What we do

As South Africa’s leading Repudiated Claims experts we have successfully appealed many death, disability and severe illness (‘trauma’) claims repudiated by insurers.

Repudiated Claims specialises in assisting policy holders or deceased estates with insurance claims that have been repudiated or rejected by major insurance companies.

RC offers a suite of services aimed at assisting you with a free assessment of your policy, whether repudiated or rejected, and we bring our years of expertise and professional team to deliver the best possible outcome for you during your challenging time.

If your claim has been rejected or repudiated in the last 3 years, we may be able to help! Contact Us for immediate assistance.

If your claim has been rejected or repudiated in the last 3 years, we may be able to help! Contact Us for immediate assistance.

What we do

As South Africa’s leading Repudiated Claims experts we have successfully appealed many death, disability and severe illness (‘trauma’) claims repudiated by insurers.

Repudiated Claims specialises in assisting policy holders or deceased estates with insurance claims that have been repudiated or rejected by major insurance companies.

In layman’s terms a repudiated claim refers to a decision by insurers to :-

decline a claim on various grounds, including (but not limited to) that the policy has lapsed, or the that the contractual requirements for the insurer’s liability to pay the claim, have not been met.
declare the contract void (invalid) on various grounds, including (but not limited to) non-disclosure of facts material to the underwriter’s assessment of the risk at application stage, or alleged fraud.

Insurers can also make a mistake in the assessment and subsequent repudiation of a claim. In fact right can also be wrong. Whilst the decision by insurer’s to repudiate a claim in accordance with the provisions of the contract is often technically correct. That does not necessarily mean that their decision is fair and final, considering the circumstances of a particular case.

How it works

Talk To A Specialist

Minimum Claim Value
We will consider taking on your repudiated claim or combined repudiated claims with a minimum total value of no less than R200,000-00 (Two Hundred Thousand Rand).
What will it cost me?
To assess the merits of your repudiated claim, we charge a very small fee.
What happens then?
Once we have completed our assessment, and come to the conclusion that we have a reasonable chance of successfully appealing your repudiated claim, we will :-
- advise you of our conclusion;
- provide you or the Executor of the deceased estate with the opportunity to enter into a legal and binding agreement with us.
This to enable us to pursue the appeal on their behalf on a contingency fee basis.

What is "on a contingency fee basis"?
- A contingency fee basis is where you or the executor of the deceased estate agree to pay us a percentage of the amount(s) the insurer will pay if we successfully appeal your case.
- You don’t have to pay us or our team of experts any fees to take on, and fight, your appeal for you.
- We we will do this all on risk in exchange for an agreed percentage of the payment the insurer will pay to you, if we succeed.
Disclaimer
Our contingency fee agreement more than often covers everything, including our engagements with the insurer and, if necessary, with one or more of the relevant Ombudsman schemes.

In some cases it may not cover the cost of litigation should that become necessary. As such litigation would have to be negotiated with legal practitioners, some of who may be willing to take on your case on a contingency fee basis.

Should this be the case, you or the Executor of a deceased estate will then still have the discretion to proceed on this basis or not.

A win-win-win for everyone!

Experts in our field

Once a client signs up with Repudiated Claims we will assist with his whole portfolio. We specialise in the following claims, even when declined by the insurer or the Ombud :-

Life Insurance – Death cover and terminal illness claims
Disability Claims – Single amounts
Disability Income Benefit Claims ‐ Monthly payments
Critical Illness – Trauma claims and higher percentage payments
Business Expenses

Short Term Insurance Claims – All insurers, Commercial claims only
Pension Fund Adjudicator Claims
Income protection / Temporary or permanent
Business Interruption Insurance / Long or short term insurance

Don't take no for an answer before talking to us.

Why choose Repudiated Claims?

We have over 50 years collective trading experience.
We have facilitated our clients with 1000’s of policies and claims.
Our fees are reasonable and only payable once we win your case. “No win, No pay”.
We deal with all the “expert” witnesses where necessary, including doctors & specialists, attorneys, and counsel.
Remember you may qualify for a higher percentage payout or an additional payout under disability, impairment, or critical illness claims.
However, this requires the necessary skills and understanding of these insurance contracts, as well as the required medical evidence.

Some useful information

Your insurer must comply with their contractual commitments contained in your policy schedule. There are regulations contained in the policy that dictate how the insurer must conduct themselves. These are commonly known as the Treating Customers Fairly Principles.

The insurer must comply with the letter of the law, but always in the spirit of fairness and equity towards consumers.
The insurer must ‘evaluate and settle claims in a professional and timely fashion, and pay compensation to you as stipulated in the policy wording’.
The insurer must ‘notify you in writing of its decision to reject or partially reject your claim and offer an internal dispute resolution process should you wish to object to its decision’.
If your claim has been repudiated or rejected, you may want to refer it to the Ombudsman, and then your insurer is obliged to participate in the resolution process.