What is a significant injury
I had Real Insurance Income Protection Cover for 3 years, Policy sold to me over the phone, (probably from a Call Centre outside Australia - the deductions commenced immediately. Eventually a copy was posted to me - English is my Second Language so i did not read the fine print on the second page of the Policy. I Assumed from what the sales person said and from the Policy I was was completely covered for Income Protection. . After having the Policy for 3 years I was the victim of an assault. My right leg was amputated / removed from just below...the hip by the surgeon; if not amputated I was told I would die within 6 months. So i am now one-legged.. I was at qualified Chef... After recovery from surgery I lodged a Claim against my Income Protection Insurance with Real Insurance. .They denied the claim stating it was not a significant injury... on Page 2 half way down the Page it states a 'Significant injury requires two limbs... One Complete Leg Cut Off is not enough; claim denied. Are they for real???
They take your money but wont pay out!
Husband had injury at work. Unable to work due to chronic pain. Applied to Real Insurance once workcover payments stopped. Real insurance wont pay out bill cover as there is apparently evidence of pre-existing injury from 5 years ago that hasnt caused any ongoing problems.
Congratulations Real. Youve left our family in the gutters!
Questions & Answers
Starting a gardening franchise, one of the requirements is income, injury and illness insurance. I am not sure of my annual income as I have not started work yet.
Thank you for reaching out. We are not currently providing Income Protection at this time, however, you can view our current products at https://www.realinsurance.com.au/
Thieving @$#kers. Low life scum . Cold called a long time ago, answered inane questions but never signed up or gave bank details etc,then just recently they send me a letter congratulating me on my anniversary with them AND , FKN AND( and now I'm gettn cranky) took $220 odd bucks out o my account. Best I block these Cunning Uncultured Ninetys Types from my accounts and contact the authorities. Does anyone know where their head office is?
Hi Iain, if you would like to discuss this further with a Service Manager please provide us with your contact details via private message and we will arrange for a Manager to be in touch directly. Thank you.
i have take out real insurance for funerals me and my husband my husband was against it as he said it was wast of money haven't heard any reports good or bad have been pay money for six years
hi Ayveril,Taking out funeral insurance is a very personal choice.for my wife and i ,it is an expense we can do without at the moment.
With regards to taking out your policy with real insurance-i say don't.they are shifty.they lied to us and ripped us of to the tune of $4000.00.
you would be well advised to take out your policy with a large and well known insurance company and one that is reputable.gp.
It depends on how old you are. Work out how much you pay per year and multiply that by how many years you might live. It could work out to cost more than the funeral itself would cost. You could just put that money away each month into an account you don't touch so that it is there when you need it. If you have a mortgage offset account you could put in there to save interest on your home loan.
Funeral insurance is a total rip off. Better to go with a pre-paid funeral plan with the funeral company, where you can know it is paid for and that your family won't have to be jumping through hoops to get financial assistance when you die. The small print on funeral insurance is breathtakingly confusing - and deliberately so. You must remember that the whole purpose of insurance companies is to NOT pay claims, and they will go to whatever lengths to make sure you have either 'breached' the conditions and voided the payout, or they make it so hard you just give up and go away. It's reprehensible how they treat grieving people who are already under a lot of strain, and if my husband hadn't been so persistent - and ANGRY - I'm sure we would never have seen the money for his father's funeral.
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