Critical illness lawyers
Critical illness claims: Your rights, our fight
At GMP Law, we understand that being diagnosed with a critical illness is devastating – emotionally, physically and financially. Our team of dedicated lawyers specialise in critical illness insurance claims, helping you navigate the complexities of insurance policies and claims processes.
We’re here to ensure you receive the financial support you’re entitled to, allowing you to focus on what matters most – your health and recovery.
Why Choose Gerard Malouf & Partners
Understanding critical illness claims
Critical illness insurance is designed to provide a lump sum payment if you’re diagnosed with a specific serious illness or condition covered by your policy. This financial support can be important to help you manage your medical expenses, cover lost income, or adapt your lifestyle to new circumstances.
Common types of critical illnesses covered by these policies include:
- Cancer
- Heart attack
- Stroke
- Kidney failure
- Major organ transplant
- Multiple sclerosis
- Parkinson’s disease
- Alzheimer’s disease
- Blindness
- Deafness
- Severe burns.
It’s important to note that the exact illnesses covered can vary between policies, and each illness may have specific definitions or severity criteria that must be met for a successful claim.
We're here to help.
When can you claim critical illness insurance?
You can claim on your critical illness insurance when:
- You’ve been diagnosed with an illness that’s covered by your policy
- The illness meets the severity criteria specified in your policy
- You’ve passed the waiting period (typically 14-30 days after diagnosis)
- You’ve provided all necessary medical evidence to support your claim.
Even if you’re uncertain, we encourage you to reach out as definitions and criteria can vary significantly between insurers and policies. Our free initial consultation means you have nothing to lose by exploring your options with an expert critical illness lawyer.
Factors affecting compensation
Many factors can influence the success and value of your critical illness claim, including:
- The specific illness and its severity
- The exact wording and definitions in your policy
- The comprehensiveness of your medical evidence
- The timing of your claim and adherence to policy deadlines
- Any pre-existing conditions or lifestyle factors that may affect your claim
- The sum insured as specified in your policy.
At GMP Law, we’re committed to helping you understand your rights and options. Our critical illness lawyers will work tirelessly to ensure you receive the maximum compensation you’re entitled to under the law.
No Win No Fee
Fee transparency that you can trust
At GMP Law, we’re committed to ensuring you have nothing to lose.
If we don’t win your case, you won’t pay a cent for our services. This means you can focus on healing without worrying about legal costs.
How it works
No upfront costs
No contingency fee
We’ll only charge you if we win.
We maintain integrity by carefully evaluating each case. If we believe it’s unlikely to result in compensation or if the costs outweigh the benefits, we won’t take it on.
This commitment to our client’s best interests, as well as fee transparency, sets us apart from other law firms.
With a 98% success rate and over $4 billion in settlements, we’re dedicated to delivering exceptional results for our clients.
Frequently asked questions about critical illness claims
What is critical illness insurance?
Critical illness insurance is a type of policy that pays out a tax-free lump sum if you’re diagnosed with a specific serious illness or condition listed in the policy. This is different from health insurance, which covers medical expenses, or income protection insurance, which provides ongoing payments if you’re unable to work.
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Key features of critical illness insurance include:
- Lump sum payment upon diagnosis of a covered illness
- Freedom to use the money as you can see fit (e.g. medical expenses, mortgage payments, lifestyle changes)
- Coverage for specific illnesses as defined in the policy
- Often available as a standalone policy or connected with life insurance.
What should I do when serious illness strikes?
When faced with a critical illness diagnosis, it’s important to take the following steps:
- Prioritise your health: Follow your doctor’s advice and focus on your treatment plan.
- Review your insurance policies: Check for any critical illness coverage you may have.
- Notify your insurer: Inform them of your diagnosis as soon as possible.
- Gather medical documentaiton: Collect all revelant medical rescords and test results.
- Seek legal advice: Consult with a specialist critical illness lawyer to understand your rights and options.
GMP Law offers free initial consultations to help individuals determine if they have a viable case. Our experienced lawyers can guide you through the complex process of evaluating your situation.
What if my claim is denied?
If your claim is denied, we can help you appeal the decisions. We’ll review the reasons for denial, gather additional evidence if needed, and challenge the insurer’s decision.
Can I claim for a recurrence of a previous illness?
Maybe – this depends on your policy terms. Some policies provide coverage for recurrences, while others may exclude them or have specific waiting periods.
Can I claim on multiple policies?
Yes, if you have multiple critical illness policies, you can typically claim on all of them for the same illness, provided you meet each policy’s criteria.
Understanding specific critical illnesses
Accessing the right information is crucial for navigating critical illness claims. Here’s how we approach common critical illnesses during the claims process.
Cancer
Not all cancers are treated equally in insurance policies. For example, some policies exclude certain types of skin cancers or early-stage cancers.
We’ve successfully argued for coverage in cases where the cancer’s severity was initially underestimated by the insurer.
Heart attack
Policies often require specific levels of cardiac enzyme elevation and ECG changes.
We work closely with medical experts to ensure all diagnostic criteria are properly documented and presented.
Multiple sclerosis
Diagnosis can be complex and occur over time.
We’ve helped client claim successfully even when initial symptoms were dismissed, by compiling comprehensive medical histories.
Kidney failure
Often requires dialysis or transplant.
We’ve secured payouts for clients in the early stages of kidney failure by demonstrating the inevitable progression of the disease.
Real cases, real results
The compensation claim process: Your journey with GMP Law
Initial consultation
Evidence gathering
Claim submission
Negotiation
Court representation
Ongoing support
Our promise to you
Why trust GMP Law with your critical illness claim?
At GMP Law, we handle your claim so you can concentrate on what matters most: your recovery.
We commit to
Clear, straightforward communication
Regular updates on your case as it progresses
A personal injury lawyer who understands your unique situation
Vigorous negotiation to maximise your compensation
Empathetic support throughout your journey
Specialised knowledge
Our accredited personal injury lawyers have years of experience in accident injury claims, giving us deep insight into the nuances of these claims.
Proven track record
Difficult case policy
Australia-wide assistance
With lawyers across the country, we’re here to help, wherever you are.
Meet the insurance claims team
Meet some of the diverse and dynamic compensation lawyers who support our clients with their claims.
We're here to help maximise your compensation
Book your free, confidential consultation with one of our critical illness claims lawyers using the form below, or simply call us 1800 004 878.
