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Making A Claim

Life & Health Insurance Claim
 
Claim Service Centre         Filing Claim on : Life & Health Motor General
:: Service Code   :: Service Quality   :: Practice   :: Forms   :: Stories   :: Summary

  1. Death Claim

    Documents required:

    1. Death Claim Form (to be completed by next-of-kin)
    2. Death Certificate
    3. Burial Certificate, and ICA (Immigration and Checkpoints Authority) Acknowledgement Letter on update of death status (where death had occurred overseas)
    4. Proof of Claimant's relationship with Deceased (spouse, child, parent, sibling) such as copy of Marriage/Birth certificates and Identity Cards
    5. Newspaper Cutting and Police Report (if death was due to accidental or violent causes)
    6. Copy of Will, if applicable

  2. Total & Permanent Disability Claim/Permanent Incapacity (PI) Claim (DPS Policy)

    Documents required:

    1. Medical/Accident/Living/Total & Permanent Disability Claim Form
    2. Attending Physician's statement (APS)
    3. Medical reports/ Laboratory reports/ Hospital Discharge Summary
    4. Termination letter from last employer OR CPF Statement showing last employment contribution (for DPS policy only)
    5. CPF Contribution Statement for the past 15 months (for DPS policy only)

      Please note that (a) & (b) must be completed by the claimant.

  3. Dread Disease (Living) Claim

    Documents required:

    1. Medical/Accident/Living/Total & Permanent Disability Claim Form
    2. Attending Physician's Statement (APS)
    3. Medical reports/ Lab reports/ Hospital Discharge Summary if any

      Do note that (a) & (b) must be completed by the claimant.
      Please also use the specific APS form if claimant is claiming under the following medical conditions: Cancer, Heart Attack, Kidney Failure, Stroke, Coronary artery By-pass Surgery.

  4. Student Protection (Student Sports Injury)/Junior Protection Claim

    Documents required:

    1. Student Protection/Student Sports Injury Plan Claim Form
    2. Police report where relevant
    3. Death claim:
      - death certificate, autopsy report, coroner's findings, birth certificate
    4. Permanent disability claim:
      - medical report
    5. Medical expenses claim:
      - Original medical bills & receipts
    6. If these have been given to another insurer/employer, please provide:
      - photocopy of the bills
      - reimbursement letter/discharge voucher from the
      - insurer/employer indicating the amount paid by them

  5. Surrenders of Policies

    For surrenders done at Branches or Main Office, please bring:

    1. NRIC/Passport for identification
    2. Name of Bank/Branch/Bank account number for GIRO credit

      You will be required to sign on a form indicating that you have understood the alternative options and disadvantages of surrendering your policy. This form helps you to make a more informed decision before terminating your policy.

      For traditional policies, the form is: What you should know about Early Surrender of your Insurance Policy
      For unit linked policies, the form is: Early Full/Partial Withdrawal of your ILPs.

      If you are surrendering a traditional life policy, you will also be required to sign on a Surrender Discharge Voucher indicating the cash value of your policy.

  6. Maturity Claims

    You will be informed (by mail) of the estimated gross maturity value about 3 weeks before the maturity date. The maturity value shall be paid on or before the maturity date.

  7. Instalment Payments (Anticipation Policy)

    You will be informed about 3 weeks before the instalment due date and given an option to take out the instalment amount or to deposit it with Income at the prevailing interest rate. The instalment shall be paid on or before the instalment due date.

  8. Medical/Personal Accident Claim

    This claim may be made for the following plans:

    1. Incomeshield (Integrated *)
    2. Incomeshield (non-Integrated *)
    3. Family Plus
    4. Annuity Hospital & Surgical
    5. Managed Healthcare System
    6. i-Medicare
    7. Group Hospital & Surgical
    8. Hospital Benefit (rider)
    9. Accident Benefit (rider)
    10. * Integrated Incomeshield refers to a Medisave approved medical plan which premiums are paid for using Medisave (fully or partially) and non-integrated Incomeshield refers to policies which premiums are paid using cash.

      Documents required for b to i:

      • Medical/Accident/Living/Total & Permanent Disability Claim Form
      • Hospital discharge summary/Medical reports (if any)
      • For claims under b, c, d, e, f and g, please submit a copy of the final hospital/medical bills.
      • If there is previous reimbursement from another insurer/employer, please provide a copy of the reimbursement letter/discharge voucher from the insurer/employer
      • For claims under h & i, please submit the medical certificates

  9. Copay Assist Claim

    Documents required:

    1. Copay Assist Claim Form
    2. Photocopy of final hospital/medical bills
    3. Reimbursement letter/discharge voucher from the insurer/employer indicating the amount paid by them.
 
 

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