Claims guide

What to expect if you need to make a claim and how we can help, every step of the way.

Accidental Injury

Your guide to making a claim

Know what you've got

When taking out Life Insurance you have a number of options to choose from when deciding on the insurance cover that’s right for you based on your lifestyle and individual needs. It is important that you read the relevant documents relating to your policy to understand what your policy covers and what it doesn’t and if there are any conditions that must be met in order to make a claim. 

When reviewing your level of cover, you may wish to check with your super fund whether you have default cover included.

As your circumstances change – a pay rise, a new house or a new baby in the family, for example – take some time to review your cover and check that it still suits your needs and the needs of your family. 


If you need to make a claim

When things go wrong with your health, or the health of a loved one, you may find yourself doing many things for the first time. It’s sometimes tricky to know where to start and it can feel overwhelming. That’s why we’re committed to guiding and supporting you, every step of the way.

To get your claim started the first thing to do is let us or your financial adviser know that you need to make a claim.

Alternatively, if your cover is through your employer or superannuation fund, let them know and they’ll point you in the right direction.

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Your claims consultant 

If you need to make a claim with TAL, you’ll be assigned a claims consultant. They’re there to understand your situation, so they can support and guide you through your claim. They’ll let you know what needs to happen and why, when and how it happens and who’s responsible, as well as answer any questions you may have.

We want all Australians to live their best life through good health. That’s why we’ll do all we can to support you on your path to recovery.

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Meet our claims consultants

Submitting your claim

You may choose to submit your claim over the phone, by email, or by post. To assist us with your claim there will be certain information that we’ll need from you.  We only collect information that we need and your claims consultant will explain exactly what we need and why as well as help you gather the supporting documents if you need a hand.  We may seek your consent for us to access sensitive information, such as medical records. 

You can read our Privacy Policy.

Life Insurance

What we need to know, and why

We want to make your claim as simple as possible and keep paperwork to a minimum, but there’s some important information we’ll need from you to help us assess your claim as quickly as possible, including:

Personal information

We require sufficient details to assist us in identifying you and to help us ensure that your insurance benefits reach the right person.

Medical information

This may include information relating to you or your loved one’s medical condition.

Life Insurance

What we need to know, and why

Receiving Life Insurance benefits

If your claim has been accepted you will be notified as soon as possible and arrangements for payment will be made.

Life Insurance

Total & Permanent Disability (TPD) Insurance

Recovery (Trauma) Insurance

Income Protection Insurance