The critical illness claim and heart attack insurance cover is a product where the insured and the insurer strike a contract so that the insured is paid a lump sum amount if medically diagnosed of any of the critical illnesses that have been listed in the policy.
Critical illness insurance, commonly referred to as trauma insurance, is common especially in factories, production plants and areas prone to certain diseases. Common illnesses include heart attack, stroke, cancer and coronary artery by-pass surgery. Others include kidney failure, deafness, blindness, Parkinson’s disease, terminal illness, paralysis of limb, multiple sclerosis, organ transplant, Alzheimer’s disease, kidney failure and HIV/AIDS that has been contracted through an operation or by blood transfusion.
However, some diseases are excluded from the cover, especially extreme sports injuries and self-inflicted injuries.
Depending on the requirements of the insurer, an individual can apply for more than one policy to cover different illnesses and heart attack insurance claims.
Gerard Malouf & Partners is an accredited NSW Injury Specialist firm who have been handling critical illness claims for over 30 years. Having registered more than 98% success in over 16,000 cases handled, our superannuation lawyers & barristers will fight for you in court or at the Financial Ombudsman Service.
In some cases, the insurer may underpay you. Our superannuation lawyers will help you lodge the case against the insurer. If at all you are worried because perhaps you don’t have enough money you can just contact us to find out whether you qualify for the No Win No Fee Scheme!
Choose Gerard Malouf & Partners Superannuation Lawyers to handle your critical illness claim on a No Win No Fee basis by phoning 1800 004 878.