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Frequently Asked Questions: Claims

I am filing as

Filing as the Policy Owner

We have made it hassle-free for you to file a claim from anywhere in the world. Simply click here to file your claim online and follow these three easy steps:

1. Prepare the following claim documents to support your submission. All files must be in .jpg or .pdf format and should not exceed 5MB each. If a document contains multiple pages, upload each page as a separate file.

➤ BASIC MANDATORY REQUIREMENTS

  • Valid ID containing claimant’s signature and picture
  • Duly accomplished Attending Physician’s Statement (download here)
  • Proof of account indicating the following details:
    • Complete Bank Name
    • Bank Account Name
    • Bank Account Number
    • Currency

➤ OTHER MANDATORY REQUIREMENTS ACCORDING TO CLAIM

➤ OTHER ADDITIONAL REQUIREMENTS

The following documents may be required, but are not limited to:

  • Image of the affected body part showing the face of the insured
  • Clinical Abstract / Discharge Summary
  • Emergency Room Record
  • All available laboratory and test results
  • Annual Medical Exam
  • Employment Medical Exam
  • Admission / Admitting record with past medical history

2. Complete the Digital Form.

3. Take note of your reference number to track the status of your claim.

Once we receive the required documents, your request will be reviewed and assessed. Please expect an update via your registered mobile and e-mail address within 10 working days.

You can download the consolidated list of requirements, including a step-by-step guide on how to file a claim, by clicking here.

Your pay-out may be received either by claiming it from any BPI branch or through direct credit to your bank account.

For payouts via from BPI:

  • The benefit amount must not exceed PHP 500,000 or USD 10,000.

For payouts via bank credit:

  • Your bank must be affiliated with PesoNet.
  • For foreign banks, please submit written instructions including the following wire transfer details: Beneficiary Name, Account Number/ International Bank Account Number, Bank Name, Bank Address, SWIFT Code, Routing Number, and your updated overseas address.

Processing times may vary depending on the type of claim and completeness of submitted documents. Claims are typically processed within 10 to 30 working days. Once approved, your benefit will be credited to your nominated account within three (3) working days.

Expect your benefit payout to be credited on your nominated account within 30 days.

You may track the status here.

Yes, you can still file a claim while abroad. However, additional documents may be required. Please refer to the requirements list for more details.

You can a file a claim via AIA website or via MyAIA

For accident or illness benefits: 

The policy benefit is paid to the Policy Owner, or the person who owns the insurance policy.

For death benefits:

The policy benefit is paid to the designated Beneficiary/ies, or the person/s designated by the policy owner to receive the policy benefits in the event of the insured person’s death.

Yes, if you are a named beneficiary, you may file a claim. However, since you are a minor, the claim must be filed on your behalf by a legal guardian or an appointed trustee.

We recommend that all claims, including life loss claims, be filed within 90 days from the date of the incident or event.

Failure to provide complete claim documents may lead to the rejection of your claim.

You cannot save your claim. Please be aware that there is a time limit, and if there is no activity on the website for a certain period, you will need to restart the filing process.

Kindly attempt to submit your claim again. If the issue persists, please contact our customer hotline for further guidance.

Yes, claims can be filed until 5:00 PM. Submissions received after the cut-off time will be processed on the next business day.

We have made it hassle-free for you to file a claim from anywhere in the world. Simply click here to file your claim online and follow these three easy steps:

1. Prepare the following claim documents to support your submission. All files must be in .jpg or .pdf format and should not exceed 5MB each. If a document contains multiple pages, upload each page as a separate file.

➤ BASIC MANDATORY REQUIREMENTS

  • Valid ID containing claimant’s signature and picture
  • Duly accomplished Attending Physician’s Statement (download here)
  • Proof of account indicating the following details:
    • Complete Bank Name
    • Bank Account Name
    • Bank Account Number
    • Currency

➤ OTHER MANDATORY REQUIREMENTS ACCORDING TO CLAIM

This an additional benefit that provides additional coverage in case the Insured gets diagnosed with any of the listed Critical Illnesses:

➤ ADDITIONAL REQUIREMENTS

The following documents may be required, but are not limited to:

  • Image of the affected body part showing the face of the insured
  • Clinical Abstract / Discharge Summary
  • Emergency Room Record
  • All available laboratory and test results
  • Annual Medical Exam
  • Employment Medical Exam
  • Admission / Admitting record with past medical history

2. Complete the Digital Form.

3. Take note of your reference number to track the status of your claim.

Once we receive the required documents, your request will be reviewed and assessed. Please expect an update via your registered mobile and e-mail address within 10 working days.

You can download the consolidated list of requirements, including a step-by-step guide on how to file a claim, by clicking here.

Your pay-out may be received either by claiming it from any BPI branch or through direct credit to your bank account.

For payouts via from BPI:

  • The benefit amount must not exceed PHP 500,000 or USD 10,000.

For payouts via bank credit:

  • Your bank must be affiliated with PesoNet.
  • For foreign banks, please submit written instructions including the following wire transfer details: Beneficiary Name, Account Number/ International Bank Account Number, Bank Name, Bank Address, SWIFT Code, Routing Number, and your updated overseas address.

Processing times may vary depending on the type of claim and completeness of submitted documents. Claims are typically processed within 10 to 30 working days. Once approved, your benefit will be credited to your nominated account within three (3) working days.

Expect your benefit payout to be credited on your nominated account within 30 days.

You may track the status here.

Yes, you can still file a claim while abroad. However, additional documents may be required. Please refer to the requirements list for more details.

You can a file a claim via AIA website or via MyAIA

For accident or illness benefits: 

The policy benefit is paid to the Policy Owner, or the person who owns the insurance policy.

For death benefits:

The policy benefit is paid to the designated Beneficiary/ies, or the person/s designated by the policy owner to receive the policy benefits in the event of the insured person’s death.

Yes, if you are a named beneficiary, you may file a claim. However, since you are a minor, the claim must be filed on your behalf by a legal guardian or an appointed trustee.

We recommend that all claims, including life loss claims, be filed within 90 days from the date of the incident or event.

Failure to provide complete claim documents may lead to the rejection of your claim.

You cannot save your claim. Please be aware that there is a time limit, and if there is no activity on the website for a certain period, you will need to restart the filing process.

Kindly attempt to submit your claim again. If the issue persists, please contact our customer hotline for further guidance.

Yes, claims can be filed until 5:00 PM. Submissions received after the cut-off time will be processed on the next business day.

Filling as the Beneficiary

We have made it hassle-free for you to file a claim from anywhere in the world. Simply click here to file your claim online and follow these three easy steps:

1. Prepare the following claim documents to support your submission. All files must be in .jpg or .pdf format and should not exceed 5MB each. If a document contains multiple pages, upload each page as a separate file.

➤ BASIC MANDATORY REQUIREMENTS

  • Death Certificate from the Local Civil Registry (must be a Certified True Copy) or the Philippine Statistics Authority (PSA). If the death occurred overseas, the certificate should be any of the following: consularized by the Philippine Embassy in that country; reported by the Department of Foreign Affairs; or be an Apostille Death Certificate (if member of Apostille convention).
  • Duly accomplished Attending Physician’s Statement (download here)
  • Valid ID containing the beneficiary/ies' signatures and pictures
  • Proof of account of each beneficiary indicating the following details:
    • Complete Bank Name
    • Bank Account Name
    • Bank Account Number
    • Currency

➤ MANDATORY REQUIREMENTS ACCORDING TO BENEFICIARY

➤ MANDATORY REQUIREMENTS BASED ON CIRCUMSTANCES OF DEATH

  • Death occurred within 2 years of policy issue / last reinstatement
    • Duly accomplished Attending Physician’s Statement of Death
    • Insured’s complete medical records in the last three (3) years including:
      • Consultation Records (can refer to doctor’s notes, medical certificates)
      • Diagnostic Tests (can refer to laboratory results)
      • Hospital Confinement records (can refer to proof that Insured was confined in hospital)
      • HMO utilization report, if any
  • Death caused by an Accident
    • Duly accomplished Attending Physician’s Statement of Death
    • Hospital Admitting Record, if any
    • Proof of accident, including, but not limited to
      • Police Report
      • Certified True Copy of Investigation Report from Philippine National Police (PNP) or National Bureau of Investigation (NBI) or the appropriate agency 
      • Certified True Copy of Autopsy Report

➤ ADDITIONAL REQUIREMENTS

The following documents may be required, but are not limited to:

  • Certificate of No Marriage (CENOMAR), issued by the PSA, of the Insured and Beneficiary. This will be requested if the designated beneficiary is a common law partner
  • Affidavit of Two Disinterested Person, including Valid IDs with Signatures of Affiants/Executor. This will be requested if there is a discrepancy in the Insured's Date of Birth and/or Name of Beneficiary/Insured.
  • Notarized Waiver of Rights (consularized by the Philippine Embassy if executed overseas), including the Valid ID of executor with three (3) specimen signatures. This will be requested for beneficiaries who wish to transfer their rights over the benefit due.
  • Deed of Extra Judicial Partition issued to petitioners with more than one Heir. This will be requested if all beneficiaries are deceased, or if there are no beneficiaries.
  • Affidavit of Sole Adjudication issued if there is only one (1) Heir. This will be requested if all beneficiaries are deceased, or if there are no beneficiaries.
  • Notarized Sworn Statement of Identifying witness
  • Criminal complaint/fiscal's/prosecutor's resolution
    These will be requested when circumstances of the accident are unclear
  • Traffic accident report, if cause of death was a vehicular accident
  • Driver's license if the deceased was driving

2. Complete the Digital Form.

3. Take note of your reference number to track the status of your claim.

Once we receive the required documents, your request will be reviewed and assessed. Please expect an update via your registered mobile and e-mail address within 10 working days.

You can download the consolidated list of requirements, including a step-by-step guide on how to file a claim, by clicking here.

Your pay-out may be received either by claiming it from any BPI branch or through direct credit to your bank account.

For payouts via from BPI:

  • The benefit amount must not exceed PHP 500,000 or USD 10,000.

For payouts via bank credit:

  • Your bank must be affiliated with PesoNet.
  • For foreign banks, please submit written instructions including the following wire transfer details: Beneficiary Name, Account Number/ International Bank Account Number, Bank Name, Bank Address, SWIFT Code, Routing Number, and your updated overseas address.

Processing times may vary depending on the type of claim and completeness of submitted documents. Claims are typically processed within 10 to 30 working days. Once approved, your benefit will be credited to your nominated account within three (3) working days.

Expect your benefit payout to be credited on your nominated account within 30 days.

You may track the status here.

Yes, you can still file a claim while abroad. However, additional documents may be required. Please refer to the requirements list for more details.

You can a file a claim via AIA website or via MyAIA

For accident or illness benefits: 

The policy benefit is paid to the Policy Owner, or the person who owns the insurance policy.

For death benefits:

The policy benefit is paid to the designated Beneficiary/ies, or the person/s designated by the policy owner to receive the policy benefits in the event of the insured person’s death.

Yes, if you are a named beneficiary, you may file a claim. However, since you are a minor, the claim must be filed on your behalf by a legal guardian or an appointed trustee.

We recommend that all claims, including life loss claims, be filed within 90 days from the date of the incident or event.

Failure to provide complete claim documents may lead to the rejection of your claim.

You cannot save your claim. Please be aware that there is a time limit, and if there is no activity on the website for a certain period, you will need to restart the filing process.

Kindly attempt to submit your claim again. If the issue persists, please contact our customer hotline for further guidance.

Yes, claims can be filed until 5:00 PM. Submissions received after the cut-off time will be processed on the next business day.

Filing as the Authorized Representative

We have made it hassle-free for you to file a claim from anywhere in the world. Simply click here to file your claim online and follow these three easy steps:

1. Prepare the following claim documents to support your submission. All files must be in .jpg or .pdf format and should not exceed 5MB each. If a document contains multiple pages, upload each page as a separate file.

➤ BASIC MANDATORY REQUIREMENTS

  • Valid ID containing claimant’s signature and picture
  • Duly accomplished Attending Physician’s Statement (download here)
  • Proof of account indicating the following details:
    • Complete Bank Name
    • Bank Account Name
    • Bank Account Number
    • Currency

➤ OTHER MANDATORY REQUIREMENTS ACCORDING TO CLAIM

➤ OTHER ADDITIONAL REQUIREMENTS

The following documents may be required, but are not limited to:

  • Image of the affected body part showing the face of the insured
  • Clinical Abstract / Discharge Summary
  • Emergency Room Record
  • All available laboratory and test results
  • Annual Medical Exam
  • Employment Medical Exam
  • Admission / Admitting record with past medical history

2. Complete the Digital Form.

3. Take note of your reference number to track the status of your claim.

Once we receive the required documents, your request will be reviewed and assessed. Please expect an update via your registered mobile and e-mail address within 10 working days.

You can download the consolidated list of requirements, including a step-by-step guide on how to file a claim, by clicking here.

Your pay-out may be received either by claiming it from any BPI branch or through direct credit to your bank account.

For payouts via from BPI:

  • The benefit amount must not exceed PHP 500,000 or USD 10,000.

For payouts via bank credit:

  • Your bank must be affiliated with PesoNet.
  • For foreign banks, please submit written instructions including the following wire transfer details: Beneficiary Name, Account Number/ International Bank Account Number, Bank Name, Bank Address, SWIFT Code, Routing Number, and your updated overseas address.

Processing times may vary depending on the type of claim and completeness of submitted documents. Claims are typically processed within 10 to 30 working days. Once approved, your benefit will be credited to your nominated account within three (3) working days.

Expect your benefit payout to be credited on your nominated account within 30 days.

You may track the status here.

Yes, you can still file a claim while abroad. However, additional documents may be required. Please refer to the requirements list for more details.

You can a file a claim via AIA website or via MyAIA

For accident or illness benefits: 

The policy benefit is paid to the Policy Owner, or the person who owns the insurance policy.

For death benefits:

The policy benefit is paid to the designated Beneficiary/ies, or the person/s designated by the policy owner to receive the policy benefits in the event of the insured person’s death.

Yes, if you are a named beneficiary, you may file a claim. However, since you are a minor, the claim must be filed on your behalf by a legal guardian or an appointed trustee.

We recommend that all claims, including life loss claims, be filed within 90 days from the date of the incident or event.

Failure to provide complete claim documents may lead to the rejection of your claim.

You cannot save your claim. Please be aware that there is a time limit, and if there is no activity on the website for a certain period, you will need to restart the filing process.

Kindly attempt to submit your claim again. If the issue persists, please contact our customer hotline for further guidance.

Yes, claims can be filed until 5:00 PM. Submissions received after the cut-off time will be processed on the next business day.

We have made it hassle-free for you to file a claim from anywhere in the world. Simply click here to file your claim online and follow these three easy steps:

1. Prepare the following claim documents to support your submission. All files must be in .jpg or .pdf format and should not exceed 5MB each. If a document contains multiple pages, upload each page as a separate file.

➤ BASIC MANDATORY REQUIREMENTS

  • Valid ID containing claimant’s signature and picture
  • Duly accomplished Attending Physician’s Statement (download here)
  • Proof of account indicating the following details:
    • Complete Bank Name
    • Bank Account Name
    • Bank Account Number
    • Currency

➤ OTHER MANDATORY REQUIREMENTS ACCORDING TO CLAIM

This an additional benefit that provides additional coverage in case the Insured gets diagnosed with any of the listed Critical Illnesses:

➤ ADDITIONAL REQUIREMENTS

The following documents may be required, but are not limited to:

  • Image of the affected body part showing the face of the insured
  • Clinical Abstract / Discharge Summary
  • Emergency Room Record
  • All available laboratory and test results
  • Annual Medical Exam
  • Employment Medical Exam
  • Admission / Admitting record with past medical history

2. Complete the Digital Form.

3. Take note of your reference number to track the status of your claim.

Once we receive the required documents, your request will be reviewed and assessed. Please expect an update via your registered mobile and e-mail address within 10 working days.

You can download the consolidated list of requirements, including a step-by-step guide on how to file a claim, by clicking here.

Your pay-out may be received either by claiming it from any BPI branch or through direct credit to your bank account.

For payouts via from BPI:

  • The benefit amount must not exceed PHP 500,000 or USD 10,000.

For payouts via bank credit:

  • Your bank must be affiliated with PesoNet.
  • For foreign banks, please submit written instructions including the following wire transfer details: Beneficiary Name, Account Number/ International Bank Account Number, Bank Name, Bank Address, SWIFT Code, Routing Number, and your updated overseas address.

Processing times may vary depending on the type of claim and completeness of submitted documents. Claims are typically processed within 10 to 30 working days. Once approved, your benefit will be credited to your nominated account within three (3) working days.

Expect your benefit payout to be credited on your nominated account within 30 days.

You may track the status here.

Yes, you can still file a claim while abroad. However, additional documents may be required. Please refer to the requirements list for more details.

You can a file a claim via AIA website or via MyAIA

For accident or illness benefits: 

The policy benefit is paid to the Policy Owner, or the person who owns the insurance policy.

For death benefits:

The policy benefit is paid to the designated Beneficiary/ies, or the person/s designated by the policy owner to receive the policy benefits in the event of the insured person’s death.

Yes, if you are a named beneficiary, you may file a claim. However, since you are a minor, the claim must be filed on your behalf by a legal guardian or an appointed trustee.

We recommend that all claims, including life loss claims, be filed within 90 days from the date of the incident or event.

Failure to provide complete claim documents may lead to the rejection of your claim.

You cannot save your claim. Please be aware that there is a time limit, and if there is no activity on the website for a certain period, you will need to restart the filing process.

Kindly attempt to submit your claim again. If the issue persists, please contact our customer hotline for further guidance.

Yes, claims can be filed until 5:00 PM. Submissions received after the cut-off time will be processed on the next business day.

We have made it hassle-free for you to file a claim from anywhere in the world. Simply click here to file your claim online and follow these three easy steps:

1. Prepare the following claim documents to support your submission. All files must be in .jpg or .pdf format and should not exceed 5MB each. If a document contains multiple pages, upload each page as a separate file.

➤ BASIC MANDATORY REQUIREMENTS

  • Death Certificate from the Local Civil Registry (must be a Certified True Copy) or the Philippine Statistics Authority (PSA). If the death occurred overseas, the certificate should be any of the following: consularized by the Philippine Embassy in that country; reported by the Department of Foreign Affairs; or be an Apostille Death Certificate (if member of Apostille convention).
  • Duly accomplished Attending Physician’s Statement (download here)
  • Valid ID containing the beneficiary/ies' signatures and pictures
  • Proof of account of each beneficiary indicating the following details:
    • Complete Bank Name
    • Bank Account Name
    • Bank Account Number
    • Currency

➤ MANDATORY REQUIREMENTS ACCORDING TO BENEFICIARY

➤ MANDATORY REQUIREMENTS BASED ON CIRCUMSTANCES OF DEATH

  • Death occurred within 2 years of policy issue / last reinstatement
    • Duly accomplished Attending Physician’s Statement of Death
    • Insured’s complete medical records in the last three (3) years including:
      • Consultation Records (can refer to doctor’s notes, medical certificates)
      • Diagnostic Tests (can refer to laboratory results)
      • Hospital Confinement records (can refer to proof that Insured was confined in hospital)
      • HMO utilization report, if any
  • Death caused by an Accident
    • Duly accomplished Attending Physician’s Statement of Death
    • Hospital Admitting Record, if any
    • Proof of accident, including, but not limited to
      • Police Report
      • Certified True Copy of Investigation Report from Philippine National Police (PNP) or National Bureau of Investigation (NBI) or the appropriate agency 
      • Certified True Copy of Autopsy Report

➤ ADDITIONAL REQUIREMENTS

The following documents may be required, but are not limited to:

  • Certificate of No Marriage (CENOMAR), issued by the PSA, of the Insured and Beneficiary. This will be requested if the designated beneficiary is a common law partner
  • Affidavit of Two Disinterested Person, including Valid IDs with Signatures of Affiants/Executor. This will be requested if there is a discrepancy in the Insured's Date of Birth and/or Name of Beneficiary/Insured.
  • Notarized Waiver of Rights (consularized by the Philippine Embassy if executed overseas), including the Valid ID of executor with three (3) specimen signatures. This will be requested for beneficiaries who wish to transfer their rights over the benefit due.
  • Deed of Extra Judicial Partition issued to petitioners with more than one Heir. This will be requested if all beneficiaries are deceased, or if there are no beneficiaries.
  • Affidavit of Sole Adjudication issued if there is only one (1) Heir. This will be requested if all beneficiaries are deceased, or if there are no beneficiaries.
  • Notarized Sworn Statement of Identifying witness
  • Criminal complaint/fiscal's/prosecutor's resolution
    These will be requested when circumstances of the accident are unclear
  • Traffic accident report, if cause of death was a vehicular accident
  • Driver's license if the deceased was driving

2. Complete the Digital Form.

3. Take note of your reference number to track the status of your claim.

Once we receive the required documents, your request will be reviewed and assessed. Please expect an update via your registered mobile and e-mail address within 10 working days.

You can download the consolidated list of requirements, including a step-by-step guide on how to file a claim, by clicking here.

Your pay-out may be received either by claiming it from any BPI branch or through direct credit to your bank account.

For payouts via from BPI:

  • The benefit amount must not exceed PHP 500,000 or USD 10,000.

For payouts via bank credit:

  • Your bank must be affiliated with PesoNet.
  • For foreign banks, please submit written instructions including the following wire transfer details: Beneficiary Name, Account Number/ International Bank Account Number, Bank Name, Bank Address, SWIFT Code, Routing Number, and your updated overseas address.

Processing times may vary depending on the type of claim and completeness of submitted documents. Claims are typically processed within 10 to 30 working days. Once approved, your benefit will be credited to your nominated account within three (3) working days.

Expect your benefit payout to be credited on your nominated account within 30 days.

You may track the status here.

Yes, you can still file a claim while abroad. However, additional documents may be required. Please refer to the requirements list for more details.

You can a file a claim via AIA website or via MyAIA

For accident or illness benefits: 

The policy benefit is paid to the Policy Owner, or the person who owns the insurance policy.

For death benefits:

The policy benefit is paid to the designated Beneficiary/ies, or the person/s designated by the policy owner to receive the policy benefits in the event of the insured person’s death.

Yes, if you are a named beneficiary, you may file a claim. However, since you are a minor, the claim must be filed on your behalf by a legal guardian or an appointed trustee.

We recommend that all claims, including life loss claims, be filed within 90 days from the date of the incident or event.

Failure to provide complete claim documents may lead to the rejection of your claim.

You cannot save your claim. Please be aware that there is a time limit, and if there is no activity on the website for a certain period, you will need to restart the filing process.

Kindly attempt to submit your claim again. If the issue persists, please contact our customer hotline for further guidance.

Yes, claims can be filed until 5:00 PM. Submissions received after the cut-off time will be processed on the next business day.

Ready to proceed with your claim?