This could be sorted easily if APRA was to require all members wishing to make an insurance claim to have their claim initially assessed by their fund within a mandatory period, such as 90 days as is the case for a formal complaint. The fund would need to provide the member with clear, plain-English, reasons for any ongoing assessment requirement beyond that time that they can, if they wish, take to a lawyer who could then seek to impose themselves IF warranted. This would at least provide the 'no-brainer' cases with a timely and transparent resolution without unnecessary legal process and fees.