Total permanent disability claims

How to file a claim

Important notes before you claim

  • If your total permanent disability has caused a loss of limb, you can make a claim immediately.
  • If your total permanent disability has been caused by a disease or by accident, please contact your agent or contact us for advice.
  • Please check our list of documents needed.
  • Please note we need to see all hard-copy documents. You should also let us know if you’ve received any medical treatment since the date that you became totally and permanently disabled.


Need help?

You are welcome to email us to check if your documents and forms are in order. Please email

Certified true copy

Certified true copy means it's a signed copy of an original document. This then needs a new signature from you, the claimant (even if it's already been signed by you or somebody else).


  • Any medical examination reports such as lab investigations, CT results and reports.
    • Please note these must be signed by somebody with the relevant authority to sign-off on your original documents. For example, it might be the lab technician or the hospital/clinic manager or the person who performed any treatment or tests.
  • Your medical certificate.
    • This can be a handwritten or a printed statement but it must from your doctor with their signature and/or clinic stamp, stating the results of any medical diagnosis or examination.
  • This form must be completed by your doctor.
By mail
By mail

Your questions answered


When will you make a decision on my claim?


How and when will you pay me?


After I've made a claim, how long should I keep my original documents?

Looking to make a different claim?

We have 'how to claim' guides for all types of insurance plans. Simply select from one of the options below.

Frequently asked questions