How to make claims

Personal Accident Insurance Claim Documentation

1. The completed Personal Accident Insurance Claims Form, duly signed in the field of "The Insured Person’s signature"
2. The ORIGINAL medical receipts together with details of the Medical Expenses incurred.
3. The medical certificates related to treatments/hospital admission and disability period.
4. Official report of the accident, i.e. accident report, police report confirmed by the Police, Police Station or concerned local authority at the scene of the accident.
5. Copy of Death Certificate (if claim involves any fatalities).
6. Document showing relationship of the beneficiary/ confirmation on of the lawful right of inheritance (if claim involves any fatalities).

Comprehensive Personal Accident Insurance 24H/Worldwide Claim Form

Group Personal Accident Insurance Claim Form

As soon as you become aware of any circumstances likely to lead a third party make a claim against you, you have an obligation to notify us immediately.

An acknowledgment of the claim notification will be sent within three to five working days of receipt of notification. Further information and documents may be requested.

If you require indemnity under the ACE Policy, you are required to take the following actions:

Provide us with full information and details on the following:

1. Who is your contact person handling the matter?
2. Full contact details of the third- party claimant.
3. What happened, where and when?
4. Full description of the damage or details of the injured/sick.
5. When and how did you become aware of the matter?
6. What is the estimated amount of the claim?
7. Furnish all relevant documents, including any correspondence exchanged with the third- party claimant.

Other important advice includes:

• Do not repair, dispose, destroy, alter or otherwise tamper with any property involved in the incident.
• It is your obligation to preserve any evidence within your control for investigation purposes.
• If you receive a writ, summon or other notice of legal proceeding from any third party, do not answer it. Pass it, immediately and unanswered, to ACE, the loss adjuster appointed by ACE or your broker.
• Do not admit or discuss liability or make any promise or offer of compensation or goodwill payment to any third- party claimant without consulting your insurers or loss adjuster.

ACE will then carry out any necessary investigations, determine whether the policy applies, advise you of any action you might be required to take and determine how to resolve the claim. A loss adjuster may be appointed by the insurer. Please co-operate with the loss adjuster and furnish any relevant information requested by him/her.

ACE maintains a panel of service providers such as loss adjusters, forensic accountants, solicitors, investigators and other experts to assist if necessary in the investigation and handling of litigious matters, that may arise from claims.

Should you require ACE to handle your claim, you should not enter into any discussions with other parties about the claim or attempt to deny or settle the claim. If there is a denial of indemnity, detailed reasons for the denial will be provided in writing. Claims status reports can be provided on request.

You should immediately notify your broker or ACE if you become aware of an actual or potential claim. The notification should include all information required by the policy. You should also forward any information or comments you might wish to make.

An acknowledgment of the claim notification will be sent within three to five working days of receipt of notification. Further information and documents may be requested.

ACE will then undertake any necessary investigations, determine whether the policy applies, advise you of any action you might be required to take and determine how to resolve the claim.

ACE maintains a panel of service providers such as loss adjusters, forensic accountants, solicitors, investigators and other experts to help investigate and handle of litigious matters,that may arise from claims.

Should you require ACE to handle your claim, you should not discuss the claim with any other parties or attempt to deny or settle the claim.

If there is a denial of indemnity, then detailed reasons for the denial will be provided in writing.

Claims payments will be made promptly after we have received duly executed release/settlement agreement/discharge.

Claims status reports can be provided upon request.

Enclosed documents:

1. Prescriptions
2. Medical documentation
3. Hospital Admission
4. Hospital discharge
5. Surgery report/certificate
6. Incident report
7. Registration card and driver’s license in the case of a traffic accident
8. Police report
9. Other relevant documents

These documents must be submitted to the Company within 30 days from the date of occurrence of the event resulting in the insurance claim. Please note that we reserve the right to request additional documents if needed.

Hospital Income Claim Form

It is important to remember that the most crucial period in the marine claim process is often the first few moments after discovering the loss or damage.

If you discover a loss or damage before you sign any delivery document to acknowledge receipt of the goods, we recommend that you read through this list – it will take less than five minutes.

Immediate Action
Once a loss or damage is discovered, there are three things that you, as the insured or the claimant, must do without delay.

1. MAKE EVERY EFFORT TO MINIMIZE THE LOSS AND/OR PREVENT FURTHER LOSS OR DAMAGE. This is a requirement under the “Duty of Assured” clause of most Marine Cargo Policies. This could include, for example:

a)              Separating damaged items from sound cargo

b)             Unpacking and spreading out damp or wet items to help them dry;

c)              Re-bagging/repacking;

d)             Temporarily sealing leaking drums;

e)              Re-cooperating or re-banding.

Reasonable expenses incurred in taking such steps are reimbursable in addition to any claim payment for damage.

1. NOTIFY ACE OR YOUR INSURANCE BROKER so that, a survey of the damage can be promptly arranged, if required. UNTIL SPECIFICALLY ADVISED BY ACE OR YOUR BROKER THAT A SURVEY WILL NOT BE NECESSARY, YOU SHOULD ASSUME THAT A DAMAGE SURVEY WILL BE CONDUCTED.
   
   Wherever practicable, the damaged cargo and all original packing materials should be retained in the condition received until after the survey, unless this will cause further damage.
   
   Once a survey is arranged, the carrier or his agent should be notified of the time and place of the survey so that they can be represented at a “joint survey” The carrier may often choose not to attend a joint survey; however, they must be given the opportunity to do so.
   
   Notification of a possible claim to ACE or your broker should NOT be withheld while you wait for a reply to your initial written claim to the carrier.

1. CONTACT THE CUSTOMS AUTHORITY for a joint survey if you are likely to seek a reimbursement of import duty.

Applicable Documents

1. The document issued showing the amount of insurance placed and coverage provided( for an export shipment, this can be the original Special Marine Policy or Certificate of Insurance).
2. The original or non-negotiable copy of the primary transit document.

a)              For an ocean shipment, this will be a Bill of Landing

b)             For an air shipment, a Master Air Waybill (MAWB) and/or House Air Waybill (HAWB).

c)              For an inland transit, a Consignment Note.

1. Acknowledgement of final delivery.

a)              Discharge/Wharf/Landing Receipts of Weight Notes are likely to represent the primary overseas document.

b)             A Consignment Note will normally be issued by the final inland carrier/ forwarder (in addition to the primary ocean transit document).

1. Supplier’s commercial invoice.
2. Packing list, weight certificates or other evidence of the nature and condition of the goods at the time of shipment.
3. Pre-shipment survey report, if an independent surveyor was appointed to report on load/stow arrangements prior to transit.
4. Copy of claim on carrier/freight forwarder and their reply (if available).

If you have any particular concerns regarding the physical aspects of cargo transportation, then we will do our best to help.

ACE also produces a number of useful, up-to-date publications on Marine Cargo Insurance,Cargo Handling and ACE Cargo Advantage.

Please ask your broker to contact us if you need any further support or advice on Risk Management.

Relevant documents

• Travel documents such as passports, air tickets and/or boarding passes.
• Medical reports/bills/certificates/reports relevant to treatments/hospital admission.
• Original medical bills( if the claim relates to reimbursement).
• Original purchase receipts (if the claim relates to the loss of personal property.
• Overseas police report or relevant authority (if the claim relates to the loss of personal property and/or money).
• Written confirmation issued by the Carrier/Airline (if the claim relates to baggage delay/flight delay/ flight misconnection).
• Letter from the concerned third party (if the claim relates to legal liability).
• Death Certificate/post mortem report/autopsy report/police reports/Letter of Administration/Confirmation of lawful right of inheritance (if the claim involves fatalities).
• Power of Attorney of the Insured Person (in case the Insured Person/Group Insurance authorizes another person to be the Claimant).

The above mentioned relevant documents must be submitted to the Company within 30 days of the events that resulted in the insurance claim.

Please note that we reserve the right to request additional documents if needed.

Worldwide Travel Protection Plan Claim Form