My name is ***** ***** I am a NSW Solicitor. Thank you for your question, and will do my best to assist you with your question. Please understand this is not legal advise Please understand this is not legal advise but a guide to assist you.
You need a Solicitor that deals with insurance law.
You have to look at the Product Disclosure Statement and see what that says. It is the key on what you are covered and when you are covered.
TPD should not be biased on when you are in hospital or not but your injuries on whether they are permanent or not.
The PDS is what you have to look at.
Contact the law institute of victoria and they can refer you to a solicitor.
Their website is as follows
I hope this makes sense and is of assistance. If there is nothing further
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