Insurance is something you get and hope you never need. But if 'claim time' comes around, it can make all the difference.
So, we asked our expert insurance advisor Ben Laurenson to share his top claim-time tips, and how LifeDirect advisers can help you make the most of your cover.
Always feel free to contact us
"Claim time can be a delicate time, because often people are at their most vulnerable. They might just have been diagnosed with a serious illness – or their loved one has just passed away. That's why getting a bit of help can make a huge difference," says Ben.
"If you ever need to file a claim, we always welcome you to contact us. Our LifeDirect advisers are on the phone to make claim time as simple as possible for you. They can help you complete the form, facilitate the exchange of documentation, and as much as possible, think clearly during a stressful situation."
We can advocate for you
"Of course, you can also interact with the provider directly, if you like. But if you're looking for extra assistance, then contacting us first is a good idea," says Ben.
"LifeDirect's primary goal is to advocate for clients: we're in your corner, we have your back. We're committed to ensuring a fair outcome and we will liaise with the insurer on your behalf whenever it's needed. With LifeDirect, you have an ally on your side to assist you through the process."
A successful claim starts with your application
"Claim time doesn't happen in a vacuum: it's the culmination of a journey. And often, the outcome depends on the steps in the months and years that led up to it," says Ben.
"It starts with the day you apply for insurance. So if you're planning on getting new cover, keep this in mind: the more you disclose in your application, the smoother claim time can be. It will help ensure that the important details are there for the insurer to assess whether they will offer you cover, and if so, on what terms.
"Not sure what you may need to disclose? When in doubt, disclose, disclose, disclose. No matter how small or insignificant a medical issue might seem, full disclosure is a legal obligation and failing to disclose a past medical condition can put you at risk of having an invalid policy. And once again, don't forget we're here: we can talk through the form questions and help you file a comprehensive application."
Reviewing your cover over time is also key
"Over time, it's crucial to check in on your cover and make sure it's still fit-for-purpose. Many things can change in your life. You may change jobs or have a salary increase. You may start a family or separate. Life changes fast," says Ben
"So, how often would you need to review your cover? We usually recommend once a year. A 30-minute chat with our adviser can help you identify new protection gaps or opportunities to maximise your cover. The importance of this step for a successful claim cannot be overstated."
Like to talk?
"Our quote compare tool is great, but it's just one part of what we can do help Kiwis protect their future. We have a team of friendly insurance advisers on hand for any questions and support you might need," says Ben.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.