Claim Handling process
What is Claim Handling?
Claims department is the place where our promise is converted to reality. For the purpose the department is well structured and equipped with qualified and experienced professionals who are serving our esteemed customers with utmost respect and empathy.
The claim can be requested by the insured or his representative at head office or any outline branches.
At the time of claim the insured should notify to the organization immediately through phone or by addressing the organizations through any nearest branch office.
For faster claim processing, it is essential that the claimant submits complete documentation as early as possible
How to process claim handling
- Personal Accident (Individual) (PA)
- Group Personal Accident (GPA)
- Money
- Motor Accident
- Fire & Lightening Accident
- Burglary & House Breaking
- Marine Accident
- Plate Glass Accident
- Carriers Liability
- Engineering Accident
- Fidelity Guarantee
Personal Accident (PA)
Death compensation
Medical expense refund
- Duly completed claim notification form
- Police report (not mandatory)
- Death certificate
- Beneficiary’s legal heirs
- Duly completed claim notification form
- Original medical board certificate
- Payroll
- ID card, passport
Medical expense refund
- Original medical certificate
- Original medical invoices
- Original prescription
Group Personal Accident (GPA) Insurance
Death compensation
Medical expense refund
- Duly completed claim notification form
- Police report (not mandatory)
- Death certificate
- Beneficiary’s legal heirs
- Duly completed claim notification form
- Original medical board certificate
- Payroll
- ID card, passport
Medical expense refund
- Original medical certificate
- Original medical invoices
- Original prescription
Money Insurance
- Duly completed claim notification form
- Internal & external auditors report
- Written statement of concerned employee
- Police report
Motor Accident
-Protect the vehicle form further loss.
-If the accident results in damages to other vehicle(s), Person(s), animal, or any other property:
-If you have received any communications, verbal or written, please inform us forwarding all letters etc, without replying thereto.
-Report the accident to a nearby police or any other similar government body immediately.
-Notify the accident to the head office of or any of its branches nearby immediately
-Present a police report
-Provide photocopies of driving license
-Provide photocopy of the ownership certificate of the vehicle
-Power of attorney (If necessary)
-Heirs testimony (certificate) (If necessary)
-Collect performa invoice for parts and labor from garages and/or suppliers of part
-Present repair estimation from the dealer (if the vehicle is new)
-Returning salvage items
-Settle the excess required under the policy
-Settle any contribution required in respect of replacement of new parts for old (if any)
-If the accident results in damages to other vehicle(s), Person(s), animal, or any other property:
- Note the registration number of the other vehicles(s) involved and tries to get copy of third party’s Insurance certificate and driving license
- Note the names and addresses of the person(s) injured.
- Note the damage to animals and/or other property.
- Ask the names and addresses of everybody else who involved including witnesses.
-If you have received any communications, verbal or written, please inform us forwarding all letters etc, without replying thereto.
-Report the accident to a nearby police or any other similar government body immediately.
-Notify the accident to the head office of or any of its branches nearby immediately
-Present a police report
-Provide photocopies of driving license
-Provide photocopy of the ownership certificate of the vehicle
-Power of attorney (If necessary)
-Heirs testimony (certificate) (If necessary)
-Collect performa invoice for parts and labor from garages and/or suppliers of part
-Present repair estimation from the dealer (if the vehicle is new)
-Returning salvage items
-Settle the excess required under the policy
-Settle any contribution required in respect of replacement of new parts for old (if any)
Fire & Lightening Accident
- Duly completed claim notification form
- Police report
- Fire brigade report
- Stock declaration for contents
- Ownership evidence
- Book of financial accounts
- Sales & purchase invoices for contents
- Clearance from mortgage (if bank interest)
Burglary & House Breaking Insurance
- Duly completed claim notification form
- Police report
- Statement given by watchman
- Stock declaration
- Ownership evidence
- Books of statement of account
- Sales & purchase invoice
- Clearance from mortgage, if any
Marine Accident
- Duly completed claim notification form
- Original insurance policy/certificate
- Originals or copies of invoices
- Packing list
- Original bill of lading for sea mode of transport
- Air way bill of lading for air mode of transport
- Preliminary survey report
- Correspondence exchanged with carriers and/or other parties regarding their liability for the loss or damage.
- Store goods receiving note
- Truck way bill
- Police report (if accident happened during inland travel)
- Vessel arrival notification slip
- Any other documents which may be required by the insurer
Plate Glass Accident
-Claim notification
-Police Report
-Estimate of loss plus replacement cost
-Police Report
-Estimate of loss plus replacement cost
Carriers Liability Insurance
- Duly completed claim notification form
- Police report (If necessary)
- Truck way bill
- Survey report
- Invoice for the amount of indemnity
- Driving license
- Ownership title
Engineering Accident
- Duly completed claim notification form
- Police report
- Operator’s driving license
- Title deed certificate
Fidelity Guarantee
- Duly completed claim notification form
- Internal & External auditors report
- Written statement of the concerned employee
- Police report
