My Claims:

If you need to make a claim, please notify us as quickly as possible.

Call us at 1300 300 480 Monday to Friday between 8:30am – 5:00pm AEST and AEDT. We can provide assistance over the phone and post out anything you may require to help action your claim.

Need to complete a claim form?
Simply click on the form you need below and follow the instructions shown on the form:

Claim Form


IMPORTANT: Once downloaded, the relevant form should be completed in full by you and your doctor, signed by both, and posted to:

Combined Insurance
PO Box 403
North Sydney
NSW 2059

Please read the instructions on the claim form carefully before completing it. On receipt of the completed form, we will review and assess your claim and policy coverage. If we require any further information, we will contact you.

    easy to contact us

Combined Insurance is conducting a review

Combined Insurance is undertaking a remediation program for customers who consider that they have been the subject of previous improper conduct by a limited number of our insurance salesforce.


This remediation program is part of our agreement with the Australian Securities & Investments Commission (ASIC), Australia’s insurance regulator, to address concerns about the improper conduct of a limited number of our insurance salesforce (our representatives) in relation to Combined Insurance policies sold after 1 January 2012.


Want to know more?

You can call us on 1300 787 384 or email us at


If you would like to review the Terms of Reference that have been developed to support the remediation program please click on this link.

Combined Insurance Financial Hardship Policy

If you require support with any of our insurance products, claims or services, we are here to assist.

Financial hardship

We are committed to supporting customers facing financial hardship. Our Financial Hardship Policy can help you access support and services at your time of need.

How can we help?

Fast tracking your claim

If you are able to demonstrate that you are in urgent need of benefits you are entitled to under a Combined Insurance policy as a result of an event causing a claim, we will look to fast track the assessment of your claim.

In some situations we may make an advance payment on the claim to assist you.

If you unable to pay us money owed to us due to financial hardship

We may in certain circumstances and subject to you demonstrating financial hardship to us:

·         deduct an excess from a claim amount

·         delay or extend payment terms

·         offer you instalment payments

·         put the recovery of monies on hold

·         release your debt (where appropriate)

·         agree with you to pay a reduced lump sum amount

Importantly, our financial hardship assistance does not apply to the payment of premiums under a Combined Insurance policy. 

Managing our debt collectors

Combined Insurance agents such as collection agents or solicitors have been trained to manage financial hardship. If you advise our agents that you’re experiencing financial hardship, they must notify us and will give you information in writing about our financial hardship process. You can always contact us at:

Combined Insurance Customer Service
O: 1300 300 480
F: 02 9922 2096

How to apply for financial hardship support

If you are going through financial hardship, please contact us as soon as possible. We can discuss your situation and provide you with our hardship form to apply for support and assist you with the application process. Alternatively our hardship form is available by clicking here.

You may also wish to consider contacting the National Debt Helpline on 1800 007 007 which is a free and confidential financial counselling resource that can provide advice to Australians in every state and territory:

If you are not satisfied with any decision we make, you can access the Combined insurance complaint and dispute resolution process at:

Combined Insurance is a division of Chubb Insurance Australia Limited. Chubb Insurance Australia Limited ABN 23 001 642 020 | AFSL Number 239687.