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Free Combined Insurance Claim PDF Template

The Combined Insurance Claim Form plays a vital role for insured individuals under Combined Insurance, a division of Chubb Insurance New Zealand Limited, when reporting a claim. This form is designed to streamline the process of claiming by providing clear instructions on how to fill out and submit the necessary information to ensure a swift and efficient assessment of claims. It highlights the importance of honest, complete, and timely communication between the insured and the insurer, ensuring that claims are processed with as little delay as possible.

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Free Combined Insurance Claim PDF Template

Outline

When individuals face unforeseen circumstances that necessitate filing a claim with their insurance, the Combined Insurance Claim Form becomes an essential document to handle meticulously. This form, a crucial component of the services provided by Combined Insurance, a division of Chubb Insurance New Zealand Limited, is designed to streamline the process of claiming insurance benefits. To ensure that claims are processed efficiently and accurately, the form comes with a set of important instructions that guide the insured or covered person—referred to as "you" or "your"—through the necessary steps for completion. These steps include direct engagement with the claimant's medical practitioner for the completion of specific sections, timely submission of the form alongside any requisite invoices or documents for support, and adherence to the instructions for particular benefits listed within the document. Additionally, the process highlights the company’s commitment to providing clarity and support throughout the claiming process, as evidenced by the detailed procedures for claim acknowledgment, evaluation, and updates. Claimants are reminded of the importance of honesty and the provision of comprehensive and current information to avoid delays and ensure a smooth assessment. Moreover, the document outlines the rights of claimants, including access to information and the company's complaints and dispute resolution process, emphasizing a transparent and supportive approach to handling claims.

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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 claims@combined.com. 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 Privacy.NZ@chubb.com.

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 enquiries@privacy.org.nz 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: Complaints.NZ@chubb.com

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: DisputeResolution.NZ@chubb.com

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: info@fscl.org.nz

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 Privacy.NZ@chubb.com.

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 claims@combined.com

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

Form Number: NZ00010 / ChubbNZ11-22-0721

Page 7 of 7

Get PDF Form

Document Attributes

Fact Name	Detail
Claim Submission Timeline	Claims must be submitted within 30 days of the commencement of the disability.
Claim Assessment Process	Upon receiving the claim form, acknowledgment is provided within 5 business days, with a determination typically made within 10 business days if all required information is provided.
Requirements for Medical Information	Section 2 of the form must be completed by the claimant's Medical Practitioner, who must also sign and date the form.
Privacy and Personal Information Handling	Chubb collects and uses personal information in accordance with New Zealand's Privacy Act and Chubb’s Privacy Policy, emphasizing the protection of the claimant's privacy.
Governing Law	The claim form and associated procedures are governed by the laws of New Zealand, and Chubb adheres to the Fair Insurance Code as a member of the Insurance Council of New Zealand (ICNZ).

How to Fill Out Combined Insurance Claim

Filling out a Combined Insurance Claim form is a critical step towards securing your insurance benefits after an incident that leads to a claim. The accuracy and completeness of the information you provide can significantly impact how quickly and effectively your claim is processed. Therefore, it’s essential to follow the instructions carefully and supply the necessary supporting documents to expedite your claim. Below, you’ll find a detailed guide on how to complete the form.

Start with Section 1: Fill out your personal and contact information in block letters. Include details such as your name, date of birth, height, weight, residential and postal address (if different), telephone numbers, email address, occupation, employer's details, and whether you are claiming under a Family Policy. If you prefer Electronic Funds Transfer (EFT) for your claim payment, indicate this and provide the relevant bank account details.
Complete the Accident or Sickness section: Depending on your claim type, fill out the section that applies to your situation. For accidents, provide comprehensive details about the incident, including when and where it happened, nature of injuries, explanations of how the accident occurred, police report information if applicable, witness details, and any alcohol or drug consumption. For sickness, detail the nature of the sickness, when symptoms were first noticed, and information about the medical consultation.
Medical Practitioner’s details: Ensure your Medical Practitioner fills out Section 2 entirely and signs the form. This includes diagnosing and treating your condition, previous treatments for related conditions, and information about any hospitalization related to your claim.
Supporting Documents: Attach all relevant supporting documents such as hospital statements, medical reports, pathology reports for cancer claims, proof of transportation and lodging expenses if applicable, and any other documentation that supports your claim.
Sign the Authority and Declaration section: After thoroughly reviewing the information provided, sign the Authority and Declaration at the end of the form. This confirms the accuracy of the information and grants the necessary consents for processing your claim.
Submit the Completed Form: Ensure all sections are completed and the required documents are attached. Send the claim form along with the supporting documents within 30 days of the commencement of your disability to the address, fax, or email provided by Combined Insurance.

After submitting your claim, the evaluation process begins. Combined Insurance will acknowledge receipt of your claim within 5 business days and proceed with the assessment. The company might request additional information or documentation from either you or your medical practitioner. Keeping informed and cooperating with any requests facilitates a smoother claim process. Remember, you have rights to access the information related to your claim and the option to utilize Combined Insurance's Complaints and Disputes Resolution process if necessary.

More About Combined Insurance Claim

How do I contact Combined Insurance to report a claim or get assistance with the claim form?

To report a claim or seek assistance with the claim form, you can contact Combined Insurance on 0800 COMBINED (266 246). The team is ready to offer the necessary help and guide you through the claiming process or how to assess a claim.
What is the deadline for submitting a Combined Insurance claim form?

You are required to send the completed claim form along with all supportive documents within 30 days from the commencement of your disability. Failing to meet this deadline may affect or delay the payment of your claim, especially if it is determined the delay prejudiced the claim assessment process.
What important steps are involved in the Combined Insurance claims process?
- Acknowledgement of your claim within 5 business days.
- Assessment of your claim within 10 business days after obtaining all necessary information.
- Regular updates every 20 business days or at intervals agreed upon, until your claim is resolved.
Who should complete Section 2 of the Combined Insurance claim form?

Section 2 of the claim form should be completed in full by your Medical Practitioner. It is important that your Medical Practitioner also signs and dates the form in the appropriate place for the claim to be processed.
What happens if my disability continues after the date my Medical Practitioner signed the claim form?

If your disability persists beyond the date your Medical Practitioner signed the claim form, you will receive a Continuing Claim Form or Progress Form. This form should be completed and signed by your Medical Practitioner on your next visit to allow for further payments up to the new date signed by your Medical Practitioner.
Can I have access to the information Combined Insurance relies on in evaluating my claim?

Yes, you have the right to access the information that was used in evaluating your claim. You also hold the right to request corrections of any inaccuracies or mistakes found within that information.
What should I do if Combined Insurance declines my claim?

If your claim is declined, either in whole or in part, you will receive a clear explanation for the decision. You can access Combined Insurance's Complaints and Disputes Resolution process, summarized on the back page of the claim form, to seek further assistance or lodge a complaint.
What additional documentation might I need to attach for particular benefits?
- Hospital statements for hospitalization benefits.
- Medical reports for fracture benefits.
- Pathology reports for covered cancer claims.
- Receipts for transportation and family lodging benefits.
- A photograph for facial disfigurement benefits.
How is my personal information managed and protected by Combined Insurance?

Combined Insurance commits to protecting your privacy and manages your personal information in accordance with New Zealand's Privacy Act and Chubb’s Privacy Policy. Your information is collected, used, disclosed, and retained only as necessary for evaluating your claim and administering your insurance policy.
How can I lodge a complaint if I'm dissatisfied with the handling of my claim?

If you are not satisfied with the handling of your claim, you can lodge a complaint through multiple channels including email at Complaints.NZ@chubb.com, by phone at COMBINED (266 246) within NZ or +64 9 520 9000 if calling from overseas, by fax at +64 9 520 9009, or via post. If unresolved, you can escalate the complaint to the internal dispute resolution team and, if still dissatisfied, to an external dispute resolution scheme operated by Financial Services Complaints Limited (FSCL).

Common mistakes

When filling out the Combined Insurance Claim Form, it's crucial to avoid common mistakes to ensure the processing of your claim is smooth and without unnecessary delays. Here are eight common mistakes people often make:

Not contacting the insurance company as soon as possible after becoming aware of a claimable event. Timely communication is key to a smooth claims process.
Failing to complete Section 1 in full, including not attaching relevant invoices or documents. Complete information speeds up the review process.
Allowing someone other than the Medical Practitioner to complete Section 2. This section must be completed in full by a licensed Medical Practitioner for the claim to be processed correctly.
Submitting the claim form without the Medical Practitioner's signature and date. The signature and date are crucial for verifying the claim.
Not sending the claim form and all supporting documents within the specified 30-day period. Late submissions can lead to delays or even denial of the claim.
Omitting information or providing incomplete details about the claim. Full and honest disclosure is necessary for an accurate assessment of the claim.
Expecting payments for disabilities or events that have not yet occurred or been signed off by a Medical Practitioner. Insurance typically covers events that have already happened.
Not cooperating with the request for more information or independent assessments. Cooperation is essential for a thorough and fair assessment of your claim.

Avoiding these mistakes not only facilitates a faster claims process but also increases the chances of your claim being approved. Always ensure you read and understand the claim form instructions thoroughly and provide all requested information and documents promptly.

Documents used along the form

When filing a Combined Insurance Claim Form, additional documentation is often required to support the claim. This documentation aids in verifying the details of the claim, which can help in speeding up the processing time and ensuring accuracy in the review. Here's a succinct rundown of six common forms and documents that accompany a Combined Insurance Claim Form:

Medical Reports: Detailed reports from a medical practitioner that describe the injury or illness, treatments received, and the prognosis. These reports provide evidence of the medical condition and the necessity of the treatment.
Hospital Statements: These include itemized lists of services provided during hospital stays, including dates of admission and discharge. Hospital statements substantiate the costs incurred and the duration of the hospital stay.
Pathology or Diagnostic Reports: For claims involving specific diagnoses, such as cancer, these reports confirm the diagnosis through laboratory findings, histology, or other diagnostic criteria relevant to the condition claimed.
Accident Reports: If the claim is the result of an accident, an official accident report from the relevant authority (e.g., a police report for a motor vehicle accident) provides an independent account of the incident, which helps in the assessment process.
Receipts for Expenses Incurred: Receipts for medical treatments, prescriptions, and any travel or accommodations related to the treatment of the injury or illness are crucial for claims involving reimbursement of expenses.
Photographic Evidence: In cases of physical injuries, photographs can serve as direct visual evidence of the injury's severity and can be especially relevant for claims involving visible scars or disfigurement.

These documents play a critical role in the claim process by offering comprehensive evidence to support the details provided in the claim form. By thoroughly compiling and submitting all relevant documentation, claimants can facilitate a smoother and more efficient review process. Remember to keep copies of all documents submitted for personal records and future reference.

Similar forms

Health Insurance Claim Form: Similar to the Combined Insurance Claim form, health insurance claim forms are used by policyholders to request reimbursement or direct payment for medical services obtained. Both types of forms collect detailed information about the medical treatment, the provider, and the claimant's policy information to process the claim.
Disability Insurance Claim Form: This form, like the Combined Insurance Claim form, is used when an individual needs to file a claim due to a disability that prevents them from working. Both forms require detailed medical information and often a statement from a medical practitioner to substantiate the claim.
Life Insurance Claim Form: Used by beneficiaries to claim the death benefit of a life insurance policy, this form shares similarities with the Combined Insurance Claim form in that it requires specific documentation (e.g., a death certificate) and detailed information about the insured and the claimant.
Auto Insurance Claim Form: Similar to filing a claim for an accident or sickness with Combined Insurance, auto insurance claim forms require detailed information about the incident (e.g., date, location, parties involved) and may require police reports or medical records if there are injuries.
Travel Insurance Claim Form: Like the Combined Insurance Claim form, travel insurance claim forms are used to report losses experienced while traveling, such as trip cancellations, medical emergencies, or lost luggage. Both forms require thorough documentation to support the claim.
Homeowners Insurance Claim Form: When filing a claim for property damage or loss, homeowners insurance claim forms collect similar information to the Combined Insurance Claim form, such as details of the damage, estimates for repairs, and any police reports if applicable.
Workers' Compensation Claim Form: Used by employees to file a claim for a work-related injury or illness, this form requires medical documentation and details about the injury or sickness, similar to the Combined Insurance Claim form's requirements for documenting accidents and sicknesses.
Property Damage Claim Form: For non-auto-related property damage, these forms require the claimant to provide detailed information about the extent of the damage and the circumstances under which it occurred, drawing parallels to the structure and requirements of the Combined Insurance Claim form.
Professional Liability Claim Form: In cases where a professional service provider, like a doctor or lawyer, is sued for negligence, these claim forms, similar to the Combined Insurance Claim form, require detailed information about the services provided and the alleged mistakes or negligence.

Dos and Don'ts

When it comes to filling out the Combined Insurance Claim form, a careful and methodical approach is essential for ensuring your claim is processed efficiently. Below are nine dos and don'ts to guide you through the process:

Do contact Combined Insurance as soon as possible once you are aware of an event or circumstance that may lead to a claim. Prompt communication can help streamline the claims process.
Do provide complete, honest, and up-to-date information. Accuracy is crucial to avoid delays or issues in the assessment and payment of your claim.
Do ensure that Section 1 of the form is filled out completely and relevant supporting documents, such as invoices or medical reports, are attached.
Do have your Medical Practitioner fill out Section 2 thoroughly. The signature and dating of the form by your Medical Practitioner confirm the details of your claim.
Do submit your claim form and all supporting documents within 30 days of the disability's onset. This helps prevent any prejudice to the assessment of your claim.
Don't skip sections or leave parts of the form incomplete. Incomplete forms can lead to delays as additional information may be required to process your claim.
Don't forget to sign and date the Authority and Declaration section of the form. This verification step is vital for the processing of your claim.
Don't delay in providing any additional information requested by Combined Insurance. Prompt cooperation can accelerate the claims handling process.
Don't hesitate to contact Combined Insurance at 0800 COMBINED (266 246) for assistance if you have any questions about completing the form or the claims process itself.

By following these guidelines, you can help ensure that your claim is processed smoothly and efficiently, minimizing potential stress and ensuring you receive the benefits you're entitled to in a timely manner.

Misconceptions

Handling an insurance claim can sometimes feel like navigating through a maze, especially when it comes to understanding the ins and outs of the claim process. With the Combined Insurance Claim form, there are quite a few misconceptions that can create confusion. Let's clear the air on some of these common misunderstandings:

Immediate reporting isn’t necessary. It's actually crucial to contact Combined Insurance as soon as you become aware of a claimable event. Prompt reporting helps in assessing your claim more efficiently and ensures that there are no unnecessary delays.
Partial completion of the form is okay. Completing Section 1 in full and attaching all relevant invoices and documents is essential. Incomplete forms can lead to delays as additional information may be needed to process your claim.
Any healthcare provider can fill out Section 2. Only your Medical Practitioner should complete Section 2 fully and sign it. This ensures that the medical information provided is accurate and relevant to your claim.
Benefits are paid in advance. Insurance benefits are normally paid up until the date your Medical Practitioner signs the Claim Form. Insurance does not cover future losses or disabilities that haven’t occurred yet.
A delay in submission doesn’t affect the claim. Submitting the Claim Form and supporting documents within 30 days is important. Delays can prejudice the assessment and may affect or delay payment.
The claims process is lengthy and uncommunicative. Combined Insurance aims to acknowledge receipt of your claim within 5 business days and determine the claim within 10 business days of having all necessary information. They commit to keeping you updated regularly.
Denial of a claim is the end of the road. If your claim is declined, you have the right to access the information relied upon for the claim evaluation and to ask for corrections. You also have access to a Complaints and Disputes Resolution process.
Personal information is shared freely. Combined Insurance collects and uses your personal information strictly in accordance with New Zealand’s Privacy Act and their Privacy Policy, ensuring your privacy is protected.
Claim forms are complicated. While the claim form is thorough, it is designed to collect all necessary information to process your claim efficiently. Assistance in filling out the form is available, and queries can be addressed by contacting Combined Insurance directly.

Understanding these key points can simplify the claims process and help avoid common pitfalls. Remember, thorough and prompt communication with Combined Insurance will facilitate a smoother claim experience.

Key takeaways

Filling out and using the Combined Insurance Claim form involves understanding several key takeaways to ensure the process is smooth and leads to a fair assessment of your claim. Here’s what you need to know:

Contact Combined Insurance as soon as possible after you're aware of a circumstance that may lead to a claim. Provide honest and complete information to speed up the assessment process.
Complete Section 1 in full and attach all relevant documents, such as invoices, to avoid delays. Incomplete forms can slow down claim processing.
Your Medical Practitioner must fill out Section 2 entirely; only they are qualified to provide the necessary medical information required for your claim.
Understand that insurance benefits are normally paid up to the date your Medical Practitioner has signed the form, not in advance, as future disability cannot be anticipated.
Be prepared for further information requests, either from you or your Medical Practitioner, or for an independent assessment by a specialist selected by Combined Insurance.
Submit the Claim Form and supporting documents within 30 days of the commencement of your disability to avoid prejudices in the claim's assessment.
Regarding the claims process, expect acknowledgment within 5 business days and a determination on your claim within 10 business days upon receipt of all necessary information.
You have the right to access information used in evaluating your claim and to request corrections of any inaccuracies.
If your claim is declined, Combined Insurance will provide clear reasons and guide you through the process of accessing their Complaints and Disputes Resolution process.
For additional assistance, contact Combined Insurance directly with any queries regarding the Claim Form or assessment process.

In adhering to these guidelines, you can ensure your claim is handled efficiently and fairly. Remember to provide detailed and accurate information throughout the form and maintain open communication with Combined Insurance for the best outcome of your claim process.

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