We will ask you to send us your completed claim form with supporting documents either by post, fax or email.
You can claim from the date of incident.
A certified copy is a signed photocopy of an original document. The person signing it must see the original and the photocopy. It can be signed by a Justice of the Peace, Accountant, Solicitor, Doctor, Bank Manager or Police Officer. It means you keep the original document.
The certified copy must include a statement “I certify that this is a true copy of the original document”. The certifier must also include their full name, signature, date, registration number (if any) and qualification or occupation on each page of the photocopied documents. Failure to do so may result in a delay in the claim being processed.
A beneficiary is the person or persons who are entitled to the benefit. The Policyowner has the option to nominate between 1 and 5 beneficiaries to receive the Benefit Amount.
A Will is a legal document in which a person states how they want their assets to be distributed after their death.
An estate is the net worth of a person at any point in time. It is the sum of a person’s assets – legal rights, interests and entitlements to property of any kind – less all liabilities at that time.
An executor is responsible for the entire administration of the estate and for carrying out the deceased’s wishes as set out in the Will.
Probate is the process of proving and registering in the Supreme Court the last Will of a deceased person.
For Life Insurance: Once we receive all the documentation we asked for, your claim will be submitted to Hannover (insurer) to be assessed and if your claim is approved, payment will be made promptly. Sometimes assessment leads to a need to obtain additional information. This may require you to provide the necessary information or we may seek it directly from your medical practitioner. In either case we consider any new information promptly.
For Funeral Insurance: Generally within 1–2 days on receipt of the completed claim form and supporting documents. Sometimes this may take longer if the documentation is inconclusive. Where this is the case we will seek additional information to process the claim as promptly as possible.
In all circumstances: We will call you as soon as there is an update or within 10 business days of receiving your forms and every 10 business days thereafter to keep you informed of how your claim is progressing.
For nominated beneficiaries, the payment will be direct credited to their nominated bank account. If there is no nominated beneficiary, then the payment will be made by cheque to the ‘Estate of the Late’.
Contact our caring claims department by phone on 1300 308 578 or by email claims@guardianinsurance.com.au.