Accident Claims
How to determine a vaild or invaild accident claim?
In addition to accidental death and permanent disability, accident insurance also covers accidental medical expenses, daily hospitalization cash benefit and temporary disablement benefit.
Most insurers require the insured to submit accident claims within 90 days after the accident, and disability claims within 180 days after the accident.
The following are the documents you need to prepare when submitting a claim:
Claim form
The insured’s ID copy
Copies of relevant documents, such as sick leave certificate, labor assessment certificate, X-ray inspection report, police statement, etc.
Original medical receipt (must list: diagnosis and treatment date, patient name, disease name, description of charges)
Copy of discharge summary from hospital
Proof of total income
If the insured does not have accident insurance but only medical insurance, he/she can still make a claim as long as the following conditions are met：
After the accident, insured are required to attend a day clinic or hospital for emergency treatment within a specified time. The time may varies depending on different insurer, usually between 24 and 72 hours.
Necessary medical services for cosmetic or plastic surgery within ninety (90) days after the accident
The fees charged by a registered dentist, registered medical practitioner or hospital for emergency treatment (including consultation, hemostasis, tooth extraction, root canal treatment and X-ray) for the insured to receive as a day patient in a registered dental clinic or hospital for his/her natural teeth.
Item (1): Within 72 hours after the accident
- FWD
Item (1): Within 24 hours after the accident
- AIA
- Prudential
- Manulife
- AXA
- Sun Life
- CTF Life
- Chubb
*The above information is for reference only.
Please contact us or your financial advisor to confirm the relevant terms.
Dated June, 2025
