• Lionel Lye

Learn How To Properly Make A Claim In 3 Minutes (LIFE AND MEDICAL INSURANCE)

Updated: Jun 6, 2020

When the unexpected happens, and you need to claim your insurance, how do you go about it? Now, before you get on your phone with your insurers, you should dig out your policy details to make sure you’ve got the appropriate cover for the loss and damage. Here’s a step-by-step guide to making an insurance claim.


1. Tell the insurance company about the event as soon as possible. If this is by phone, you will usually be asked to complete a claim form afterwards. Include as many details as possible of the incident.

2. Produce all relevant or necessary documents or records to support your claim.

3. Cooperate with the insurer for a smoother process.

4. Make sure you disclose accurate and correct information of the incidents to avoid unnecessary hassle and delay in your claim.


1. Death Claims

This claim is paid should Death occur to the Life Assured. There are two classifications for Death in this instance; Illness Death (including natural Death) and Accidental Death (such as murder, drowning, etc.).

Documents You’ll Need:

a) Accidental Death

i. Doctor’s Statement

ii. Police Report

b) Illness Death (including natural Death)

i. Death Certificate

ii. Original Policy – Death Certificate / Burial Certificate

You May Also Be Asked For:

i. Proof of Deceased’s Age (NRIC/Passport/Birth Cert)

ii. Statutory Declaration as an Executor*

iii. Proof of Relationship with Deceased** (Marriage Cert/Children Birth Cert)

iv. Authorisation of Agent / Other Person to Collect Claims Payment Cheque

v. Letter of Authority to Collect Post Mortem Report

*If you are a nominee who is other than a non-Muslim policy owner’s spouse, child, parent under a trust policy, you will receive the policy moneys as an Executor where the proceeds will form part of and are subject to the estate of the deceased policy owner and the relevant law of distribution or succession shall apply.

*Nominees of the insured who were Muslim at the time of Death will receive as Executor and will have to distribute under Syariah Law even if the nominee is a spouse, child or parent.

**Proof of Relationship is required for those claiming beneficially in the capacity as a spouse, child and parent nominee of the non-Muslim policy owner, and you will only be paid in the capacity as an Executor and not beneficially. Proof of relationship as a spouse, child, or parent to the policy owner is also required if you are claiming on a policy WITHOUT NOMINATION where the Company reserves the right to request for the production of a Grant of Representative.

2. Hospitalisation and Surgical Benefit

Claims This claim will be paid to you should you be confined to a hospital or medical centre due to illness or injury. Hospitalisation benefits will be paid daily as per the amount of benefits you have purchased under your policy, whereas surgical benefits are paid on a reimbursement basis. Documents You’ll Need:

i. Hospitalisation & Surgical Benefits Claim Form

ii. Attending Physician Statement

iii. Original Hospital Bill / Hospital Invoice

iv. Original Cash Receipt / Payment Receipt / Deposit Receipt

To read a more detailed claim process, please click here.

3. Accidental Claims

This claim will be paid to you should be involved in an accident. This is defined as injuries suffered through external violent and accidental means leaving visible contusions or wounds on the exterior of your body.

Documents You’ll Need:

i. Accidental Claim Form (claimant statement)

ii. Attending Physician Statement (at claimant’s expense)

iii. A certified true copy of hospital bill (s) and payment receipt (s)

iv. A certified true copy of NRIC

v. Original / Certified true copy of the medical certificate (s)

vi. Certified true copy of police report, if any, especially for a road traffic accident and assaulted case

vii. Original payment receipt (for Supreme Accident Care with Medical Expenses Benefit)

If you require any further information, feel free to contact us.

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