Claims

We all need Insurance to cover those risks which we hope will never happen. Unfortunately they sometimes do, and it is very important that at this time the cover you have purchased works for you. NZLife. has staff who have had years of experience in ensuring your claims are processed quickly and met fairly. We are proud of our record and are here to help you. (See Case Studies). You may contact us to help. See Contact Us.

Our insurance provider, Sovereign has an excellent record in claims processing and satisfaction. You may contact the Sovereign claims team on 0800 500 195 for assistance.

If you think you may have a claim but are uncertain, check the policy wording which provides information on the cover provided, and/or contact Sovereign on 0800 500 195. If a claim is justified, Sovereign will send you an appropriate claim form.

Here is information required for a claim for each of the products. The more information that can be provided, the quicker the processing. Sovereign is under no obligation to pay a benefit until they have received all the information requested.

Making a life cover claim

To make a claim for a life cover benefit, please call the Sovereign claims team on 0800 500 195 for assistance. Sovereign will require information from you including:

• a completed claim form
• a full birth certificate
• a full death certificate
• a coroner's report, if applicable
• a grant of administration - probate or certificate of administration or letters of administration if the deceased was the sole owner of the policy

Making a critical illness claim

To make a claim for a critical illness benefit, please call the Sovereign claims team on 0800 500 195 for assistance.

Sovereign will require information from you including:

• a completed claim form
• medical evidence and reports, showing proof of the condition giving rise to the claim

Sovereign may also require the life assured to have an examination by a Registered Medical Practitioner appointed by Sovereign before accepting the claim.

Making a total permanent disablement claim

To make a claim for a total permanent disablement benefit, please call the Sovereign claims team on 0800 500 195 for assistance.

Sovereign will request information from you including:

• a completed claim form
• the life assured to be examined and a claim form completed by a Registered Medical Practitioner (at your expense)

Making an income protection claim

To make a claim for an income protection benefit, please call the Sovereign claims team on 0800 500 195 for assistance.

The life assured must be examined and a claim form completed by a Registered Medical Practitioner (at your expense).

Sovereign will request further information to help assess the claim, including evidence of:

• the life assured's continuing disability
• any earnings received by the life assured during the claim period
• any work completed by the life assured (e.g. remunerated or non remunerated)
• income received by the life assured from other sources, including the Accident Compensation Corporation

While you are receiving an income protection benefit, this information will be required on an ongoing basis.

Each month, Sovereign will send you a monthly claim report with confirmation of the claim payment. The life assured's Registered Medical Practitioner must complete the monthly claim report (at your expense). For Sovereign to continue paying the benefits, the life assured must comply with medical treatment recommended by a Registered Medical Practitioner .

Sovereign may also request the life assured to undergo further medical examinations while you are receiving an income protection benefit. Any requests made by Sovereign for further medical information will be at its expense.