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 (we will call for this document if it is required)
      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 (we will call for this document if it is required)
      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 (we will call for this document if it is required)
      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

      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

      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

      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/Extra Lite Claim
    • a) Inpatient/ Day Surgery/ Outpatient Hospital Treatment in Singapore for Singaporean and Singapore Permanent Resident

      All claims on Inpatient, Day Surgery and Outpatient Hospital Benefits (e.g Outpatient Cancer Treatment, Outpatient Renal Failure Treatment, Approved Immunosuppressant Drugs) have to be submitted through electronic submission by completing the Claim Form for Medisave-Approved Integrated Plan at the hospitals or clinics.

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

    • b) Inpatient/ Day Surgery/ Outpatient Hospital Treatment in Singapore for foreigner

      As the PruShield Foreigner plan is not integrated with the reformed Basic MediShield, submission of the claim has to be via manual submission, not electronic submission as hospitals would not have any records of the foreigner Life Assured.

      1. PruShield Claim Form (Manual Submission) and Specialist Doctor Report Download
      2. Original final hospital bill, tax invoice and receipt
      3. Clinical Abstract Application Form Download
      4. Copy of passport showing the life assured's personal particulars
      5. Copy of valid pass of the life assured
    • c) Emergency Medical Treatment outside Singapore

      This benefit will only be considered for Life Assured who requires Inpatient Hospital treatment as a result of Emergency Medical Treatment while oversea.

      1. PruShield Claim Form (Manual Submission) and Specialist Doctor Report Download
      2. Original final hospital bill, tax invoice and receipt
      3. Clinical Abstract Application Form Download
      4. Copy of passport showing the life assured’s personal particulars (only for foreigner)
      5. Copy of valid pass of the life assured (only for foreigner)
    • d) Planned Overseas Medical Treatment

      We pay for inpatient hospitalisation or day surgery expenses incurred by the life assured in selected Hospitals in Malaysia.

      The life assured must obtain referral from either of these two healthcare providers in Singapore: (1) Health Management International (HMI) or (2) Parkway Holdings Pte Ltd.

      1. PruShield Claim Form (Manual Submission) and Specialist Doctor Report Download
      2. Original final hospital bill, tax invoice and receipt
      3. Referral memo from referral centre at HMI Balestier Clinic or Parkway East Hospital
      4. Clinical Abstract Application Form Download
      5. Copy of passport showing the life assured’s personal particulars (only for foreigner)
      6. Copy of valid pass of the life assured (only for foreigner)

      Below is the list of Partnering Hospitals with the respective healthcare providers.

        Health Management International (HMI) Parkway Holdings Pte Ltd
      Referral Centre Balestier Clinic
      Tel: 65-63347283      		 Parkway East Hospital
      Tel: 65-63408694
      List of Partnering Hospitals in Malaysia
      1. Regency Specialist Hospital (Johor)
      2. Makhota Medical Centre (Malacca)
      1. Pantai Hospital KL
      2. Pantai Hospital Cheras (KL)
      3. Pantai Hospital Ampang (KL)
      4. Pantai Hospital Klang (Selangor)
      5. Pantai Hospital Ipoh
      6. Pantai Hospital Ayer Keroh
      7. Pantai Hospital Penang
      8. Pantai Hospital Batu Pahat (Johor)
      9. Pantai Hospital Sungai Petani (Kedah)
      10. Gleneagles Intan Medical Centres (KL)
      11. Gleneagles Hospital, KL
      12. Gleneagles Medical Centre (Penang)

    • e) Pre and Post-Hospitalisation Treatment

      Pre-hospitalisation Consultation and Services has to be incurred within 90 days or 180 days* before the Life Assured is confined to hospital.

      Post-hospitalisation Follow-up Treatment and Services has to be incurred within 90 days or 180 days* following discharge from hospital.

      1. PruShield Pre and Post-hospitalisation Benefit Claim Form Download
      2. Original final hospital bill, tax invoice and receipt
      3. Clinical Abstract Application Form Download
      4. Referral memo from last General Practitioner who referred the life assured to a Specialist. This is only applicable to those who are entitled to 180 days Pre/Post Hospitalisation benefit cover. For details of your coverage, please refer to your Policy Booklet.

      * Please refer to your policy booklet for entitlement of Pre and Post-Hospitalisation benefit.

    • f) Final Expense Provision Benefit

      If the death of the life assured occurred within 30 days following discharge from the hospital as a result of same cause of hospitalisation, we will waive the deductible and co-insurance amount up to maximum limit as set out in the Benefits Schedule.

      If the portion of the deductible and co-insurance has been fully paid under the PruShield Extra claim, the Final Expense Benefit claim will not be eligible as the life assured’s family cannot be indemnified for more than what has been incurred for the hospitalisation.

      1. Death Claim Claimant's Statement Download
      2. Original final hospital bill, tax invoice and receipt
      3. Certified true copy of death certificate
      4. Copy of NRIC of claimant
      5. Proof of relationship to deceased Life Assured (e.g. marriage certificate, birth certificate) 
    • g) PruShield Extra/ PruShield Extra Lite

      PruShield Extra or Extra Lite is a plan which complements the coverage offered by Main PruShield policy. You only need to file claim for deductible/co-insurance if they are not processed together with your main PruShield claim.

      1. PruShield Extra/ PruShield Extra Lite Claim Form Download
      2. Original final hospital bill, tax invoice and receipt
      3. Clinical Abstract Application Form Download

      For Special appliances & Prosthesis benefit under PruShield Extra plan, please substantiate the claim with doctor’s memo stating the reason of such purchase.

  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.