Critical Illness Lawyer

If a serious illness or injury is to arise, critical illness cover becomes critical — both to ensure the provision of the injured person as well as their dependents. If you’ve become critically ill, whether you’ve recently been diagnosed with a terminal illness, incurred a traumatic injury or similar, consider speaking to one of GMP Law’s personal injury lawyers.

We’re here to help ensure you receive maximal critical illness coverage as quickly as possible, providing not only income protection but also a potential lump sum payment that covers and compensates medical expenses, psychological damages and other costs and damages associated with your injury.

By choosing to be represented and guided by GMP Law, you’ll have a competent, compassionate and committed personal injury lawyer by your side. Reach out today to book a free, no-obligation consultation.

Book a consultation today.

Overview

What do you do when serious illness strikes?

If you’ve become seriously ill and are worried for the financial future of you and your loved ones, relief may be possible.

A critical illness insurance payout is meant to be there to help you through your darkest times. The type of compensation that you may be eligible for largely depends on your case. However, compensation generally comes in the form of both income protection, as well as the covering of illness-related costs — whether medical expenses, transportation costs or home modifications.

As a first step, reach out to our team at GMP Law to book a free consultation with a specialised personal injury lawyer. Come prepared to speak through the relevant case factors, such as whether you have a pre-existing condition, if your illness is a covered condition under any forms of insurance that you may have, and if you’re a part of any other general insurance plans.

Years Experience

Winning successful cases for our clients.

98%

SUCCESS RATE

Winning Illness Insurance Claims

35,000

CLAIMS WON

That translates to billions of dollars for our clients.

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What is critical illness insurance?

Critical illness insurance, also known as trauma insurance, pays out a lump sum to help people who are suffering from seriously life-altering or potentially life-ending illnesses or injuries. These insurance policies are typically paid over a long period of time and often packaged alongside policies like life cover and total and permanent disability insurance. Having one of these additional forms of insurance may reduce the cost of also buying critical illness insurance, according to the Australian Government’s Moneysmart programme.

Some of the most common uses of a critical insurance payout include:

Any medical costs not covered by typical health insurance.
Living expenses for you and your family.
Any changes to housing, including the potential costs of nursing care or hospice.
Paying back any debts that need to be settled before the end of life.

Process

When can you claim critical illness insurance?

In order to make a critical illness insurance claim, you must be paying into a critical illness insurance policy. The conditions that are covered by a critical illness insurance policy will vary depending on your insurance company. The specifics of what your policy does and does not cover will be laid in a document called a product disclosure statement.

While critical illness insurance cover may be sought through a standalone policy plan, many life insurance plans offer it as an option. Almost every policy will define “critical illness” to include major medical conditions like cancer, a heart attack or other serious heart condition, stroke or major head trauma. Some policies may cover only a very narrow list of conditions. These policies will typically not need to look at your medical history for you to be covered. To make a critical illness insurance claim, you must submit supporting medical documents from a doctor, as well as details about your work duties and the work that you have missed as a result of the injury.

If you feel that you are being wrongly denied a lump sum payment by your insurer or if you believe you’re owed more from your critical illness coverage, you’ll benefit from consulting an experienced legal professional for assistance and guidance on your next steps.

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GErard Malouf & Partners

Experienced solicitors and barristers

At Gerard Malouf & Partners, we are experienced at handling critical illness insurance payouts.

We recognise that our clients are dealing with a serious medical condition or that of a loved one, and we aim to reduce the stress of your claim. We take our cases on a “no win, no fee” basis, so you can feel secure coming to consult with us. This means that our competent legal advice and representation is made available irrespective of our client’s financial situation.

In one recent case, we were able to secure our client, a man dying of asbestos-related mesothelioma, a $440,000 settlement to care for his family. The man was exposed to a large amount of asbestos dust and fibre while building an extension on his home in the late 1970s.

Due to the rapid spread and deadly nature of mesothelioma, our client was initially given only three months to live from his diagnosis, our team knew they had to act fast to give our client peace of mind in his final days. We began legal proceedings in the Dust Diseases Tribunal of New South Wales against the asbestos manufacturer’s compensation fund for victims.

The case was eventually taken to mediation, where we secured the settlement amount. In addition to helping our client provide for his family into the future, we made sure the legal process was as comfortable for him as possible. This included filing a motion to have the court travel to his place of residence to take his evidence, rather than forcing him to travel while ill.