Claiming With BPE Just Got Better

How do claims criteria work?

Claims criteria are the rules under which you can submit your claim for assessment. We believe that the best way to assess the majority of standard disability claims is under our Occupational Disability definition as it allows us to pay out a broad spectrum of claim events. This means we assess your ability to perform your stated duties and pay accordingly. If you have a partial claim, the pay-out will be determined on a ‘percentage of disability’ basis, determining the percentage of your occupation you are unable to perform and paying accordingly.

With BPE, because we understand that there might be instances where other assessment methods are quicker or less subjective, we’ve introduced additional claims criteria to ensure you will receive the highest possible pay-out for your claim as quickly as possible. They include:

• Guaranteed minimum payment for specific conditions: Claims admitted under the Guaranteed Minimum Period (covering temporary specific fractures and conditions for a minimum payment period) or Guaranteed Sickness Payment (covering specified minor infections) will receive a swift, guaranteed payment without undergoing any further claims processes. These apply to temporary disability benefits only.
• Loss of Income underpin: The degree of disability is based on loss of income, determining the percentage of the cover amount to be paid. Claims can be assessed on this basis at any stage during the claim or within 30 days of the claim closing.
• Functional Impairment underpin: Specifies an objective medical severity and pay-out percentage for listed conditions. This underpin does not require proof of loss of income.

Get the claims criteria booster today!

As a current BPE policyholder, your claims will be assessed under our Occupational Disability definition. If you upgrade your BPE policy with our claims criteria booster, you will be able to choose under which criteria to submit your claim. If you have a BPE policy, simply contact your Financial Adviser for further information on the upgrade process.

Have another FMI product or any questions?

Please contact your Financial Adviser or our Client Services team on 0860 010 1119 or [email protected]

Need to claim?

With a claims pay-out ratio of 96% in 2012, we are extremely proud to be able to offer our client claim certainty. If you need to claim, it is important that you follow the correct claims procedure and supply our Claims Department with the correct documentation. To learn more about our claims process, visit our website or contact our Claims Department on 086 010 1119 or [email protected]