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ShopCare | ClinicCare | BeautyCare | CafeCare | OfficeCare | SMECare
VEHICLE
What to do when car accident happens
  1. Stay calm and not be angry. Move to somewhere safe and check if anyone requires assistance.
  2. Under the Motor Claims Framework introduced by the General Insurance Association (GIA), you are required to file a GIA report within 24 hours of the accident either through our Preferred Workshops or Approved Reporting Centres (ARC) regardless of whether you intend to claim on your own car policy or not, or whether your vehicle is damaged or not.
  3. Contact us at 1800-LIBERTY (5423 789)
    Do not admit liability, sign any promissory note agreeing to pay for damages or allow any towing service to take your vehicle away.

    Obtain details of third party and any witness(s) i.e. name, NRIC no., address, contact no., vehicle no. and name of third party’s insurer. Take photos of accident scene. Where possible, show the extent of damage to each vehicle and positions of both vehicles. Keep any video clips showing how accident happens as proof of evidence.

When to make a police report

Do make a police report in the following situations:

  • Any party is conveyed by ambulance to hospital or given 3 days’ outpatient medical leave
  • Government or foreign registered vehicles are involved
  • Government property is damaged (e.g. lamp post, tree)
  • A cyclist or pedestrian is involved, whether injured or not 
  • Vehicle is stolen or vandalized
In the event of a vandalism or windscreen claim (accident or non-accident)

Please duly complete, print and send the following form to us:

Please mail the original documents to us at 51 Club Street Liberty House Singapore 069428.

In the event of a non-traffic accident (e.g. flood, fire or theft)

Please file a GIA report within 24 hours of the accident either through our Preferred Workshops or Approved Reporting Centres (ARC).

Other Frequently Asked Questions
  • Why do I have to lodge an accident claim report?
    It is important for you to report within 24 hours so that we can handle your claim quickly without delay. It is a breach of policy condition for non-reporting and this may lead to repudiation of liability which means that you do not get protection under your policy. In addition, any non-compliance of this policy condition will result in a loss of your No-Claim Discount (NCD) upon renewal of your policy.
  • If I have no intention of making any claim or my vehicle is not damaged, do I still have to report the accident?
    You should make a report for record purpose.  If there is no claim submitted against you, your No-Claim Discount (NCD) will not be affected.
  •  I received a Writ of Summons from the third party, what do I do?
    Please submit the document immediately to Liberty Insurance as there is a timeline of 8 days for us to respond quickly with the appropriate action.
  • I have settled the claim with the third party, should I inform Liberty on details of the private settlement?
    Yes, please furnish details of the private settlement to Liberty for recording purposes.
  • How do I make a third party claim against the other vehicle?
    If you are involved in an accident but the third party is fully at fault, you may wish to claim against the other party for your losses. You can send your vehicle to any of our Preferred Workshops. If the other party is fully at fault, the workshop will repair your vehicle and claim on your behalf.
  •  Do I have to report all accidents to the Traffic Police?
    In case of accident involving injuries, government vehicle, government property, a cyclist or pedestrian or a foreign vehicle, please report the accident to the Traffic Police. Otherwise it is not necessary to report to the Traffic Police.
  •  What is the claims procedure if I have an accident in Malaysia?
    Please lodge a police report in Malaysia and provide the details to Liberty upon your return.  Please also file an accident report at any of our Preferred Workshops.
  • What is a third party policy excess?
    In the event that there is a claim and a settlement under your policy, you will have to pay the third party policy excess subject to the policy terms and conditions.
Business Property & Business Activities
How to file a claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428

What are the supporting documents required (Fire & Extraneous Perils | Plate Glass | Burglary | Contractor/Erection All Risks | Money | Consequential Loss | All Risks | Electronic Equipment | Industrial All Risks | Boiler and Pressure Vessels | Machinery Breakdown Consequential Loss | Machinery Breakdown)?
  • Duly completed Miscellaneous Claim Form
  • Police report, wherever applicable
  • Photographs/Proof* of damaged items
  • Quotations, receipts and tax invoices of items claimed                                            

*Please note the Insured should take reasonable precaution to mitigate the loss/damage as far as practicable (i.e. photographs, preserving evidence, segregating/removing non-damaged items).

What are the supporting documents required (Public Liability | Carrier’s & Warehousemen’s Liability | Fidelity Guarantee | Performance Bonds | Contractor/Erection All Risks | Products Liability | Professional Indemnity | Contractors’ Plant and Machinery)?
  • Duly completed Miscellaneous Claim Form
  • Police report, wherever applicable
  • Photographs/Proof* of items claimed
  • Quotations, receipts and tax invoices of items claimed 
  • Writ of Summons, if any

Please note the Insured is not to admit any liability whatsoever to the third party and forward any/all third party correspondence(s) to Liberty Insurance.

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • What should I do if an accident giving rise to a claim occurs?

    Notify Liberty Insurance or your producer immediately. Liberty Insurance will appoint independent adjusters to look into the matter, when necessary.

    However, it is also necessary of you to take immediate action to mitigate the loss by taking necessary measures to minimize and/or prevent further loss/damage.
  • When do I need to lodge a police report?
    Please lodge a police report if your property is lost/damaged by theft/break-in or if a criminal malicious act is involved. Do take photos of the forced entry/break-in and submit together with the Claim Form, police report and other relevant documents.
  • What is excess/deductible under my policy?
    That portion of costs that has to be borne by you for each claim made as specified in your policy.
  • What is basis of settlement?

    If the policy is on indemnity basis, the claim amount payable is derived by taking into account depreciation and wear & tear. If the policy is on replacement value basis, the claim amount payable is new replacement value of the same form without depreciation or wear & tear.

    If there is any improvement or betterment to the original property, deductions shall be made on the said replacement value to reflect such improvement or betterment.
  • What is under-insurance?
    If the sum insured is less than the value of the insured property at the time of loss, the claim amount will be reduced in proportion to the under-insurance.
  • What should I do if an incident occur rise to a potential claim against me?
    Notify Liberty Insurance or your producer immediately, followed by written claim submission (together with relevant documents). We will appoint loss adjusters to look into the matter, when necessary.
  • What should I do if I receive a Writ of Summons?
    Forward the Writ of Summons to Liberty Insurance immediately, indicate the date & time you received the same. A legal representative is required to enter appearance on your behalf within 8 days from the date it is served on you, to avoid any prejudice to your legal position.
  • Will the Public Liability policy pay for legal costs and expenses if a third party sues me?
    Yes. The policy indemnifies you for all costs and expenses of litigation recoverable by the third party as well as legal costs and expenses (with our consent and if you are legally liable for accidental bodily injury to persons or accidental loss/damage to property and subject to terms & conditions of the policy).
  • Can I negotiate settlement with the third party?
    No. Do not negotiate or make any admission, offer, promise or payment without the written consent of Liberty Insurance in connection with the claim. Forward to us immediately upon receipt all correspondences received from the third party regards their claim against you/your servant/agent for our further handling.
  • What happens if I already compensated the third party without Liberty Insurance written consent? Can I still seek reimbursement under my policy?
    If you had already done so, you would have prejudiced your/our legal position. We may repudiate the claim as this constitutes a breach of policy condition. However you may submit to us the required documents for our consideration, subject to policy terms & conditions.
  • What does a Fidelity Guarantee policy cover?
    This type of policy indemnifies you if you suffer direct pecuniary loss arising from any act or fraud or dishonesty committed by an employee covered under the policy.
Business Property
How to file a claim

Please duly complete, print and send the following form to us with the supporting documents as soon as the happening of an event giving rise to a claim:

Please mail the original documents (including original medical tax invoice) to us at 51 Club Street Liberty House Singapore 069428.

Arrange for survey immediately. Request Carrier/Bailees to attend joint survey when necessary.

  • For imports, please contact Liberty Insurance at claims@libertyinsurance.com.sg or by phone 1800-LIBERTY (5423 789)
  • For exports, please contact the survey agent listed on the Insurance Certificate/Policy
  • To clause delivery receipt if goods received in doubtful condition (to preserve your rights) against the Carrier/Bailees
  • For missing/damaged goods, submit your claim immediately or send written notice to the Carrier/Bailees/Port Authorities
  • Send a written notice to Carrier/Bailees within 3 days of the delivery of the cargo if the loss or damage was not apparent at the time of delivery
What are the supporting documents required?
  • Duly completed Miscellaneous Claim Form
  • Insurance Certificate/Policy
  • Commercial Invoice/Packing List
  • Bill of Lading/Airway (with terms & conditions on the reverse side)
  • Correspondences exchanged with Carrier and other relevant parties regarding liability for the loss/damage
  • Survey report or other documentary evidence to show extent of loss/damage
  • Delivery Note/Receipt/Order
  • Repair/Replacement Quotations
  • Claim bill

Please note additional documents may be required (not limited to) e.g. cargo manifest, vessel out-turn report, inspection/technical/QC reports, tally sheet, police report for theft/hijack cases.

Other Frequently Asked Questions
  • Typically what does Marine Cargo insurance covers?
    Marine Cargo insurance typically affords compensation to the insured/shipper/consignee at an agreed value (provided the claimant has an Insurable Interest on the goods at the time of loss) for any accidental loss/damage (subject to policy terms & conditions) vide typical transportation mode of Air, Sea, Land (Road, Rail, Truck, Lorries etc)
  • What is excess/deductible under my policy?
    The portion of costs that has to be borne by you for each claim made as specified in your policy.
  • My cargo is found damaged overseas, what should I do?
    Notify the surveyors stated in the policy certificate immediately or inform your customer to contact the surveyor directly. Alternatively, you can contact 1800-LIBERTY (5423 789) or email us at claims@libertyinsurance.com.sg. We will gladly assist you.
  • Why must I return the original bill of lading, policy certificate or airway bill upon settlement of my claim?
    These documents must be returned so that the rightful claimant/party to the cargo can be properly identified at the point of claim.
Fidelity Guarantee
How to file Fidelity Guarantee claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

 

What are the supporting documents required
  • Incident report
  • Police report
  • Documentary proof showing money misappropriated by employee

 Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

TourCare Plus | BizTraveler
How to file a Travel claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from end date of your trip:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

For emergency assistance overseas

Please call the following helpline (Asia Assistance):

  • (+65) 6636 1131
What are the supporting documents required?
  • Copy of e-Ticket and boarding pass or the relevant page(s) of the passport showing entry into or exit from the country of visit
  • Specific documents relevant to the nature of your claim e.g. Trip Cancelation, Overseas Medical Expenses, Travel Delay, Trip Curtailment–please refer to the Travel Claim Form for these documents

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • Are photocopies of my original receipts/invoices acceptable for the purpose of processing my claim?
    No. Original receipts/invoices are required in order to process the Travel claim.
  • I suffer from pre-existing medical conditions. Can I claim for related medical expenses incurred during the trip?
    No. Policy excludes the following:
  1. All forms of pre-existing medical conditions that have been diagnosed, received treatment or prescribed with drugs within 6 months preceding the trip
  2. Any hospitalization within 12 months prior to commencement of the trip or for which you have prior knowledge before commencement of the trip

 

  • What should I do if I lose my personal belongings, money or travel documents during my trip?
    If the loss arose because of robbery, burglary or theft, you should lodge a police report or report the loss to the local authority, within 24 hours after the incident.
  • If I have multiple travel policies and have already received compensation from another insurance company for the same incident, will I still be able to make a claim under Liberty’s travel policy?
    No. If you have other insurance providing cover for the same loss, damage or liability, Liberty will not be liable to pay except for any excess beyond any amount which would have been payable under the policy had this insurance not been effected.
  • If I am pregnant, am I covered for any medical treatment incurred overseas?
    No. The policy excludes any compensation for pregnancy and any complications arising thereform.
  • If I fell sick and did not seek treatment during my trip, can I claim for medical expenses if I seek treatment in Singapore?
    Yes, if medical treatment is seek within 3 days upon your return to Singapore.
  • If I am pregnant, am I covered for medical expenses overseas?
    Yes, medical expenses incurred overseas are covered only if:
  1. Insured/claimant is more than 12 weeks/after the 1st trimester pregnancy
  2. Treatment for pregnancy is sought overseas
  3. Policy is for 2 way trip (return trip)

The overseas trip or activities carried out overseas are not done against the medical advice from Insured’s/claimant’s medical practitioner in Singapore.

proMedico | proMediCare
How to file a Medical claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from date of treatment in hospital:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

What are the supporting documents required?
  1. For Private Hospital:
  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Attending physician/specialist to complete page 3 and 4 of the Medical Claim Form 
  • Original official final and itemized medical bill(s) (including but not limited to) Hospital Tax Invoices, attending physician bills, Pre & Post Hospital Tax Invoices, medical/specialist reports and settlement letter from other insurers if bill(s) partially paid

2.For Restructured Hospital:

  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Submit Inpatient Discharge Summary
  • Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • Can I go to any physician or hospital I want?
    Yes, subject to limits and benefits as set out in the policy.
  • What is the grace period to submit a claim?
    Claims must be lodged within 30 days from date of occurrence. If the claim is submitted after 30 days, we will need valid reasons for delay in reporting.
  • Do you cover the cost of obtaining medical certificates needed to support the claim?
    No. Liberty does not pay for any medical report(s) obtained from hospital/clinic/doctor. Proof of illness/injury will be at the expense of the insured/claimant.
  • Can I email Liberty the scanned documents instead?
    No. The documents can be scanned and emailed to us however we will need the original copies to process the claim.
  • I am claiming from 2 insurance companies. What is the procedure?
    Please indicate in the Medical Claim Form that you are lodging a claim with another insurance company. Please submit a copy of the settlement advice and tax invoices in order for us to reimburse the balance (subject to policy terms & conditions). The reimbursement should not exceed the total amount that you have incurred.
  • How much can I claim from my policy?
    This depends on the benefit entitlement in your policy. Please refer to the Schedule of Benefits.
  • I have multiple admissions in hospital. How do I submit the claim?
    Each admission or surgery must be accompanied by a Medical Claim Form. Claim form is not required for follow-up visits with the same doctor/hospital.
  • What is a deductible/co-insurance?
    The portion of costs for which insured person/claimant is responsible for. The deductible/co-insurance is applicable for each & every diagnosed medical condition for which a claim is made within any one policy year.
  • What is the minimum number of hours to be confined in hospital in order to lodge a claim?
    For day surgery cases, there is no minimum number of hours to be eligible for a claim. However for non-surgical admissions, you can submit the claim for assessment when you are charged for a full day Room & Board.
  • When I utilize my Medisave account to pay for my treatment, how will my claim be reimbursed?
    Payment made from a Medisave account will be refunded to the respective Medisave account accordingly.
Medical-Foreign Worker
How to file a Medical-Foreign Worker claim

Please duly complete, print and send the following form to us with the supporting document:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

What are the supporting documents required?

1.For Private Hospital:

  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Attending physician/specialist to complete page 3 and 4 of the Medical Claim Form 
  • Original official final and itemized medical bill(s) (including but not limited to) Hospital Tax Invoices, attending physician bills, Pre & Post Hospital Tax Invoices, medical/specialist reports and settlement letter from other insurers if bill(s) partially paid

2.For Restructured Hospital:

  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Submit Inpatient Discharge Summary
  • Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid
  • Copy of Work Permit

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • Can a medical claim be submitted if worker was admitted in hospital or underwent surgery as a result of industrial accident?

    No. Medical expenses incurred as a result of work injury should be claimed under Work Injury Compensation insurance. 

  • Will treatment before and after worker’s admission/surgery be payable?

    Outpatient services incurred 90 days prior to surgery/admission and 90 days after discharge are payable up to policy limits. Please refer to policy wordings for details on what are payable under the Pre-Hospitalization and Post-Hospitalization benefits.

  • Can worker seek treatment overseas?

    The policy provides 24 hours coverage within Singapore only.

  • What is the grace period to submit a claim?
    Claims must be lodged within 31 days from date of discharge after occurrence of any hospitalization or surgery. If the claim is submitted after 31 days, we will need valid reasons for delay in reporting.
  • Do you cover the cost of obtaining medical certificates needed to support the claim?
    We will pay up to S$80.25 for original medical report received with the original invoice, provided it is a payable claim.
  • What is Pro Ration factor?

    In the event that the worker is admitted in a award higher than the Plan entitlement or to Private Hospital for treatment, the hospital medical expenses payable under the Policy will be reduced by the percentages stated below subject to the limits stated in the Schedule of Benefits:

    Private Hospitals                                   45%

    A1 Class in Restructured Hospitals      35%

    A2 Class in Restructured Hospitals      25%

    B1 Class in Restructured Hospitals      15%

  • What is a Special Grant benefit?

    It is a compensation amount paid out in the event of death of the Insured Worker for an Injury or Illness during or after treatment at a Hospital or in a Day Surgery Ward. This compensation is payable for a non work related Injury or Illness within Singapore only, which does not arise out of and/or in the course of employment.

  • Can I email Liberty the scanned claim documents for the officer to process the claim?

    The documents can be scanned and emailed to us as a claim notification. However we require the original documents to process the claim.

Work Injury Compensation
How to file a Work Injury Compensation claim

Please duly complete, print and send the following form to us with the supporting document:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

What are supporting documents required
  • Duly completed Miscellaneous Claim Form
  • I-Report(s) to Ministry Of Manpower (MOM)
  • Police report (where necessary & relevant)
  • Salary vouchers for 12 months preceding date of accident
  • Original medical receipts/tax invoices/receipts
  • Original medical leave certificates
  • Work permit (foreign workers)
  • Contract value/invoice for project works, if you are a sub-contractor
Other Frequently Asked Questions
  • When is the employee entitled to the new compensation limits?
    The new compensation limits are applicable to accidents occurring after June 1, 2012.
  • When must an injured employee file a claim if he/she wishes to seek compensation under Work Injury Compensation Act (WICA)?
    An employee has up to one (1) year from date of accident to submit a claim for work injury compensation to MOM.
  • How would MOM determine if an employee is injured in a fight is eligible for work injury compensation?
    MOM will examine the facts of each case to determine the admissibility of a claim.
  • Why is MOM disallowing compensation for employees injured in work-related fights, particularly if it arose over a dispute over work-related matters?
    While work-related disputes between co-workers may arise from time-to-time, they should not resort to fights to resolve them and employers should not have to bear the cost of the injury, given WICA is a no-fault system.

    With the WICA amendments though, employers injured in work-related fights will still be eligible for compensation provided these injuries were sustained due to the following:

  • in the act of self-defence
  • while defending another individual
  •  while acting under employer’s instructions or consent to break-up a fight
  • safeguard lives or property or maintain law & order or
  • as a result of an assault to which he did not retaliate
  • Would notifying MOM of a possible work-related disease constitute admission of the claim?
    No. The claim would only be admitted after MOM has conducted its investigation and concluded the disease is indeed work-related.
  • Why is MOM introducing a new occupational disease of “Disease caused by excessive heat”?
    Currently claims for injuries from exposure to excessive heat at work (e.g. heat stroke) are already admissible under WICA.

    The amendment to the Second Schedule provides greater clarity that such injuries are compensable as an occupational disease.

  • What recourse does an employee have if he is diagnosed with an occupational disease within the time-limit but the employer is no longer in operation?
    If the employer is no longer in operation, the employee may approach MOM to seek assistance for financial aid.
  • What recourse does an employee have if he commences common law suit and realizes that he is unlikely to succeed in his common law claim?
    Under WICA, injured employees have one (1) year from date of accident to decide whether to pursue their claim under WICA or under common law.

    Employees may choose to revert to WICA even after filing a common law claim, as long as this is done within one (1) year of the accident.

    Even if the common law suit was initiated within one (1) year of the accident and the accident is assessed to be compensable under WICA, the employee can request the court to assess the WICA compensation due to the employee (minus costs) and direct the employer to pay compensation.

  • Under WICA, is the employer liable for costs of medical treatment received overseas?
    The employer is liable for the said costs received overseas if the accident happened when the employee was working overseas and immediate medical treatment was needed.
  • Are self-employed persons covered under WICA?
    No.
  • Can an injured employee file a claim under WICA as well as sue his employer in the civil courts for damages arising from the injury (common law action)?
    No. The injured employee may either file a claim under WICA or sue his employer in the civil courts for damages.

    However the injured employee may still withdraw his claim under WICA and initiate a civil action/common law action.

    He must withdraw his WICA claim within twenty-eight (28) days after the Commissioner serves him with the Notice of Assessment (NOA) informing him of the compensation amount.

    Thereafter employee/employer/insurer has up to fourteen (14) days to accept or object the NOA. Possible scenarios:

  • Accept NOA–employer/insurer has up to twenty-one (21) days to make payment. Matter resolved. No common law claim.
  • One or more parties Object NOA – employee has further fourteen (14) days (or up to twenty-eight (28) days after the service of NOA) to decide if he wishes to proceed or withdraw his claim.
  • Once decides to proceed with the claim then he will no longer be able to sue his employer under common law action.
  • If the employee decides to sue under common law action instead of claiming under WICA then he should withdraw his claim under WICA in order to commence civil action.
Insurance Packages
How to file a Insurance Package claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.

1.For loss or damage to building, renovations, improvements, contents, consequential loss, rental expenses, money, public liability, goods in transit, deterioration of stock, fidelity guarantee claim

2.For Work Injury Compensation claim

3.For Personal Accident claim

Please mail the original documents to us at 51 Club Street Liberty House Singapore 069428
Please contact us or your agent in case of fire and water damage.

What are the supporting documents required

1.For claims on loss or damage to building, renovations, improvements, contents, consequential loss, rental expenses, deterioration of stock

  • Photographs of damaged item
  • Assessment report from repairer on the cause and extent of damage
  • Original invoice/receipt of the lost or damage property
  • Two quotations for repair/replacement of the loss or damaged item
  • Police report if claiming for theft or malicious damage
  • Rent receipt showing additional expenses incurred for alternative premises/storage equipment (for Rental Expenses claim)

2. Public Liability

  • Letter of claim or letter of demand from third party
  • Writ of summon received from third party

Please note the Insured is not to admit any liability whatsoever to the third party and forward any/all third party correspondence(s) to Liberty Insurance.

3.Personal Accident

  • For death claim:
  • Death certificate, autopsy report, coroner’s findings, proof of relationship between insured & claimant (i.e. copy of marriage/birth certificate)
  • For permanent disability claim
  • Medical/specialist report

4.Loss of Money/ Theft/Fidelity Guarantee

  • Incident report
  • Police report
  • Documentary proof for amount of money lost
  • Purchase invoices showing cost price (in case of theft of contents)
  • Documentary proof showing money misappropriated by culprit

5.Work Injury Compensation

  • I -report(s) to Ministry Of Manpower (MOM)
  • Police report (where necessary & relevant)
  • Salary vouchers for 12 months preceding date of accident
  • Original medical receipts/tax invoices/receipts
  • Original medical leave certificates
  • Work permit (foreign workers)
  • Contract vlue/invoice for project works, if you are a sub-contractor

6.Goods in Transit

  • Insurance Certificate/Policy
  • Commercial Invoice/Packing List
  • Bill of Lading/Contract of Carriage
  • Correspondences exchanged with Carrier and other relevant parties regarding liability for  the loss/damage
  • Survey report or other documentary evidence to show extent of loss/damage
  • Delivery Note/Receipt/Order
  • Repair/Replacement Quotations
  • Claim bill

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

CLAIMS
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VEHICLE
Commerical Vehicle | Vehicle Renting/Leasing | Motor Trade
BUSINESS PROPERTY & BUSINESS ACTIVITIES
BUSINESS PROPERTY
Marine Cargo
Employees
Insurance Packages
ShopCare | ClinicCare | BeautyCare | CafeCare | OfficeCare | SMECare
VEHICLE
What to do when car accident happens
  1. Stay calm and not be angry. Move to somewhere safe and check if anyone requires assistance.
  2. Under the Motor Claims Framework introduced by the General Insurance Association (GIA), you are required to file a GIA report within 24 hours of the accident either through our Preferred Workshops or Approved Reporting Centres (ARC) regardless of whether you intend to claim on your own car policy or not, or whether your vehicle is damaged or not.
  3. Contact us at 1800-LIBERTY (5423 789)
    Do not admit liability, sign any promissory note agreeing to pay for damages or allow any towing service to take your vehicle away.

    Obtain details of third party and any witness(s) i.e. name, NRIC no., address, contact no., vehicle no. and name of third party’s insurer. Take photos of accident scene. Where possible, show the extent of damage to each vehicle and positions of both vehicles. Keep any video clips showing how accident happens as proof of evidence.

When to make a police report

Do make a police report in the following situations:

  • Any party is conveyed by ambulance to hospital or given 3 days’ outpatient medical leave
  • Government or foreign registered vehicles are involved
  • Government property is damaged (e.g. lamp post, tree)
  • A cyclist or pedestrian is involved, whether injured or not 
  • Vehicle is stolen or vandalized
In the event of a vandalism or windscreen claim (accident or non-accident)

Please duly complete, print and send the following form to us:

Please mail the original documents to us at 51 Club Street Liberty House Singapore 069428.

In the event of a non-traffic accident (e.g. flood, fire or theft)

Please file a GIA report within 24 hours of the accident either through our Preferred Workshops or Approved Reporting Centres (ARC).

Other Frequently Asked Questions
  • Why do I have to lodge an accident claim report?
    It is important for you to report within 24 hours so that we can handle your claim quickly without delay. It is a breach of policy condition for non-reporting and this may lead to repudiation of liability which means that you do not get protection under your policy. In addition, any non-compliance of this policy condition will result in a loss of your No-Claim Discount (NCD) upon renewal of your policy.
  • If I have no intention of making any claim or my vehicle is not damaged, do I still have to report the accident?
    You should make a report for record purpose.  If there is no claim submitted against you, your No-Claim Discount (NCD) will not be affected.
  •  I received a Writ of Summons from the third party, what do I do?
    Please submit the document immediately to Liberty Insurance as there is a timeline of 8 days for us to respond quickly with the appropriate action.
  • I have settled the claim with the third party, should I inform Liberty on details of the private settlement?
    Yes, please furnish details of the private settlement to Liberty for recording purposes.
  • How do I make a third party claim against the other vehicle?
    If you are involved in an accident but the third party is fully at fault, you may wish to claim against the other party for your losses. You can send your vehicle to any of our Preferred Workshops. If the other party is fully at fault, the workshop will repair your vehicle and claim on your behalf.
  •  Do I have to report all accidents to the Traffic Police?
    In case of accident involving injuries, government vehicle, government property, a cyclist or pedestrian or a foreign vehicle, please report the accident to the Traffic Police. Otherwise it is not necessary to report to the Traffic Police.
  •  What is the claims procedure if I have an accident in Malaysia?
    Please lodge a police report in Malaysia and provide the details to Liberty upon your return.  Please also file an accident report at any of our Preferred Workshops.
  • What is a third party policy excess?
    In the event that there is a claim and a settlement under your policy, you will have to pay the third party policy excess subject to the policy terms and conditions.
Business Property & Business Activities
How to file a claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428

What are the supporting documents required (Fire & Extraneous Perils | Plate Glass | Burglary | Contractor/Erection All Risks | Money | Consequential Loss | All Risks | Electronic Equipment | Industrial All Risks | Boiler and Pressure Vessels | Machinery Breakdown Consequential Loss | Machinery Breakdown)?
  • Duly completed Miscellaneous Claim Form
  • Police report, wherever applicable
  • Photographs/Proof* of damaged items
  • Quotations, receipts and tax invoices of items claimed                                            

*Please note the Insured should take reasonable precaution to mitigate the loss/damage as far as practicable (i.e. photographs, preserving evidence, segregating/removing non-damaged items).

What are the supporting documents required (Public Liability | Carrier’s & Warehousemen’s Liability | Fidelity Guarantee | Performance Bonds | Contractor/Erection All Risks | Products Liability | Professional Indemnity | Contractors’ Plant and Machinery)?
  • Duly completed Miscellaneous Claim Form
  • Police report, wherever applicable
  • Photographs/Proof* of items claimed
  • Quotations, receipts and tax invoices of items claimed 
  • Writ of Summons, if any

Please note the Insured is not to admit any liability whatsoever to the third party and forward any/all third party correspondence(s) to Liberty Insurance.

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • What should I do if an accident giving rise to a claim occurs?

    Notify Liberty Insurance or your producer immediately. Liberty Insurance will appoint independent adjusters to look into the matter, when necessary.

    However, it is also necessary of you to take immediate action to mitigate the loss by taking necessary measures to minimize and/or prevent further loss/damage.
  • When do I need to lodge a police report?
    Please lodge a police report if your property is lost/damaged by theft/break-in or if a criminal malicious act is involved. Do take photos of the forced entry/break-in and submit together with the Claim Form, police report and other relevant documents.
  • What is excess/deductible under my policy?
    That portion of costs that has to be borne by you for each claim made as specified in your policy.
  • What is basis of settlement?

    If the policy is on indemnity basis, the claim amount payable is derived by taking into account depreciation and wear & tear. If the policy is on replacement value basis, the claim amount payable is new replacement value of the same form without depreciation or wear & tear.

    If there is any improvement or betterment to the original property, deductions shall be made on the said replacement value to reflect such improvement or betterment.
  • What is under-insurance?
    If the sum insured is less than the value of the insured property at the time of loss, the claim amount will be reduced in proportion to the under-insurance.
  • What should I do if an incident occur rise to a potential claim against me?
    Notify Liberty Insurance or your producer immediately, followed by written claim submission (together with relevant documents). We will appoint loss adjusters to look into the matter, when necessary.
  • What should I do if I receive a Writ of Summons?
    Forward the Writ of Summons to Liberty Insurance immediately, indicate the date & time you received the same. A legal representative is required to enter appearance on your behalf within 8 days from the date it is served on you, to avoid any prejudice to your legal position.
  • Will the Public Liability policy pay for legal costs and expenses if a third party sues me?
    Yes. The policy indemnifies you for all costs and expenses of litigation recoverable by the third party as well as legal costs and expenses (with our consent and if you are legally liable for accidental bodily injury to persons or accidental loss/damage to property and subject to terms & conditions of the policy).
  • Can I negotiate settlement with the third party?
    No. Do not negotiate or make any admission, offer, promise or payment without the written consent of Liberty Insurance in connection with the claim. Forward to us immediately upon receipt all correspondences received from the third party regards their claim against you/your servant/agent for our further handling.
  • What happens if I already compensated the third party without Liberty Insurance written consent? Can I still seek reimbursement under my policy?
    If you had already done so, you would have prejudiced your/our legal position. We may repudiate the claim as this constitutes a breach of policy condition. However you may submit to us the required documents for our consideration, subject to policy terms & conditions.
  • What does a Fidelity Guarantee policy cover?
    This type of policy indemnifies you if you suffer direct pecuniary loss arising from any act or fraud or dishonesty committed by an employee covered under the policy.
Business Property
How to file a claim

Please duly complete, print and send the following form to us with the supporting documents as soon as the happening of an event giving rise to a claim:

Please mail the original documents (including original medical tax invoice) to us at 51 Club Street Liberty House Singapore 069428.

Arrange for survey immediately. Request Carrier/Bailees to attend joint survey when necessary.

  • For imports, please contact Liberty Insurance at claims@libertyinsurance.com.sg or by phone 1800-LIBERTY (5423 789)
  • For exports, please contact the survey agent listed on the Insurance Certificate/Policy
  • To clause delivery receipt if goods received in doubtful condition (to preserve your rights) against the Carrier/Bailees
  • For missing/damaged goods, submit your claim immediately or send written notice to the Carrier/Bailees/Port Authorities
  • Send a written notice to Carrier/Bailees within 3 days of the delivery of the cargo if the loss or damage was not apparent at the time of delivery
What are the supporting documents required?
  • Duly completed Miscellaneous Claim Form
  • Insurance Certificate/Policy
  • Commercial Invoice/Packing List
  • Bill of Lading/Airway (with terms & conditions on the reverse side)
  • Correspondences exchanged with Carrier and other relevant parties regarding liability for the loss/damage
  • Survey report or other documentary evidence to show extent of loss/damage
  • Delivery Note/Receipt/Order
  • Repair/Replacement Quotations
  • Claim bill

Please note additional documents may be required (not limited to) e.g. cargo manifest, vessel out-turn report, inspection/technical/QC reports, tally sheet, police report for theft/hijack cases.

Other Frequently Asked Questions
  • Typically what does Marine Cargo insurance covers?
    Marine Cargo insurance typically affords compensation to the insured/shipper/consignee at an agreed value (provided the claimant has an Insurable Interest on the goods at the time of loss) for any accidental loss/damage (subject to policy terms & conditions) vide typical transportation mode of Air, Sea, Land (Road, Rail, Truck, Lorries etc)
  • What is excess/deductible under my policy?
    The portion of costs that has to be borne by you for each claim made as specified in your policy.
  • My cargo is found damaged overseas, what should I do?
    Notify the surveyors stated in the policy certificate immediately or inform your customer to contact the surveyor directly. Alternatively, you can contact 1800-LIBERTY (5423 789) or email us at claims@libertyinsurance.com.sg. We will gladly assist you.
  • Why must I return the original bill of lading, policy certificate or airway bill upon settlement of my claim?
    These documents must be returned so that the rightful claimant/party to the cargo can be properly identified at the point of claim.
Fidelity Guarantee
How to file Fidelity Guarantee claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

 

What are the supporting documents required
  • Incident report
  • Police report
  • Documentary proof showing money misappropriated by employee

 Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

TourCare Plus | BizTraveler
How to file a Travel claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from end date of your trip:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

For emergency assistance overseas

Please call the following helpline (Asia Assistance):

  • (+65) 6636 1131
What are the supporting documents required?
  • Copy of e-Ticket and boarding pass or the relevant page(s) of the passport showing entry into or exit from the country of visit
  • Specific documents relevant to the nature of your claim e.g. Trip Cancelation, Overseas Medical Expenses, Travel Delay, Trip Curtailment–please refer to the Travel Claim Form for these documents

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • Are photocopies of my original receipts/invoices acceptable for the purpose of processing my claim?
    No. Original receipts/invoices are required in order to process the Travel claim.
  • I suffer from pre-existing medical conditions. Can I claim for related medical expenses incurred during the trip?
    No. Policy excludes the following:
  1. All forms of pre-existing medical conditions that have been diagnosed, received treatment or prescribed with drugs within 6 months preceding the trip
  2. Any hospitalization within 12 months prior to commencement of the trip or for which you have prior knowledge before commencement of the trip

 

  • What should I do if I lose my personal belongings, money or travel documents during my trip?
    If the loss arose because of robbery, burglary or theft, you should lodge a police report or report the loss to the local authority, within 24 hours after the incident.
  • If I have multiple travel policies and have already received compensation from another insurance company for the same incident, will I still be able to make a claim under Liberty’s travel policy?
    No. If you have other insurance providing cover for the same loss, damage or liability, Liberty will not be liable to pay except for any excess beyond any amount which would have been payable under the policy had this insurance not been effected.
  • If I am pregnant, am I covered for any medical treatment incurred overseas?
    No. The policy excludes any compensation for pregnancy and any complications arising thereform.
  • If I fell sick and did not seek treatment during my trip, can I claim for medical expenses if I seek treatment in Singapore?
    Yes, if medical treatment is seek within 3 days upon your return to Singapore.
  • If I am pregnant, am I covered for medical expenses overseas?
    Yes, medical expenses incurred overseas are covered only if:
  1. Insured/claimant is more than 12 weeks/after the 1st trimester pregnancy
  2. Treatment for pregnancy is sought overseas
  3. Policy is for 2 way trip (return trip)

The overseas trip or activities carried out overseas are not done against the medical advice from Insured’s/claimant’s medical practitioner in Singapore.

proMedico | proMediCare
How to file a Medical claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from date of treatment in hospital:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

What are the supporting documents required?
  1. For Private Hospital:
  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Attending physician/specialist to complete page 3 and 4 of the Medical Claim Form 
  • Original official final and itemized medical bill(s) (including but not limited to) Hospital Tax Invoices, attending physician bills, Pre & Post Hospital Tax Invoices, medical/specialist reports and settlement letter from other insurers if bill(s) partially paid

2.For Restructured Hospital:

  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Submit Inpatient Discharge Summary
  • Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • Can I go to any physician or hospital I want?
    Yes, subject to limits and benefits as set out in the policy.
  • What is the grace period to submit a claim?
    Claims must be lodged within 30 days from date of occurrence. If the claim is submitted after 30 days, we will need valid reasons for delay in reporting.
  • Do you cover the cost of obtaining medical certificates needed to support the claim?
    No. Liberty does not pay for any medical report(s) obtained from hospital/clinic/doctor. Proof of illness/injury will be at the expense of the insured/claimant.
  • Can I email Liberty the scanned documents instead?
    No. The documents can be scanned and emailed to us however we will need the original copies to process the claim.
  • I am claiming from 2 insurance companies. What is the procedure?
    Please indicate in the Medical Claim Form that you are lodging a claim with another insurance company. Please submit a copy of the settlement advice and tax invoices in order for us to reimburse the balance (subject to policy terms & conditions). The reimbursement should not exceed the total amount that you have incurred.
  • How much can I claim from my policy?
    This depends on the benefit entitlement in your policy. Please refer to the Schedule of Benefits.
  • I have multiple admissions in hospital. How do I submit the claim?
    Each admission or surgery must be accompanied by a Medical Claim Form. Claim form is not required for follow-up visits with the same doctor/hospital.
  • What is a deductible/co-insurance?
    The portion of costs for which insured person/claimant is responsible for. The deductible/co-insurance is applicable for each & every diagnosed medical condition for which a claim is made within any one policy year.
  • What is the minimum number of hours to be confined in hospital in order to lodge a claim?
    For day surgery cases, there is no minimum number of hours to be eligible for a claim. However for non-surgical admissions, you can submit the claim for assessment when you are charged for a full day Room & Board.
  • When I utilize my Medisave account to pay for my treatment, how will my claim be reimbursed?
    Payment made from a Medisave account will be refunded to the respective Medisave account accordingly.
Medical-Foreign Worker
How to file a Medical-Foreign Worker claim

Please duly complete, print and send the following form to us with the supporting document:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

What are the supporting documents required?

1.For Private Hospital:

  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Attending physician/specialist to complete page 3 and 4 of the Medical Claim Form 
  • Original official final and itemized medical bill(s) (including but not limited to) Hospital Tax Invoices, attending physician bills, Pre & Post Hospital Tax Invoices, medical/specialist reports and settlement letter from other insurers if bill(s) partially paid

2.For Restructured Hospital:

  • Insured to complete page 1 and 2 of the Medical Claim Form
  • Submit Inpatient Discharge Summary
  • Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid
  • Copy of Work Permit

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • Can a medical claim be submitted if worker was admitted in hospital or underwent surgery as a result of industrial accident?

    No. Medical expenses incurred as a result of work injury should be claimed under Work Injury Compensation insurance. 

  • Will treatment before and after worker’s admission/surgery be payable?

    Outpatient services incurred 90 days prior to surgery/admission and 90 days after discharge are payable up to policy limits. Please refer to policy wordings for details on what are payable under the Pre-Hospitalization and Post-Hospitalization benefits.

  • Can worker seek treatment overseas?

    The policy provides 24 hours coverage within Singapore only.

  • What is the grace period to submit a claim?
    Claims must be lodged within 31 days from date of discharge after occurrence of any hospitalization or surgery. If the claim is submitted after 31 days, we will need valid reasons for delay in reporting.
  • Do you cover the cost of obtaining medical certificates needed to support the claim?
    We will pay up to S$80.25 for original medical report received with the original invoice, provided it is a payable claim.
  • What is Pro Ration factor?

    In the event that the worker is admitted in a award higher than the Plan entitlement or to Private Hospital for treatment, the hospital medical expenses payable under the Policy will be reduced by the percentages stated below subject to the limits stated in the Schedule of Benefits:

    Private Hospitals                                   45%

    A1 Class in Restructured Hospitals      35%

    A2 Class in Restructured Hospitals      25%

    B1 Class in Restructured Hospitals      15%

  • What is a Special Grant benefit?

    It is a compensation amount paid out in the event of death of the Insured Worker for an Injury or Illness during or after treatment at a Hospital or in a Day Surgery Ward. This compensation is payable for a non work related Injury or Illness within Singapore only, which does not arise out of and/or in the course of employment.

  • Can I email Liberty the scanned claim documents for the officer to process the claim?

    The documents can be scanned and emailed to us as a claim notification. However we require the original documents to process the claim.

Work Injury Compensation
How to file a Work Injury Compensation claim

Please duly complete, print and send the following form to us with the supporting document:

Please mail the original documents (including original medical tax invoices) to us at 51 Club Street Liberty House Singapore 069428.

What are supporting documents required
  • Duly completed Miscellaneous Claim Form
  • I-Report(s) to Ministry Of Manpower (MOM)
  • Police report (where necessary & relevant)
  • Salary vouchers for 12 months preceding date of accident
  • Original medical receipts/tax invoices/receipts
  • Original medical leave certificates
  • Work permit (foreign workers)
  • Contract value/invoice for project works, if you are a sub-contractor
Other Frequently Asked Questions
  • When is the employee entitled to the new compensation limits?
    The new compensation limits are applicable to accidents occurring after June 1, 2012.
  • When must an injured employee file a claim if he/she wishes to seek compensation under Work Injury Compensation Act (WICA)?
    An employee has up to one (1) year from date of accident to submit a claim for work injury compensation to MOM.
  • How would MOM determine if an employee is injured in a fight is eligible for work injury compensation?
    MOM will examine the facts of each case to determine the admissibility of a claim.
  • Why is MOM disallowing compensation for employees injured in work-related fights, particularly if it arose over a dispute over work-related matters?
    While work-related disputes between co-workers may arise from time-to-time, they should not resort to fights to resolve them and employers should not have to bear the cost of the injury, given WICA is a no-fault system.

    With the WICA amendments though, employers injured in work-related fights will still be eligible for compensation provided these injuries were sustained due to the following:

  • in the act of self-defence
  • while defending another individual
  •  while acting under employer’s instructions or consent to break-up a fight
  • safeguard lives or property or maintain law & order or
  • as a result of an assault to which he did not retaliate
  • Would notifying MOM of a possible work-related disease constitute admission of the claim?
    No. The claim would only be admitted after MOM has conducted its investigation and concluded the disease is indeed work-related.
  • Why is MOM introducing a new occupational disease of “Disease caused by excessive heat”?
    Currently claims for injuries from exposure to excessive heat at work (e.g. heat stroke) are already admissible under WICA.

    The amendment to the Second Schedule provides greater clarity that such injuries are compensable as an occupational disease.

  • What recourse does an employee have if he is diagnosed with an occupational disease within the time-limit but the employer is no longer in operation?
    If the employer is no longer in operation, the employee may approach MOM to seek assistance for financial aid.
  • What recourse does an employee have if he commences common law suit and realizes that he is unlikely to succeed in his common law claim?
    Under WICA, injured employees have one (1) year from date of accident to decide whether to pursue their claim under WICA or under common law.

    Employees may choose to revert to WICA even after filing a common law claim, as long as this is done within one (1) year of the accident.

    Even if the common law suit was initiated within one (1) year of the accident and the accident is assessed to be compensable under WICA, the employee can request the court to assess the WICA compensation due to the employee (minus costs) and direct the employer to pay compensation.

  • Under WICA, is the employer liable for costs of medical treatment received overseas?
    The employer is liable for the said costs received overseas if the accident happened when the employee was working overseas and immediate medical treatment was needed.
  • Are self-employed persons covered under WICA?
    No.
  • Can an injured employee file a claim under WICA as well as sue his employer in the civil courts for damages arising from the injury (common law action)?
    No. The injured employee may either file a claim under WICA or sue his employer in the civil courts for damages.

    However the injured employee may still withdraw his claim under WICA and initiate a civil action/common law action.

    He must withdraw his WICA claim within twenty-eight (28) days after the Commissioner serves him with the Notice of Assessment (NOA) informing him of the compensation amount.

    Thereafter employee/employer/insurer has up to fourteen (14) days to accept or object the NOA. Possible scenarios:

  • Accept NOA–employer/insurer has up to twenty-one (21) days to make payment. Matter resolved. No common law claim.
  • One or more parties Object NOA – employee has further fourteen (14) days (or up to twenty-eight (28) days after the service of NOA) to decide if he wishes to proceed or withdraw his claim.
  • Once decides to proceed with the claim then he will no longer be able to sue his employer under common law action.
  • If the employee decides to sue under common law action instead of claiming under WICA then he should withdraw his claim under WICA in order to commence civil action.
Insurance Packages
How to file a Insurance Package claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.

1.For loss or damage to building, renovations, improvements, contents, consequential loss, rental expenses, money, public liability, goods in transit, deterioration of stock, fidelity guarantee claim

2.For Work Injury Compensation claim

3.For Personal Accident claim

Please mail the original documents to us at 51 Club Street Liberty House Singapore 069428
Please contact us or your agent in case of fire and water damage.

What are the supporting documents required

1.For claims on loss or damage to building, renovations, improvements, contents, consequential loss, rental expenses, deterioration of stock

  • Photographs of damaged item
  • Assessment report from repairer on the cause and extent of damage
  • Original invoice/receipt of the lost or damage property
  • Two quotations for repair/replacement of the loss or damaged item
  • Police report if claiming for theft or malicious damage
  • Rent receipt showing additional expenses incurred for alternative premises/storage equipment (for Rental Expenses claim)

2. Public Liability

  • Letter of claim or letter of demand from third party
  • Writ of summon received from third party

Please note the Insured is not to admit any liability whatsoever to the third party and forward any/all third party correspondence(s) to Liberty Insurance.

3.Personal Accident

  • For death claim:
  • Death certificate, autopsy report, coroner’s findings, proof of relationship between insured & claimant (i.e. copy of marriage/birth certificate)
  • For permanent disability claim
  • Medical/specialist report

4.Loss of Money/ Theft/Fidelity Guarantee

  • Incident report
  • Police report
  • Documentary proof for amount of money lost
  • Purchase invoices showing cost price (in case of theft of contents)
  • Documentary proof showing money misappropriated by culprit

5.Work Injury Compensation

  • I -report(s) to Ministry Of Manpower (MOM)
  • Police report (where necessary & relevant)
  • Salary vouchers for 12 months preceding date of accident
  • Original medical receipts/tax invoices/receipts
  • Original medical leave certificates
  • Work permit (foreign workers)
  • Contract vlue/invoice for project works, if you are a sub-contractor

6.Goods in Transit

  • Insurance Certificate/Policy
  • Commercial Invoice/Packing List
  • Bill of Lading/Contract of Carriage
  • Correspondences exchanged with Carrier and other relevant parties regarding liability for  the loss/damage
  • Survey report or other documentary evidence to show extent of loss/damage
  • Delivery Note/Receipt/Order
  • Repair/Replacement Quotations
  • Claim bill

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.