Claim Procedure for Loss of Licence Insurance

The Claims Procedure

In the process of assessing an insurance claim, the insurer maintains the prerogative to request any supplementary information that is deemed necessary for the proper evaluation of the claim’s validity. It is essential for policyholders to understand that until such requested information is provided and the insurer’s requirements are met, no obligation exists on the part of the insurer to make a payment.

1. Notification – As a policyholder, it is your responsibility to promptly notify us about the incident or event that may give rise to a claim. This notification should typically be done as soon as reasonably possible.
2. Documentation – Gather all necessary copies of documentations to support your claim:

• In the event of the policyholder’s death
  • Death Certificate showing death of the policyholder.
  • Medical Certificate indicate the cause of death.
  • Birth certificate of beneficiary issued within three months after the policyholder’s death.
  • National ID card (Both Side) of the beneficiary
  • Affidavit or certificate of heredity issued by court or equivalent document.
  • Sworn declaration of non-separation of the spouse or civil solidarity pact
  • Declaration of Salaries paid by the employer during the 12-month period preceding a policyholder’s death.
  • Your policy certificate.
  • Bank Identifier Code of the Beneficiary
  • Any other document deemed necessary.
• In the event of Total and Irreversible Loss of Autonomy (TILA)
  • Your policy certificate.
  • Detailed Medical Certificate specifying the nature of the policyholder’s disability and the date when diagnosis was made.
  • Birth Certificate of policyholder issued within three months after the notification to FEIC(ASIA) Limited.
  • Bank Identifier Code of policyholder.
  • Declaration of Salaries paid by the employer during the 12-month period preceding the loss.
• In the event of Temporary Unfitness
  • Loss Declaration Completed in full by Policyholder.
  • Medical Declaration of Temporary Unfitness issued by Aeromedical Centre.
  • Medical Certificate from the policyholder’s doctor specifying nature of illness, disease, or health condition. Date of the first symptoms and estimated duration of incapacity.
  • Declaration of Salaries paid by the employer during the 12-month period preceding the Temporary Unfitness.
  • All supporting documentation concerning a partial salary or indemnity received from elsewhere. (Social protection body or supplementary insurance.)
• In the event of Permanent loss of licence
  • Certificate of Mental and Physical Fitness specifies that the policyholder does not meet the conditions require for the profession,
  • Decision from the Aeromedical Centre pronouncing permanent unfitness,
  • Medical Diagnosis accepted for permanent unfitness,
  • Copy of initial leave certificate and, if applicable, extension leave certificate and medical certificate showing decision of temporary unfitness issued by a competent medical body that led to permanent unfitness
  • Birth Certificate of policyholder issued within three months after the date of withdrawal of the policyholder.
  • Declaration of Salaries paid by the employer during the 12-month period preceding the loss.
  • Bank Identifier Code of policyholder.

3. Claim Submission – Complete the claim form accurately and attach the supporting documentation. Ensure that all required information is included to avoid delays in the processing of your claim.
4. Claim Evaluation – Once your claim is received, we may contact you for additional information if necessary.
5. Claim payment – If your claim is approved, the Policy provider will initiate payment according to terms of the Policy.