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Help with insurance claims
Making a claim on any insurance policy is never ideal for the simple reason that whenever you claim, something has ‘gone wrong’ or something ‘bad’ has happened
At The Insurance Helpline, we provide full support throughout the claims process, helping customers make a claim on any of their insurance policies. Our aim is to make the process as hassle-free as possible and help secure a payout as quickly as we can.
Each different type of insurance claim will require relevant documentation and evidence to be provided to the insurer to approve the claim:
Life Insurance Claims
In the event of a death claim – the insurer will require the deceased death certificate and their medical records – the policy also must be written into TRUST so that the insurer can legally release the funds to the TRUSTEE – once the claim is approved the payout can only be made to the TRUSTEE who is officially nominated on the TRUST form
Critical Illness Claims
This is the most common type of claim and it is usually for Cancer – if your policy covers critical illness then you may be eligible for a payout – however this depends on the illness that you suffered and whether or not that illness is covered in your critical illness policy – we also advise and recommend that all of our customers upgrade their critical illness policies every 3 to 4 years to make sure that they are covered by the most comprehensive policy
In the event of a critical illness claim - the insurer will require official documentation confirming the diagnosis and severity of the condition – as well as the medical records for that customer – once the claim is approved the payout is made directly to the customer
Many customers who suffer a critical illness are not sure if they can claim or not – and we encounter many situations where a customer has suffered an illness many years ago but have never claimed – as long as the policy is still in force there is no time limit of when you can claim
Children’s critical illness cover is usually included on your policy – but many customers are unaware that this included and can be claimed on usually for a payout of £25000
Please get in touch if you have any queries about a potential claim whether it was recent or happened in the past
Income Protection Claims
If you have an income protection policy and you suffer an illness or injury which requires you to take time off work – then you need to provide official medical documentation confirming the illness / injury as well as an ‘unfit for work’ statement from your GP stating how much time you medically signed off work for
This type of claim is based on your earnings – so the insurer will need to see proof of earnings to validate the payout amount
There is always a ‘waiting period’ with income protection policies – which can be anything from 1 day / 1 month / 6 months / 12 months – and this is the length of time you need to be medically signed off work before you can claim