Total permanent disability claims

How to file a claim

Before you claim

Important notes before you claim

If your total permanent disability has caused a loss of limb, you can make a claim immediately.
If your total permanent disability has been caused by a disease or by accident, please contact your agent or contact us for advice.
Please check our list of documents needed.
Please note we need to see all hard-copy documents. You should also let us know if you’ve received any medical treatment since the date that you became totally and permanently disabled.

Need help?

You are welcome to email us to check if your documents and forms are in order. Please email customer_care.kh@fwd.com

1. Prepare and send us the following documents

Certified true copy

Certified true copy means it's a signed copy of an original document. This then needs a new signature from you, the claimant (even if it's already been signed by you or somebody else).

Any medical examination reports such as lab investigations, CT results and reports.
- Please note these must be signed by somebody with the relevant authority to sign-off on your original documents. For example, it might be the lab technician or the hospital/clinic manager or the person who performed any treatment or tests.

Your medical certificate.
- This can be a handwritten or a printed statement but it must from your doctor with their signature and/or clinic stamp, stating the results of any medical diagnosis or examination.

2. Fill out a claim form

Claim form

Statement of attending physician's form

This form must be completed by your doctor.

3. Submit the claim form and any required documents

By mail

Send to:

FWD Life Insurance (Cambodia) PLC.

Siri Building. Customer service the 1st Floor, #104, Russian Federation Blvd, TeukL’ak I, TuolKork, Phnom Penh, Cambodia

Your questions answered

We believe it's part of our job to make the claims experience as easy as possible. These are some of the questions you might have and the answers we can give you. If you’re unsure about anything, simply get in touch.

When will you make a decision on my claim?

We aim to make a claims decision within 14 working days after we’ve received all completed forms and all the documents we need. Please ensure you send us everything we need as we can’t start to process your claim until we have everything we need.

Please note that occasionally we need more time to make a decision on a claim. This could be for a number of reasons - for example the type of claim, how complex the case is, and whether we have all the information and documents we need.

How and when will you pay me?

Once your claim is approved, we'll send a cheque. For some claims you can select your preferred method to receive your claim. If this is the case, we’ll highlight this on the claims form. We aim to make all claims payments within five working days.

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

Please keep all original copies of any documents until we make a claim decision. This is because occasionally we need to see these to either verify a claim or as part of our own internal auditing and checks.

Looking to make a different claim?

We have 'how to claim' guides for all types of insurance plans. Simply select from one of the options below.

Critical illness claims

Loss of life claims

Frequently asked questions

How can I check my claim status?

If the beneficiary is minor, how should I proceed with a death claim?

If the insured has died, does the beneficiary or the guardian of the beneficiary have to pay the life insurance premium when it is due?

If the insured or premium payer has been totally and permanently disabled or has passed away and FWD has received the claim documents but not completed the claim process, does the insured or the guardian of the beneficiary have to continue paying life insurance premium when they are due?

How can I obtain a new cheque if my cheque was lost, expired, or I failed to receive it?