Claims and Benefits

DEATH CLAIMS

NATURAL CAUSE

If the insured died by natural cause, the claimant should provide valid or certified copy of the following requirements:

  1. Policy of Original Certificate of Life Insurance
  2. Original Death Certificate or Authenticated copy certified by the local Civil Registrar
  3. Identification Statement
  4. Notarized Claimant Statement
  5. Notarized Attending Physician Statement
  6. Clinical Abstract and Discharge Summary if the insured was hospitalized prior to death
  7. Affidavit regarding the Fact of Death if not attended by a physician
  8. Original Marriage Contract / Certificate or copy (if the beneficiary was the spouse)
  9. Birth Certificate or other evidence of age (if beneficiaries were the children, brothers or sisters)
  10. Birth Certificate of the deceased (if the beneficiaries were the parents)
  11. Affidavit of Guardianship (if the declared beneficiaries were minors at the time of death)

ACCIDENTAL DEATH

If the insured died by accident, the claimant should provide valid or certified copy of the following requirements:

  1. Policy of Original Certificate of Life Insurance
  2. Original Death Certificate or Authenticated copy of certified by the local Civil Registrar
  3. Identification Statement
  4. Notarized Claimant Statement
  5. Police or Accident Report
  6. Autopsy Report or Postmortem Examination Report (if an autopsy was undertaken)
  7. Sworn Statement/ Affidavit of eye-witness/es (if any medico legal cases)
  8. Original Marriage Contract / Certificate or copy (if the beneficiary was the spouse)
  9. Birth Certificate or other evidence of age (if beneficiaries were the children, brothers or sisters)
  10. Birth Certificate of the deceased (if the beneficiaries were the parents)
  11. Affidavit of Guardianship (if the declared beneficiaries were minors at the time of death)

IMPORTANT REMINDERS:

* Failure to give notice to the Company immediately in case of death shall not invalidate or reduce any claim if it can be shown that it was not reasonably possible to submit the notice and proofs on time.

LIVING BENEFIT CLAIMS

HOSPITAL INCOME BENEFIT

This rider provides the client a cash benefit for each day of hospital confinement. Benefit varies according to the certain number of days specified in the client’s Policy Data.

The claimant must submit a valid or certified copy of the following requirements to our Home Office:

  1. Photocopy of the Insurance Certificate
  2. Hospital Income Benefit Form
  3. Statement of Account from the Hospital
  4. Medical Certificate from the Attending Physician
  5. Other pertinent medical records

MEDICAL REIMBURSEMENT

For this claim, claimant must submit a valid or certified copy of the following requirements to our Home Office:

  1. Photocopy of the Insurance Certificate
  2. Claimant’s Statement and Attending Physician’s Statement Form
  3. Medical records / consultation
  4. Police / Accident Report
  5. Prescription/s
  6. Original receipts of prescribed medicine purchases,  hospital bills

DISABILITY CLAIM

For this claim, claimant should submit valid or certified copy of the following requirements to our Home Office:

  1. Photocopy of the Insurance Certificate
  2. Hospital Income Benefit Form ( if due to sickness)
  3. Latest Medical Certificate
  4. Discharge Summary / Medical Records
  5. Policy / Accident Report (if due to accident)
  6. Close-up photos of the injured part of the body

DISMEMBERMENT CLAIM

For this claim, claimant should submit valid or certified copy of the following requirements to our Home Office:

  1. Photocopy of the Insurance Certificate
  2. Latest Medical Certificate
  3. Claimant’s Statement and Attending Physician’s Statement form (for personal accident)
  4. Police / Accident Report
  5. Close-up photos of the injured part of the body

IMPORTANT REMINDERS:

The processing of claims starts upon receipt the complete requirements and necessary claim forms.

Any discrepancy in the requirements can cause delay in the processing of claim. Profound evaluation will be conducted.