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How to submit a claim
Should any claimable events covered by the policy occur, the Policyholder or Beneficiary can submit a claim according to the guidelines below. After we collect the necessary documents of proof, we will pay the Policyholder or Beneficiary according to policy terms.
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Death claim of life insurance
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Death claim of life insurance
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Document(s) required
《Death Claim Form》
《Self Certification Form – Individual (For Claims)》
- Original Policy
If unable to provide original policy，should submit the：
《Policy Lost Declaration》
- ID of the Insured
- ID cancellation proof of the Insured (applicable to Macau or Hong Kong resident passed away in Mainland China and overseas)
- ID of the beneficiary
- Address Proof of Beneficiary
- Relationship proof of the Insured and beneficiary
- Registration of Death
- Death Report
- Death certificate
- Notarial certificate of death (applicable to events occurred in Mainland China)
- Proof of death certificate issued by the local consulate (applicable to events occurred overseas)
- Medical certificate for cause of death (applicable to events occurred in Mainland China)
- Household certificate cancelled proof (applicable to claims occurred in Mainland China)
- Funeral and cremation proof (applicable to events occurred in Mainland China and overseas)
- Trustee documents/certificate of guardianship (if applicable)*
- Letter of Administration / Grand of Probate (if applicable)*
- Medical or hospital records of insured (if applicable) *
- Autopsy report (if necessary) *
- Police report (applicable to accidental death) *
Remarks
All proof documents for death claims should be certified true copies. You can obtain certified true copy by certified the original document by bank staff / insurance intermediary / our customer service staff / Solicitors.
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Critical Illness / Major Sickness
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Critical Illness / Major Sickness
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Document(s) required
《Critical Illness Claim Form - Cancer》
《Critical Illness Claim Form - Stroke》
《Critical Illness Claim Form - Heart Attack》
《Critical Illness Claim Form - Heart Valve Replacement》
《Critical Illness Claim Form – Brian Damage》
《Critical Illness Claim Form – Carcinoma-in-Situ or Early Malignancies》
《Critical Illness Claim Form – Benign Brian Tumour》
《Critical Illness Claim Form – Autism》
《Critical Illness Claim Form – Kawasaki Disease》
《Critical Illness Claim Form - Others》
《Self Certification Form – Individual (For Claims)》
- Original Policy
If unable to provide original policy，should submit the
《Policy Lost Declaration》
- ID of the Insured and claimant （certified true copy）
- Copy of diagnosis report and test report related to the critical illness
- Inpatient medical record issued by Hospital in Mainland China (with the official chop of Hospital）*
- Discharge summary issued by Hospital in Mainland China (with official chop of Hospital) *
- Outpatient Booklet of Mainland China Hospital*
- All test reports done during the Hospitalization in Mainland China（with official chop of Hospital）*
Remarks
- Customer may submit the application through customer portal
Try it now 
- Different critical illness may need different diagnosis reports, details please refer to the policy provision.
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Accident Medical Expenses/Disability
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Accident Medical Expenses/Disability
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Document(s) required
《Accident Claim Form》
- ID of the Insured （certified true copy）
- ID of the Policyholder (Insured is not Policyholder) （certified true copy）
- Discharge slip/sick leave certificate/medical certificate with clear exact diagnosis (applicable to treatment received in hospitals of the Hospital Authority of Hong Kong)
- Discharge summary(applicable to treatment received in Mainland China)
- Original medical receipts and statement of account(applicable to accidental medical /hospital expenses & accidental hospital income^)
- Labour Assessment Certificate / Employer confirmation letter for sick leave record (applicable to accidental weekly income/accidental dismemberment)
- Settlement advice from other insurer/ party (applicable to 2nd claim)*
- Diagnosis report / laboratory test report (such as pathological report , blood test report , PET Scan/CT Scan/MRI report , ECG report , ultrasound report and X-ray report etc.)*
- Police report and/or traffic accident report*
- Physiotherapy / occupational therapy report*
- Newspaper clipping*
- Copy of referral letter issued by registered medical practitioner / Hospital*
Remarks
- Customer may submit the application through customer portal Try it now
We may arrange our designated doctor to conduct a medical examination if needed
^ Only copy of receipt needed for Hospital Income claim
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Waiver of Premium/ Payor Benefit
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Waiver of Premium/ Payor Benefit
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Document(s) required
《Waiver of Premium / Payor Benefit Claim Form》
- ID of the Insured （certified true copy）
- ID of the Policyholder (Insured is not Policyholder) （certified true copy）
- Copy of diagnosis report and test report for the Insured / Payor
- Sick leave certificate issued by registered medical practitioner
- Police report and police statement(applicable to traffic accident or any permanent disability caused by accident)
- Labour Assessment Certificate
- Physiotherapy / occupational therapy report *
- Certificate of injury or disability / death *
Remarks
- Customer may submit the application through customer portal Try it now
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New Born Baby Bonus
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New Born Baby Bonus
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Document(s) required
《Time Lady Insurance Claim Form》
- ID of the Policyholder
- Certified true copy of birth certificate
Remarks
- Customer may submit the application through customer portal Try it now
- No claim form needed if claim submitted through customer portal
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Share Happiness Reward
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Share Happiness Reward
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Document(s) required
《Application for Share Happiness Rewaed》
- ID of the Policyholder
- ID of the Insured
- True copy of certified documents
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Hospitalization Medical Expenses / Hospital Income
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Hospitalization Medical Expenses / Hospital Income
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Document(s) required
《Hospitalization Claim Form》
- ID of the Insured （certified true copy）
- ID of the Policyholder (Insured is not Policyholder) （certified true copy）
- Discharge slip/sick leave certificate/medical certificate with clear exact diagnosis (applicable to hospitalization in hospitals of the Hospital Authority of Hong Kong)
- Discharge summary(applicable to hospitalization in Mainland China)
- Original hospital receipt and statement of account
- Diagnosis report and test report during hospitalization (such as pathological report, blood test report, PET Scan/CT Scan/MRI report, ECG report, ultrasound report and X-ray report etc.)*
- Settlement advice from other insurer/ party (applicable to 2nd Claim)*
Remarks
- Customer may submit the application through customer portal Try it now
- Only copy of receipt needed for Hospital Income claim.
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Other claims
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Other claims
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Document(s) required
- Please call our Customer Service Hotline