PayCover Claims

Through PayCover, you can make income protection claims directly through our team. In order for your claim to be processed, please kindly provide us with:

  • Proof to our satisfaction of any event or condition establishing your entitlement or any insured employees entitlement to benefits under the policy,
  • Please note that benefits are payable in accordance with the terms of the policy.

For your claim to be valid, you must notify us immediately in writing of:

  • The death of an insured employee,
  • Any sickness or injury suffered by any insured employee lasting more than 14 days or,

Any other circumstances which may lead to a claim under the policy.

You and the insured employee must comply with our claim requirements, which may include (but are not limited to):

  • Completed claims forms,
  • Medical evidence and reports from treating doctors (we are entitled to have the insured employee examined by a medical practitioner or other qualified person nominated by us at our expense),
  • PayCover employer statement,
  • A copy of your Job Description,
  • Information or records relating to the income, attendance, and duties of the insured employee,
  • Certified copy of the death certificate of the insured employee or spouse (if applicable),
  • You must authorise your workers compensation insurer to supply us with any information we require to determine any claim.