Medical, health or life insurance claims can be unfairly denied and when this happens, it’s easy for the client to feel disillusioned and powerless to stand up against the insurer.
Shine Lawyers are experts when it comes to bringing health and life insurance companies to justice for wrongly denying claims. We have experience in getting clients the result they are looking for throughout New Zealand and the South Pacific. We go above and beyond in what we do and are not afraid to take on the big health and life insurance companies.
The terms of these policies, especially how they define “Total Disability” or Partial Disability” are carefully crafted by the insurance companies to give them significant decision making ability, and to make it very difficult to challenge a decision once it has been made.
It may sound outrageous, but many policies essentially say that you are only disabled if the insurance company forms the opinion that you are disabled. This can result in the insurance company playing judge and jury in their own claims. However there are significant controls imposed by the courts to protect against unreasonable actions by insurance companies.
What this means is that it can be very wise to seek advice before you submit a claim. We have the clout and the experience to take on the big insurance companies throughout New Zealand and the South Pacific, helping you get the compensation you need.
What’s more, as part of the Shine group of lawyers, we have the backing and expertise of teams of experts in our Australian offices who have taken hundreds of these cases. We give the little person the power and resources to take on these cases.
What is the legal process for Health and Life Insurance claims?
Shine Lawyers work closely with our clients to explain the legal process and help you to clearly understand your rights. While no two claims are the same, a general outline of the legal process is provided below.
We are here to help you right wrong.