Suncorp Life Insurance, Income Protection and Funeral Insurance (Suncorp Life) Customer Information – COVID-19
Suncorp Life is ready to help you
At Suncorp Life, we, the insurer and our life insurance teams continue to be ready to support you through this challenging time as the COVID-19 situation evolves. Our first priority is supporting our customers and to be paying claims and providing a full service to you.
For information regarding Suncorp Life Claims
If you are on claim and are ill with COVID-19, you are covered
There are no general exclusions for COVID-19 in any of our individual Suncorp Life policies. If you are currently on claim, then you can be assured that you are fully covered for COVID-19, and continue to be paid in line with your policy terms and conditions.
If you are currently on claim, you will continue to be paid
Our claims payment and support process is the most important thing we do, here at Suncorp Life. Our Suncorp Life claims teams are operating well and continue to be ready to support you through this challenging time, and we do not anticipate any significant delays to claims payments. Your claim will continue to be paid while you continue to meet your policy terms and conditions.
If you need to lodge a new claim
Dealing with your claim as quickly as possible is a priority for us because we know it's important to you. When you make a claim with Suncorp Life you only need to speak to one person – your claims manager. They will be there to let you know what’s needed for your claim as well as answer any questions you may have. All claims will continue to be assessed according to the terms and conditions of your specific policy.
To make a claim, get in touch:
- Please call Suncorp Life on 13 11 55 Mon to Fri, 8.00am – 6.00pm (AEST)
Suncorp Life’s broader support for our customers making claims or already receiving claims benefits
To ensure our claims managers provide the best possible support to our customers, we have developed additional claims situations considering the ways in which COVID-19 might affect individual customers and their own circumstances. As an extension of this, Suncorp Life has established a dedicated team with experts from our Claims team to investigate alternative solutions for customers who may be experiencing difficulty meeting the information requirements of the claims process, while supporting claims managers with technical advice, including medical evidence requests.
For existing Suncorp Life customers
Cover for COVID-19
Existing customers are fully covered for COVID-19
There are no general exclusions for COVID-19 in any of our individual Suncorp life insurance policies. If you are an existing Suncorp Life customer you can be assured that you are fully covered for COVID-19 in line with your policy terms and conditions. This includes all doctors, nurses and health professionals.
If you are suffering financial hardship and are having difficulty in paying your premium for your existin Suncorp Life policy then Suncorp Life can help
Suncorp Life provides our customers with a range of ways to assist with the ongoing payment of premiums if they find themselves in financial hardship. In light of the challenging circumstances surrounding COVID-19, we have taken further steps to strengthen and adapt Suncorp Life’s existing Financial Hardship Policy, providing our customers with additional options including increased flexibility around premium payments and ongoing insurance cover. If you have been directly impacted by COVID-19 and are concerned about your ability to meet your premium payments please contact the Suncorp Life customer service on 13 11 55, or visit the Suncorp Life’s Financial Hardship Policy.
If you want to increase your level of cover with Suncorp Life then we are here to help
If you wish to increase your insurance cover with Suncorp Life then please follow our normal policy increase application process. If during the policy increase application and assessment process it is established that you have recently travelled abroad, are showing symptoms of COVID-19, or are in a high risk group then you may be individually assessed, and modified terms may be offered for the additional insurance cover only. These matters would be identified and assessed through our normal assessment process. Any new modified terms that are applied would only apply to the additional insurance cover and would not be applied to the insurance cover you already have in place under your policy.
For new Suncorp Life customers
If you wish to purchase cover with Suncorp Life then we are here to help
New customers purchasing Suncorp Life and Income Protection policies can be covered in line with the policy terms and any special conditions or exclusions applied based on individual circumstances, like health status, medical history, travel or pastimes. If you have recently travelled abroad, or are showing symptoms of COVID-19, or are in a high risk group then your application will be individually assessed, and modified terms may be offered. These matters would be notified to you during your application and before your cover begins, and will also appear in your Policy Schedule
Suncorp Funeral Insurance is available to all Australian residents aged 45-75. There are no medical questions or tests required to apply, however it is important to note that cover is only provided for Accidental Death (which has a special meaning set out in the PDS) for the first 12 months. This means that a claim would not be paid for death caused by anything other than an accident in the first 12 months of taking out Suncorp Funeral Insurance cover (or, following any increase, in respect of the increased portion). All causes of death are covered after the first 12 months of cover.
If you are a frontline healthcare worker and would like to purchase cover with Suncorp Life then we are here to help
If you are a frontline doctor, nurse, medical practitioner, or a healthcare worker who supports them, such as police, pharmacist, paramedic or age care worker, and wish to apply for new insurance cover with Suncorp Life we would be pleased to help you. This is regardless of any exposure, or potential exposure, to COVID-19. For more information, please visit the COVID-19 Commitment to frontline healthcare workers page or contact the Suncorp Life Customer Service team on 13 111 55.
Find out more about your individual Suncorp Life policy
Suncorp life insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL companies use the Suncorp brand under license.
Suncorp is a distributor of Life Insurance products issued by Asteron and TAL Life. The different entities of TAL and the Suncorp group of companies are not responsible for, or liable in respect of, products and services provided by the other. Suncorp is a distributor of products issued by Asteron and TAL Life. The different entities of TAL and the Suncorp group of companies are not responsible for, or liable in respect of, products and services provided by the other.
- References to ‘Suncorp Life’, ‘we’, ‘our’, ‘us’, in these FAQs are references to Asteron Life and Superannuation Limited (Asteron) or TAL Life Limited (TAL Life).
- This advice is general and has not taken into account your individual objectives, financial situation, or needs. You must consider whether this advice is right for you having regard to your individual personal circumstances. You may need financial advice from a qualified adviser. Before you make a decision to acquire or continue to hold an insurance product, you should carefully, and in detail, read the relevant PDS and the policy document (where applicable) for the terms, conditions and any exclusions that apply to that product to ensure that the product is suited to your own individual objectives, financial situation and needs.
- The information in this FAQ is not, and is not intended to be used as, personal financial advice, legal advice or medical advice for any of the questions covered, nor is it a substitute for any independent professional advice.
- The information is not intended to influence or encourage you to acquire or hold (or not to acquire or hold) Suncorp Life Insurance product or to encourage or discourage you from making a claim under your current Suncorp Life insurance policy with your insurer.
- This information must be read in conjunction with the relevant policy document, product disclosure statement and/or any policy schedule (including any relevant terms, conditions, exclusions and waiting periods contained in these documents).