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A Cancer Insurance plan can help you and your family focus on getting better.

How to Claim

Definitions on Insured Conditions covered by the Cancer Insurance Plan

Once accepted for the Cancer Insurance Plan you will be covered upon the satisfactory diagnosis of any cancers which have developed to a life threatening stage under the definitions below.

	Cancer means
Explanation	The presence of one or more malignant tumours.
Evidence Requiried	This requires the malignant tumour to be characterised by the uncontrolled growth and spread of malignant cells and the invasion and destruction of normal tissue. *Carcinoma in situ of the breast is covered if it results directly in the removal of the entire breast. The procedure must be performed specifically to arrest the spread of malignancy, and be considered the appropriate and necessary treatment.
Conditions not covered	The following tumours are excluded: Tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia CIN-1, CIN-2 and CIN-3) or which are histologically described as premalignant*; All skin cancers, unless there is evidence of metastases; Melanoma of the skin at Stage 1A (tumour thickness of less than or equal to 1.00mm, Clark level II or III, without ulceration); Prostatic cancers which are histologically described as TNM Classification T1 or are of another equivalent or lesser classification, unless resulting in the surgical removal of the prostate; Papillary Micro-Carcinoma of the Thyroid or Bladder; and Chronic Lymphocytic Leukaemia less than Rai Stage 1.

How to Make a Claim on your Policy

At InsuranceLine we understand that at a time of being diagnosed with a life threatening cancer, you don’t want to be further burdened by the additional stress of money worries.

Our claims process has been set up so that we can get your claims payment to you as soon as possible, with as little stress as possible at this difficult time.

To make a claim just follow these steps:

1. Give us a call on 13 77 87 or email us to let us know that you’ll be making a claim. We can then help you by stopping the collection of premiums for the policy until the claim has been processed.

2. Collate the following pieces of paperwork:

A completed Claim Form.
A certified copy of evidence of death (for example: Death Certificate, Medical Attendant's Certificate)
A certified copy of evidence of deceased’s age (for example: Birth Certificate, Passport)
A certified copy of proof of your identity and your relationship to the deceased

A certified copy means that the original document has been sighted by a Justice of the Peace (JP) and the JP has signed and stamped the photocopied documents to verify this.

3. Once you have these items, if possible, fax a copy of them to us so we can get the claims process underway. Alternatively, you can scan the documents and email them to us. Then, as soon as possible put the originals in the mail to us: Claims, Reply Paid 62, Carlton South VIC 3053. We will need to have the originals before a payment can be made to you.

4. Once your claim has been processed, if there are any other people insured on the policy, we’ll make sure the necessary amendments are made, and send a new set of policy documents.

Download a Claim Form

Where you can get support – Useful links

Adjusting after someone is diagnosed with a life threatening cancer is never easy, but there is a lot of help available.

A CentreLink Financial Information Service Officer may also be able to help you. CentreLink customers may be eligible for financial assistance. For more information, contact CentreLink on 13 28 50, or at www.centrelink.gov.au

If you have private medical insurance, be sure to contact them as you may be eligible for financial assistance.

Below is the Cancer Council website which you may find useful:

The Cancer Council of Australia www.cancer.org.au

It’s easy as - one phone call can help secure your future in the event you’re diagnosed with cancer. You can apply over the phone in minutes; there are no complicated forms and generally no medicals. Just call 13 77 87 or apply here.

(That's less than a cuppa!)