Make a Waiver of Premium claim

To be eligible to make a claim you must be in a paid job at the point you became incapacitated.

We’ll generally need to obtain medical information to support your claim from your GP, consultant or treating medical professional(s) and we’ll ask for your consent to do this.

To help gets things moving please send us copies of any medical reports, diagnostic test results, along with in or out-patient assessments etc. The quicker we can get this information, the faster we can assess your claim.

We’ll generally ask for your consent to obtain medical information from your GP or treating consultant and we’ll use this information to assess your claim.

After we’ve received these medical reports we may ask you to have an independent medical examination.

An independent examiner can help us reach a fair decision for your claim and may also be able to suggest further investigations or treatment that could ease your symptoms or speed up your recovery.

If this is necessary we’ll supply the independent examiner with copies of any medical reports we’ve received from your doctor or hospital consultant, or both, so the examiner has details of your medical history before conducting the examination.

It may be appropriate to supply your doctor, or any other insurance company who are also considering a claim for you, with a copy of the examiner’s report.

We’ll meet the cost of obtaining any medical reports or independent medical assessments required to assess your claim.

It may be necessary for us to contact your employer, the Department for Work and Pensions, or any other insurance company that you have made a claim with. This ensures we have a more complete picture in order to fully and accurately assess your claim.

We may also ask your employer for any other information that is relevant to assess your claim, for example your job description.

You’ll need to tell us immediately if you return to any sort of work on either a full or part time basis.

This ensures we can start collecting premiums from your bank account again and ensures you don’t lose the financial protection provided by your policy.

Timescales can vary, especially if we’re dependent on 3rd parties such as your GP or medical professional for information needed to assess your claim.

The more information we have upfront, the faster we can assess your claim, so making sure you provide as much detail as early on as possible, the better. If we accept your claim, we will waive your premiums in line with your policy terms & conditions.

No, you’ll need to maintain your regular premiums as normal, pending our confirming your claim has been successful. Once that happens we’ll let you know and explain what happens next.

After agreeing the claim, we will pay the premiums for your policy for as long as you remain incapacitated, as defined in your policy terms and conditions. We will regularly review your claim to ensure that you meet the relevant requirements.

We won’t pay your premiums after the waiver of premium benefit on the policy ends. This may be before your actual policy ends.

If evidence shows that you are no longer incapacitated then we will stop paying the premiums. The benefit may also stop if your circumstances change, for example if the nature of your incapacity changes and we exclude it under the benefit.

Coming to terms with a diagnosis can be difficult for you and your family. If you need emotional support or you’re experiencing financial difficulty as a result of your diagnosis, there are a range of support mechanisms available, including access to Zurich Support Services.

It’s free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.

This service is provided free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.

• Zurich Support Services leaflet (582.6 KB/PDF)

If your policy begins PR you can write to us at: Zurich Assurance, Protection Operations, PO Box 4157, Swindon, SN4 4QB.

If your policy doesn't begin PR, please use this address instead to make sure we get your correspondence to the right place, first time. Zurich Assurance - InForce Claims, Unity Place, 1 Carfax Close, Swindon, SN1 1AP.

We’re committed to providing you with the highest possible level of service. If you feel we've not delivered this, let us know so we can act quickly to put things right. To do this, please complete our online complaint form. If the policy number starts with 'PR' please use the life protection online complaint form.

If you need any further help please visit:

• Life insurance, pensions and investments complaints page