How long do I have to wait to get paid after making a claim on my Income Protection policy?

Your policy has a claim waiting period before any payments will begin. Payments are made one month in arrears, after the claim waiting period. You must be continuously disabled for this entire period. For the Sickness and Injury cover, the claim waiting period starts when you first consult a medical practitioner for the sickness or injury and stop all work. For more information about claims, please refer to the PDS .

What happens if I make a claim for the same sickness or injury as a previous claim?

For the Sickness and Injury cover, you can claim the 6, 12, 24 or 60 months claim benefit period per claim and cannot claim again for the same sickness or injury unless you have made a full recovery between claims. If you do not make a full recovery and have not been paid for the full benefit period, we may treat the claim as recurring and continue your benefit without applying the waiting period again. However, if you suffer from the same sickness or injury and your last monthly benefit was paid more than 6 months ago, it will be treated as a new claim and the waiting period will apply. There is a maximum claim benefit period of 2 years in total over the life of the policy for mental health related conditions.

Can Suncorp cancel my insurance policy?

Your policy can be cancelled if you engage in non-disclosure or fraud or don’t pay your premiums. Your Sickness and Injury cover can't be cancelled by the insurer except where there has been an attempt at fraud or where we are allowed by law if you have failed to fully disclose any relevant information when you applied for the insurance (non-disclosure). An insurer may also elect to cancel a policy for non-payment of premium.

Income Protection

Your policy has a claim waiting period before any payments will begin. Payments are made one month in arrears, after the claim waiting period. You must be continuously disabled for this entire period.

You will need to complete a claim form and provide other documents including your financial documents, medical notes if applicable and a certified proof of your identity and age (birth certificate, drivers licence or passport).

For the Sickness and Injury cover, you can claim the 6, 12, 24 or 60 months claim benefit period per claim and cannot claim again for the same sickness or injury unless you have made a full recovery between claims.

Your policy can be cancelled if you engage in non-disclosure or fraud or don’t pay your premiums.

The Life Insurance Code of Practice is a series of mandatory customer service standards that all life insurers need to comply with. These standards cover sales and marketing practices, underwriting and claims and are designed to protect you.

Suncorp Life Insurance policies are issued by TAL, who played a key role in creating the Life Insurance Code of Practice. Suncorp Life is committed to delivering the best possible customer service standards. Suncorp Life will continue to look for ways to raise the standards of customer service now and over the years to come. Read more.

Frequently asked questions about Income Protection Insurance