How to make a claim

Call MLC Life Insurance Claims on 1300 411 535

It’s easy to make a claim – call 1300 411 535, fill out the form and submit your claim. After your claim’s assessed, you’ll be advised of the outcome as soon as possible.

A snapshot of this policy

A lump sum payment if you suffer from one of these defined critical conditions:

  • Cancer - excluding specified early stage cancers
  • Coronary artery bypass surgery
  • Heart attack - with evidence of severe heart muscle damage
  • Major head trauma
  • Severe burns
  • Stroke - in the brain and of specified severity.

You can apply for cover between $20,000 and $500,000 to help you financially while recovering.

Along with this, you’ll also get access to Best Doctors, a service which connects you with a network of over 50,000 leading medical specialists from around the world. It offers a second opinion when you need it most, helping you get the right diagnosis and treatment plan.

This snapshot is a guide only. Make sure you read the NAB Essentials Product Disclosure Statement (PDF, 388KB) for details of exclusions, limitations, eligibility, fees and charges and how benefits are calculated and paid. Please also read the NAB Financial Services Guide.

Frequently asked questions

How can I get more information?

Call 1300 133 252, 8:30am - 6pm Mon-Fri (AEST/AEDT).

How much does it cost?

Your premium is calculated based on your gender, smoking status, age and the amount of insurance you choose.

What are the payment options?

You can pay monthly or fortnightly by credit card or direct debit.

What do I do if I want to change my level of cover?

If you want to change your cover all you need to do is call 1300 411 535 between 8:30am - 6pm, Mon-Fri (AEST/AEDT).

I'm having trouble with my premium payment. What do I do?

If you're experiencing trouble with your premiums - for example, if you’ve missed one - please call us on 1300 411 535 between 8:30am - 6pm, Mon-Fri (AEST/AEDT) and we'll work something out.

What is a pre-existing condition?

For NAB Essential Critical Illness means any illness or injury that first occurred, appeared or is diagnosed before the start, increase (for the increased amount) or reinstatement of your policy, or for which you have experienced symptoms or received medical treatment leading to a diagnosis after the start of your policy, increase or reinstatement and while this cover is in force. This doesn’t include any illness or injury you weren’t aware of, or couldn’t have been reasonably expected to be aware of, or a condition which we asked you about at the time you applied for, increased or reinstated the insurance and, after a full and accurate response, we issued the policy or the increase, or reinstated your policy.

Who do I contact if I have a complaint?

We're always trying to improve our customers' experience, but we know things don't always go the way they should. See how you can raise an issue with us, how it will be resolved and what to do if you're still not satisfied.

Travel insurance

This product is no longer available for sale. Learn more about the help you can receive with your existing policy.

Car insurance

Don’t be caught without car insurance. With NAB Car Insurance cover choice, you can select a level of cover you’re comfortable with that fits your budget.

Home and contents insurance

Helps with repayments if you or any additional cardholders lose their job, become ill or disabled and can't work, or pass away.

Discover more

Life Insurance: the basics and things to consider

We understand that it’s not the cheeriest topic, but life insurance is a key part of having a good financial plan. It means that if you or your partner die or become seriously ill, you might be able to help your family financially.

Estate planning: why it's important to have a will

Exploring the importance of having a will and how it involves.

Five practical ways to beat financial hardship

Steps you can take to get on top of things – and take charge.

Important Information

  • MLC Limited (MLCL) ABN 90 000 000 402, AFSL 230694 is the insurer and issuer of this insurance which has been branded and distributed by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).
  • This insurance is not a deposit with, a liability of, or guaranteed by NAB. MLC Limited uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and not a part of the NAB Group of Companies. MLC Limited may pay benefits to NAB and its related bodies corporate for the distribution of this product.
  • Any financial advice is general only and has not been prepared having regard to your personal circumstances. You should consider your personal circumstances before acting on any advice. You should consider the NAB Essentials Product Disclosure Statement (PDF, 388KB) or call 1300 133 252 before deciding whether to continue to hold the product. If you’d like more comprehensive and individually tailored insurance, speak to a financial adviser on 1300 558 863.
  • Your access to the Best Doctors service is arranged by MLC Limited. For terms and conditions that apply to the service go to

Target Market Determinations for these products are available at