Business Insurance Claims

To ensure prompt processing of your claim, it is important that you submit a completed Claim Form together with the applicable documents to our Claims Department.

Please contact us at 6419 3000 so that we may appoint an examiner to look into the matter if warranted.

• It is the insured’s responsibility to take relevant measures to minimise any loss and or damage.
• Do not dispose of damaged items without our approval. If possible, take photographs of the damaged items.
• Please do not admit liability without our consent.
• Please submit the Claimant’s letter of intention to claim, writ of summons etc. immediately upon receipt. For writ of summons, please submit immediately as an appearance must be entered within 8 days of service of the writ.

A. Documents / information required for claims submission

• You should provide written notice, including details of the claim or circumstances that may reasonably be expected to give rise to a claim. This written notice should specify the reasons for the claim, or anticipating a claim, with full details of the dates and persons involved.
• You should supply copies of all relevant documentation including claimant's demand letter, writ of summons, statement of claims,  notice of interview by the regulatory authorities (e.g. CPIB,CAD), charge sheets, chronology of events, correspondence between you and the claimant.
• If defence lawyers are retained, you should notify us of the hourly rates charged by them, and provide a copy of their curriculum vitae (CV) and the budgeted costs of the defence, legal opinion advising on the merit of the claim, etc.
• You should provide copies of legal invoices and detailed narratives for any defence costs incurred.
• You should be prepared to supply any other information or documentation that we may request.

B. Notification Procedure

• You should notify us as soon as you/insured become aware of a claim or circumstances that may give rise to a claim.
• You should provide us with written notice of any claim first made against you/insured as soon as practicable and within the policy period or discovery period (if applicable).
• We will acknowledge receipt of the notification in writing.
• We will review the information provided and determine if it is sufficient for us to determine policy liability. During this process, we may request additional information or documentation from you.
• We may appoint an investigator, examiner or lawyer to investigate the events and circumstances leading to the claim.
• If the information provided or discovered is sufficient, we will communicate our decision of coverage position to you in writing
• You have the duty to defend a claim.
• You must not admit liability or enter into any settlement or incur defence costs without our prior written consent.
• In the event that a claim involves both covered matters and matters not covered under this policy, we will make a fair and proper allocation of any defence costs, judgments and/or settlements.

A. Documents / information required for claims submission

• You should provide written notice, including details of the claim or circumstances that may reasonably be expected to give rise to a claim. This written notice should specify the reasons for the claim, or anticipating a claim, with full details about the dates and persons involved.
• You should supply copies of all relevant documentation including claimant's demand letter, writ of summons, statement of claims,  chronology of events, correspondence between you and the claimant.
• If defence lawyers are retained, you should notify us of the hourly rates charged by them, and provide a copy of their curriculum vitae (CV) and the budgeted costs of the defence legal opinion advising on the merit of the claim, etc.
• You should provide copies of legal invoices and detailed narratives for any defence costs incurred.
• You should be prepared to supply any other information or documentation that we may request.

B. Notification Procedure

• You should notify us as soon as you/insured become aware of a claim or circumstances that may give rise to a claim.
• You should provide us with written notice of any claim first made against you/insured as soon as practicable and within the policy period or discovery period (if applicable).
• We will acknowledge receipt of the notification in writing.
• We will review the information provided and determine if it is sufficient for us to determine policy liability. During this process, we may request additional information or documentation from you.
• We may appoint an investigator, examiner or lawyer to investigate the events and circumstances leading to the claim.
• If the information provided or discovered is sufficient, we will communicate our decision of coverage position to you in writing
• You have the duty to defend a claim.
• You must not admit liability or enter into any settlement or incur defence costs without our prior written consent.
• In the event that a claim involves both covered matters and matters not covered under this policy, we will make a fair and proper allocation of any defence costs, judgments and/or settlements

Insurance covering for loss and/or damage of cargo whilst it is in transit from one country to another. Shipments can be via Sea, Air, Courier or Truck. Policies are tailored to suit individual Insured's needs. Coverage can be provided for an all risks (ICC A) or named perils (ICC C) basis.

A. Documents / information required for claims submission

• Your insurance policy or certificate or monthly declaration, whichever is applicable
• The commercial invoice, packing list, B/L (MAWB/HAWB) with terms and conditions
• If we do not assign a surveyor, you should provide a survey report or photographs to demonstrate the damage.
• Digital photographs are acceptable and can be sent to us via email
• Copy of claim letter addressed to liable party (airline/forwarder/shipping company)
• Statement of claim/salvage value/repair cost, if applicable
• Delivery documents with exceptions duly marked -- quantity/weight/description of cargo damage
• Other documents and/or information, if required

B. Useful Notes

Goods damaged or missing while taking delivery

• When you accept delivery, the goods and/or carrying container(s), as well as container seals should be externally examined at the site. If there are visible signs of damage, do not sign a clean receipt. You should note any visible or likely damage on the receipt and immediately inform the carriers in writing of their liability. You should then advise your insurance agent, broker, us, or the surveyor named in the insurance certificate, and provide copies of cargo receipts, loss notifications, and correspondence between you and the carrier and/or the carrier's agents.
• Goods that have been delivered without any apparent external irregularities should be unpacked as soon as possible and you should check for any concealed loss or damage. If loss or damage is discovered, document this, if possible, with digital photographs. Retain all shipping containers and packing materials for later inspection and documentation.
• If your claim involves water damage, you and/or the consignee should separate the damaged goods from the undamaged goods as soon as possible to prevent further water damage.
• Should an entire package go missing, the delivery receipt must be marked accordingly. Also, secure other substantiating evidence from the forwarder or carrier and inform them in writing without delay, of the loss. Include in this communication your intention to hold the forwarder or carrier liable for the loss. Do not sign a clean receipt if there are any irregularities or suspected irregularities. If you are required to sign a receipt, clearly describe the irregularities in writing on the receipt next to your signature.
• If damage or loss occurs during the transit, a claim letter should be filed. Written notice of loss should be given to carrier or forwarder or carrier's local representative within 3 days (by sea) or 14 days (by air) of cargo delivery.
• At all times, it is your duty to take reasonable measures to avert or minimize loss amount and to ensure that all rights against carriers, bailees or other third party are properly preserved and exercised.

Appointment of surveyors

• If the loss amount does not exceed US$2,000, no survey is necessary. You need to only provide photographs that demonstrate the severity and extent of the damage. Be sure your photographs record both the external damage to the packaging and the interior damage to the cargo.
• When the loss amount (as opposed to the affected cargo value) exceeds US$2,000, a survey is necessary. Please report such damage to our office without delay. We will assign a surveyor and pay the survey fee.

Work Injury Compensation Claim Notification Procedures

1. Online - For a faster and more streamlined claims process, we recommend you submit your claim online. Visit this page to submit your claim. Check the list of required supporting documents below and upload them with your claim submission.

2. Printed Document Submission Process

• Download and complete the AIG Work Injury Compensation Claim Form
• Attach a copy of the iReport* that was submitted to the Ministry of Manpower (MOM) (Please visit www.mom.gov.sg/ireport)
• Send both documents to us within 10 days of the work related injury or illness at:

AIG Asia Pacific Insurance Pte. Ltd.
Claims Department
AIG  Building
78 Shenton Way, #09-16
Singapore 079120

3. Required Claim Supporting Documents

This is a list of the basic documents that should be submitted along with the AIG Work Injury Compensation Claim Form and iReport. Complete documentation will assist our claims team in the claims assessment.

• Medical bills and medical certificates
• Copy of the Inpatient Discharge Summary (if the injured employee is hospitalised)
• Copy of the doctor’s memo (if the injured employee is seeking outpatient medical treatment)
• Copy of the injured employee’s work permit (if applicable)
• Copy of the Death Certificate (if applicable)

Reporting:

If employee was injured in a work accident or contracted a disease due to work exposure to biological / chemical agent resulting in any of the following:

For more information about work accident reporting, reporting requirements and how to submit a report, visit the MOM website at www.mom.gov.sg.

Claim Submission
You can submit your claims online or via mail.

Online Claim Submission
Please go to www.henner.com/aig/apac and upload a copy of these scanned documents:

• Completed claim form (including Section C)
• Itemized paid invoices and receipts
• Letter of prescription (for prescribed drugs)
• Referral letter (if applicable)
• If you have lodged a claim from any other insurers, please include a copy of the settlement letter

Please keep all the original claims documents for two years from the date of submission of the claim, as we may require them for verification.

Mail
Please download the PROHealth Claim Form and mail it to PROHealth Claims Team at Henner - GMC Services Asia Pacific Pte Ltd, together with these documents:

• Completed claim form (including Section C)   
• Original itemized paid invoices and receipts
• Letter of prescription (for prescribed drugs)
• Referral letter (if applicable)
• If you have lodged a claim from any other insurers, please include a copy of the settlement letter

Mail to:
Attn: PROHealth Claims Team
Henner – GMC Services Asia Pacific Pte Ltd
137 Telok Ayer Street, #07-01/02/03
Singapore 068602

For detailed claims instruction, please click here.

Direct Settlement Service for Outpatient Services

1. Please visit www.henner.com/aig/apac for the Henner - GMC Medical Network list
2. Download and print your Henner - GMC Direct Settlement card (your Henner - GMC Direct Settlement card is valid for 6 months)
3. Present your Henner - GMC Direct Settlement card, your Henner – GMC membership card and a photo ID to the medical provider under the Henner - GMC Medical Network list

Please note that cashless facility is available only for payable items indicated on the Direct Settlement card.

You are required to pay for any care not covered under the Direct Settlement Service. For care covered under your policy but excluded from this service, please refer to this link to submit claim.

For more details on Direct Settlement Service, please click here. 

Letter of Guarantee / Prior Agreement for Hospitalization Services

The Prior Agreement Form must be completed 10 days prior to the date scheduled for hospitalization and sent to:-

AIG Asia Pacific Insurance Pte. Ltd. (c/o Henner - GMC)
Email: aig.apac@henner.com
Fax: +65 6751 5047

In the event of a medically justified emergency, the Prior Agreement Form must be submitted within three days following admission. If Henner - GMC approves the hospitalization, it will issue, on behalf of AIG, a guarantee of direct payment, to the designated hospital.

Public Liability

A. Documents / information required for claims submission

• A completed liability claim form with a full description of the incident
• The incident report, witnesses' statements and details of any remedial action taken, if available
• A copy of the police report, if available
• The third party's name and contact details, if available
• Photographs showing the location of the accident and the extent of injury and/or damage sustained by any third party.
• Digital photographs are acceptable
• Any third party's letter, claim, writ, summons  shall be forwarded to us immediately

B. Useful Notes

• You should not admit liability, assume any obligation, or make any offer or payment without our prior written consent
  
• You should cooperate with our investigation,settlement or defense of the lawsuit
• You should assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to you because of the injury or damage to which this insurance may also apply.

A. Documents / information required for claims submission

• You should provide written notice, including details of the claim or circumstances that may reasonably be expected to give rise to a claim. This written notice should specify the reasons for the claim, or anticipating a claim, with full details about the dates and persons involved.
• You should supply copies of all relevant documentations including claimant's demand letter, writ of summons, statement of claims, judgment, chronology of events, correspondence between you and the claimant, legal opinion advising on the merit of the claim, etc.
• If defence lawyers are retained, you should notify us of the hourly rates charged by them, and provide a copy of their curriculum vitae (CV) and the budgeted costs of the defence
• You should provide copies of legal invoices and detailed narratives for any defence costs incurred
• You should be prepared to supply any other information or documentation that we may request

B. Notification Procedure

• You should notify us as soon as you/insured become aware of a claim or circumstances that may give rise to a claim
• You should provide us with written notice of any claim first made against you/insured as soon as practicable and within the policy period or discovery period (if applicable)
• You may also provide us with written notice of any circumstances that may reasonably be expected to give rise to a claim
• We will acknowledge receipt of the notification in writing
• We will review the information provided and determine if it is sufficient for us to determine policy liability. During this process, we may request additional information or documentation from you.
• We may appoint an investigator, examiner or lawyer to investigate the events and circumstances leading to the claim
• If the information provided or discovered is sufficient, we will communicate our decision of coverage position to you in writing
• You have the duty to defend a claim
• You must not admit liability or enter into any settlement or incur defence costs without our prior written consent
• In the event that a claim involves both covered matters and matters not covered under this policy, we will make a fair and proper allocation of any defence costs, judgments and/or settlements