What counts as a critical illness?

Published 10 Nov 2015

For many Australians, having critical illness insurance is a smart option that can ensure you have the funds to support you and your family in the event of sudden health incident.

The critical illness insurance and heart attack insurance industry continues to go from strength to strength, with more people becoming aware of the need to protect themselves as they age. However, the insurer in some examples may underpay you or decline your request for funding after a critical illness strikes - highlighting the important work of services such as Superannuation Dispute.

What is considered a critical illness?

If you are thinking about making a claim against your critical illness insurance, it is then vital to understand what is and isn't covered under this type of policy. This can include, but is not limited to:

  • Heart attack
  • Stroke
  • Cancer
  • Coronary artery by-pass surgery
  • Kidney failure
  • Deafness
  • Blindness
  • Parkinson's disease
  • Terminal illness
  • Paralysis of limb
  • Multiple sclerosis
  • Organ transplant
  • Alzheimer's disease
  • Kidney failure
  • HIV/AIDS that has been contracted through an operation or by blood transfusion

Your insurance provider will be able to give more insight into what critical illnesses are covered under your policy. However, two particular areas are excluded from a claim - extreme sports injuries and self-inflicted injuries.

Again, these are very wide ranging categories, so it is important to talk to an insurance provider for more information on what is and isn't covered under critical illness policies.

What happens if you are denied or underpaid?

In the most extremes of life experiences, it can be extremely disheartening and distressing to learn that your insurance claim has been denied or underpaid. This could be the difference between having access to medical facilities, supporting your family or maintaining your lifestyle. This is where the team at Superannuation Disputes can be of assistance.

Over the past three decades, the team of lawyers have fought over 16,000 insurance claims and been successful in more than 98 per cent of cases. However, we aren't in it for the statistics, we pride ourselves in fighting for your right to have access to critical illness payments.

As an accredited NSW Injury and heart attack insurance claims, we understand the position of the insurance companies and have the ability to leverage your case to the best position for success. Of course, we can also help if you are in financial difficulty, as certain people are eligible for our No Win No Fee scheme.

For more information about critical illness claims, contact the team at Gerard Malouf Partners today.

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