Insurance Claims Filing Guide

How to File a Critical Illness Claim

• Notification – Inform the insurer immediately after diagnosis of a covered condition. Check your policy for specific notification requirements and timeframes.

• Medical Documentation – Provide comprehensive medical evidence:
  - Doctor's reports confirming diagnosis
  - Test results and pathology reports
  - Hospital records
  - Completed physician's statement form

• Policy Documents – Submit:
  - Original policy document
  - Completed claim forms
  - Identification documents

• Assessment – The insurer reviews the medical evidence to confirm the diagnosis meets policy definitions. They may request additional information or an independent medical examination.

How to File a Disability Claim

• Immediate Notification – Inform the insurer as soon as possible after becoming disabled. There is typically an elimination period (waiting period) before benefits begin.

• Medical Evidence – Provide thorough documentation:
  - Physician's statement detailing disability
  - Medical records and test results
  - Treatment plans and prognosis
  - Proof of regular medical care

• Employment Information – Submit:
  - Employer's statement
  - Income documentation (pay stubs, tax returns)
  - Job description and duties

• Ongoing Verification – For continuing disability benefits, expect to provide regular updates on medical condition and any other income received.