Income protection claims

You should first contact the person that set up the policy for you to establish that the benefit applies to your policy. This is either your Financial Advisor, one of our financial consultants or a Customer Services Representative. They will guide you through these steps:

Step 1: Send the following items to your Financial Advisor or direct to Zurich Life:

• Completed Claim Form - you, or the person making the claim, will need to complete the relevant form: Individual Permanent Health Insurance.
• Proof of earnings - please provide a letter from her employer confirming the annual income for 12 months prior to illness or injury plus four payslips from that12 months period. If self-employed, a Notice of Assessment from Revenue will be required.
• Employer letter (if applicable) – confirming date the Insured commenced sick leave
• Proof of age

• Option 1 – Current Passport
• Option 2 – Current Driving Licence
• Option 3 – Current National ID Card
• Option 4 – Birth Certificate (Provided it is in the name of the Insured as held by Zurich Life) 

Step 2: We will write to the Life insured's GP and Specialist Doctor(s) for medical reports for our Chief Medical Officer.

Step 3: We will send your Financial Advisor confirmation that we have received the claim form and written to these doctors.

Step 4: We may decide that an independent medical assessment is required in certain circumstances on receipt of the medical reports. If so, you will be advised immediately.

Step 5: On receipt of all our requirements your claim will be assessed and where the claim is admitted, payment shall be made via electronic transfer to the appropriate bank account.

 *The following individuals can certify documents; your Financial Advisor, Garda Síochána, Chartered Accountant, Public Notary or Solicitor. In addition to this, the person who certifies the document should print their name and provide a contact number so that verification of the certifier’s details may be made by Zurich Life if required.  Where available a stamp should be used by the certifier.