Claims FAQ

In most cases, you need to be the beneficiary of the policy, or the administrator/executor of the deceased’s estate. If the beneficiary is below 18 years old, their parent or legal guardian should file the claim.

First, you need to fill in the three following sections of the claim form:

1. Information of Deceased 
2. Information of Claimant 
3. Declaration and Authorisation 

If the policy has more than one beneficiary, each one needs to complete a separate claim form or submit a separate Supplementary Information of Claimant.

Also, you need to submit the Physician’s Statement part of the Death Claim Form, completed by the deceased’s attending doctor.

You need to complete an application form with the deceased's personal details. You also need the following documents:

1. Notarised Certificate of Death 
2. If the death occurred in hospital, you need a medical certificate from that hospital showing the cause of death 
3. If the death did not occur in hospital, you need a death certificate (showing the cause of death) issued by the local police 
4. The Hong Kong or Macau ID card and China re-entry permit or travel document of the deceased (for Hong Kong or Macau resident) 
5. The De-registration of Residence of the deceased (for citizen of mainland China) 
6. Your own Hong Kong or Macau ID card and China re-entry permit or travel document
   

You can apply to the Court for a Declaration of Presumption of Death after the person has been missing for 7 years. Before the presumption is declared, you need to continue paying the premiums. Later, we will calculate and refund any overpayment based on the date of the declaration.

We reserve the right to recover the proceeds if the insured person is later found alive.

The payment is made to the beneficiary of the policy. However, if:

• the beneficiary is below 18 years old, the proceeds are given to their surviving legal guardian as trustee.
• the beneficiary of the policy dies before the insured, the proceeds are owned by the policyholder.
  
• the policy is assigned to someone else, we firstly follow the Assignment Deeds and give the assigned amount to the assignee, or the executors / administrators of their estate; any balance goes to the beneficiary.
  
• no beneficiary is assigned, and the policyholder is still alive, the proceeds are owned by the policyholder.
  
• no beneficiary is assigned, and the policyholder has died, the proceeds go into the policyholder’s estate.
  

No. The proceeds of a death claim are not subject to estate duty in Hong Kong.

You can either give them to your financial planner or broker, or mail them to us at:

Hong Kong:
AIA Wealth Select Centre,
12/F AIA Tower,
183 Electric Road, North Point,
Hong Kong

Macau:
AIA Customer Service Centre,
Unit 1903, 19/F AIA Tower,
Nos. 251A-301 Avenida Comercial de Macau, Macau

Please send us the Claim Form with the supporting documents within 90 days of the accident, discharge from hospital or death of the insured.

It should include the following information:

• Full name of patient
  
• Date of consultation 
• Diagnosis 
• Breakdown of charges 
• Official stamp of service provider or signature of doctor
  

Please fill in the Request for Return of Original Documents Form (click here), and hand it in with your claim.

Yes, in addition to the claim form and the original receipts, please provide a breakdown of the reimbursement from the other party so we can process the payment of any balance.

These benefits are paid to the policyholder. If the policyholder has died, it goes into their estate.