Death by Accident or Unnatural Means

What rider(s) should your policy have to be entitled to this type of claim?

This rider provides additional death benefits if death is caused by accident or violent means, subject to the provisions of the policy contract.

This benefit refers to the following riders/ benefits:

1. Accidental Death Benefit (ADB) Rider,
2. Comprehensive Accident Indemnity Rider (CAIR), or
3. Accident and Health (A&H) Rider/ Policy

Please refer to page 3 of your life insurance policy contract for your schedule of benefits and specific details.

Basic Requirements

• Death Certificate, duly certified by the Office of the Local Civil Registrar
• Birth Certificate of the insured or payor
• Philam Life Insurance Contract. If unavailable, submit affidavit of loss
• Police Report and/ or statements of witnesses
• Duly accomplished claim forms:

1. Deceased Information Form
2. Claimant Statement for Death Claim

Other Requirements

• Marriage Contract, if the spouse is a beneficiary
• Affidavit of Identity (for name discrepancy of insured/ beneficiary)
• Certificate of Attending Physician for contestable policies
• Certificate of Postmortem Examination or Autopsy Report, if available
• Birth Certificate of minor beneficiaries
• Judicial Bond for minor beneficiaries if proceeds are more than P50,000 each.
  • If a beneficiary is a minor, and whose share of the proceeds is greater than P50,000, a Petition for the approval of the bond shall be filed in the proper court where the minor resides.
  • In case other circumstances are present, the applicable laws found in the Civil Code of the Philippines shall apply.

Further Reminders

The processing of the claim begins when the beneficiary submits the basic claim forms and other related requirements to any Philam Life Office nationwide. Additional requirements may also be required as the company deem necessary in some instances such as discrepancies on the deceased insured’s or the beneficiary’s identity or related reports for accident cases.

Upon receipt of the required documentation, we will then begin the benefit assessment, evaluate the claim and provide you with commitment dates. You shall be notified of the final decision once available. If the claim is approved, proceeds may be released to the Philam Life office nearest you upon presentation of proper identification.