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Ronald Testimonial - Virgin Money Income Protection
Carole Testimonial - Virgin Money Income Protection

Making an Income Protection claim

If you get ill or injured and can't work for a while, or become Involuntarily Unemployed (if you have Involuntary Unemployment Cover), we understand how stressful this can be so it's very important that you advise us of the claim as soon as you can. We'll do everything we can to make sure things run as smoothly as possible.

How to make a Virgin Income Protection claim

For new and existing claims 1300 814 990 (Press 1 then 1)
Mon to Fri 8am to 8pm (AEST)
To send us an email expert@virginlifeinsurance.com.au
To fax us documents 1800 731 122
To post us documents Virgin Life Insurance Claims
Reply Paid 72
Carlton South, VIC 3053


Things you'll need to support claim

  • A complete Medical Practitioners form, if applicable
  • A certified copy of proof of your identity such as your driver's license or passport

We may need you to send us evidence of your income, involuntary redundancy and job seeking; or other relevant documents depending on the nature of your claim. For Involuntary Unemployment for example, a certified copy of your notice of redundancy from your employer and a certified copy of your Separation Certificate would be required. We will discuss this with you when you call us to advise that you wish to make a claim.

You'll need to fax or post these documents so we can promptly review your claim.

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Your claim will be taken care of by your own personal claims case manager.

We pay income protection benefits one month in arrears, after the waiting period has finished. For example, if your waiting period is 28 days, and you become eligible to claim on 1st September, you'll see out this waiting period, and receive your payment at the end of October for benefit period 1 October to 30 October. After this, you'll receive your benefit payment at the end of each month, until your benefit period expires or you return to good health and/or work.

Please note that under Bonus Cover, benefits for some common injuries, such as broken bones, and illnesses such as a heart attack accrue faster - starting from day one of your Sickness or Injury.

Every month that you are out of action, you may need to complete and send us a progress claim form as requested by your case manager so that we know you are still entitled to receive a payout. You are responsible for the costs of providing the initial and ongoing information or documents to support your claim.

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  • Your Waiting Period: is the time you need to be continuously 'Out of Action' or redundant before benefits start to accrue. Benefits are then paid monthly in arrears while you're getting medical care or looking for new employment.
    Note about Involuntary Unemployment Cover: You’ll need to have held the cover for 6 months before you become involuntarily redundant, then also be unemployed for 28 days.
  • Your Benefit Period: is the amount of time you can receive payments when you're unable to work due to sickness or injury. These payments will continue as required up to the end of your chosen Benefit Period.
    Note about Involuntary Unemployment Cover: You could receive a monthly benefit for up to 3 months.

Here are some examples of how it all works...


Virgin Income Protection is available to Australian Residents between 18-60 years of age. Applications subject to acceptance.

 

+Up to $10,000 per month, up to 85% of pre-tax income available with our Tailored Cover option.

 

^$1 per day could provide $3,000 sickness & injury cover per month, for a 35 year old white collar non-smoker male with a 6 month Benefit Period & 28-day Waiting Period, under Tailored option.

 

*On the spot cover for eligible Australian Residents aged 18-65 with our Quick & Easy option. Exclusions apply including pre-existing medical conditions, suicide, and dangerous activities. See the Product Disclosure Statement for more information.

 

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information, having regard to your personal financial situation, needs and objectives as well as the Product Disclosure Statement and Financial Services Guide before deciding whether to buy this product. View Privacy & Security information.


Virgin Life Insurance and Virgin Income Protection promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869, and distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. All other benefits insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848. For information about Virgin Money, TAL & St Andrew's please see the Product Disclosure Statement and Financial Services Guide.