Making a claim and getting assistance

To submit claims, please provide us the below required documents for different claim types.

Death Benefit Claims

• Death Claim Form with Part I fully completed and signed by Beneficiary(ies)/Claimant(s)
• Death Claim Form with Part II fully completed and signed by the Attending Physician with chop, if needed
• Certified True Copy Death Certificate of Insured Person Certified by Bank Staff
• Copy of ID Card/Passport/Birth Certificate of Insured Person
• Copy of ID Card/Passport/Birth Certificate copy of Beneficiary(ies)/Claimant(s)
• Copy of Relationship Proof Between Insured Person and Beneficiary(ies)/Claimant(s)
• Original Policy Document
• Copy of Bank Account Proof of Beneficiary (applicable for sole or joint name bank account)

Major Illness/ Female Benefit/ Terminal Illness Claims

• Major Illness/ Female Benefit/ Terminal Illness Claim Form with Part I fully completed and signed by the Policyholder/Claimant/Insured Person and/or Dementia Protection Benefit Recipient
• Major Illness/ Female Benefit/ Terminal Illness Claim Form with Part II fully completed and signed by the Attending Physician with chop
• Major Illness/ Female Benefit/ Terminal Illness Claim Form with Part III fully completed and signed by the Policyholder/Claimant/Insured Person and/or Dementia Protection Benefit Recipient (if applicable)
• Copy of Histopathology, Laboratory Test Report, Endoscopy, Ultrasonogram, X-Ray, CT Scan, MRI, Diagnostic Written Report(s) and Operating theatre summary (if applicable)
• Copy of Policyholder and Insured Person's Identity Card
• Copy of Bank Account Proof (applicable for Policyholder's sole or joint name bank account other than Policyholder's premium deduction account)

Flexi Medical Insurance Plan (FMIP) Medical Claims

• FMIP Medical Claim Form with Part I fully completed and signed by the Policyholder/Insured Person
• FMIP Medical Claim Form with Part II fully completed and signed by the Attending Physician/ Surgeon with chop (to be obtained by Insured Person/ Claimant)
• Original receipt(s) of the medical expenses (including but not limited to deposit receipt)
• Copy of settlement advice from other insurer (if applicable)
• Copy of Histopathology, Laboratory Test Report, Endoscopy, Ultrasonogram, X-Ray, CT Scan, MRI, Diagnostic Written Report(s) and Operating theatre summary (if applicable)
• Copy of Bank Account Proof (applicable for Policyholder's sole or joint-name bank account other than Policyholder's premium deduction account)

Disability Claims

• Disability Claim Form with Part I fully completed and signed by the Policyholder/Insured Person
• Disability Claim Form with Part II fully completed and signed by the Attending Physician with chop (this report required to be applied by the claimant at his/her own cost)
• Copy of Histopathology, Laboratory Test Report, Endoscopy, Ultrasonogram, X-Ray, CT Scan, MRI, Diagnostic Written Report(s) and Operating theatre summary (if applicable)
• Copy of Sick Leave Certificate with diagnosis and/ or Consultation Proof
• Copy of Physiotherapy/ Occupational Therapy Report(s) (if applicable)
• Copy of Police Report (if applicable)
• Copy of Policyholder & Insured's Identity Card
• Copy of Bank Account Proof (applicable for Policyholder's sole or joint name bank account other than Policyholder's premium deduction account)

Hospital Cash Benefit Claims

• Hospital Cash Benefit Claim Form with Part I fully completed and signed by the Policyholder/Insured Person
• Hospital Cash Benefit Claim Form with Part II fully completed and signed by the Attending Physician with chop (this report required to be applied by the claimant at his/her own cost)
• Copy of Discharge Summary/Discharge Slip if admitted into a hospital(s) under the Hospital Authority
• Copy of full set Hospital Receipt
• Copy of Laboratory, Ultrasonogram, X-Ray, CT Scan, MRI and Diagnostic Written Report(s) (if applicable)
• Copy of Policyholder & Insured Person's Identity Card
• Copy of Bank Account Proof (applicable for Policyholder's sole or joint-name bank account other than Policyholder's premium deduction account)

Unemployment Claims

• Unemployment Claim Form fully completed and signed by the Policyholder
• Copy of the letter of redundancy of employment and last payroll with breakdown on Severance Payment.

For easier reference, you can check the 'Claims Document Checklist' on the claim form. If you have any questions on claim submission, please call us at (853) 2821 6133 or (852) 3128 0122.

• If a designated beneficiary has been appointed, the death benefit will be paid to the beneficiary
• If a designated minor beneficiary has been appointed, the death benefit will be paid to the designated trustee or the legal guardian (if no designated trustee is assigned)
• If a designated beneficiary has been appointed but deceased before the insured person, the death benefit will be paid to the policyowner
• If no beneficiary has been appointed and the policyowner is alive, the death benefit will be paid to the policyowner
• If no beneficiary has been appointed and the policyowner is not alive, the proceeds are payable to the estate of the policyowner
• If the policy has been assigned, the assigned amount of proceeds are first payable to the assignee according to Assignment Deeds and the balance amount of proceeds will be payable according to above rules

Once we've received your claim request, we'll notify you via SMS. While we assess your claim, our professional Claims Servicing Specialist will get in touch with you to update about the status of your claim. 

If you want to seek help or an immediate update of your claim, please call us at (853) 2821 6133 or (852) 3128 0122.

Yes, you can make your request on the claim form. We'll send you the Certified True Copy(ies) of original invoice(s) and receipt(s) after claim processing.

However, Certified True Copy will not be issued if the claims are fully reimbursed. If you have any special request about the invoice(s) and receipt(s), please call us at (853) 2821 6133 or (852) 3128 0122.