Make a claim

You will need to send us:

• A completed claim form - signed and dated.
• A certified copy of the death certificate and evidence of who is entitled to receive the payout.
  • E.g. A will and grant of probate or letters of administration.
  • If the claim is less than €100,000 and a will has been left, we can issue a Waiver of Probate form. For claims over €100,000 we will require a certified copy of the Grant of Probate.
• Proof of age of the person covered by the policy.
  • E.g. A certified copy of photo identification like your passport, driver’s license or birth certificate.
• Proof of address of the person covered by the policy.
  • E.g. A utility bill that’s no older than 6 months, a car or home insurance policy or government-issued document which shows your address.
• Proof of any change of name of the person covered by the policy.
  • E.g. A certified copy of your marriage certificate if you changed your name when you got married or if you changed your name by deed poll.
• In some circumstances, some medical evidence that we reasonably require to assess the claim.
• If your policy is assigned, the original Deed of Assignment from your bank or building society.

You will need to send us:

• Proof of age of the person covered by the policy.
  • E.g. A certified copy of photo identification like your passport, driver’s license or birth certificate.
• Proof of address of the person covered by the policy.
  • E.g. A utility bill that’s no older than 6 months, a car or home insurance policy or government-issued document which shows your address.
• Proof of any change of name of the person covered by the policy.
  • E.g. A certified copy of your marriage certificate if you changed your name when you got married or if you changed your name by deed poll.
• Confirmation of the condition being diagnosed.
  • E.g. A letter from your consultant.
• If your policy is assigned, the original Deed of Assignment from your bank or building society.

For Specified Serious Illness cover claims, it is very important that you continue to pay your policy premiums until a decision is made on your claim.

You will need to send us:

• A completed claim form - signed and dated.
• Proof of age of the person covered by the policy.
  • E.g. A certified copy of photo identification like your passport, driver’s license or birth certificate.
• Proof of address of the person covered by the policy.
  • E.g. A utility bill that’s no older than 6 months, a car or home insurance policy or government-issued document which shows your address.
• Proof of any change of name of the person covered by the policy.
  • E.g. A certified copy of your marriage certificate if you changed your name when you got married or if you changed your name by deed poll.
• Confirmation of the treatment you are being referred for or the condition being diagnosed.
  • E.g. A letter from your consultant.
• For death claims, a certified copy of the death certificate and evidence of who is entitled to receive the payout.
  • E.g. A will and grant of probate or letters of administration.
  • If the claim is less than €100,000 and a will has been left, we can issue a Waiver of Probate form. For claims over €100,000 we will require a certified copy of the Grant of Probate.

The first step in making a claim is to let us know immediately about your change in situation, either by contacting us directly or through your Financial Broker.

We will then issue a claim form, which you must complete and return to us before we can consider a claim.

On the claim form, it will ask you questions about your illness or injury and your occupation and income. It will also ask about any other types of income or entitlements you may have, including any other insurance policies.

In addition to the claim form, we will also ask for information and documentation that we reasonably require to assess the claim. Full details of the information we may require are contained in the policy conditions.

We will pay the cost of all reports or evidence requested by us except the cost of obtaining at any time medical certificates from the doctor who has
treated or examined you in respect of the disability.

In general, when we receive your claim, your ability to carry out your normal job following your illness or injury is assessed. Claims are reviewed to ensure they meet the definition of disability – in basic terms, the inability to work because of illness or injury – as shown in the policy conditions.

The first step in making a claim is to let us know immediately about any change in situation for your employees, either by contacting us directly or through your Financial Broker.

We will then issue a claim form, which you must complete and return to us before we can consider a claim.

On the claim form, it will ask you questions about your employee’s illness or injury and their occupation and income. It will also ask about any other types of income or entitlements they may have, including any other insurance policies.

In addition to the claim form, we will also ask for information and documentation that we reasonably require to assess the claim. Full details of the information we may require are contained in the policy conditions.

We will pay the cost of all reports or evidence requested by us except the cost of obtaining at any time medical certificates from the doctor who has
treated or examined your employee in respect of the disability.

In general, when we receive your claim, your employee’s ability to carry out their normal job following an illness or injury will be assessed. Claims are reviewed to ensure they meet the definition of disability – in basic terms, the inability to work because of illness or injury – as shown in the policy conditions.

If you have been diagnosed with a terminal illness and want to make a claim, please contact us directly. We’ll explain what you need to give us so that we can pay your claim as quickly as possible, in line with your policy conditions.