How to Make a Claim

Helping our clients with their claims, big or small, is the most important part of our job as an insurance adviser.

Claims can be a mystery and confusing if you have never had a claim before.

So we wanted to put a blog together to break down what the claims process is and demystify what goes on behind the scenes.

So what are the steps to make a claim?

1. Contact us as soon as possible.
   The sooner you let us know about a potential claim the better.
   The lead time for getting a pre-approval or claim accepted can vary between insurers so we find it to be best practice to begin the process early.
   

2. Complete a claim form.
   Depending on the type of claim, decides what form you need to complete.
   We will work this out for you and help you through the process.
   Sometimes insurers will need your Doctor or Specialist to complete pages in the claim form as well.
   

3. Supporting information.
   To quicken the claim process, the key is to help the claims team understand what has happened to you, who is looking after you, what they are recommending for you and why etc.
   The most helpful supporting documents are:

   • Referral letter - This can be from your GP to see a Specialist, to have an X-Ray, MRI etc.

   • Notes from your Doctor or Specialist - This could outline the diagnosis, recommendation of treatment etc.

   • Discharge notes - If you had been in hospital.

   • Estimate of costs - If recommended to have a procedure completed.

   • ACC notes - If you have an accident and have an ACC claim, the insurer can get important information from any letters they have put together.

   • If you have any procedures booked already, let us know as soon as possible to try and push the claim process.
     

4. Send everything to us and we send that onto the insurer.
   We are here to be your advocate and middle person to help relieve stress.
   We can send everything to the insurer for you, follow up with them and let you know if they need any further information.
   

5. Insurer assesses the claim.
   The claims team will read through all information that we send through.
   Sometimes they contact your doctor for further information, this is most often in lump sum and income claims.
   

6. Claim is assessed.
   Once the claims team have received everything they need, they will let us know if your claim is accepted or not. On the occasion that a claim is not accepted, we talk to the claims team to understand why this is and see if we can work together for a more favourable outcome if possible.

If you have any questions and would like to talk this through, please don’t hesitate to contact us!

Amy Callon
Financial Adviser
New Vision Financial Services

Plan your future and let us help you have peace of mind along the way.