Applying for a life cover can be done in just three easy steps! First, select the cover that you want. Then, select how much you want to pay. Once done, you can now submit your application.
You or your beneficiary will need to contact Southern Cross at 0800 000 200 or email them at email@example.com. Do note that you’ll need to provide the following information for your claim: death certificate, proof of the insured’s age, policy document, and a probate or letters of administration of the policyholder.
Terminal illness claims will need medical certificates and test results for verification. When you get a claim form, you’ll be provided with a complete list of the requirements you need to present so don’t worry.
Claims are usually processed within 5 days upon receipt. Southern Cross will get in touch with you should they require more information. They’ll continue to provide updates on the progress of your claim.
You don’t need to pay for the tests like blood tests or other specific examinations if it was required by Southern Cross. However, if you’re already undergoing treatment or if you’re already due for a review prior to the request, then it’s your responsibility.
You can pay your premiums via debit or credit. Payments can be made fortnightly, monthly, 6-monthly, or even annually.
There are a number of reasons why a claim won’t be paid out. Losses due to war, invasion, terrorism, civil war, or military uprisings are not covered by Southern Cross.
They can also deny your claims if you haven’t been truthful or if you fail to provide any material information requested.
Lastly, suicide, attempted suicide, or any intentional self-injury for the first 13 months of the policy is generally not covered.
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