APRA’s data shows Individual-Advised Death cover had a claims admittance rate of 97% (91% for Individual Non-Advised) with TPD sitting at 81% for advised claims (71% non-advised) while Trauma cover was 88% for advised compared with 84% for non-advised. Similarly DII sat at 94% advised and 85% non-advised.<\/p>\n APRA notes the claims paid ratio refers to the dollar amount of claims paid out in the reporting period as a percentage of the annual premiums receivable in the same period. As DII has recurring monthly payments; for the purposes of the claims paid ratio, total payments are approximated using an average 24-month payout period.<\/p>\n The data here shows that the claims paid ratio was slightly higher under Individual-Advised for Death, TPD, and Trauma although that was markedly different for DII covers. For most cover types Individual-Advised covers saw fewer disputes lodged than for Individual Non-Advised covers, except for Trauma covers where the dispute lodgement ratio was 60 per 100,000 lives insured under Individual-Advised, compared with 33 for Individual Non-Advised.<\/p>\n The claims admittance rates for Individual-Advised Death, TPD, Trauma and DII insurance are in some instances markedly higher than the claims admittance rates for Individual Non-Advised claims, the latest data from APRA shows. The authority has released its Life Insurance Claims and Disputes Statistics publication, covering a rolling 12-month period from 1 July 2025 to […]<\/p>\n","protected":false},"author":24,"featured_media":84390,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8294,4],"tags":[],"class_list":["post-84382","post","type-post","status-publish","format-standard","has-post-thumbnail","category-claims","category-products"],"_links":{"self":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/84382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/comments?post=84382"}],"version-history":[{"count":5,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/84382\/revisions"}],"predecessor-version":[{"id":84398,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/84382\/revisions\/84398"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media\/84390"}],"wp:attachment":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media?parent=84382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/categories?post=84382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/tags?post=84382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/riskinfo.com.au\/news\/files\/2026\/10\/claims-admittance-rate.png\")
<\/a>![\"\"](\"https:\/\/riskinfo.com.au\/news\/files\/2026\/10\/claims-paid-ratio.png\")
<\/a>The statistics also include a dispute lodgement ratio, which APRA says is the number of disputes lodged during the reporting period per 100,000 lives insured.<\/p>\n![\"\"](\"https:\/\/riskinfo.com.au\/news\/files\/2026\/10\/dispute-lodgement-ratio-e1792469488930.png\")
<\/a>As to dispute outcomes by cover type, the APRA data shows disputes across Death, TPD, Trauma and DII all saw more than 80% resolved. The table below combines all distribution channels.<\/p>\n![\"\"](\"https:\/\/riskinfo.com.au\/news\/files\/2026\/10\/dispute-outcomes-e1792469540446.png\")
<\/a>Also see: Advised Life Insurance Disputes on the Rise.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"