Income replacement claims
Income protection provides an Income benefit after the expiry of the waiting period if, solely due to sickness or injury:
- Until the expiry of the waiting period the insured's pre-disability income from his/her usual occupation has reduced by 20 per cent or more, or
- The insured is unable to perform one or more income producing duties of his/her usual occupation, or
- The insured is unable to perform income producing duties for more than 10 hours per week, and
- The insured is under the regular care of, and following the advice of, a medical practitioner.
Step 1: Ensure the life insured has the following information available
|Indemnity policy (and life insured is totally disabled)||Agreed value policy (and life insured is totally disabled)|
|Indemnity policy (and client is partially disabled)||Agreed value policy (and client is partially disabled)|
Step 2: Complete claim forms
Print out the claim forms and have the relevant party complete them.
Type: pdf (247Kb)
This form is to be completed by the life insured, and by the patient's treating doctor or specialist. To be completed only on the request of the Zurich claims area. The patient is responsible for the cost of completing this form.
Type: pdf (76Kb)
To be completed by the life insured and included with any Business Expenses, Income Replacement, Total & Permanent Disability or Terminal Illness life insurance claims.
Type: pdf (150Kb)
This is for the release of personal Medicare history information to a third party. To be completed by the life insured and included with any Business Expenses, Income Replacement, Total & Permanent Disability or Terminal Illness life insurance claims.
Step 3: Submit claim forms
Send completed claim forms to:
Zurich Financial Services Australia
Locked Bag 994
North Sydney, NSW 2059
Fax: +61 2 9995 3732
To avoid delay, please note all forms must be signed before they are returned to Zurich.
Zurich Claims Consultants are available from from 8:30 am – 5:00 pm AEST Monday to Friday.
They will be happy to answer any questions you have about your claim and any entitlements under the policy. Call the Zurich claims consultants on 131 551.