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Here you will learn what to expect when you first submit a claim, like what information you’ll need to have ready, where to submit it and any next steps.

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Claim Form - Group Life

Submit a Group Life claim

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Claim - Group Life content

Group Life Claims

What to expect when you submit a group life and personal accident claim

Step 1: Report incident

You report the incident, with the required documents.

Step 2: Claim assessment

Once you submit a notification of your documents to the HR companies, we can start your claim process. We record details of the incident, assess your case and email you with guidance on the next steps. Depending on the loss, we might need to come to review the damages in person.

Step 3: Receive claim reference number

Once the claim is opened, within a couple of days you will also receive an SMS with a claim reference number. Use this claim reference number to track the status of your claim throughout the process.

What documents you’ll need

First thing’s first. Make sure you have all of the right details and documents ready, so you can easily report the incident to us.

Depending on what you are submitting a group life and personal accident claim for, there are different requirements you will need.

If the claim is regarding death:

  • Claim form
  • Discharge slip
  • Accident report, if applicable
  • Police report, if applicable
  • Original death certificate or UAE-attested overseas report
  • Post mortem report
  • Medical report to confirm the diagnosis and medical history
  • Passport copy
  • Visa copy
  • Emirates ID copy
  • Repatriation bills copy
  • Disclaimer: We reserve the right to ask for additional documents or information, depending on a case by case basis.

If the claim is regarding temporary total disablement, due to accident or sickness:

  • Claim form
  • Accident report
  • Sick leave certificates
  • Police report, if applicable
  • Passport copy
  • Visa copy
  • Emirates ID copy
  • Copy of the last three salary slips
  • Disclaimer: We reserve the right to ask for additional documents or information, depending on a case by case basis.

If the claim is regarding permanent total disablement, due to accident or sickness:

  • Claim form
  • Accident report, if applicable
  • Police report, if applicable
  • Medical report to confirm the degree of permanent disability
  • Medical report to confirm the diagnosis and medical history
  • Medical bills and receipts
  • Doctor prescription
  • Passport copy
  • Visa copy
  • Emirates ID copy
  • Copy of the last three salary slips
  • Disclaimer: We reserve the right to ask for additional documents or information, depending on a case by case basis.

If the claim is regarding critical illness or terminal illness:

  • Claim form
  • Medical report to confirm the disease
  • Medical report to confirm the medical history
  • Passport copy
  • Visa copy
  • Emirates ID copy
  • Disclaimer: Critical illness rider can be claimed only once the survival period is completed.
  • Disclaimer: We reserve the right to ask for additional documents or information, depending on a case by case basis.

If the claim is regarding repatriation expenses benefit, such as coffin box, ambulance, embalming, air ticket charges:

  • Original invoices and receipts
  • Disclaimer: We reserve the right to ask for additional documents or information, depending on a case by case basis.

If the claim is regarding medical expenses, due to accident:

  • Original invoices and receipts
  • Disclaimer: We reserve the right to ask for additional documents or information, depending on a case by case basis.

Where to submit your claim

You can report the incident to us by phone, fax, or email.

Phone:
+971 2 408 0100

Fax:
+971 2 408 0643

Email:
lifeclaims@adnic.ae

If you choose to email us, please make sure the email subject says “Commercial Lines Claims”.

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We are very happy with the excellent services provided by ADNIC and appreciate their expertise in understanding our specific insurance requirements. Must say that Really a ‘Reliable’ Insurer!
B C Naujad, Al Mansouri Specialized Engineering | Abu Dhabi, UAE
ADNIC has been serving our insurance needs for the last several years and we find them to be extremely professional and service oriented. Based on our Experience we highly recommend their service.
Ebby Abraham, Emirates Palace | Abu Dhabi, UAE
ADNIC is a trustworthy partner who takes a keen interest in the success of their customers. Some of their most compelling qualities are their ability to adapt to dynamic market changes, speed of responsiveness and analytically understanding client’s bespoke requirements. As we are one of the leading mobility organizations in the UAE, we rely heavily on ADNIC to provide a superior service and we trust they will continue to do so for many years to come.
Richard Sikkel, CEO Massar Solutions | Abu Dhabi, UAE