“As a family we have always tried to put necessary safety nets in place to ensure that in the event of illness or death our children will continue to be looked after, especially because we have lived and worked in a few different countries. At the same time we always felt sure that by focusing on our careers our future will be secure through the hard work and rewards that went with it.
However, disaster struck in 2013, 3 years after we relocated to Australia. My wife, who was the primary breadwinner in the family became ill and was unable to work due to severe depression and anxiety. After 3 weeks in hospital, it became clear that her return to work was unlikely in the short to medium term. This is where Diamond Blue Financial Services stepped in. Because of their advice in the past, my wife had cover for Income Protection, TPD, Trauma and Life. Being our first ever claim we were not sure what we could claim or that we even could make a claim at all. DBFS guided us through the entire process and within weeks, the Income Protection part of our cover kicked in. Their support during such a difficult time was incredible and helped us get through what was to become the most difficult time in our lives.
In 2014 (a year after first becoming ill, my wife was diagnosed with Cancer). Needless to say this was a huge blow. Again DBFS stepped in and held our hands through the Trauma claim, which was processed within a few weeks of the diagnosis. Without this safety net, we could not have survived financially because by that time I had to stay home to care for my wife and the family.
We are currently in the process of a TPD claim as my wife is unable to return to work. The customer service from DBFS through this is outstanding. Our questions are dealt with immediately and they help us navigate through the complexity of the claim process. They have also provided advice and support regarding our long term financial plans as well as our estate planning and Will (through a legal partner).
As great as the service from DBFS was, we have had a few painful lessons regarding our experiences with insurance. We had always mainly focused on life cover, as we never really imagined a scenario where both of us would be unable to work due to serious illness. If we could redo our cover, we would increase the Trauma and TPD components of the cover as this would have created a much safer option for us, given that we have no support structure in the Country.
We thank God for the support DBFS has given us through our crisis. Their integrity and honesty has helped us feel that they were always watching out for our best interests and we cannot imagine what we would have done without them. It is still difficult to believe that we are in this situation at all, but we are grateful that with the help of DBFS, we will be able to survive this crisis.”