How to Submit a Claim

  • 1. Complete the claim form
  • 2. Submit claim form together
         with supporting documents
         through your Financial
         Consultants or at the
         Customer Service Center
  • 3. Call or write to us if you
         have any queries
    •  

 

Type of Claim:

  1. 1. Death Claim
    • a) Natural causes (illness)
        1. Original or Certified True Copy of Death Certificate
        2. Original Policy Document
        3. Claimant Statement Download
        4. Clinical Abstract Application Form Download
        5. Medical Attendant Report (refer to note II) Download
        6. NRIC(s) of Claimant(s) under Section 61 of Insurance Act

         

        Claimant Documents Required (Original or Certified True Copy)
        Spouse Marriage Certificate
        Children Birth Certificate of Claimant
        Parent Birth Certificate of Deceased
        Sibling Birth Certificates of Deceased and Claimant
    • b) Accidental/ Unnatural Death
        1. Original or Certified True Copy of Death Certificate
        2. Original Policy Document
        3. Claimant Statement Download
        4. Clinical Abstract Application Form Download
        5. Medical Attendant Report Download
        6. Newspaper Clipping (if any)
        7. Police Report (if any)
        8. Post-Mortem Report (refer to note II)
        9. Coroner's Inquest Report (refer to note II)
        10. NRIC(s) of Claimant(s) under Section 61 of Insurance Act

         

        Claimant Documents Required (Original or Certified True Copy)
        Spouse Marriage Certificate
        Children Birth Certificate of Claimant
        Parent Birth Certificate of Deceased
        Sibling Birth Certificates of Deceased and Claimant
    • c) Death Abroad
        1. Original or Certified True Copy of Death Certificate
        2. Original Policy Document
        3. Claimant Statement Download
        4. Death Abroad Questionnaire Download
        5. Declaration of Identity Download
        6. Clinical Abstract Application Form Download
        7. Medical Attendant Report Download
        8. NRIC(s) of Claimant(s) under Section 61 of Insurance Act

         

        Claimant Documents Required (Original or Certified True Copy)
        Spouse Marriage Certificate
        Children Birth Certificate of Claimant
        Parent Birth Certificate of Deceased
        Sibling Birth Certificates of Deceased and Claimant
    • Note

        1. Original or Certified True Copy of death certificate and proof of entitlement must be produced at the Customer Centre and will be returned immediately after verification. Death Certificate certified by your lawyer or any Notary Public is also accepted.

          If death occurred abroad, the death certificate and all related documents must be authenticated by the Singapore Embassy. All non-English documents need to be translated into English by a certified translator. The translated documents must be authenticated by a Notary Public.

        2. Please submit all the relevant documents and we will process the claim upon receipt of all the required documents. The claims officer would review the case and advise whether the medical reports are required.

        3. Death Claim - Section 61 of the Insurance Act
          This Act allows an insurance company to pay an advance payment up to a maximum of $150,000 of the proceeds after claims admission to the proper claimant named as follows:

          Proper Claimant means:

          • Executor of a Will
          • Widow/ widower
          • Parent or Child
          • Brother or Sister
          • Nephew or Niece

          The balance proceeds will only be paid after the company receives the Estate Duty Clearance* and Grant of Probate/ Letter of Administration.

        4. Extraction of the medical reports is at the claimant's expense.

          * For death on or after 15 Feb 2008, Estate Duty is removed following a change in Estate Duty law. Hence, the Estate Duty Clearance Certificate is not required for payment of the balance proceeds. However the Grant of Probate/ Letter of Administration is still required.

  2. 2. Terminal Illness Claim
    • Terminal Illness Claims
        1. Terminal Illness Claim Form Download
        2. Laboratory Report
        3. Clinical Abstract Application Form Download
        4. Original Policy Document
  3. 3. Disability Claims
    • Disability Claims
        1. Disability Claim Form Download/ Disability Claim Form (Juvenile) Download
        2. Laboratory Report
        3. Clinical Abstract Application Form Download
        4. Original Policy Document
  4. 4. Crisis Cover Claim
    • Crisis Cover Claim
        1. Claim Form for different illnesses
          1 Alzheimer’s Disease / Severe Dementia Moderately severe Alzheimer’s Disease or Dementia - Download
          2 Angioplasty and other Invasive Treatment for Coronary Artery  -  - Download
          3 Apallic Syndrome  -  - Download
          4 Aplastic Anaemia Reversible Aplastic Anaemia  - Download
          5 Bacterial Meningitis Bacterial Meningitis with full recovery  - Download
          6 Benign Brain Tumour Surgical removal of pituitary tumour or Surgery for subdural haematoma  - Download
          7 Blindness (Loss of Sight) Loss of sight in one eye Optic Nerve Atrophy with low vision Download
          8 Coma Coma for 48 hours Severe Epilepsy or Coma for 72 hours Download
          9 Coronary Artery By-pass Surgery Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion   Download
          10 Deafness (Loss of Hearing) Partial loss of hearing or Cavernous sinus thrombosis surgery Cochlear implant surgery Download
          11 Diabetic Complications  -  - Download
          12 Encephalitis Encephalitis with full recovery  - Download
          13 End Stage Liver Failure Liver surgery Liver Cirrhosis Download
          14 End Stage Lung Disease Severe Asthma or Insertion of a Veno-cava filter Surgical removal of one lung Download
          15 Fulminant Hepatitis Hepatitis with Cirrhosis  - Download
          16 Heart Attack Cardiac pacemaker insertion or Pericardectomy Cardiac defibrillator insertion or Early Cardiomyopathy Download
          17 Heart Valve Surgery Percutaneous Valve Surgery  - Download
          18 HIV Due to Blood Transfusion and Occupationally Acquired HIV HIV due to Assault, Organ Transplant or Occupationally Acquired HIV  - Download
          19 Kidney Failure Surgical removal of one kidney or Chronic Kidney Disease  - Download
          20 Loss of Speech Loss of Speech due to neurological disease  - Download
          21 Major Burns Moderately severe burns  - Download
          22 Major Cancers -  Carcinoma in situ of specified organs-  Early Prostate Cancer
          -  Early Thyroid Cancer
          -  Early Bladder Cancer
          -  Early Chronic Lymphocytic Leukaemia
          -  Early Melanoma          		 Carcinoma in situ of specified organs treated with Radical Surgery Download
          23 Major Head Trauma Facial reconstructive surgery or Spinal cord injury  - Download
          24 Major Organ / Bone Marrow Transplantation Small bowel transplant; or Corneal transplant  - Download
          25 Motor Neurone Disease Early Motor Neurone Disease  - Download
          26 Multiple Sclerosis Early Multiple Sclerosis  - Download
          27 Muscular Dystrophy Moderately severe Muscular Dystrophy  - Download
          28 Paralysis  -  - Download
          29 Parkinson’s Disease Moderately severe Parkinson’s Disease  - Download
          30 Poliomyelitis  -  - Download
          31 Primary Pulmonary Hypertension Early Pulmonary Hypertension Secondary Pulmonary Hypertension Download
          32 Progressive Scleroderma Early Progressive Scleroderma Progressive Scleroderma with CREST syndrome Download
          33 Stroke Brain aneurysm surgery or Cerebral shunt insertion Carotid artery surgery Download
          34 Surgery to the Aorta Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm  - Download
          35 Terminal Illness  -  - Download
        2. Laboratory Report (e.g. Histology report for Cancer, ECG and Enzyme Assays for Heart Attack, CT/ MRI Brain for Stroke)
        3. Clinical Abstract Application Form Download
        4. Original Policy Document

         

        Note:

        1. If Angioplasty and other Invasive Treatment for Coronary Artery, Cancer, Coronary Artery Disease Requring Surgery, Diabetic Complications or Heart Attack, at all severity levels, occurs 90 days from the date of issue of benefit or at the date of reinstatement, Crisis Cover Benefit will not be payable.
        2. For Crisis Cover Extra, Crisis Cover Provider, PRUmultiple crisis cover and Early Stage Crisis Cover claim, Life Assured must survive 30 days from the date of diagnosis for benefit to be payable.
  5. 5. Crisis Cover Kids Claim
    • Crisis Cover Kids Claim
        1. Claim Form for different illnesses
        2. Laboratory Report
        3. Clinical Abstract Application Form Download

        Note:

        1. For Crisis Cover Kids, life assured must survive 30 days from the date of diagnosis for benefits to be payable.
  6. 6. PruSmart Lady Claim
    • PruSmart Lady Claim
        1. Claim Form for different illnesses / medical procedures
          1. Female Illnesses
            • Systemic Lupus Erythematosus (SLE) with Lupus Nephritis Download
            • Malignant Cancer/ Carcinoma in-situ Download
            • Rheumatiod Arthritis Download
            • Chronic Auto-Immune Hepatitis Download
            • Osteoporosis requiring surgery or repair Download
            • Urinary Incontinence requiring surgical repair/ Uterine Prolapse/ Pelvic relaxation requiring surgical repair Download
          2. Medical Procedures
            • Medical procedure due to malignant condition/ Complicated repair of vaginal fistula Download
          3. Reconstructive Surgery or Skin Grafting
            • Breast reconstructive surgery following Mastectomy Download
            • Facial reconstructive surgery due to an accident Download
            • Skin grafting due to major burns/ skin cancer Download
          4. Pregnancy Complications
          5. Congenital Illnesses
          6. Hospital Care Benefit
            • Hospital Care due to Incubation/ Premature birth Download
        2. Laboratory Report
        3. Clinical Abstract Application Form Download

        Note:

        1. Please note the waiting period under each benefit.
        2. For Congenital Illnesses benefit, the illness must be diagnosed within 2 years from the date of delivery of the child and the child must survive 30 days from the date of delivery for the benefit to be payable.
  7. 7. PruMum2Be Claim
    • PruMum2Be Claim
        1. Claim Form for different illnesses / medical procedures
          1. Death of Life Assured Benefit
          2. Pregnancy Complications
          3. Congenital Illnesses
          4. Hospital Care Benefit
            • Hospital Care due to Incubation/ Premature birth or Hand, Foot and Mouth Disease Download
        2. Laboratory Report
        3. Clinical Abstract Application Form Download

         

        Note:

        1. If Death of foetus occurred within 14 days from the Cover Start Date of the policy, the Pregnancy Complication benefit will not be payable.
        2. For Congenital Illnesses benefit, the illness must be diagnosed within 2 years from the date of delivery of the child and the child must survive 30 days from the date of delivery for the benefit to be payable.
  8. 8. Comprehensive Personal Accident Benefit
    • Comprehensive Personal Accident Benefit

      1. a. Accidental Death Claim (see section on Death Claim)

        b. Accidental Dismemberment

        • Total disability (see section on Disability Claim)
        • Partial Disability
          1. Comprehensive Personal Accident Claim Form Download
          2. Clinical Abstract Application Form Download
          3. Police Report

        c. Weekly Income

        1. Comprehensive Personal Accident Claim Form Download
        2. Medical Certificates for the absence of work (minimum 7 days)
        3. Clinical Abstract Application Form Download
        4. Police report

        d. Medical Reimbursement

        1. Comprehensive Personal Accident Claim Form Download
        2. Medical Bills
        3. Clinical Abstract Application Form Download
        4. Police report
  9. 9. Weekly Hospital Benefit/ Hospital Cash / Medical Cash Benefit/ PruMedical Cash
    • Weekly Hospital Benefit/ Hospital Cash / Medical Cash Benefit/ PruMedical Cash
        1. Accident Benefit/ Hospitalisation Claim Form Download
        2. Clinical Abstract Application Form Download
        3. Hospitalisation Bills

        Note:

        1. For Weekly Hospital Benefit, we do not pay if the confinement is within 6 weeks of the cover start date of this benefit or of the date of any reinstatement.
        2. For Hospital Cash Benefit, we do not pay for any illness which occurs within 30 days of the cover start date of this benefit or of the date of any reinstatement or which occurs while the life assured is age 2 and below.
  10. 10. Surgical & Nursing Loan Benefit
    • Surgical & Nursing Loan Benefit

      1. This benefit is an interest free loan to pay for medical expenses incurred as a result of a surgical operation performed on the life assured.

        1. Surgical & Nursing Loan Form Download
        2. Medical Bills or Receipts
        3. Clinical Abstract Application Form Download

        Note:

        1. Exclusion: dental treatment, pregnancy related illness, cosmetic purpose or Aids related

  11. 11. PruParent Benefit Claims
    • PruParent Benefit Claims

      1. a. Death

        • Please follow the requirements under Death Claim

        b. Hospital Room and Board

        1. PruParent Benefit Claim Form Download
        2. Clinical Abstract Application Form Download
        3. Original Hospital Bills
        4. Accidental/ HB/ Surgical Procedure Medical Report (if necessary) Download

        c. Surgical Procedure

        1. PruParent Benefit Claim Form Download
        2. Clinical Abstract Application Form Download
        3. Original Hospital Bills
        4. Accidental/HB/Surgical Procedure Medical Report (if necessary) Download

        d. Long Term Care

        1. PruParent Benefit Claim Form Download
        2. Clinical Abstract Application Form Download
        3. Long Term Care Benefit Assessment Report Download
  12. 12. Unemployment Cover Claims
    • Unemployment Cover Claims
        1. Unemployment Cover Claim Form Download
        2. Original Retrenchment letter from the employer
        3. Original Employment letter from the employer

         

  13. 13. PruHospital Income Claim Form
    • PruHospital Income Claim Form
        1. PruHospital Income Claim Form Download
        2. Clinical Abstract Application Form Download
        3. Original Hospital Bills
        4. Medical Certificates
        5. Accidental/ HB/ Surgical Procedure Medical Report Download
  14. 14. PruShield & PruShield Extra Claim
    • PruShield & PruShield Extra Claim
      1. PruShield Claim
        1. Inpatient and Day Surgery benefits
        2. Outpatient Hospital benefits
        3. Other benefits (refer to Note I)
        4. Pre and Post Hospitalisation benefits ( refer to Note II)
          1. PruShield Pre and Post Hospitalisation Claim Form Download
          2. Original Medical Bills

        All claims on Inpatient and Day Surgery benefits, Outpatient Hospital Benefits and Other benefits of the PruShield Plan have to be submitted through electronic submission by completing the Claim Form for Medisave-Approved Intergated Plan at the hospitals or clinics.

        Please click here for the list of Medical Institutions participating in MediShield Scheme for electronic submission.

        Note:

        1. For Other benefits - Final Expense Provision benefit, if the death of the life assured occurred within 30 days of discharge from the hospital as a result of the cause of the hospitalisation, please submit the claim by completing the PruShield Pre and Post Hospitalisation Claim Form.

        2. Pre-Hospitalisation Specialist Consultation and Services has to be incurred within 90 days before the life assured is confined to hospital. Post-Hospitalisation Follow-up Treatment and Services has to be incurred within 90 days following discharge from hospital.


        PruShield - Foreigner Claim/Emergency Oversea Hospitalisation Claim

        1. PruShield Claim Form - Manual Submission (refer to note I) Download
        2. Certified true copy of passport
        3. Certified true copy of employment pass or dependent pass and relevant documents showing that the life assured has legal right to stay in Singapore.
        4. Original final hospital bill, Pre and Post hospitalisation bills
        5. Clinical Abstract Application Form Download

        Note:

        1. PruShield Claim Form (Manual Submission) is for submission of claim by life assured who is hospitalised in oversea for emergency treatment or foreigner covered under PruShield-Foreigners plan.

         

        PruShield Extra Claim

        1. PruShield Extra Claim Form Download
        2. Original Final Hospitalisation Bill
  15. 15. PruFracture Care Claim
    • PruFracture Care Claim
        1. PruFracture Care Claim Form Download
        2. Clinical Abstract Application Form Download
        3. Laboratory Report (e.g. x-ray report, MRI/ CT scan report, Operation report)

          4. For a claim on Mobility Aid benefit
        4. Original medical bills and receipts (if claim is on Mobility Aid benefit)
        5. Written prescription from the life assured's medical practitioner for the purchase of the mobility aid (if the claim is on Mobility Aid benefit)

          6. For a claim on House Fitting benefit
        6. Copy of medical certificate indicating the period of disability
        7. Original tax invoice for the House Fitting Expenses
        8. Written certification from the life assured's medical practitioner from rehabilitative services or such similar professional recommending that House Fitting is reasonably necessary

          9. For a claim on Recovery benefit
        9. Copy of the hospital confinement bill

        Note:

        X-ray report is a mandatory requirement for a claim on fracture benefit.