Claims
SIBL’s reputation for settling claims is as important as the insurance products we provide. Our claim service stands ahead of every insurance product we sell to our customers in that we will protect their businesses, homes, lives, health, investments, and possessions.
Requirements for Making Claims
Contact your HR for help to provide the following:
- Completed Claim Form
- If Natural Death, obtain Death Certificate and the Medical Certificate of cause of death of the employee.
- In case of Accidental Death, obtain Police Report as well.
- In the case of Disability, medical report is required to confirm the level of disability.
- For Critical Illness, evidence of diagnoses of named Critical Illness.
- Receipts for Medical Expenses relating to accidents, if any.
- Copy of Ghana Card
- Duly Completed Claim Form
- Labour Sheets 1 & 2
- Computation of Compensation from the Labour Office
- Medical Receipts, if any
- Confirmation of Wages/Salaries of Employee
- Copy of Ghana Card
- Duly Completed Claim Form
- Police Report (if applicable)
- Letter of demand or writ of summon (if any)
- Incident Report
- In case of Accidental Death, obtain Police Report as well.
- In the case of Disability, medical report is required to confirm the level of disability.
- Receipts for Medical Expenses relating to accidents, if any.
- Copy of Ghana Card
- Duly Completed Fire and Allied Perils Claim Form
- An incident report, if any
- Post loss inspection report by insurers/brokers
- Cost of replacement/repair of damage or loss as basis for adjustment
- Invoices/waybills for stolen items
- Stock books indicate the value of stock held before loss
- Assets register to show evidence of Assets own
- In case of Fire, Fire Service Report
- Police report, in case of theft or accident
- Pictures of damaged/damaged items
- Duly Completed Claim Form
- Police Report
- Invoice for Replacement of lost or Damaged items
- Post Lost report.
- Duly Completed Claim Form
- Post Loss Survey
- Invoice for Replacement of lost or damaged items
- Duly Completed Claim Form
- Post Loss Survey
- Invoice for Replacement of lost or damaged items
- Duly Completed Claim Form
- Post Loss Survey
- Copy of Waybill
- Police Report if there is an accident
- Completed claim form
- Incident report
- Cash register indicating cash held immediately prior to the loss
- Police report
- Evident of Contract renewal/Appointment letters of the employee involved
- Audit report
- Ghana card of the Guarantor (s)
- Evidence of action instituted to recover the cash
- A completed and duly signed claim form
- Legal notices, if served by the client
- Statement of Claim from Third Party
- Registration certificates for professionals or institutions (like hospitals)
- Detailed client information to assess financial loss.
- Correspondence related to the claim (emails, letters, legal documents)
- Identities of the claimant and any other involved parties
- Address proof of the insured location
Requirements for Motor Accidents Insurance Claims
- Motor Accident Report Form
- Driver’s License (Front & Back)
- Estimate of Repairs
- Pictures of the Damaged Vehicle (Show Vehicle number)
- Police Report or Police Extract (If Applicable)
- Original Documents of the Vehicle (In case of total loss claim)
- Any document deemed necessary by the Insurance Company
- Motor Fire Report Form
- Driver’s License (Front & Back)
- Estimate of Repairs
- Pictures of The Damaged Vehicle (Show Vehicle Number)
- Police Report (If Applicable)
- Fire Service Report
- Original Documents of the Vehicle (In case of a total loss)
- Any document deemed necessary
- Motor Accident Report Form
- Driver’s License (Front & Back)
- Estimate of Repairs
- Pictures of the Damaged Vehicle (Show Vehicle Number)
- Original Documents of the Vehicle (In case of a total loss)
- Any document deemed necessary
- Motor Theft Report Form
- Driver’s License (Front & Back)
- Estimate of Repairs
- Pictures of The Damaged Vehicle (Show Vehicle Number)
- Police Report or Police Extract
- Original Documents of the Vehicle (In case of a total loss)
- Any document deemed necessary
Insured:
- Motor Accident Report Form
- Photocopy of Driver’s License (Front & Back)
Third Party Claimant:
- Estimate of Repairs
- Pictures of the Damaged Vehicle (Show Car Number) or Property
- Police Report
- Letter of Claim (Satisfaction Letter If Repaired)
- Any document deemed necessary after all documents
- ID of the Third-Party claimant
Insured:
- Motor Accident Report Form
- Photocopy of Driver’s License (Front & Back)
Third Party Claimant:
- Police Report
- Medical Report
- Medical Receipts
- Letter of Claim
- Affidavit
- Two Passport Pictures (Endorsed by Medical Officer)
- Pictures of The Injury
- Surname and other names (I.D)
- Date and place of birth
- Profession or occupation and employer’s address (if any)
- Income and relevant documents in proof of income, where necessary
- Particulars of dependent(s) at the time of accident (if any)
- The victim’s contact address and Phone number
- Any document deemed necessary after all documents
Additional information and documentation to be Submitted by Claimant(s) Other than the Victim
- Surname and other names of the claimants (I.D)
- Date and Place of birth of the claimant(s)
- Surname and other names of the victim
- Relationship with the victim
- Profession or occupation of the claimant(s) and employer’s address (If any)
- A description of injuries sustained, financial loss incurred and any documents in support
- Claimant(s) contact address and phone number
- Two (2) passport-size photographs each of the claimant(s) and in the case of a minor, the photographs of the next friend
- Identity card of the claimant(s)
Insured:
- Motor Accident Report Form
- Photocopy of Driver’s License (Front & Back)
Third Party Claimant:
- Police Report
- Medical Cause of Death Report or Coroners Report
- Medical Receipts (If Any)
- Letter of Claim
- Affidavit
- Two Passport Pictures (Endorsed by Public Notary)
- Death Certificate
- Letters of Administration (Not Applicable for Minor)
- *Death Certificate of the Victim or Burial Permit or Postmortem Report
- *Letters of Administration or proof of probate or Registrars Certificate
- *Any identity card of Claimant{s)
- *Relationship with the victim and identity cards of the beneficiaries
- *Two (2) passport size photographs of the Administrator(s)/ claimant{s)
- For the rural dwellers who may not be able to provide the above documents (*), a report from the Chief or religious leader and Statutory declaration, can be provided.