How to process your insurance claims faster

Whenever individuals buy insurance for themselves or their loved ones, they are aware that they may need to file a claim in future when example a death or accident occurs. The claims are paid to the beneficiaries. There is a process that claimants need to complete before they are able to claim any payouts by the insurers. There are situations when claims get delayed due to certain reasons. Here’s how to avoid those delays.

Get your documents ready

Depending on the claim to made, the documents to be provided to the insurer may differ. Most common documents are the death certificate, deceased’s NRIC or birth certificate, claimant’s NRIC, proof of claimant’s relationship to the deceased, police report (where applicable). All documents to be submitted must be certified true copy.

Certified true copy means that the copy (often a photocopy) is a copy of the primary documents that has on it an endorsement or certificate that it is a true copy of the primary document. It does not certify that the primary document is genuine, only that it is a true copy of the primary document.

Doctor’s / Physician’s Statement

In some claim’s procedure the physician’s statement is required to be completed for the claims to be processed. For example an individual who is claiming for Total and Permanent Damage (TPD) payout need his condition to be certified by a physician. The form must be submitted to the physician for completion to support the individual’s claims. If this statement was submitted late it may lead to delayed claim payout.

If you are not certain on the kinds of forms or documents needed when trying to make a claim on your policy, you can contact your financial adviser serving your policy for further enquiries. You can also drop us an email, if you have any questions you would like to ask.

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