Accident and Illness related claims such as Daily Hospital Income, Disability, and Dismemberment and Fire Incident must be filed by the policyholder, or the person insured by the policy.

Death Claims may be filed by the beneficiary/ies designated under the insured’s policy contained in the insurance contract or by their legal representatives

The waiting period refers to the time period the insured is required to wait for, from the date of issue of the insurance policy, to be able to avail the benefits under the policy. The terms and conditions of a waiting period may vary per product.

During this period, the insured is given a set length of time to pay his/her premium due for continuous coverage. Your policy cover will terminate at the end of the grace period if the premium remains unpaid.

During this specific period (from the initial activation of policy), the insured can cancel the insurance policy contract for whatever reason and get a full refund of the premium payment made.

There are three ways to report a claim:

1. By filling up the online claim notification form below.
2. By sending an email with your policy and claim   details to claims-ph@insuranceko.ph; or
3. If you have an existing account with us, click the human icon on the navigation bar located at the upper right corner to open your profile page. Click the active plans tab and click the Claim button to open the online claims notification form. Fill up the necessary information and submit.

Once we receive your notification, a Claim Service Specialist will contact you within 24-48 hours to assist you throughout the claims process.