Accident and Illness related claims such as Daily Hospital Income, Disability, and Dismemberment and Fire Incident must be filed by the policyholder, or the person insured by the policy.

Death Claims may be filed by the beneficiary/ies designated under the insured’s policy contained in the insurance contract or by their legal representatives

There are three ways to report a claim:

1. By filling up the online claim notification form below.
2. By sending an email with your policy and claim   details to claims-ph@insuranceko.ph; or
3. If you have an existing account with us, click the human icon on the navigation bar located at the upper right corner to open your profile page. Click the active plans tab and click the Claim button to open the online claims notification form. Fill up the necessary information and submit.

Once we receive your notification, a Claim Service Specialist will contact you within 24-48 hours to assist you throughout the claims process.

The waiting period refers to the time period the insured is required to wait for, from the date of issue of the insurance policy, to be able to avail the benefits under the policy. The terms and conditions of a waiting period may vary per product.

Yes, you may file a claim under your active plans. Click the claims button and fill up the online form. A Claim Service Specialist will contact you to provide assistance. You may submit your claims requirements via email to claims-ph@insuranceko.ph

You can download the Claim Forms here.

The following are the basic claim requirements. Soft copies of these documents may be submitted to claims-ph@insuranceko.ph.

Life Claims

• Notice of Claim Form – forms will be provided
• Attending Physician Statement– forms will be provided
• Death certificate issued by Civil Registrar
• A government issued valid ID of the insured person and the beneficiary

Accidental Death Claims

• Notice of Claim Form – forms will be provided
• Attending Physician Statement – forms will be provided
• Death certificate issued by Civil Registrar
• A government issued valid ID of the insured person and the beneficiary

• Police Blotter Report/Incident Report

Accidental Disablement Claims

• Notice of Claim Form – forms will be provided
• Medical Certificate/Medical Abstract

• A government issued valid ID of the insured person and the beneficiary
• Police Blotter Report/Incident Report
• Photographs if there is amputation (whole body and close shot) showing the amputated parts of the body

Hospitalization Claims

• Government Issued valid ID of the insured person.
• Hospital discharge certificate or any other documents issued by the hospital providing detail such as date of admission, date of discharge, summary of diagnosis and treatment given. This can be your Hospital’s Statement of Account and medical certificate from your doctor.
• Police Blotter Report/Incident Report if due to accident

Fire and Lightning Claims

• Notice of Claim Form
• Bureau of Fire Protection Certification
• Picture of the damage portion of the house

A minor beneficiary cannot file a claim. The Legal guardian is the one authorized to file the claim on behalf of the minor beneficiary with the submission of a notarized legal guardianship form/affidavit and other pertinent legal documents.

In case of claim inquiries, kindly send them through our claim’s customer support email,  claims-ph@insuranceko.ph