Existing Medical Condition Quote

Name of Condition

To the best of your knowledge, please provide the name of the condition as described by your Doctor or other Medical Practitioner.

For example: This can be conditions such as; High Cholesterol, Repetitive Strain Injury (RSI), Asthma, Depression, ect.

Date of Diagnosis

To the best of your knowledge, please provide the date you were diagnosed by your Doctor or became aware of the condition.

Providing an accurate date or remembering the ‘round-about’ time of an event that may have triggered the condition, will help us to assist you in finding the right cover suited to your personal insurance needs.

Treatment / Other Comments

To the best of your knowledge, please detail the treatment you have received, or are expecting to receive for this condition.

This can be the medication you may have been prescribed by any medical practitioner, any surgery you may have undergone or are expecting to receive, Chiropractic/Physiotherapy treatment, Counselling etc.

To ensure we find the most competitive insurance option tailored to you, please provide as much information as possible in relation to the medical condition(s) you have entered.

For example: Do you feel the condition is controlled/stable/recovered/ongoing? Does this condition restrict you from your daily activities in any way? Is the condition hereditary?

What is Term Life Cover?

Life Insurance pays out an agreed lump sum in the event of death or terminal illness (an illness from which you are expected to die within 12 months diagnosed by a Medical Practitioner). The only exclusion is death due to suicide in the initial 13 months.
The lump sum payment can be used by your beneficiaries to:

• pay off debts (such as a mortgage), and/or
• provide an income so that your loved ones' lifestyle is not compromised

What is Total and Permanent Disability Cover?

Total and Permanent Disability insurance (TPD insurance) provides a lump sum in the event of you becoming totally and permanently disabled.
TPD insurance can be used to fund rehabilitation costs, repayment of debts and the other general day to day costs. Normally the lump sum is not paid until the disability has been evident for six months, and the insurer deems that you are unlikely to work. TPD insurance can pay for:

• lifestyle changes, and/or
• debts (including mortgages)

What is Trauma Cover?

Trauma insurance pays out an agreed lump sum payment in the event you are diagnosed with a specified medical condition.

A number of medical conditions are covered including:

• Cancer
• Heart attack or coronary artery disorders
• Stroke, dementia and Alzheimer’s
• Loss of limbs, sight or serious injury

What is Income Protection Cover?

Income Protection can cover up to 75 per cent of your annual salary for a pre-determined period of time, if you are unable to work due to sickness or injury. You will continue to receive payments until you return to work or to the end of the benefit period. The premiums paid are tax deductible.
Income Protection insurance can pay for:

• mortgages repayments, and/or
• other day to day living expenses

What is Mortgage Protection Cover?

Mortgage protection insurance is a combined product that provides you with both lump sum death cover, and monthly income replacement if you are unable to work due to disability.

What is Redundancy Insurance?

Redundancy insurance covers your monthly expenses in the event of compulsory redundancy, or being unable to work due to accident or illness (depending on product policy).

What is Funeral Insurance?

Funeral Insurance provides an agreed lump sum payment to cover expenses relating to funeral arrangements in the event of your death.