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Claiming Your Safety Net: A Guide to Using Your Benefits
Knowing how to claim your benefits is just as important as buying the policy. Whether it is a minor hospital stay or a major life event, being prepared ensures that the financial support you planned for is there when you need it most.
- 2 mins read
Step 1
Notify Your Agent Immediately
Although companies are increasingly introducing digital channels in making a claim, your financial advisor remains your primary partner in the claims process and can guide you through your policy’s specific requirements.
Inform them as soon as an emergency happens so they can help you through the administrative process of filing a claim. They are trained to handle policyholder assistance to make the process much smoother for you and your family during stressful times.
Step 2
Keep a "Paper Trail" of the Insured Event
Insurance companies require proof to process a claim, so staying organized is key to a fast approval.
Always keep original copies of medical records, physician statements, and official receipts for hospital stays. In the case of accidents, a police report is often required to verify the details of the event.
Step 3
Maximize All Available Coverage
Your life insurance benefit can work alongside other health insurance provisions that can give you the best financial protection.
Process your HMO and PhilHealth benefits first to cover immediate hospital bills. Your life insurance claim can then serve as a supplemental source of funds to fully cover bills and avoid out-of-pocket costs, which could impact your savings.
How to Check for Existence of a Life Insurance Coverage
If a loved one passes with no certainty of existing insurance coverage on their life, the following could serve as basic steps to take:
Search for Records
Check in storage spaces for the presence of a physical copy of a policy contract or search in digital files for electronic records related to the possible existence of an insurance policy.
Contact the Source
If you recall past conversations about insurance, reach out to their known agent or call the customer service hotline of the insurance company directly, if known.”
If unsuccessful in these attempts, you may write the Philippine Life Insurance Association at their email address “plia@plia.org.ph” to check on the coverage inquiry process and requirements.
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