You can report a claim by calling our 24-hour hotlines, emailing us, visiting our office, or contacting our authorized agent. Please refer to our How to Make a Claim section for full details.

Required documents may vary by claim type, however commonly include:

• Duly Completed Claim Form
• Copy of the insurance policy
• Photographs of loss or damage (if applicable)
• Police report (if applicable)
• Repair / Replacement quotation
• Repair / Replacement bills
• Medical certificate (involving hospitalization treatment)
• Death certificate (death case)

Claims must be reported as soon as practicably possible after the incident occurs. Delaying reporting a claim may affect your claim eligibility. Please refer to your insurance policy for a specific timeline for claim notification.

Claim processing time depends upon the type and complexity of the claim. However, you will be notified of the offer of settlement or repudiation within 15 working days from the receipt of required documents.

Once claim is approved and upon your acceptance of the offer of the settlement, payment will be made by Cheque, Bank Transfer or Cash, depending on your preference and claim type. For claims involving repairing at our panel workshop or treatment at our panel hospital / clinic, payment will be made directly to panel service provider. 

Claim payment may be made to:

• The policyholder or beneficiary named in the policy
• An authorized representative (with proper written authorization)
• Financial Institutions (e.g., leasing or loan companies) if noted in the policy
• A third party, in the case of third-party liability claims