Fill in a Valid Combined Insurance Claim Template

The Combined Insurance Claim Form is a crucial document used to initiate a claim with Combined Insurance, a division of Chubb Insurance New Zealand Limited. This form requires detailed information regarding the circumstances of your claim, whether due to an accident or illness, and helps ensure that your request is processed efficiently. To get started on your claim, please fill out the form by clicking the button below.

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The Combined Insurance Claim Form is a crucial document designed to streamline the process of filing claims with Combined Insurance, a division of Chubb Insurance New Zealand Limited. This form encompasses several sections that guide claimants through the necessary steps to ensure their claims are processed efficiently. It begins with important instructions that emphasize the need for timely communication and accurate information. Claimants must complete Section 1, detailing personal information and specifics related to the claim, while Section 2 is reserved for the medical practitioner’s input, underscoring the importance of professional verification. The form also outlines the claims process, including timelines for acknowledgment and determination, which can significantly impact the speed of claim resolution. Additionally, it highlights the necessity of attaching supporting documents, such as medical reports or invoices, to substantiate the claim. Understanding the nuances of this form can make a substantial difference in the claims experience, ultimately aiding in a faster resolution. By following the outlined instructions carefully, claimants can avoid unnecessary delays and ensure that their claims are handled with the attention they deserve.

Combined Insurance Claim Example

Combined Insurance

Claim Form A division of Chubb Insurance New Zealand Limited

Important Instructions

Important Instructions on how to complete the attached Claim Form and how we assess claims. Please read these important instructions on how to complete the attached Claim Form. This may help us to assess your claim faster.

In this ‘Important Instructions’ section we refer to the Insured or Covered Person as “you” or “your”; and Combined Insurance a division of Chubb Insurance New Zealand Limited (Chubb) as “Combined Insurance”, “we”, “our” or “us”, in the following instructions.

We refer to Chubb Insurance New Zealand Limited (Company No. 104656 Financial Services Provider No 35924) as “Chubb”.

1.It is important that you contact us as soon as possible once you are aware of any circumstance or event giving rise to a claim and provide honest, complete, up-to-date and relevant information when completing this claim form.

2.You should complete Section 1 in full to the extent relevant and attach any relevant invoices and other documents to support your claim. If you do not fully complete the Claim Form this may result in delays processing your claim while we seek missing information. Please see the Important Notes for Particular Benefits.

3.Your Medical Practitioner, and only your Medical Practitioner should complete Section 2 in full to the extent relevant. Your Medical Practitioner must also sign and date the Claim Form in the appropriate place.

4.We normally pay benefits up to the date that your Medical Practitioner has signed the Claim Form. If your disability is ongoing after that date, we will send you a Continuing Claim Form or Progress Form which your Medical Practitioner should sign and complete on your next visit.

Once we have received this completed form, we can make a further payment up to the date your Medical Practitioner has signed the form. The reason we do not pay benefits in advance of when your Medical Practitioner signs a Claim Form, is that the future disability has not yet occurred, and insurance only pays for losses that have already occurred. We follow this procedure even if your Medical Practitioner states an ‘approximate date’ for your disability to end. Of course, all payments depend on your claim falling within the terms and conditions of your Policy.

5.We may ask you or your Medical Practitioner for more information concerning your claim, or we may arrange a further independent assessment by a Specialist of our choosing.

6.Please send this Claim Form together with all supporting documents within 30 days of the commencement of your disability via post to Combined Insurance, Private Bag COMBINED, Remuera, Auckland 1541, via fax to 09-520-9009, or email the form to [email protected]. If you do not report your claim within 30 days and we consider the delay has prejudiced our ability to assess your claim, this may affect and/ or delay payment of your claim.

7.Our Claims Process

On receipt of this completed claim form we will take the following steps:

•Acknowledge receipt of your claim within 5 business days.

•Identify your insurance policy, register your matter against it and assign a claim number for reference. Determine whether or not to accept your claim within 10 business days of the date we have all the information we need to determine your claim.

•If we are unable to determine whether or not to accept your claim within 10 business days, such as when we request that you provide further information from your doctor or employer, we will advise you of the additional information we require. You must cooperate with us by providing the information we seek to settle your claim.

•If we require information from an independent specialist, or a doctor or other third party which we request directly, then we will advise you of the information required and will provide you with an estimate of how long we expect it will take to determine your claim, once we have this information.

•We will update you once every 20 business days, or another such interval as we may agree with you, until your claim is resolved.

8.With the exception of some circumstances, you have a right to access the information we have relied on in evaluating your claim and you can ask us to correct any mistakes or inaccuracies in that information.

9.If we decline your claim in whole or in part, we will clearly explain the reason or reasons. You have a right to access our Complaints and Disputes Resolution process which is summarised on the back page of this claim form.

10.Should you require any assistance in completing this Claim Form, or have any queries about claiming, or how we assess a claim, please contact us on 0800 COMBINED (266 246) and we will be happy to assist you.

Important Notes for Particular Benefits

11.If your Policy covers you for benefits while you

are hospitalised, please attach a copy of your hospital statement showing the dates of admission and discharge. If you were in intensive care during your period of hospitalisation, the Statement should indicate this.

12.If you are claiming for a Fracture Benefit, please attach a copy of the medical report verifying a fracture.

13.If you are claiming for Covered Cancer please attach a copy of a Pathology, Histology, or Histopathology Report, that medically verifies the diagnosis and a copy of your hospital statement showing any out-patient treatments if you are claiming an Out-patient Treatment benefit.

14.If you are claiming a benefit for Skin Cancer, please attach a medical statement verifying this.

15.If you are claiming a Transportation benefit please attach a receipt for your travel expenses.

16.If you are claiming a Family Lodging benefit please attach a copy of your hotel/motel bill.

17.If you are claiming a Facial Disfigurement benefit, please send a photograph of the relevant scar with your claim form. Please note that we may require you to submit a further photograph of your scar if your injury had not fully healed at the time you first lodged your claim.

18.If you are claiming an Emergency Ambulance benefit, please attach a copy of your ambulance statement or account.

Page 1 of 7

Fair Insurance Code

Chubb is a member of the Insurance Council of New Zealand (ICNZ) and a signatory to ICNZ’s Fair Insurance Code (the Code). The Code and information about the Code is available at http://www.icnz.org.nz/ and on request.

Privacy Statement

Combined Insurance is a division of Chubb Insurance New Zealand Limited. Chubb collects, uses and retains your personal information in accordance with Chubb’s Privacy Policy, which also applies to Combined Insurance.

This statement is a summary of Our privacy policy and provides an overview of how We collect, disclose and handle Your personal information. Our privacy policy may change from time to time and where this occurs, the updated privacy policy will be posted on Our website.

Chubb is committed to protecting Your privacy. Chubb collects, uses and retains Your personal information in accordance with the requirements of New Zealand’s Privacy Act, as amended or replaced from time to time.

Personal Information Handling Practices

When do We collect Your personal information?

Chubb collects Your personal information (which may include health information) from You when You interact with Us, including when You are applying for, changing or renewing an insurance policy with Us or when We are processing a claim, complaint or dispute. Chubb may also (and You authorise Chubb to) collect Your personal information from other parties such as brokers or service providers, as detailed in Our privacy policy.

Purpose of Collection

We collect and hold the information to offer products and services to You, including to assess applications for insurance, to provide and administer insurance products and services, and to handle any claim, complaint or dispute that may be made under a policy.

If You do not provide Us with this information, We may not be able to provide You or Your organisation with insurance or to respond to any claim, complaint or dispute, or offer other products and services to You or Your organisation.

Sometimes, We may also use Your personal information for Our marketing campaigns and research, to improve Our services or in relation to new products, services or information that may be of interest to You.

Recipients of the Information and Disclosure

We may disclose the information We collect to third parties, including:

•contractors and contracted service providers engaged by Us to deliver Our services or carry out certain business activities on Our behalf (such as actuaries, loss adjusters, claims investigators, claims handlers, professional advisers including lawyers, doctors and other medical service providers, credit reference bureaus and call centres);

•intermediaries and service providers engaged by You (such as current or previous brokers, travel agencies and airlines);

•other companies in the Chubb group;

•the policyholder (where the insured person is not the policyholder);

•insurance and reinsurance intermediaries, other insurers, Our reinsurers, marketing agencies; and

•government agencies or organisations (where We are required to by law or otherwise).

These third parties may be located outside New Zealand. In such circumstances We also take steps to ensure Your personal information remains adequately protected.

From time to time, We may use Your personal information to send You offers or information regarding Our products that may be of interest to You. If You do not wish to receive such information, please contact Our Privacy Officer using the contact details provided below.

Rights of Access to, and Correction of, Information

If You would like to access a copy of Your personal information, or to correct or update Your personal information, want to withdraw Your consent to receiving offers of products or services from Us or persons We have an association with, please contact the Privacy Officer by posting correspondence to Chubb Insurance New Zealand Limited, PO Box 734, Auckland; telephoning:

+64 (9) 3771459; or emailing [email protected].

How to Make a Complaint

If You have a complaint or would like more information about how We manage Your Personal Information, please review Our Privacy Policy for more details, or contact Our Privacy Officer at the details above.

You also have a right to address Your complaint directly to the Privacy Commissioner by telephoning 0800 803 909, emailing [email protected] or using the online form available on the Privacy Commissioner’s website at www.privacy.org.nz.

Complaints and Dispute Resolution

We take the concerns of its customers very seriously and has detailed complaint handling and dispute resolution procedures that you may access, at no cost to you. To assist us with your enquiries, please provide us with your claim or policy number (if applicable) and as much information as you can about the reason for your complaint or dispute.

Our complaints and dispute procedures are as follows:

Stage 1 – Complaint Handling Procedure

If you are dissatisfied with any of our products or services and you wish to lodge a complaint, please contact us via:

Email: [email protected]

Phone: COMBINED (266 246) (call free within NZ)

+64 9 520 9000 (if calling from overseas) Fax: +64 9 520 9009

Post: The Complaints Officer Combined Insurance Private Bag COMBINED Remuera Auckland 1541

Stage 2 –Dispute Resolution Procedure

If you are dissatisfied with our response to your complaint, you can advise that you wish to take your complaint to Stage 2 and referred to our dispute resolution team. Our internal dispute resolution team can be contacted via:

Email: [email protected]

Phone: +64 9 377 1459

Fax +64 9 303 1909

Post: Internal Dispute Resolution Service

Chubb Insurance New Zealand Limited

PO Box 734

Shortland Street

Auckland 1140

Stage 3 – External Dispute Resolution

We are a member of an independent external dispute resolution scheme operated by Financial Services Complaints Limited (FSCL) and approved by the Ministry of Commerce & Consumer Affairs. Subject to FSCL’s Terms of Reference, if you are dissatisfied

with our dispute determination or we are unable to resolve your complaint or dispute to your satisfaction within two months you may contact FSCL via:

Post: PO Box 5967, Lambton Quay, Wellington 6145

Phone: 0800 347 257 (call free for consumers) or +64 4 472 FSCL (472 3725)

Fax: +64 4 472 3728

Email: [email protected]

Website: www.fscl.org.nz

Please note if you would like to refer your complaint or dispute to FSCL you must do so within 2 months of the date of our dispute determination.

Further details regarding our complaint handling and dispute resolution procedures are available from our website and on request.

Page 2 of 7

Claimant to complete this page

SECTION 1

(Please print using BLOCK LETTERS)

IMPORTANT. Write your Account Number here

Office Use Only

Claimant’s Details

Mrs

Miss

Other:

Claimant's Full Name:

Date of Birth:

Height:

Weight:

Residential Address:

Postcode:

Postal Address (If different from above):

Postcode:

Claimant’s Telephone Number: Daytime: (

)

Mobile: (

)

Claimant’s Email Address :

Occupation:

Employer’s Name:

Employer’s Address:

Employer’s Contact Person:

Employer’s Contact Telephone Number: (

)

Are you claiming under a Family Policy?

Yes

If Yes, please provide Family Policy Account Number:

It is our preference to make claims payments by Electronic Funds Transfer (EFT).

ADo you want us to make payments on this claim by EFT into your account?

Yes No

BIf Yes to ‘A’, is the account that you pay your premium from the Account you want us to pay your claim payments to?

Yes No

CIf No to ‘A’ and/or ‘B’, please provide name of preferred Financial Institution:

Account Name:

Bank

Branch Number

Account Number

Suffix

Complete for Accident only

1.	When did the accident occur?	Date:	/	/	at	am / pm

2.	Where did the accident occur?	Street Number:			Street Name:

	Suburb:			City/Town:

3.Nature of Injuries: (Please be specific)

4.How did the accident occur? (Please be specific)

5.If it was a motor vehicle accident, please provide a description of the vehicle(s) involved.

(Note: if more than 2 vehicles involved attached details of other vehicles separately)

	Your vehicle	Registration No.:				Make:				Model:

	The other person’s vehicle	Registration No.:				Make:				Model:

6.	Was the accident reported to the Police?			Yes	No	Date:	/	/		Police Station:

	Was anyone charged by the Police?		Yes		No	If Yes, who was charged?

	What was the charge?						(Note: You must provide us with a copy of the Police Report if we request you to)

7.	During the 24 hours before the accident, did you drink any alcohol or take any drugs?								Yes	No
	(If Yes, please provide details - state types and quantities)

	Did you have a Blood Alcohol Test or Drug Test by the Police?					Yes	No		If Yes, what was the result?

8.	Were you transported to Hospital by Ambulance after the accident?						Yes	No
	Name of Hospital you attended:					(Note: You must provide us with a copy of the Ambulance Report if we request you to)

9.	Eye witness details. Please provide details of any eye witness.
	Witness 1 - Full Name:					Address:

	Email Address:					Telephone Number: (			)	Daytime

	Witness 2 - Full Name:					Address:

	Email Address:					Telephone Number: (			)	Daytime

	Witness 3 - Full Name:					Address:

	Email Address:					Telephone Number: (			)	Daytime

Page 3 of 7

Complete for Sickness only

10.Nature of sickness: (Please be specific)

11. When were the symptoms first noticed?

Date:

12.Who was the first Medical Practitioner you consulted for this condition? Medical Practitioner’s Name:

Medical Practitioner’s Address:

Medical Practitioner’s Telephone Number: (			)

When did you first see the Medical Practitioner for this condition?						Date:	/	/

13. Have you consulted any other Medical Practitioner for this condition?						Yes	No	(If Yes, please provide details)
Medical Practitioner’s Name:

Medical Practitioner’s Address:

Medical Practitioner’s Telephone Number: (			)

Dates of Consultations:

14. Did you go to Hospital in respect of this sickness?				Yes	No	(If Yes, please provide details)
Hospital Name:

Address:

Date of Admission:	/	/	Date of Discharge:			/	/	Number of Days in Hospital:

15. Have you previously had the same sickness?			Yes	No	(If Yes, please provide details)
Date(s):

Treatment Received:

Name of treating Medical Practitioner/Specialist:

Address of Medical Practitioner/Specialist who treated you:

Complete for Accident and Sickness

16.	Which Medical Practitioner is currently treating you for your injury/illness? (If the same as ‘Q12’ write ‘As above’)
	Medical Practitioner’s Name:

	Medical Practitioner’s Address:

	Medical Practitioner’s Telephone Number: (			)

	When did you first see the Medical Practitioner for this condition?				Date:	/	/

	Other Dates of Treatment?	Yes	No	(If Yes, please provide details)

17.	Who is your usual family Medical Practitioner? (If the same as ‘Q16’ write ‘As above’)
	Medical Practitioner’s Name:

	Medical Practitioner’s Address:

	Medical Practitioner’s Telephone Number: (			)

18.	What other significant medical	or surgical treatments have you received in the past 5 years? (Please provide details)
	Date(s):

Nature of the condition(s) treated:

Name of treating Medical Practitioner/Specialist:

Address of Medical Practitioner/Specialist who treated you:

19.

Are you affected by any other long term or chronic disability?

Yes

(If Yes, please provide details)

20.Were you hospitalised?

Yes

(If Yes, please state date of hospitalisation) From:

To:

(Please also attach a copy of any hospital statements if you are hospitalised and claiming a confinement benefit)

21. Are you claiming for Transportation and Family Lodging Benefits?

Yes

No (Please attach receipts supporting your claim if you are claiming for these)

22. If you are claiming a benefit as the result of the diagnosis of any covered Skin Cancer, please attach proof of diagnosis.

Yes

23.

‘Total Disability’. Between what dates were you unable to perform any duties? (Refer to the ‘Definitions’ at the top of ‘Section 2’)

From:

To:

24.

‘Partial Disability’. Between what dates were you able to perform only partial duties? (Refer to the ‘Definitions’ at the top of ‘Section 2’)

From:

To:

25. Date you returned to your normal duties.

Date:

Page 4 of 7

Authority and Declaration

Chubb Insurance New Zealand Limited Claim Privacy Consent, Medical Authority and Declaration

Claim Privacy Consent

I/ we:

i.understand that Chubb Insurance New Zealand Limited CU1-3, Shed 24, Princes Wharf, Auckland (Chubb) requires personal information (which may include Health information) so that Chubb can evaluate this claim and administer the insurance policy and that failure to consent to the collection, use and disclosure of personal information may result in the claim being refused in part or in full;

ii.authorise Chubb to obtain from other parties personal information (which may include Health information) about me/us that Chubb views as relevant to the claim;

iii.agree to Chubb disclosing to other parties, including but not limited to, service providers engaged by Chubb, the insurance broker, the policy holder (if this differs from the claimant) or reinsurers personal information (including Health information) collected in relation to this claim or the insurance policy;

iv.I authorise any person or entity, including but not limited to Medical Practitioners and the Parties referred to in the Privacy Consent, to provide to Chubb such personal information (including health information) as Chubb in its absolute discretion considers relevant for its assessment of my claim or my entitlement to benefit;

v.understand that I/we have rights of access to, and correction of, personal information held by Chubb; and

vi.understand that further information about how Chubb collects, uses, discloses and processes my/our information is set out in Chubb’s Privacy Policy, available at www.chubb.com/nz-en/footer/privacy.html.

If you would like to access a copy of your personal information, or to correct or update your personal information, please contact Chubb’s Privacy Officer on +64 (9) 377 1459 or email [email protected].

Authority and Declaration

I/ we:

•understand that in evaluating my/our claim or by accepting documents in support of my/our claim, Chubb has made no acceptance of liability, nor waived any of its rights;

•confirm that any information that I/we supply will be true, correct and complete and that I/we will not withhold any information likely to affect the acceptance or handling of my/our claim and understand that if I/we provide untrue information or do not disclose relevant information that it might result in my/our claim being declined in part or in full;

•will give all reasonable assistance to Chubb and co-operate in the assessment of my/our claim; and

•appoint Chubb to do everything necessary to give effect to the consents and authorisations in this document and to execute, on my/our behalf, any documents or to do such acts required to give effect to this Privacy Consent and Authority.

Name of claimant:

Signature of	X	Date:	/	/
claimant:

Name of

Witness:

Signature of	X	Date:	/	/
Witness:

Page 5 of 7

		Medical Practitioner only to complete this section
	SECTION 2
		This section must be fully completed by a Legally Qualified Medical Practitioner, at the Claimant’s expense.

Please read carefully before completing this section.

Total Disability

The inability to perform each of the substantial duties of your business or occupation (usual activities if not employed).

Definitions

Partial Disability

The inability to perform one or more, but not all of the substantial duties of your business or occupation (usual activities if not employed).

Medical Practitioner

Means a licenced medical practitioner operating within the scope of his or her New Zealand licence and who is not a member of your immediate family.

Patient’s Full Name:		Date of Birth:	/	/
Patient’s Full Name:		Date of Birth:
1. Please tick whether claim is for:	Sickness	Injury
Diagnosis:

Cause:

2. If the patient is suffering from an injury, how did the patient advise you that the injury occurred?

3.	Please Complete for Fractures only. Was the Fracture confirmed by an X-Ray?						Yes	No (Please attach a copy of the X-Ray report)
	Describe the type of Fracture:

4.	When did the symptoms first appear, or the accident happen?				Date:	/		/

5.	When did the patient first consult you for this condition?			Date:		/	/
	Did Total Disability begin this day?	Yes	No	If No, please state date total disability began					Date:	/	/

6.	Has the patient ever had this condition before?	Yes		No
	If Yes, please state if the present condition is an aggravation or recurrence of a previous injury or sickness.
						Recovery Date:		/	/

7.	Has the patient ever had any other disease or infirmity that may be affecting the present condition?						Yes	No
	If Yes, what was the disease or infirmity?

	To what degree did this contribute to current disability?

8.	Is the patient still under your care for this condition?		Yes	No
	If Yes, and the patient has not recovered, what is the expected recovery date?				/	/

Please provide details of the Treatment Plan to assist the patient’s recovery:

	If No, and the patient has recovered, please write the recovery date.				Recovery Date:		/	/

9.	Has the patient had surgery or is surgery anticipated?		Yes	No	Date:	/	/
	Details of surgery:

10. Has the patient been referred to any other Medical Practitioner or Specialist?						Yes	No	(If Yes, please provide details)
	Medical Practitioner’s Name:

	Medical Practitioner’s Address:

	Medical Practitioner’s Telephone Number: (	)					Date Referred:		/	/

11.	Are you the patient’s usual Treating Medical Practitioner?			Yes	No	If Yes, for how many years?

	If No, please advise the details of the patient’s usual Treating Medical Practitioner/Medical Practice.
	Medical Practitioner/Medical Practice’s Name:

	Medical Practitioner/Medical Practice’s Address:

	Medical Practitioner/Medical Practice’s Telephone Number: (			)

Page 6 of 7

12.Disability Periods. (Refer to ‘Definitions’ at top of the opposite page)

a) Totally Disabled:
From:	/	/	To:	/	/		(Inclusive)

b) Partially Disabled
From:	/	/	To:	/	/		(Inclusive)

c) Hospitalised as an overnight In-patient
From:	/	/	To:	/	/		(Inclusive)

At: (Hospital Name)

d) Hospitalised as an overnight In-patient in Intensive Care
From:	/	/	To:	/	/		(Inclusive)

At: (Hospital Name)

e) Do you expect the patient to remain totally disabled for the next 12 months?						Yes	No

13. Is there any further medical information relevant to this claim?

Medical Attendant Authority and Declaration

Chubb Insurance New Zealand Limited Privacy Consent and Declaration

Privacy Consent

I/ we:

i.understand that Chubb Insurance New Zealand Limited CU1-3, Shed 24 Princes Wharf, Auckland requires personal information (which may include my/our personal information and the patient’s health information) so that Chubb can evaluate the patient’s claim and administer their insurance policy;

ii.agree to Chubb disclosing to other parties, including but not limited to, service providers engaged by Chubb, the insurance broker, the policy holder or reinsurers personal information collected in relation to this claim or the insurance policy;

iii.understand that I/we have rights of access to, and correction of, personal information held by Chubb; and

iv.understand that further information about how Chubb collects, uses, discloses and processes my/our information is set out in Chubb’s Privacy Policy, available at www.chubb.com/nz-en/footer/privacy.html.

Declaration

I/we confirm that to the extent I/we am/are aware, the information supplied in this form is true and correct.

Medical Practitioner’s Declaration				WE RECOMMEND THAT A COPY OF THIS FORM IS TAKEN FOR YOUR FILES.

		Date:	/	/	Provider Number:



		Qualifications:
		Qualifications:

		Address: (If not on stamp)

		Telephone Number: (If not on stamp) (			)

	MEDICAL PRACTITIONER’S	Email Address: (If not on stamp)
	STAMP REQUIRED

Full Name of the

Medical Practitioner’s:

Signature of the

Medical Practitioner’s: X

A division of Chubb Insurance New Zealand Limited

Combined Insurance is a division of Chubb Insurance New Zealand Limited Chubb Insurance New Zealand Limited | Company No. 104656 | FSP No. 35924

Customer Service Phone 0800 COMBINED (266 246) Email [email protected]

Website www.combinedinsurance.co.nz Postal Address Private Bag COMBINED Remuera Auckland 1541

Form Number: NZ00010 / ChubbNZ11-22-0721

Page 7 of 7

Click for Combined Insurance Claim File

File Breakdown

Fact Name	Description
Claim Reporting Timeline	Claims must be reported within 30 days of the event leading to the claim. Delays may affect payment.
Medical Practitioner Requirement	Section 2 of the claim form must be completed by the claimant's Medical Practitioner, who must sign and date it.
Supporting Documents	Claimants should attach relevant documents, such as medical reports and invoices, to support their claims.
Claims Processing Steps	Upon receiving a completed claim form, the insurer acknowledges receipt within 5 business days and decides on the claim within 10 business days.
Access to Information	Claimants have the right to access information used to evaluate their claims and request corrections for inaccuracies.
Dispute Resolution Process	If a claim is declined, the insurer must provide reasons and inform the claimant about the complaints and disputes resolution process.
Governing Law	The claim form is governed by New Zealand law, specifically the Privacy Act and the Fair Insurance Code.
Contact Information	Claimants can contact the insurer at 0800 COMBINED for assistance with the claim form or the claims process.

Guide to Using Combined Insurance Claim

Filling out the Combined Insurance Claim form is a straightforward process, but accuracy is crucial to avoid delays. Follow these steps carefully to ensure all necessary information is provided and your claim is processed smoothly.

Contact Combined Insurance as soon as you are aware of the event that may lead to a claim.
Complete Section 1 of the form fully. Include your personal details, contact information, and any relevant invoices or documents to support your claim.
Have your Medical Practitioner fill out Section 2. They must sign and date the form in the designated area.
If your disability is ongoing, be prepared to receive a Continuing Claim Form or Progress Form for your Medical Practitioner to complete during your next visit.
Submit the completed form along with supporting documents within 30 days of the start of your disability. You can send it via post, fax, or email.
Keep a copy of the form and all documents for your records.
Be ready to provide additional information if requested by Combined Insurance or your Medical Practitioner.
Wait for acknowledgment of your claim within 5 business days, and expect updates every 20 business days until your claim is resolved.

Get Answers on Combined Insurance Claim

What is the Combined Insurance Claim Form?

The Combined Insurance Claim Form is a document used to submit a claim for benefits under a policy issued by Combined Insurance, a division of Chubb Insurance New Zealand Limited. This form collects necessary information about the claimant, the nature of the claim, and supporting documentation to facilitate the assessment and processing of the claim.

How do I complete the Combined Insurance Claim Form?

To complete the form, follow these steps:

Contact Combined Insurance as soon as you are aware of an event that may lead to a claim.
Fill out Section 1 with accurate personal information and attach relevant invoices or documents.
Have your Medical Practitioner complete Section 2, ensuring they sign and date the form.
Submit the completed form and all supporting documents within 30 days of the event.

Completing the form accurately and promptly helps speed up the claims process.

What supporting documents do I need to attach?

The required supporting documents vary depending on the type of claim. Common documents include:

Hospital statements for hospitalization claims.
Medical reports verifying fractures for fracture benefit claims.
Pathology reports for cancer claims.
Receipts for transportation or lodging benefits.

Always refer to the specific instructions in the form for the complete list of required documents based on your claim type.

What happens after I submit my claim?

Once your claim is submitted, Combined Insurance will acknowledge receipt within 5 business days. They will review the claim and determine whether to accept it within 10 business days, provided they have all necessary information. If additional information is needed, they will inform you of what is required and the expected timeline for processing.

What if my claim is denied?

If your claim is denied, Combined Insurance will provide a clear explanation of the reasons for the denial. You have the right to access the information used in evaluating your claim and can request corrections if necessary. Additionally, you can pursue the Complaints and Disputes Resolution process outlined in the claim form.

How can I get assistance with the claim form?

If you need help completing the Combined Insurance Claim Form or have questions about the claims process, you can contact Combined Insurance at 0800 COMBINED (266 246). Their representatives are available to assist you with any inquiries you may have regarding your claim.

Common mistakes

Filling out the Combined Insurance Claim form can be a straightforward process, but many people still make common mistakes that can delay their claims. Here are seven key errors to avoid.

One frequent mistake is not providing complete and accurate information. When filling out Section 1, it’s crucial to include all relevant details. Omitting information can lead to delays as the insurance company may need to reach out for missing details. Always double-check that every section is filled out fully and accurately before submitting.

Another common error is neglecting to attach necessary supporting documents. If you are claiming for a specific benefit, such as hospitalization or a fracture, you must provide the corresponding medical reports or invoices. Without these documents, your claim may be delayed or even denied. It’s wise to gather all required paperwork before starting the form to ensure a smoother process.

Many individuals also overlook the importance of having their medical practitioner complete Section 2. This section must be filled out entirely by your doctor, including their signature and date. Failure to do so can result in your claim being put on hold until the required information is received.

Time is of the essence when it comes to submitting claims. A common mistake is waiting too long to send in the claim form and supporting documents. The guidelines specify that you should submit everything within 30 days of your disability's onset. Delaying submission can jeopardize your claim, especially if the insurance company believes the delay has affected their ability to assess it properly.

Another pitfall is misunderstanding the nature of the benefits being claimed. Some claimants fail to read the specific instructions related to different benefits, which can lead to incomplete claims. For example, if you are claiming for skin cancer, it’s essential to provide the correct medical verification. Always refer back to the instructions to ensure you are meeting all requirements for each specific claim.

Additionally, many people forget to keep copies of everything they submit. This can be problematic if there are questions or disputes about the claim later. By retaining copies of your completed form and all supporting documents, you will have a clear record of what was submitted, which can be invaluable if any issues arise.

Lastly, failing to follow up after submitting the claim can lead to unnecessary anxiety. Once you’ve sent your claim, it’s a good practice to confirm receipt and inquire about the timeline for processing. Insurance companies typically acknowledge receipt within five business days. If you don’t hear back, don’t hesitate to reach out for updates.

By being mindful of these common mistakes, you can improve your chances of a smooth and timely claims process. A little attention to detail can go a long way in ensuring your claim is processed efficiently.

Documents used along the form

When submitting a Combined Insurance Claim Form, several additional documents may be necessary to support your claim. Each of these documents serves a specific purpose and can help expedite the claims process. Below is a list of commonly required forms and documents.

Medical Report: A detailed report from your medical practitioner outlining your diagnosis, treatment, and prognosis. This document is essential for verifying the legitimacy of your claim.
Hospital Statement: A statement from the hospital that includes dates of admission and discharge. This is crucial if you are claiming benefits related to hospitalization.
Invoice for Medical Expenses: An itemized invoice detailing all medical expenses incurred. This helps to substantiate your claim for reimbursement of medical costs.
Police Report: If your claim involves an accident, a police report may be required. This document provides an official account of the incident.
Witness Statements: Statements from individuals who witnessed the incident can provide additional evidence to support your claim.
Continuing Claim Form: This form is used if your disability continues beyond the initial claim period. It must be completed by your medical practitioner.
Transportation Receipts: If you are claiming transportation benefits, receipts for travel expenses must be attached to your claim.
Family Lodging Receipts: For claims related to family lodging, provide copies of hotel or motel bills to substantiate your expenses.
Photographs of Injuries: If claiming for facial disfigurement or similar benefits, photographs of the injury may be required to assess the claim.
Pathology Report: For claims related to cancer, a pathology report confirming the diagnosis is necessary to validate your claim.

Ensure that you gather all required documents and submit them promptly to avoid delays in processing your claim. Each document plays a vital role in facilitating a smooth claims experience.

Similar forms

Health Insurance Claim Form: Similar to the Combined Insurance Claim form, this document requires detailed information about medical treatments and expenses. Both forms necessitate supporting documents, such as medical reports and bills, to validate claims.
Accident Claim Form: This form is used to report injuries resulting from accidents. Like the Combined Insurance Claim form, it asks for specifics about the incident and requires signatures from medical practitioners to confirm injuries.
Disability Claim Form: Individuals use this form to claim benefits due to disabilities. It shares similarities with the Combined Insurance Claim form in that it requires medical documentation and details about the nature and duration of the disability.
Life Insurance Claim Form: This document is submitted to claim benefits after the policyholder's death. It parallels the Combined Insurance Claim form by requiring proof of death, policy details, and identification of beneficiaries.
Workers' Compensation Claim Form: Used by employees to claim compensation for work-related injuries, this form is akin to the Combined Insurance Claim form in that it requires information about the injury, medical treatment, and employer details.
Travel Insurance Claim Form: This form is utilized for claims related to travel disruptions or medical emergencies abroad. Similar to the Combined Insurance Claim form, it requires documentation of incidents, such as medical reports or travel receipts, to support the claim.

Dos and Don'ts

When filling out the Combined Insurance Claim form, there are several important dos and don'ts to keep in mind. Following these guidelines can help ensure a smoother claims process.

Do contact Combined Insurance as soon as you are aware of an event that may lead to a claim.
Do provide honest and complete information when completing the claim form.
Do complete Section 1 of the form fully and attach any relevant supporting documents.
Do have your Medical Practitioner fill out Section 2 and ensure they sign and date the form.
Do submit the claim form and all supporting documents within 30 days of your disability.
Don't submit an incomplete claim form, as this can delay the processing of your claim.
Don't forget to include any required medical reports or invoices when submitting your claim.
Don't ignore requests for additional information from Combined Insurance or your Medical Practitioner.
Don't delay in reporting your claim, as a delay may affect your claim's outcome.

Misconceptions

Misconception 1: The Combined Insurance Claim Form can be submitted without all necessary documents.

This is not true. It is essential to attach all relevant invoices and supporting documents when submitting the claim form. Failing to do so may delay the processing of your claim.

Misconception 2: Only the claimant can fill out the entire form.

While the claimant provides personal information, Section 2 must be completed by the Medical Practitioner. This ensures that the medical details are accurate and complete.

Misconception 3: Claims can be processed without timely submission.

Claims must be submitted within 30 days of the start of the disability. Delays in reporting can affect the ability to assess the claim and may result in delayed payment.

Misconception 4: Benefits are paid in advance of the Medical Practitioner’s assessment.

This is incorrect. Payments are made only up to the date the Medical Practitioner has signed the claim form. Future benefits cannot be paid until further assessments are completed.

Misconception 5: There is no need to provide additional information if the claim is initially accepted.

Sometimes, more information may be required even after initial acceptance. The insurance provider may request further documentation or an independent assessment.

Misconception 6: You can access any information related to your claim without restrictions.

While you have rights to access your information, there may be limitations based on privacy laws and the nature of the information requested.

Misconception 7: The claims process is immediate and does not require updates.

The claims process involves several steps, including acknowledgment and updates every 20 business days. Patience is necessary, as thorough assessments are conducted to ensure accurate outcomes.

Key takeaways

Contact Combined Insurance promptly after becoming aware of an event that may lead to a claim. Timely communication can expedite the claims process.
Complete Section 1 of the Claim Form thoroughly. Include all relevant invoices and supporting documents to avoid delays.
Ensure that only your Medical Practitioner fills out Section 2. Their signature and date are essential for the validity of your claim.
Benefits are typically paid only up to the date your Medical Practitioner signs the Claim Form. For ongoing disabilities, a Continuing Claim Form will be necessary.
Be prepared to provide additional information if requested by Combined Insurance or if an independent assessment is required.
Submit your Claim Form and all supporting documents within 30 days of your disability's start. Delays may affect your claim's processing.
After submission, expect acknowledgment of your claim within 5 business days and updates every 20 business days until resolution.
You have the right to access the information used to evaluate your claim and to request corrections if necessary.
If your claim is declined, Combined Insurance will provide a clear explanation. You can also access their Complaints and Disputes Resolution process.