Loss of life claims
I want to file a claim
We know that making a loss of life claim can feel challenging. It’s always a good idea to first check that the policy covers your claim.
This claim can only be triggered by the HR department of the deceased. In other words, if you notify us that a claim will be made, we will refer to the HR team of the deceased.
If the deceased had a personal insurance plan with us (not connected to their place of work) please head to our dedicated personal insurance claims page.
Start by selecting the insurance plan name.
I’m claiming for
The things you need to know before you make a claim
Contact HR and check your claim is eligible
We know that making a loss of life claim can feel challenging. It’s always a good idea to first check that the policy covers your claim. You should also check
with the HR department on their claims procedure and any policy details, for example policy number and cover.
The HR department can additionally provide important information such as employment letter, proof of salary and salary payments.
Please make a note of our deadlines
The HR team must notify us within 45 days from the date of loss by sending in the claim form. All other documents can be sent within 90 days from the date of loss.
Therefore please contact the HR department asap to advise them that you need to make a claim and then get details of what to do next.
The things you need to know before you make a claim
Contact HR and check your claim is eligible
We know that making a loss of life claim can feel challenging. It’s always a good idea to first check that the policy covers your claim. You should also check
with the HR department on their claims procedure and any policy details, for example policy number and cover.
The HR department can additionally provide important information such as employment letter, proof of salary and salary payments.
Please make a note of our deadlines
The HR team must notify us within 45 days from the date of loss by sending in the claim form. All other documents can be sent within 90 days from the date of loss.
Therefore please contact the HR department asap to advise them that you need to make a claim and then get details of what to do next.
We will return these documents once claim is completed. Alternatively, you can collect from one of our FWD Insurance Solutions Centre or via your agent.
- Death certificate
- Beneficiaries designation form (If there are no beneficiaries , please provide letters of administration)
- Evidence of the last three months' salary of the deceased . For example, pay slips from the employer
- Guardianship paper (only if the beneficiary is under 18)
Documents can be certified and signed by our FWD Insurance Solutions Centre team, totally free of charge. Or they can be certified by a Hong Kong Certified Public Accountant (CPA), Hong Kong Solicitor or a notary public. Note that these may involve a service charge.
- Identity card of the insured
- Identity card of the beneficiary
- Employment letter of the deceased. You may wish to reach out to the HR department of the insured to provide this proof of employment.
We will return these documents once claim is completed. Alternatively, you can collect from one of our FWD Insurance Solutions Centre or via your agent.
- Notarial certificate issued by the local notary public office
- Evidence of the HKID cancellation
- Ceremony information. For example, certificate of cremation
- Evidence that any original household booklet or legal identity/citizenship documents have been cancelled
Send to:
Employee Benefits, FWD Life Insurance Company Ltd
7/F, FWD Financial Centre,
308 Des Voeux Road Central,
Hong Kong
Submit to:
Thanks for completing the claims process.
As soon as we receive your claim, we'll let you know. We'll do this within five working days of receiving your claim either via by email or post (please allow for any postal delays via the mail service).
If we need additional information from you, we will let you know – either by email or via your HR if applicable.
Your questions answered
When will you pay me?
How will you pay me?
After I've made a claim, how long should I keep my original documents?
Looking to make a different claim?
We have 'how to claim' guides for all types of insurance plans. Simply select from one of the options below.
Need help with your claim?
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