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How to Make a Claim

At Wealth Smart, we aim to make the claims process as easy as possible. This guide will help you understand the process, but make sure you get in touch with a Wealth Smart advisor if you need to make a claim – we can help you through the process from start to finish.

1. Contact Wealth Smart or your insurance provider

Your first port of call to make a claim is Wealth Smart or your policy provider. We can help you fill out all the relevant paper work and take you through the process of gathering evidence and information. The direct beneficiary of the policy doesn’t need to make the claim, but they will need to be available to validate the claim and receive the payment.

You can call us for a chat or to start your process on 1800 765 100.

2. Collect the death certificate or relevant documentation

If you’re making a death cover claim, you need to collect a death certificate from the coroner’s office or funeral director. You will need to make copies of the death certificate. Don’t submit the original and keep it in a safe place: it’s an important document.

If you’re making an Income Protection, TPD or Trauma insurance claim, talk to your Wealth Smart advisor about what documents you should obtain. It’s likely you will need medical certificates and reports from your doctor along with documentation from your employer.

3. Submit your claim forms and talk to your insurance company about the settlement

Once you’ve got everything together it’s time to submit your claim. Our advisors at Wealth Smart can help you with this. They will make sure that you have collected the required information and have everything you need to submit your claim. After it’s submitted, they will then liaise with the insurer through the claim assessment to try and achieve the best possible outcome.

After the claim assessment is done your claim will either be accepted or rejected and the relevant payments made. The type of claim and how quickly the claim is submitted with the required information affects how soon the claim will be paid. Some policies may have waiting periods. Once the policy conditions are met and an assessment made, receiving the money shouldn’t take long at all.

You can contact Wealth Smart or your insurance provider at any time to check the progress of your claim and address any concerns you may have.

Page last updated: January 16, 2015