Personal Accident

Important Notes


You must provide documentary proof to support your claim. Otherwise, your claim will not be admissible.

Your claim will be rejected if you have made any misleading, false, or fraudulent statements. We will report to police if you make any dishonest or fraudulent claims and you must return any payment made to Us.

What you need to know?

Important Points

  • You must tell Us in writing within 30 days after the happening of any Accident which may give rise to a claim under this Policy.
  • You must submit all relevant supporting documents and information along with the claim application so that we can process your claim.

Disclaimer

Please note the information contained in this website is not a complete explanation and/or representation of your policy terms and conditions. You are advised to read your policy documents for the full terms and conditions.

How to submit your claim?

Step 1: Prepare the following information that is required to validate your submission:
  • Policy Number
  • Claimant NRIC/FIN
  • Claimant Name
Note: Claimant should be an insured covered under the policy. The claimant information should match the NRIC/FIN and Name that you provided when you purchased your Personal Accident insurance policy with us.

Step 2: Refer to "What are the required documents" section and ensure that you have the required supporting documents for your claim.

Step 3: Submit your claim online HERE.

What are the required documents?


Medical Expense

  • Medical Bills (Retain the originals for our verification later)
  • Medical Reports/Diagnosis (Cost to obtain this document will not be reimbursed)
  • Registered Medical Practitioner’s prescription for Mobility Aid

Weekly Income Benefit

  • Medical Leave Certificates
  • Medical Report/Diagnosis (Cost to obtain this document will not be reimbursed)
  • Payslips for the last 3 months before accident (Including month of accident)

Hospitalisation Allowance

  • Inpatient Discharge Summary indicating date of admission and date of discharge
  • Medical Report/Diagnosis (Cost to obtain this document will not be reimbursed)

Baby Bonus

  • Baby’s Birth Certificate

Miscellaneous

  • For Permanent Disability Claim
    • Medical Report/Diagnosis (Cost to obtain this document will not be reimbursed).
  • For Death Claim
    • Death Certificate, Autopsy report, Coroner's findings
    • Proof of relationship between the Insured and Claimant (E.g. Copy of Marriage Certificate / Birth Certificate)
    • Police report, if applicable

What happens next?

What to expect after submitting a Claim?

  • You will receive an acknowledgement email once we have received your claim application.
  • It takes 10 working days to process your claim after all supporting documents are received by us. Do expect a longer processing time during peak periods or if we require your co-operation for more information.
  • We will proceed to pay the claim proceeds via PayNow (if applicable) once the claim has been approved. We will pay by cashier's order if the PayNow transfer is unsuccessful.

How to enquire about my Claim?

You can contact us via any of the following channels:
  • Send your enquiry via email to [email protected]
  • For urgent matters, call (65) 6461 6555 from Mondays to Fridays, 9am to 5pm (excluding weekends and Public holidays)
Please remember to provide your Claim Submission Number (given in your claims acknowledgement email) or your Policy Number for us to easily identify your claim application.

Frequently Asked Questions

How do I file a claim?

Please refer to the "Submit a Claim" Section for detailed steps on how to file a Personal Accident Claim.

What supporting documents must I submit?

Supporting documents for each type of claim can be found in the "What are the required document" Section.

How do I check on the progress of my claim application?

Please refer to "What happens next" Section to see the various channels through which you can enquire on the progress of your claim application. It takes 10 working days to process your claim after all supporting documents are received by us. Do expect a longer processing time during peak periods or if we require your co-operation for more information.

Can I claim for medical expense If I am admitted to an overseas hospital for an injury arising out of an accident?

Yes, If you are admitted to an overseas hospital for an injury arising out of an accident , you are covered for inpatient treatment up to the policy limit. You will need to settle the bill with the hospital first, then seek reimbursement from us upon return to Singapore.

If my claim is in foreign currency, how will you pay me?

When your claim is in foreign currency , we will pay the claim in Singapore Dollars using the foreign exchange rate determined by us. If you have used a credit card, please provide your credit card statement as a supporting document and we will pay the amount charged in Singapore Dollars as stated on your credit card statement.

Can I claim for medical expenses incurred for treatment by a Chinese Physician or Chiropractor for an injury arising from an accident?

You can claim for medical expenses incurred for treatment by a Chiropractor or Chinese Physician subject to Policy terms and conditions. You must ensure that the Chinese Physician is registered with the Traditional Chinese Medicine (TCM) Practitioners Board and possess valid practicing certificates. Please remember to select the correct claim type for submission under the Medical Expense section.

*Please refer to your policy document for the applicable coverage.

Can I claim for health supplements, vitamins, prebiotics, probiotics and skin care products?

No. Health supplements, vitamins, prebiotics, probiotics and skin care products whether purchased over the counter or prescribed by a Registered Medical Practitioner are not claimable under the policy.

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