Personal Accident Takaful: Making a Claim?

21 Oct 2014

Personal Accident Takaful

Personal accident (PA) takaful is an annual plan that provides you or your beneficiaries with compensation in the event of death, disablement or injuries arising from an accident.

You can either participate in a PA takaful for yourself or group plan for your family. The basic cover of a PA takaful includes death and disablement arising from accidents.

The takaful operator will pay you or your nominees, subject to the terms and conditions of your PA takaful.

The claim against your insurance company will be a frustrating process if you don’t prepare the necessary materials needed, or if you are not familiar with the procedures. It is advisable to know at least the basics for death claims and injury claims.

Death Claim

To proceed with a death claim, it is important to submit the police reports and all relevant documents to the insurance company. Also, the claim form should be filled up along with the required documents (such as the death certificate in this case). It is important that the person submitting these documents do a quick assessment to avoid the claim being rejected or delayed.
  •  A police report must be made.
  • The Takaful Operator must be notified as soon as possible.
  • The claimant will be given a claim form which should be submitted together with:
> Supporting documents required by the Takaful Operator.
> Death certificate.
> Burial permit.

If there is no beneficiary nominated, the dependents of the deceased or the executor of the deceased’s estate should provide proof of dependency or letter of administration.

Injury Claim

In case of an injury that is covered under your policy, you will have to notify the insurance company and acquire the claim form. Fill in the details and attach with it the required medical reports, bills, along with other documents pertaining to your injury.

Note that time is crucial, and a lapse of time in getting your claim done may cause you hardship too. So be wary of the terms in the policy regarding the time frame and other conditions.
  • You must notify the Takaful Operator of the injury in writing within the time frame stipulated in the personal accident Takaful certificate.
  • You should submit the claim form with supporting documents:
> Medical reports.
> All certificates, information and evidence required by Takaful Operator must be supplied of the claimant in the form prescribed by the Takaful Operator.


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