Making a life insurance claim can be a daunting process during a difficult time. This guide provides a clear, step-by-step approach to help you navigate the process smoothly.

Step 1: Gather the necessary basic information

• Policy number: Locate the policyowner’s life insurance policy number.
• Death certificate: Obtain a certified true copy of the death certificate, which is typically required for processing claims.
• Personal identification: Proof of identity of claimant and beneficiary, such as a NRIC or passport.

Step 2: Review the policy

• Understand the policy coverage: Review the terms of the life insurance policy to understand the coverage amount and any specific requirements for filing a claim.
• Check for designated beneficiaries: This will impact who can file the claim and receive the claim payout.

Step 3: Contact the insurer immediately

• Reach out promptly: To notify them of the policyholder's death and initiate the claims process.
• Enquire about the claims process: Inquire about the specific documents and forms required for filing the claim.

Step 4: Complete the claim forms

• Obtain relevant claim forms: Request the necessary claim forms from the insurer, either online or through a Financial Adviser Representative.
• Complete the claims forms: Carefully complete the claim forms, providing accurate and complete information with any additional documentation requested by the insurer.

Step 5: Submit the claim and follow up closely

• Compile required documents: Refer to Step 1 and gather all necessary documents required for the claims processing.
• Submit the claim: Submit the completed claim forms and required documents to the insurer and ensure you keep a duplicate of all submissions for your records.
• Stay in touch: Regularly check in with the claims department for updates on the status of your claim. Be prepared to provide any additional information they may request.

Step 6: Receive the payout

• Review the Settlement: Once the claim is approved, you will receive the claim payout. Review the settlement details to ensure everything is correct.
• Ask about payment options: Enquire about how the payout will be made (lump sum, instalments, etc) and discuss any tax implications with a Financial Advisor Representative if necessary.

You may find out more information on our Life Insurance Claim Requirements here.

Conclusion

By following the steps outlined in this guide, your claims will be processed promptly, allowing you to focus on what truly matters—caring for your loved ones during a challenging time. At China Taiping Singapore, our life insurance plans are designed to provide the financial security and support you need through all of life’s stages. Rest assured, with us, you are in good hands.