Accident claims

How to file a claim for

The things you need to know before you make a claim

Claiming via your employer?
If you have a policy from your employer, please head to our dedicated claims page for employees.

Check your claim is eligible
It’s always a good idea to first check that your policy covers your claim. The quickest and easiest way to do this is via FWD eServices, our customer app. Or feel free to give us a call on 3123 3123.

Please make a note of our deadlines

  • Medical treatment claims. If you’re making a claim for medical treatment, you can claim at any point within 90 days of discharge from hospital or your treatment finishing.
  • All other claims including loss of life. For other claims, please note that we need you to submit all claim forms within 30 days. If you feel ready, you can also submit the documents we need with your completed claim form(s). Or, if you prefer, we offer an additional 60 days - from when we receive the claim form(s) - to then send in the documents we need.

We offer a range of ways to make a claim
You can fill out a form and send it back - or take a look at our other options below.

FWD eServices
FWD eServices
Claim online
Claim online
Same day approval
Same day approval
Claim through a Noble Agent
Claim through a Noble Agent
For medical
Original
Original
Copy
Copy
For loss of life
Original
Original
Copy
Copy
For total permanent disability
Copy
Copy
For premium wavier
Copy
Copy
For parent risk
Copy
Copy

For claim related to medical expense

  • Part 1 to be completed by the insured customer. Part 2 to be completed by the attending doctor.
  • For medical claims of up to HK$3,000, you may collect your claims payment instantly at any MTR station 7-Eleven store. Submit your claim as usual and simply select “Collect at designated 7-Eleven Stores” on the claims form.



For loss of life


For total permanent disability


For parent risk and premium waiver policy add-on

By mail
By mail
By email
By email

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 SMS, email, or post (please allow for any postal delays via the mail service). If you’ve claimed via FWD eServices, our app, we offer instant tracking and for some plans, we can approve and pay out instantly.

If you’ve bought your plan via an agent, you’ll receive this notification from your agent, according to how they normally communicate with you.

If we need additional information from you, we’ll let you know – either by post or via your agent if applicable.

Your questions answered

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When will you pay me?

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How will you pay me?

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After I've made a claim, how long should I keep my original documents?

Frequently asked questions