Personal Accident Claim

Personal Accident Claim

If your company’s policy provides personal accident coverage, here is how you can make a claim.

Before submitting the claim

  • Please check with your company on the type of cover under your plan.
  • Disability or fracture benefit claims should be submitted within six months from the date of the injury that gave rise to the disability or fracture.

Submitting the claim

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Step 1: Prepare required documents

Please refer to the list of documents required for your claim type.

Disability claim

  1. Attending Medical Practitioner's Statement, to be completed by the attending physician
  2. Medical reports, investigations reports, laboratory reports and hospital discharge summary
  3. Medically boarded out letter, if any
  4. Newspaper clipping and police/accident report, if applicable

Please note that the list of documents above is not exhaustive. Other documents may be requested if necessary.

  1. Attending Physician's Statement (Total and Temporary Disability Benefit), to be completed by the attending physician
  2. Medical reports, investigations reports, laboratory reports and hospital discharge summary
  3. Newspaper clipping and police/accident report, if applicable

Please note that the list of documents above is not exhaustive. Other documents may be requested if necessary.

  1. Attending Physician's Statement (Total and Temporary Disability Benefit), to be completed by the attending physician
  2. Medical reports, investigations reports, laboratory reports and hospital discharge summary
  3. Newspaper clipping and police/accident report, if applicable

Please note that the list of documents above is not exhaustive. Other documents may be requested if necessary.

Medical expenses claim

  1. Original final medical bills and receipts [1]
  2. Hospital discharge summary (if there is hospitalisation/surgery)
  3. Medical reports, if available
  4. Police report, if any
  5. Copy of reimbursement letter/discharge voucher from previous reimbursement, if any

Please note that the list of documents above is not exhaustive. Other documents may be requested if necessary.

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Step 2: Download and complete claim form

Medical/Accident/Living/Total and Permanent Disability claim form

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Step 3: Submit the completed claim form and required documents

Please submit your completed claim form and documents to your company’s Human Resource Department (or your union/association) for their endorsement. Your company or organisation’s insurance administrator will then submit the claim to Income on your behalf.

For smoother claims processing, please submit your claim within 30 days from the date of the occurrence.

After claim submission

We settle most claims within 14 working days after we receive all documents required.

For claims which require further clarification, we will need more time to review your claim. For such cases, we will keep you informed.

Important Notes

Footnotes

 
  1. How to tell if your hospital/medical bills are original and final:
    a. The bill is a final bill, not an estimated or interim bill.
    b. The bill is an original copy, not a duplicate or a photocopy/scanned copy.
    c. There is no outstanding amount due to the medical institution.
    d. The amount covered by Medisave is approved, if applicable.
    e. The amount covered by MediShield / your Private Shield plan is reflected on the bill, if applicable.
Information is correct as of 06 December 2016