Group Life & Personal Accident Insurance Claims | ADNIC
Submit a claim
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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Submit a Group Life claim
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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 personal accident insurance 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”.
