Be the business that protects its people.

To claim benefits, the policyholder must send us the following documents, as explained.

Requirements for Death claim (GL, SI, CI, AD)

• Death Claim form to be duly signed by authorized signatories of the policyholder as per Trade Register/signatory power/signatory list
• A valid & certified* proof of ID of each authorized signatory
• Original Death Certificate or a certified true copy of the original Death Certificate
• Salary slip of the insured at the claim event date
• Proof of Employment at the claim event date
• A Police or an Accident report (only applicable if death is due to an accident or unnatural circumstances)
• Autopsy report or coroner’s inquest, if available

Requirements for a disability claim (ADIS, IP, TTD, PPTD, PTD)

• Disability Claim form to be duly signed by authorized signatories of the policyholder as per Trade Register/signatory power/signatory list
• Disability Claim Assessment form to be duly signed by the Insured and by the medical practitioner and with supporting reports available
• Sick Notes or Confirmation of absence periods
• Salary slip of the insured at the claim event date
• Proof of Employment at the claim event date
• A Police or an Accident report (only applicable if disability is due to an accident or unnatural circumstances)
• A valid & certified* proof of ID of each authorized signatory

_{* We will only accept certified documents when the certification is carried out by one of the following: broker, company’s secretary, police officer, court clerk, notary public, practicing solicitor, embassy, consular staff member, commissioner for oaths.}

In the event of the death, accidental death or accidental dismemberment of an insured person, the policyholder must notify us of the event in writing. The policyholder must send us all required documents as indicated above.

Benefits will be paid once we accept the claim as valid. Valid benefits in relation to Life and Accidental Death cover will be paid directly to the Policyholder(Company).

The policyholder must inform us in writing immediately if an insured employee is on certified sick leave

The policyholder must send us the documents as per requirements stated above. We will pay the benefits once we accept the claim as valid.

The policyholder must tell us in writing immediately if an insured employee progresses from short-term disability to long-term disability. The policyholder must send us the documents as per requirements stated above.

We will pay the benefits once we accept the claim as valid.

The policyholder must tell us in writing within three months after waiting period if an insured employee suffers a permanent disability. The policyholder must send us the documents as per requirements stated above. The assessment of claims will normally take place after waiting period, based on their individual circumstances.

We will pay the benefits once we accept the claim as valid.

The claim assessment is subject to the receipt of the requirements stated above. The claim handlers will review each provided file and we reserve the right to request further information if we see fit. Once the file is complete and the claim is in scope of the benefit definition as per the Policy schedule document, we would consider the claim valid and accepted.

The following reasons can lead to a declined decision though:

• late notification
• min. degree of disability not reached
• waiting period not reached
• member has returned back to work
• premium for the period when the claim occurred was not paid
• the claimant did not meet the actively at work requirements when entering the plan
• policy has been terminated
• exclusions applicable
• member not eligible / not insured
• failure to supply the information necessary to proceed with the decision