General Insurance

The claims process for general insurance policies in the United Arab Emirates (UAE) typically involves several steps, and insurance providers usually have specific requirements that policyholders must fulfil to initiate and successfully complete a claim. While the details may vary slightly among different insurance companies and types of policies, the following provides a general overview of the claims process and a checklist for general insurance policies in the UAE:

• Notify the Insurer: The policyholder must notify the insurance company about the incident that led to the claim as soon as possible. This notification is typically done through a dedicated claims hotline or through the insurer's website.
• File a Claim: The policyholder is required to submit a formal claim to the insurance company. This can often be done online through the insurer's portal or by visiting their office in person.
• Document Submission: Provide all necessary documentation related to the claim. This may include a completed claim form, a copy of the insurance policy, a police report (if applicable), photographs, repair estimates, medical reports, and any other relevant documents. .
• Claim Assessment: The insurance company will assign a claims adjuster to assess the validity and extent of the claim. The adjuster may conduct investigations, review documents, and gather information to determine the coverage and amount payable.
• Approval or Denial: Once the assessment is complete, the insurance company will communicate their decision to approve or deny the claim. If approved, the insurer will proceed with the settlement process.
• Settlement: The insurer will either directly settle the claim by reimbursing the policyholder or by paying the service provider (e.g., repair shop, medical facility) on behalf of the policyholder.
• Claim Closure: After settlement, the claim is considered closed. The policyholder should review the settlement details to ensure accuracy and address any concerns with the insurer if necessary.

Claims Checklist:

• Policy Information: • Keep a copy of the insurance policy and ensure that you understand the coverage details, exclusions, and claim procedures.
• Notification: • Notify the insurance company promptly after an incident that may lead to a claim. Delayed notifications could affect the claim process.
• Complete Claim Form: • Fill out the claim form accurately and completely. This form is usually provided by the insurance company and may be available online.
• Documentation: • Gather all relevant documents, such as police reports, photographs, repair estimates, medical reports, invoices, and any other evidence supporting your claim.
• Contact Information: • Ensure that your contact information is up-to-date with the insurance company. This includes your phone number, email address, and physical address.
• Cooperate with the Claims Adjuster: • Cooperate with the claims adjuster during the assessment process. Provide any additional information or documentation they may request.
• Review Settlement Details: • Carefully review the details of the settlement provided by the insurance company. If there are discrepancies or concerns, address them with the insurer.
• Maintain Records: • Keep copies of all correspondence, emails, and documents related to the claim. This can be helpful for future reference or in case of disputes.
• Claim Follow-Up: • If the claim process is taking longer than expected, follow up with the insurance company for updates on the status of your claim.

It's important for policyholders to be proactive and well-informed throughout the claims process to ensure a smooth and timely resolution. Additionally, understanding the terms and conditions of the insurance policy is crucial for a successful claims experience.



Note: Detailed claim process and checklist are given under each category of insurance in the corresponding pages.