Wiki

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• Abacus Insurance Limited Life insurer Writer
• Abilify (aripiprazole) Clinical atlas — medicine aripiprazole · Antipsychotic
• ABSA Insurance & Financial Advisers (Pty) Ltd Life insurer Writer
• ABSA Life Limited Life insurer Bank-distributed life and IP.
• ABSTUDY Social Security Compass Study assistance for Aboriginal and Torres Strait Islander students and apprentices. Living Allowance rates follow age, independence, and whether you have children. Extra incidentals, school fees and relocation amounts may apply.
• Access-request assistant Module Draft employer/insurer letters
• Acsis Limited Life insurer Writer
• Actively at Work Needs definition Referenced on the site but not yet given its own library article.
• Activities of daily living Needs definition Referenced on the site but not yet given its own library article.
• Activities of daily living (ADL) Language map Basic self-care and home tasks — dressing, bathing, cooking, mobility.
• Acute stress reaction Clinical atlas — condition F43.0 · Mental health
• Addison disease Clinical atlas — condition E27.1 · Metabolic
• Adjustment disorder with anxiety Clinical atlas — condition F43.22 · Mental health
• Adjustment disorder with depressed mood Clinical atlas — condition F43.21 · Mental health
• AFCA Approach — ICA s 47 — Section 47: awareness of a pre-existing condition, not the diagnosis label Ombud precedent If, before the contract, the consumer was not aware of the condition and a reasonable person in those circumstances could not be expected to have been aware of it, s 47 stops the exclusion. Awareness sits between a stray symptom and a stamped diagnosis: consultations, investigations, and contemporaneous GP notes carry the weight. Later recollection that ‘it was nothing’ is often discounted. Awareness of the condition at any time before entry defeats s 47, even if the person reasonably believed they no longer had it.
• AFCA Approach — life insurance non-disclosure — Non-disclosure remedies are not a substitute pre-existing clause Ombud precedent A s 29(6) variation must put the insurer in the position a reasonable and prudent insurer would have been in at entry. AFCA may narrow or strip a retrospective exclusion that other prudent insurers would not have applied. Declining the claim and varying the contract are two decisions; each needs its own proof. An exclusion that does not cover the claimed condition does not save a bad variation.
• AFCA dispute process Dispute hub Australian Financial Complaints Authority — IDR then AFCA for life insurance and insurance in super.
• AFCA published IP determinations — Total and partial are separate benefits — AFCA applies the PDS as written Ombud precedent AFCA does not grade medical severity as ‘total’ or ‘partial’. It asks which definition the person met in each month: hours actually worked, important income-producing duties, and earnings against pre-disability income. Working more than the hours threshold usually takes the file out of total and into partial — if the earnings drop and duty test are also met. Not working, but still able to do the important duties, fails total. A graded return is often residual, not recovery and not a failed total claim. Where the PDS deems a ≤10-hour week to be a 100% loss, AFCA applies that deeming.
• Affinity Life Limited Life insurer Writer
• Age Pension Social Security Compass Means-tested pension for people who have reached Age Pension age. Maximum rate includes Pension Supplement and Energy Supplement.
• Agoraphobia Clinical atlas — condition F40.0 · Mental health
• AIA Australia Life insurer Large retail and group IP / TPD writer. Holds some CommInsure legacy books.
• AIG Life South Africa Limited Life insurer Writer
• Alcohol use disorder Clinical atlas — condition F10.20 · Substance
• Alexander Forbes Investments Limited Life insurer Writer
• Alexander Forbes Life Limited Life insurer Writer
• Allan Gray Life Limited Life insurer Linked-investment life company.
• Allianz Australia Life Life insurer Retail life alongside general insurance.
• Amitriptyline Clinical atlas — medicine amitriptyline · Tricyclic antidepressant
• Amlodipine Clinical atlas — medicine amlodipine · Antihypertensive
• AMP Life Life insurer In-force book with Resolution Life Australasia.
• Anaemia, unspecified Clinical atlas — condition D64.9 · Haematology
• Ankylosing spondylitis Clinical atlas — condition M45 · Pain & MSK
• Antabuse (disulfiram) Clinical atlas — medicine disulfiram · Substance use
• Appeal-story trap Policy trap Internal review and ombud processes reward issue-by-issue responses — policy clause, insurer fact, your evidence, cure action, remedy sought. Unstructured anger or long personal essays rarely shift technical declinatures.
• Arcoxia (etoricoxib) Clinical atlas — medicine etoricoxib · NSAID
• Aspirin Clinical atlas — medicine aspirin · Antiplatelet
• Assessment Claim workflow Insurer applies the policy test to the file they hold.
• Assupol Life Limited Life insurer Retail life, often entry-level and group.
• Asteron Life Life insurer Suncorp life brand; in-force book with TAL.
• Asthma Clinical atlas — condition J45.9 · Respiratory
• Ativan (lorazepam) Clinical atlas — medicine lorazepam · Benzodiazepine
• Atorvastatin Clinical atlas — medicine atorvastatin · Statin
• Atrial fibrillation Clinical atlas — condition I48.9 · Cardiovascular
• Attenta (methylphenidate) Clinical atlas — medicine methylphenidate · ADHD
• Attention-deficit hyperactivity disorder (ADHD) Clinical atlas — condition F90.9 · Mental health
• Australia — PDS exclusion, s 47 awareness, and disclosure Ombud guidance Three different tools: the PDS pre-existing wording, Insurance Contracts Act s 47 (awareness), and non-disclosure / misrepresentation remedies.
• Australia — total vs partial as two PDS benefits Ombud guidance AFCA applies hours, important duties, and the residual formula in the PDS. Medical severity is not the scale.
• Australian Unity Life Life insurer Friendly-society / advice retail life.
• Austudy Social Security Compass Income support for eligible students and Australian Apprentices aged 25 or over. Rate depends on whether you have dependent children and on long-term income-support status.
• Autism spectrum disorder Clinical atlas — condition F84.0 · Mental health
• AVBOB Mutual Assurance Society Life insurer Mutual; funeral and life.