General Accident Claims

I. GENERAL PROCEDURES

For all types of General Accident policies, the following procedure shall generally apply. The procedure will vary from one type of policy to another only in terms of documents that we require you to submit to enable us to process your claim.

1. Immediately send notice to us or to your broker/agent.

2. You will then receive a corresponding acknowledgement letter from us indicating our next course of action, i.e.:

1. Submit claim documents as listed below for our in-house evaluation/processing of claim; or

2. An independent adjuster has been appointed to handle the investigation of your claim and will shortly get in touch with you to schedule the inspection.

3. As soon as investigation/evaluation of the claim is completed, you will be notified of our Company's position, i.e., offer of specific amount as settlement with accompanying computations/breakdown, if necessary, or denial, if the claim is not within the coverage of the policy.

4. If you agree with the offer, send back to us the Notice of Claims Settlement with your signature/conforme. So as to minimize delay in our receipt of your acceptance of our offer, we advise you to send it via fax or personal delivery.

II. LIST OF DOCUMENTS REQUIRED BY TYPE OF POLICY

1. Money, Securities & Payroll

1. Insured's Incident Report

2. Police Investigation Report

3. Affidavit or Statement of Driver / Helper

4. Affidavit or Statement of Witness (if any)

5. Audit Report/Findings with supporting documents (i.e. official receipts/provisional receipts, sales invoices)

6. Check vouchers / cancelled checks

7. Payroll Sheet (for payroll robbery)

8. Replenishment Record (for Petty Cash)

9. Collection Report (for Cash Collector)

2. Fidelity Guarantee

1. 201 File of the defaulting employee (i.e. application for employment with picture)

2. Certificate of Employment of the defaulting employee including his/her duties and responsibilities and period of employment.
3. Certificate of monies withheld due to the defaulting employee (such as: unclaimed salary, commission, unpaid sick/vacation leaves and other monetary benefits)

4. Audit Report, inclusive of the following attachments:

1. DR/PR or Invoices and Checks

2. Affidavit of Payment or Customer's confirmation in writing

3. Copies of the subsidiary ledgers showing non-posting of payments defalcated by the erring employee

5. Copy of written internal control procedure

6. Affidavit of the person who discovered the loss

7. Copies of all Insured's Inter-Office Memo, Investigation Report

8. Police Report and Statement of Witnesses (if any)

9. Legal documents for filing of Estafa or Civil case against erring employee such as:

1. Demand Letter

2. Copy of Affidavit / Complaint and Counter Affidavits/Answers with all Exhibits and Annexes

3. Status of the case files and others

10. Copy of the policy schedule showing that the involved employee is covered

11. Copy of admission / confession letter of the defaulting employee.

3. Burglary

1. Affidavit of the person in charge of the operation

2. Affidavit of witnesses (if any)
3. Police Report

4. Inventory List of item lost with respective values

5. Pictures of damaged items, premises entry & exit

4. Property Floater

1. Incident Report

2. Affidavit of Loss or Damage to Property

3. Police Report

4. Pictures of Damaged Property / Items

5. Repair Estimate
6. Quotation of New Replacement Unit

5. Merchandise Floater

1. Incident or Police Report

2. Affidavit of Driver / Helper

3. Delivery Receipts / Sales Invoices / O.R. / P.R.

4. List of Stocks Inventory

5. Purchase Order

6. Package List

7. Pictures of Damaged Items

8. Air Way Bill / Bill of Lading

9. List of Items Affected / Damage with respective values

6. Plate Glass

1. Incident Report from Security Guard / Witnesses

2. Affidavit of Damage

3. Quotation of new replacement

4. Repair Estimate

5. Pictures of damaged glass panel

7. Comprehensive General Liability - Third Party Property Damage

1. Incident Report from Security Guard or Witness

2. Affidavit of Insured's Driver / Third Party claimant

3. Driver's License w/ O.R. (Insured & Third Party)

4. Certificate of Registration w/ O.R. (Insured & Third Party)

5. Pictures of the Damaged Vehicle
6. Repair Estimate

7. Certificate of No Claim of Third Party from Motor Car Insurer

8. Police Report

8. Comprehensive General Liability - Third Party Bodily Injury

1. Incident Report

2. Medical / Doctor's Certificate

3. Hospital Bills / Statement of Account

4. Doctor's Medicine Prescription

5. Official Receipts (for medicines, professional fees, etc.)

6. Doctor's Diagnosis Report