Before you notify a claim or an event which could lead to a claim please:
a) Check your schedule to ensure you have purchased the appropriate Policy and
b) Check the cover and exclusions to ensure that you are entitled to claim.
Please also:

1. Notice of claim:
Notice must be given to us as soon as reasonably practicable of any injury or illness which
causes or may cause a claim within the meaning of this policy, and the insured person must
as early as possible seek the attention of a medical practitioner.
Notice must be given to us as soon as reasonably practicable in the event of the death of
the insured person resulting or alleged to result from an injury.

2. Claims Procedure:

a) Written notice must be given to:
Aspect Underwriting Claims Centre
PO Box 14
Brisbane, QLD 4556
Telephone: +61 7 3005 1981
Email:  ahclaims@gbtpa.com.au
or such other address as we may advise YOU in writing.
b) All certificates and evidence (subject to clause c) below) required by us shall be furnished
as required at the insured person’s expense as often as is reasonably required. For all
claims relating to stress/depression, the insured person will be required to provide such
certificates and evidence from a legally qualified Psychiatrist / Psychologist for that
c) In order to assess a claim an insured person shall submit to a medical examination:
i. If outside Australia – the insured person’s may be required to return to Australia at their
expense. Once having returned to Australia, the medical examination will be
at our expense as often as is required.
ii. If in Australia – at our expense as often as is required
iii. If an insured person fails to attend a medical examination;


3. Proof of Claim

Written Proof of Claim must be furnished to us within ninety (90) days after the date of
the injury/illness. Failure to furnish such proof within the time required shall not invalidate
nor reduce any claim if it was not reasonably possible to do so, provided that the proof is
furnished as soon as is reasonably possible and in no event except in the absence of
legal capacity, later than 24 calendar months from the time it would normally be

4. Report of Claim

We will, upon receipt of a notice of claim, furnish such forms as are usually required by us for
filing Proof of Claim.

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