Filing a Claim in case of Accidents

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

An Accident rider attached to your policy provides benefits on injuries resulting from an accident which may be payable even without a hospital confinement.

This benefit refers to policies with the following riders/ benefits:

1. Accident & Health Rider
2. Personal Accident Rider (PA),
3. Comprehensive Accident Indemnity Rider (CAIR), or
4. Medical Reimbursement (MR) Rider attached to your policy

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

Claim Requirements

• Duly accomplished claim forms:

1. Claimant Statement for Hospitalization / Medical Reimbursement
2. Certificate of Attending Physician for Hospitalization / Medical Reimbursement

• Original or Certified Copy of the Statement of Account from the Hospital
  • In the absence of the SOA, you may submit a Hospital Certification which should contain the inclusive confinement dates. This certification must be signed by an authorized personnel from the hospital’s Billing or Records Section and NOT by the Attending Physician.

• Official Receipts of Hospital Bills, if hospitalized
• Police Report regarding the accident. If unavailable, insured’s narration about the incident or statements of witnesses
• Photocopy of the Driver’s License, if insured is the driver involving a vehicular accident

Further Reminders

The processing of the claim begins when the basic claim forms and other related requirements are submitted to any Philam Life Office nationwide. Additional requirements may also be required as the company deem necessary in some instances.

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.