Phil Thompson

speaker

1,592 appearances 4 recordings 3 series first heard Apr 2026 last heard 25 Aug

Phil Thompson’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Aug 2026 with 1.

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Australian Finance Podcast · Insurance Q&A: exclusions, loadings, claims & the $1.4 million dispute · 9 Jul 2026 podcast

They're like 40.

No, Trent was like 22.

Oh, that's so good.

Getting insurance set up.

And then the cost of their cover from their bank account, the comment was, oh, that's just two cocktails a month.

22-year-olds making an assessment on cost is based on the amount of cocktails they can drink.

So, yeah, I was impressed with getting it sorted out so young.

I agree.

Okay.

So in terms of what they are, so an exclusion is an area of your health that they won't cover for if you need to claim.

So a good example is mental health.

So if you need to claim on income protection or disability for mental health,

then they won't pay out.

And that's if you have a pre-existing condition or symptoms or some, you don't need to be diagnosed, but you need to have symptoms of a mental health condition prior to that application.

Another example is you got sore back, you're going to physio quite a lot, and then you apply for cover, they'll put an exclusion on your back.

It can be lower back, it can be the full back, but they mean that if you claim on it, then we won't pay out on that.

If it continues to be a chronic injury, that means you can't work, they won't pay out.

So that's what an exclusion is.

A loading is typically when there's broader health impacts.

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