Business Claims

Our PrimeShield Packages are specially tailored to cater to the needs of small to medium size business for various trades.

In the event of a claim:

  • During office working hours (8.30am to 5.30pm), Policyholder can contact Etiqa Claims Team on the procedure for lodging a Medical claim. Alternatively, Policyholder can download the Claim Form and complete it for submission together with the supporting documents (i.e original medical bills/Discharge Summary/Medical reports).
  • Should the claim submitted is in order. The claim will be processed and necessary payment will be made to policyholder accordingly.

In the event of a claim:

  • During office working hours (8.30am to 5.30pm), Policyholder can contact Etiqa Claims Team.
  • Etiqa Claims Team will assess the situation, if a site survey is necessary, Etiqa will contact the appointed Loss Adjustor to visit the site.
  • The appointed Loss Adjustor will review the site survey and assess the claim situation with Etiqa Claims Team.
  • If a site survey is not necessary, Policyholder will be required to complete the Property claim form and submit official quotations for Etiqa Claims Team approval.

In the event of a claim:

  • During office working hours (8.30am to 5.30pm), Policyholder can contact Etiqa Claims Team on the procedure for lodging a Personal Accident claim.Alternatively, Policyholder can download the Claim Form and complete it for submission together with the supporting documents (i.e original medical bills/Discharge Summary/Medical reports).
  • If Personal Accident claim is related to death, a Loss Adjuster will be appointed to assist in the investigation.
  • Should the claim submitted is in order (include cases involving Loss Adjuster), it will be processed and necessary payment will be made to policyholder or Insured person accordingly.

In the event of a claim:

  • During office working hours (8.30am to 5.30pm), Policyholder can contact Etiqa Claims Team.
  • Etiqa Claims Team will assess the situation, if a site survey is necessary, Etiqa will contact the appointed Loss Adjustor to visit the site and interview the Policyholder and their staff.
  • The appointed Loss Adjustor will review the site survey and assess the claim situation with Etiqa Claims Team.
  • If a site survey is not necessary, Policyholder will be required to complete the Public Liabailty claim form and submit the necessary documents received from the Third Party for Etiqa to asses and correspond with the Third Party.
  • It important to take note that the Policyholder should not admit any liability to the Third Party concerned. Should Policyholder received any further correspondence, demand of payment or Writ, they are to forward it to Etiqa Claims Team immediately unanswered.

The Work Injury Compensation Act (WICA) had replaced the Workmen’s Compensation Act from 1 April 2008. The coverage and benefits under the Work Injury Compensation Act are applicable to accidents that happened on and after 1 April 2008.

*Further changes to the Work Injury Compensation Act (WICA) took effect on 1 June 2012

For more information on Work Injury Compensation Act (WICA) please click here.

a) In the event of an industrial accident, the injured employee is required to inform his employer of the accident as soon as practicable.

b) The employer upon being notified of an accident, he is required to report the accident to the Commissioner of Workplace Safety and Health through the iReport within the following reportive timeline:

  • Where the accident results in death of an employee report within 10 days of the occurrence.
  • Where the accident results in any incapacity that renders the employee unfit for work for more than 3 consecutive days, or is admitted in a hospital for at least 24 hours for observation or treatment, report within 10 days of the occurrence.
  • Where an employee suffers an occupational disease at a workplace, and the employer receives a written diagnosis from the medical practitioner, report within 10 days from the receipt of the written diagnosis.

Failure to report a work-related accident is an offence, which carries a fine of up to S$5,000 for a first-time offence, and a fine up to S$10,000 and/or a jail term of up to six months for subsequent offences.

c) The employer is also required to report the accident to us by completing the Work Injury Compensation claim form and submit together with the following documents:

  • Copy of the iReport made to MOM;
  • Original Medical bills and Original Medical Certificates
  • Copy of the Inpatient Discharge Summary if the injured employee is hospitalised;
  • Salary vouchers to support the injured employee’s salary for the 12 calendar months prior to the accident;
  • If the injured person is not your direct employee, please submit to us all the relevant contracts to establish that the direct employer is your sub-contractor;
    OR
    If your injured employee was injured at a project worksite while working for a Main Contractor, please submit to us all the relevant contracts relating to the project.

d) Once the documents are in order, please send it to us at the following address:

Etiqa Insurance Pte. Ltd.
One Raffles Quay, #22-01
North Tower
Singapore 048583
Attention : Claims Department

These products are covered under PPF Scheme.

Please contact us for a non-obligatory consultation.