01. How do I lodge a Claim?

When a need for claim arises, you should first notify your Consultant, financial advisor or one of our Customer Service Staff. They will provide you with information on claim procedures. The claimant will be asked to submit relevant evidence to support his/her claim.

02. What documents are needed to file a Death Claim?

The compulsory documents required are a Life Insurance Claim-Claimant's Statement, Death Certificate, Policy Contract, identity documents of the Insured and Beneficiary. Additional documents such as an Attending Physician's Statement and proof of relationship of the Insured and Beneficiary their relationship may also be required and will be communicated to you after the claim has been lodged.

03. Who will receive the death proceeds of my policy if I do not appoint any trustee or beneficiary?

As there is no such appointment, we will pay to the policy owner estate executor / administrator stated in the respective Probate of Will or Letter of Administration.

04. What documents are needed to file Health and/or Accident Claims?

The compulsory documents required are a Claim Form and an Attending Physician's Statement specific to the benefit being claimed. Additional documents may be required and will be communicated to you after the claim has been lodged.

05. If I have filed a Total Disability Benefit (TDB)/ Waiver of Premium (WP) claim, and I am still waiting for claim decision, do I have to pay the premium in the meantime?

Before we reach a decision to pay the claim, you are obliged to pay the premiums to keep the policy in force. After we admit the claim, we will then refund the premium paid for the waiver period.