1. There are two types of claims: death and living claim.
· A death claim allows your beneficiaries to receive money if you die while the policy is still in force.
· A living claim gives your beneficiaries insurance benefits while you’re still alive but have developed a catastrophic or terminal illness.
2. These are the requirements when making a death claim:
· Death claimant statement form
· Death certificate of the insured
· One valid identification card of the claimant/s
· Marriage certificate (for a spouse beneficiary)
· Birth certificate of the child (for a child beneficiary)
· Birth certificate of the insured (for parents who are beneficiaries)
· Joint affidavit of two disinterested persons (for name discrepancies)
· Police investigation report (for accidental death)
· Death certificate of deceased beneficiaries (for any deceased beneficiaries)
· Attending physician statement (if death occurred within two years from policy issuance)
3. These are the requirements when making a living claim:
· Claimant statement form
· One valid ID of the claimant
· Attending physician statement form
· Depending on the living claim, other documents may be required:
Type of Living Claim
Official receipts of hospital bill (if hospitalized)
Police or incident report
Original or certified true copy of the statement of account
Medical records or diagnostic test results
Certified true copy of the Operating Room record (if surgery was performed)
Critical illness, Disability, or Dismemberment and loss of use
Complete medical records
4. Processing of claim begins once basic forms and other requirements are submitted.
· Submit the claim within five years from the time the incident occurred.
· Once your documents are received, we will start doing the benefit assessment and evaluating the claim. You will also be provided with commitment dates.
5. If the claim is approved, proceeds will be released through your registered mode of disbursement.
· Credit-to-Account (CTA) deposits the benefit directly to the enrolled bank account.
· Pick up Anywhere (PUA) allows the claimant to pick up the benefit from any BPI branch.