An insurance claim is the only legal way to claim any benefit under an insurance policy. Policyholders must complete and file an official claim form before any monies can be paid out to a service provider in the case of a medical claim, or a mechanic or a third party in the case of a motor claim.

The Medical Policy specifies that a claim must be filed with the Company within ninety days after the date of the loss for which the claim is made. Failure to furnish notice of proof of loss within the time limits required will not invalidate or reduce any claim if it is shown that it was not reasonably possible to give such notice or proof loss and that the claim was filed as soon as it was reasonably possible.

The Motor Policy and other non-life policies simply require that the policyholder should give notice of a claim or potential claim “as soon as possible” with full particulars.