Claims made accessible and convenient

A. Death claim

1. Standard requirements

   1. One (1) Claimant Statement Form per beneficiary

   2. Death certificate of the Life Insured

   3. One (1) valid government-issued photo ID of the beneficiary
      
      

2. Other conditional requirements (as applicable)

   1. For claims for policies that have been active or reactivated/reinstated within two years:

      • Attending Physician’s Statement

        Download Attending Physician's Statement - Death Claim

      • Complete medical records or health history of the deceased (may be requested from hospitals or clinics that attended to the deceased)

      • Admission and discharge summary

      • Consultation record of present and past illness, if any

      • Clinical abstract, if any

      • Diagnostic procedure results (e.g. ECG, biopsy, blood test, ultrasound, MRI, any endoscopy procedure, x-ray), if any

      • Hospital Confinement records of present and past illness, if any

      • HMO utilization report, if any

   2. For minor beneficiary (less than 18 years old):

      • Birth certificate of the minor beneficiary

      • Affidavit of legal guardianship for claim proceeds less than PHP 500,000 or USD 10,000 (The form for Affidavit of legal guardianship is provided by us once claim is approved)

      • Guardianship bond for claim proceeds more than PHP 500,000 or USD 10,000

        
        For the guardianship bond, to seek legal assistance to submit the following requirements:

         

         - Petition for the approval of a guardian’s bond;

         - Court order approving the issuance of a bond; and

         - A guardian’s bond.

         

   3. If death is by external causes (e.g., accident, homicide, suicide, murder):

      • Certified true copy of the Final Investigation report of police authorities or National Bureau of Investigation

      • Driver’s license and vehicle registration if the Deceased was driving a vehicle at the time of death

      • Certified true copy of Medico-Legal Report or Autopsy Report, if any

      •  Police report/Incident report if death is due to accident

   4. If the policy has been assigned:

      • If the related loan has no outstanding balance at the time of death, duly signed Release of Assignment from the Assignee

      • If the related loan has an outstanding balance, certification of outstanding indebtedness (signed by the Assignee) of the Deceased at the time of death. The assignee must also submit the Claimant Statement and a valid government-issued photo ID.

   5. For Group Yearly Renewable Term or Group Personal Accident

      • Employer’s Certification

   6. For Mortgage Redemption Insurance (MRI)

      • Certificate of Coverage of Group Creditor Life Insurance

      •  Certificate of Outstanding Loan from Creditor on the amount of loan outstanding at the time of death

   7. For Field Trip Coverage

      • Field trip certificate from school

      •  Incident or police report

B. Medical claim (for accident or hospital income claims) 

1. Additional mandatory requirements based on type of claim

   1. For Daily Hospital Income/Intensive Care Unit

      • Hospital Statement of Account with admission and discharge date

      • Clinical Abstract

   2. For Accidental Medical Reimbursement

      • Incident Report/Police Report describing the accident

      • Official receipts related to the treatment of the injury and within 30 days from date of accident

      • Prescription of the medicines used during treatment

   3. For Surgical Expense Benefit

      • Record of Operation

      • Original official receipts for surgeon’s fee, anesthesiologist’s fee, operating room fee, and recovery room fee
        
        

2. Standard requirements

   1. Hospitalization and Reimbursement Claim form

      Download Hospitalization and Reimbursement Claim form

   2. Attending Physician’s Statement 

      Download Attending Physician's Statement

   3. One (1) valid government-issued photo ID of the claimant
      
      

3. Other conditional requirements

   1. For Dengue

      1. Any of the following confirmatory laboratory test results on Dengue:

         • Dengue Virus Antigen Detection (NS1); or

         • Dengue IgM (MAC-ELISA); or

         • Thrombocyte count less than 100,000/mm², with hospital confinement as shown by:

            - admission summary and discharge clinical abstract summary, and

            - duly certified statement of account of hospitalization

   2. For Typhoid

      • The diagnosis must be confirmed by the Life Insured’s attending physician, accompanied by any of the following confirmatory tests for Typhoid and Paratyphoid Fever:

        • Widal test for S typhi O values of more than or equal to 1/200;

        • Stool, Urine, Blood or Bone Marrow culture to detect Salmonella enterica serotype Typhi (S. typhi), or value> 7 from the results of the tubex test; or

        • Typhidot test

          • admission summary and discharge clinical abstract summary, and

          • duly certified statement of account of hospitalization

   3. For Measles

      • The diagnosis must be confirmed by the Life Insured’s attending physician, accompanied by the following confirmatory test for Measles:

        • The diagnosis must be confirmed by the Life Insured’s attending physician, accompanied by the following confirmatory test for Measles:

          • Measles (Rubeola) IgM antibody

   4. For Malaria

      • The diagnosis must be confirmed by the Life Insured’s attending physician, accompanied by the following confirmatory test for Malaria:

        • Peripheral smear for Malaria parasites (MP test)

   5. If the claimant is or the event happened outside the Philippines

      • All forms and proofs of claim obtained outside the Philippines must be in English and apostilled or duly authenticated by the Philippine Embassy or Consul of the country where the event happened.

      • Medical records from a hospital located abroad do not require authentication by the Philippine Embassy located in the foreign country. Apostille mark or stamp for medical records is accepted.

   6. If the claimant is a legal entity

      • Secretary’s Certificate confirming the board resolution authorizing the company representative

      • General Information Sheet

      • One (1) valid government-issued photo ID of the representative

C. Critical Illness claim (for major disease claims) 

1. Standard requirements

   1. Claimant Statement 

      Download Claimant Statement - Critical Illness

   2. One (1) valid government-issued photo ID of the claimant

   3. Complete Medical Records supporting the critical illness diagnosis (duly certified by the issuing hospital/institution):

      • Admission and Discharge Summary;

      • Clinical Summary and Abstract;

      • Diagnostic procedure results supporting the diagnosis (e.g. ECG, biopsy, blood test, ultrasound, MRI, any endoscopy procedure, x-ray, etc..)

      • History Sheet: Contains the chief complaint, personal and family history (past and present)
        
        

2. Additional requirements based on type of illness

   1. For cancer

      • Attending Physician’s Statement – Crisis Cover (Cancer, Terminal, or Other Illnesses)

        Download Attending Physician’s Statement – Crisis Cover Cancer Terminal or Other Illnesses

      • Biopsy and/or histopathology results

      • If leukemia, bone marrow diagnostic result

   2. For stroke

      • Attending Physician’s Statement – Crisis Cover (Stroke) 

        Download Attending Physician’s Statement – Crisis Cover Stroke

      • CT scan or MRI result/s

   3. For heart attack

      • Attending Physician’s Statement – Crisis Cover (Heart Attack)

        Download Attending Physician’s Statement – Crisis Cover Heart Attack

      • All ECG Results and interpretations – Series

      • Cardiac enzyme – Troponin / CK-MB

      • Coronary angiogram result

      • Echocardiogram, if any

   4. For brain tumor

      • Attending Physician’s Statement – Crisis Cover (Cancer, Terminal, or Other Illnesses) 

        Download Attending Physician’s Statement – Crisis Cover Cancer Terminal or Other Illnesses

      • All CT scan/s

      • Biopsy result, if any

      • MRI result/s

      • Record of operation, if any

   5. For renal failure

      • Attending Physician’s Statement – Crisis Cover (Renal Failure)

        Download Attending Physician’s Statement – Crisis Cover Renal Failure

      • BUN

      • Creatinine

      • Dialysis record (Certified True Copy)

      • Glomerular Filtration Rate (GFR)

      • Urinary Creatinine Clearance

      • Urinary Protein Determination

1. Standard requirements

   1. Claimant Statement 

      Download Claimant Statement - Disability

   2. Attending Physician’s Statement 

      Download Attending Physician's Statement - Disability 

   3. One (1) valid government-issued photo ID of the claimant

   4. Activities of Daily Living

      • Complete Medical Records supporting the Disability (duly certified by the issuing hospital/institution):

      • Neurological Examination

      • Clinical Abstract for Confinement, if any

      • Certified True Copy of Record of Operation, if any

      • Employer’s Certification

      • SSS Certification on Total and Permanent Disability, if any

Step 1: Start your claim
Complete the claims request form to let us know you're making a claim.

Step 2: Prepare your documents
Prepare the necessary forms and documents while you wait for our acknowledgement.

Step 3: Submit your documents
Submit your documents via email to makeaclaim@prulifeuk.com.ph.

Step 4: Receive your claim
Once approved, we'll send your claim to you via fund transfer or Gcash.

• For living benefit, the life insured or policyowner can file a claim.

• For death benefit, a beneficiary of legal age or a minor beneficiary’s guardian can file a claim.

For incontestable claims, processing takes nine (9) calendar days after submitting all required documents. For contestable claims, processing takes 16 calendar days from the date you submit all necessary documents. You will receive an acknowledgment email upon submission of your claim, as well as updates on any additional requirements, the claims decision, and claims crediting.

To check the status of your claim, please send an email to makeaclaim@prulifeuk.com.ph with the subject line: Claims_inquiry_ticket number.

Alternatively, you can call our Contact Center at (632) 8887-5433 / 1-800-10-7785465 or visit the nearest customer service center

Claimants can choose to receive their funds either through an electronic bank transfer to their preferred account or via GCash, subject to certain threshold amounts. The details for both options will be provided in the claimant statement form.

Yes, you can make a claim even if you are overseas. You need to submit the claimant statement form authenticated by the Philippine Embassy or Philippine Consulate in your location if applicable.

Yes, another person can file a claim on your behalf if you are unable to do so due to medical conditions or disability. They must be duly authorized with a notarized special power of attorney. Please refer to the standard requirements for more details: for death claims and medical claims.

Generally, the primary beneficiary receives the payout for death claims, unless a court order disqualifies them.

After the initial owner passes away, the policy ownership will be transferred to the person insured.

Contestability is the period when Pru Life UK can review the insured’s past medical history to determine material concealment.  This period is within two (2) years from the policy’s effectivity date or last reinstatement date up to date of covered event (death, disability, illness). To know if your life insurance is contestable or not, check your policy start date.

The contestability period does not impact the premium you pay or the coverage provided by your policy. Both remain unchanged, ensuring that your financial commitments and protection levels are maintained as originally agreed.

Once the benefit is approved, the designated beneficiaries will receive the payout as specified in the policy. This ensures that the financial support intended for them is delivered promptly and efficiently.

PRU Life Care Plus

PRU Life Care Advance Plus

Pru Multiple Life Care Plus

PRUHealth Prime

PRUHealth FamLove

You can apply for a surgical expense benefit when you are admitted as an in-patient in a hospital for at least 12 hours and you incur expenses for the operating room, recovery room, and professional fees for the anesthesiologist and surgeon.

Note: Take a moment to review your insurance policy to understand the full extent of your coverage

After being discharged, you can file a claim once your statement of account shows both the date of admission and the date of discharge. You need to be admitted for at least 12 hours. Stays in the emergency room don't count.

Note: Take a moment to review your insurance policy to understand the full extent of your coverage

You will receive a fixed amount for each day you stay in the hospital or ICU as an in-patient.

Note: Take a moment to review your insurance policy to understand the full extent of your coverage