What is a Product Disclosure Statement (PDS) and why it matters
A PDS is one of the most important documents you'll receive when taking out insurance. Here's how to read one and what to look for.
Whether you are claiming on life, income protection or health cover, the process follows a similar shape. Being organised makes a real difference.
1. Notify your insurer early
Contact your insurer as soon as possible after the event. Early notification helps them guide you and prevents unnecessary delays.
2. Gather your documents
You will usually need the policy details, identification, and supporting evidence such as medical reports or receipts. Download the correct claim form for your insurer and policy type.
3. Complete the claim form carefully
Fill in every section and answer questions accurately. Missing information is one of the most common causes of delay.
4. Submit and follow up
Send your claim through the insurer's preferred channel and keep copies of everything. Ask for a claim reference and a realistic timeframe.
If your claim is declined, you have the right to ask for the reasons in writing and to lodge a complaint or seek external review.