Make a personal accident claim

An accident generally means an event that results in a sudden and unforeseen injury that you could not have avoided. Your injury cannot be related to any illness or disease, or any other cause.

If you want to make a follow-up claim for the same accident, skip to Submitting a follow-up claim for the same accident.

Topics covered

Submitting a claim
Tracking claim progress
Getting claim payout

Claim coverage

Specific benefits and coverage limits vary by plans. Please check your plan type and policy coverage for more details. Depending on your plan, you may be able to claim for:

Reimbursement for medical bills and hospital stays due to:

Accidents or

Selected sicknesses such as dengue fever; Hand, Foot and Mouth Disease; and food poisoning

Reimbursement for Traditional Chinese Medicine (TCM) treatments, if your TCM practitioner is registered with the Ministry of Health of Singapore
Weekly payouts while you are unable to fully/partially perform your work duties
Lump sum payout in the event of permanent disablement (e.g. total permanent disability, loss of use of limbs,
etc.)
In the event of death, the payout may be paid to a nominated beneficiary, assignee or a trustee of the policy, as the case may be. Otherwise, it will be paid to your legal representative or a Proper Claimant (as defined under Section 150(12) of the Insurance Act).

1. 1st claim

Make your 1st claim early. Some plans require you to notify us within 28 days of an accident, while others may allow up to 90 days.

2. Follow-up claims

Your plan coverage includes any eligible follow-up expenses incurred within 365 days of the accident

View your policy details

For more details about your specific plan, you can retrieve your policy contract from the Great Eastern App (only for policies purchased after 22 Aug 2019).

Step-by-step claim guide

1. Submitting a claim

Send your documents to us via the Great Eastern App or email.

2. Tracking claim progress

Receive updates on your claim progress and get notified when it is approved.

3. Getting claim payout

Get reimbursed quickly via PayNow.

1. Submitting a claim

a. Gather your documents

Include these documents in your claim submission:

Form

Purpose

Claimant's Statement

To be completed with details of your claim. This document is not required if you submit your claim on the Great Eastern app.

Doctor’s Statement

Required only if:

Your claim is more than S$1,500
Your claim is less than or equal to S$1,500 but you are unable to provide supporting documents indicating:

a. Cause of hospitalisation, or

b. Disability and period of disability

You are making a disability claim, regardless of claim amount

Download all forms

You will also need to submit the following documents:

For medical expenses

Final hospital or medical bills
Supporting documents stating the diagnosis and cause of injury/sickness
Inpatient discharge summary (if there was hospitalisation)

For TCM treatment

Bills issued by a registered TCM practitioner with the following details:

1. Detailed breakdown of charges

2. TCM physician’s signature with name and registration number and/or clinic stamp

3. Diagnosis, date of accident, cause of injury, and injured body part

For disability

For claims for weekly payoutswhile you are unable to fully/partially perform your work duties.

Medical certificates
Supporting documents stating the diagnosis and cause of injury/sickness

For permanent disablement

All available laboratory and test results
Police report or newspaper clipping (if available)

For total permanent disability

Refer to the section 1. Prepare supporting documents on the Make a total permanent disability claim page for additional documents required.

For death

Refer to the Make a death claim page for additional documents required.

If you wish to receive payment via direct credit, provide a copy of your bank statement stating the account number and account holder's name

For faster payout, link your NRIC/FIN to your PayNow account using your banking app instead

Include these documents in your claimsubmission:

For medical expenses

Final hospital or medical bills
Supporting documents stating the diagnosis and cause of injury/sickness
Inpatient discharge summary (if there was hospitalisation)

For TCM treatment

Bills issued by a registered TCM practitioner with the following details:

1. Detailed breakdown of charges

2. TCM physician’s signature with name and registration number and/or clinic stamp

3. Diagnosis, date of accident, cause of injury, and injured body part

For disability

For claims for weekly payoutswhile you are unable to fully/partially perform your work duties.

Medical certificates
Supporting documents stating the diagnosis and cause of injury/sickness
Doctor’s Statement (if it has been more than 4 weeks since you last provided one)

If the documents are insufficient for our processing or the cumulative claim amount exceeds S$1,500, you will need to submit a Doctor's Statement.

Tips for submitting documents successfully

Digital copies preferred: Retrieve the PDF copy if your clinic had provided one or download your bills from the HealthHub app if you had visited a restructured hospital or polyclinic.
Clear photos get processed faster: View our guide for tips on taking good photos of medical bills and some examples for reference.

b. Submit via the following channels

Our Great Eastern app offers a fuss-free way for you to submit your claims quickly, and allows you to select which plan you wish to make a claim under. If, for some reason, you are unable to select your policy during claim submission, please let us know via email along with your claim details and the required documents.

Alternatively, you can submit a claim via your Financial Representative, who can also help follow up on your specific needs.

Methods

Great Eastern App

Great Eastern App
Online form
Walk-in or post

Great Eastern App

1

1. Sign in to the Great Eastern App using your Great ID or Singpass.

2

2. Tap Services in the bottom menu.

3

3. Tap Claims.

4

4. Tap Life and personal accident.

5

5. Tap Make a claim.

6

6. If you have multiple policies with more than 1 life assured, select the name of the life assured you are claiming for. Otherwise, continue to the next step.

7

7. Select the reason for the claim and tap Next.

8

8. View the policy (or policies) you can claim from and tap Next.

9

9. Give a name to the claim and tap Next.

10

10. Complete the claim form and tap Next.

11

11. Upload the supporting documents and tap Next.

12

12. Select your preferred claim payout method and tap Next.

13

13. Review details and tap Next.

14

14. Read the declaration, check the box to indicate agreement with the statements and terms and conditions, and tap Submit claim.

15

15. To view your claim status or settlement letter, repeat steps 2 to 4, then select the corresponding claim.

2. Tracking claim progress

a. Receiving updates on the claim

We will send you an SMS after your claim has been successfully registered. You can check on the progress of the claims assessment on the Great Eastern App.

b. Providing additional information

If we require further details to process the claim, we will contact you via email or mail.

c. Getting notified when a claim is approved

We will send you an SMS you once we have completed the claim assessment.

A letter with a breakdown of the claim reimbursement, including information about the final payout and a detailed breakdown of the claim outcome will be available on the Great Eastern App within 2 working days.

3. Getting claim payout

If you are seeking reimbursement for medical expenses, you can expect to receive it via the following methodsdepending on how you made payment at the hospital or clinic.

If you are making a claim for disability or disablement, the payout will be made to your NRIC/FIN ID-linked PayNow account*.

For death claims, depending on whether the policy is under trust, is assigned, or has a nomination, we will pay out the policy accordingly after the submission is processed.

*If you do not have a PayNow account linked to your NRIC or FIN, you may:

Link your NRIC/FIN to your PayNow account using your banking app for a faster payout. Customers who had provided your passport number during purchase, you will also need to update your NRIC/FIN using the Update of personal particulars form.

For enquiries

You can contact our customer service for queries.

Hotline	+65 6856 8548	Available weekdays from 9.00am to 5.30pm
Email	medicalclaims-sg@greateasternlife.com	We will respond within 3 working days

Questions and Answers

If your claim amount is less than S$1,500,you may submit the following documents instead:

For Accident & Emergency visits: after visit summary from restructured hospital or discharge summary from private hospital
For medical expenses without hospitalisation: doctor memo, laboratory reports
For hospitalisation expenses: inpatient discharge summary
Disability benefit: doctor memo or inpatient discharge summary

For smoother claim processing, ensure thatthe cause of injury is clearly stated in the document.

The process is slightly different depending on the type of hospital at which your diagnosis was made. Note that the Doctor'sStatement can only be completed by the doctor who certified your condition.

For restructured hospitals

a. Download and print the Doctor's Statement template and bring it along with you to the hospital.

b. Apply through the hospital's Medical Report Office.

c. Make payment.

d. Your application may take approximately 6 to 8 weeks.

For private hospitals and specialist clinics

a. Download and print the Doctor's Statement template and bring it along with you to the
hospital/specialist clinic.

b. Pass the Doctor's Statement to your attending doctor to complete during your visit.

c. Make payment.

d. Your Doctor's Statement will be completed during your visit.

To ensure that your claim is eligible for reimbursement, verify that your TCM practitioner is registered by visiting the TCM Practitioner Board portal.

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Make a personal accident claim