Claims

No one wants an untoward incident and when such an incident arises, our policyholders and claimants mean the most to us. This is the moment that reinforces our promises to you.

At ECICS, we have a dedicated claims team with years of technical experiences. It is our responsibility to ensure that genuine and legitimate claims are settled accurately and professionally without much hassle. We do it by making our claims procedures and processes simple, and ensuring that we deliver a consistent service to our policyholders and claimants.

To ensure your claim is handled promptly and efficiently, please submit all original supporting documents to ECICS Limited, 10 Eunos Road 8, #09-04A Singapore Post Centre, Singapore 408600.

Call Us

6337 4779

Mon to Fri (excluding PH)
0830hrs – 1800hrs

Email Us

claims@ecics.com.sg

Visit Us

10 Eunos Road 8
#09-04A Singapore Post Centre
Singapore 408600
What you need to do if you are lodging a Home Contents claim?

Kindly call our Emergency Assistance @ 6303 0308 or 6303 0167.

1. In the event of a claim that involved fire or water damage:
  • Contact our Claims Team during Monday to Friday (excl. public holiday) from 8.30am to 6.00pm
  • We will assess the situation and advise you, if a loss adjuster is needed to conduct a site survey. Important Information:
Take all necessary measures and process to mitigate any further damage and/or loss;
  • Do not discard off the damaged items until our advice and approval;
  • Make a police report immediately if the loss arises from housebreaking, theft, malicious damage, vandalism or other criminal acts.
2. If a loss adjuster is not needed, the following steps below will help you in your submission of the claim. For our Claims Team to assess and approve:
  • Submit the claim within 14 days of the happening of any incident. Click HERE for a copy of the claim form for your completion.
Documents Required
  • Original completed Claim Form;
  • Original purchase invoices or receipts;
  • Colour photographs of the damaged item(s);
  • Assessment report from the repairer on the cause and extent of the damage items(s);
  • Quotations for repair of the damaged item(s) or replacement of the lost item(s);
  • Original invoices or receipts for the repair or replacement;
  • Police report, where applicable.

The list of documents stated above is not exhaustive. Other documents may be requested if necessary, which our Claims Team will advise you in writing.
What you need to do in the event of an accident?

Importantly stay calm and follows these steps:

Step 1. Obtain Information
  • Write down the particulars of parties involved, including name, NRIC/FIN number, phone number, address and insurance company;
  • Take note of the vehicle numbers;
  • Take digital photographs of all involved 3rd-party vehicles and the accident scene;
  • Avoid discussing liability with others involved in the accident, or their lawyers.
  • Refer all communications unanswered from them to ECICS without delay.
Step 2. Call our authorised workshop for a tow truck if you need a towing service or for further advise on the accident
  • Refer to our list of authorised workshops in your insurance document or click HERE.
  • Do not accept any offer by roadside touts offering free tow-truck services, or referral to unauthorised workshops with free use of rental cars.
This may compromise your claim or defence to a claim. You are required to make a police report in the following situations before you proceed to the Approved Reporting Centres for your accident reporting:
  • Injuries involved;
  • Damage to Government vehicle/property;
  • Damage to foreign vehicle;
  • A hit and run party;
  • Pedestrian or cyclist involved;
  • Vehicle is stolen or vandalised;
  • Any accident outside of Singapore.
Step 3. Accident Reporting
  • To report the accident, bring along your accident vehicle (whether damaged or not) to one of our authorised workshops which also served as ECICS Approved Reporting Centre within 24 hours or by the next working day.
  • You must bring along your/the driver’s NRIC or other identification documents, driving licence the original Vehicle Insurance Certificate.
  • Submit you digital photographs and your in-vehicle video footage to our approved reporting centre’s representative.
What you need to do if you are lodging a Personal Accident (PA) claim?

Submit the claim within 14 days of the happening of any accident. Click HERE for a copy of the claim form for your completion.

Documents required
  • Original completed Claim Form;
Accidental Death Benefit
  • Certified True Copy Death Certificate;
  • Other Type of Reports:
    • Accident report;
    • Investigation report;
    • Police Report;
    • Post Mortem and Toxicology , if applicable.
Daily Hospital Allowance
  • Copy of the Admission and Discharge Summary Report;
  • Medical report including regular doctor report.
Medical Expenses
  • Original medical Invoices;
  • Admission/Discharge Report (for Hospitalisation claims only);
  • Medical report including regular doctor report.
Permanent Disablement Benefit
  • Medical report including regular doctor report.
Temporary Total / Partial Disablement
  • Copy of Proof of employment;
  • Original or Certified True Copy of Medical Certificates, if original is kept by your employer.
  • Accident report, investigation report and/or Police Report.
  • Medical report including regular doctor report.
Other Benefits
  • Contact our Claims Team during Monday to Friday (excl. public holiday) from 8.30am to 6.00pm, we will advise you on the process and type of documents needed.
Important Information
  • All medical reports and information required by us shall be furnished at the policyholder or claimant expense.
  • The list of documents stated above is not exhaustive. Other documents may be requested if necessary, which our Claims Team will advise you in writing.
Foreign Worker Medical What you need to do if you are lodging a Foreign Worker Medical claim for your employee.
  • Contact your insurance agent or insurance brokers;
  • Alternative, contact our Claims Team during Monday to Friday (excl. public holiday) from 8.30am to 6.00pm;
  • Otherwise, submit the claim within 14 days of the happening of any accident. Click HERE for a copy of the claim form for your completion.
Documents required
  • Original completed Claim Form;
  • Copy of the Work Permit;
  • Original Medical Bills;
  • Copy of In-Patient Discharge Summary from the hospital;
  • Copy of the Death Certificate, Post Mortem and Toxicology (where applicable).
  Important Information
  • All medical reports and information required by the Company shall be furnished at the policyholder or claimant expense.
  • The list of documents stated above is not exhaustive. Other documents may be requested if necessary, which our Claims Team will advise you in writing.
Work Injury Compensation

What you need to do if you have a Work injury claim for your employee.

All employees regardless of salary level, with some exceptions can make a WIC claim for medical leave wages, medical expenses and lump-sum compensation for permanent incapacity or death, if the accident arises out of and in the cause of employment. Since 1 January 2016, the maximum and minimum compensation limits for death and total permanent incapacity under Work Injury Compensation Act (WICA) have been increased. The cap on medical expenses has also been increased. For more information, please visit the Ministry of Manpower Website. Employers can submit the accident report using the iReport system. As an employers are required to report work-related accidents to MOM within the time stipulated below:

What to report Reporting Timeline
Where the accident results in death of an employee Within 10 days of occurrence
Where the accident results in any incapacity that renders the employee unfit for work for more than 3 calendar days (whether consecutive or not) or hospitalised for at least 24 hours.
Where Employee contracts an occupational disease
Important Note: Failure to report a work-related accident is an offence which carries a fine of up to $5,000 for the first-time offence, and a fine of up to $10,000 and/or jail term of up to 6 months for subsequent offences.
  • Submit the claim within 14 days of the happening of any accident. Click HERE for a copy of the claim form for your completion.
Documents required
  • Original completed Claim Form;
  • Copy of the iReport that you have submitted to MOM;
  • Copy of Work Permit / Employment Pass;
  • Original Medical invoices/receipts;
  • Original Medical certificates;
  • Copies of wage payment vouchers or salary slips of the injured employee 12 months prior to the accident;
  • Copy of Medical report/Inpatient Discharge Summary if applicable;
  • Copy of death certificate, if accident resulted in death of employee.
If injured person is a sub-contractor’s employee / engaged in a project work, please let us have these additional documents:
  • Contract agreement between you and sub-contractor and/or main contractor;
  • Copy of sub-contractor’s and/or main contractor’s Work Injury Compensation Insurance Policy.
The list of documents stated above is not exhaustive. Other documents may be requested if necessary, which our Claims Team will advise you in writing.

What you need to do if you received a claim or letter from your employee’s lawyer.

In the event you as an employer, received a letter or demand from your employer’s lawyer:
  • Importantly, do not discuss the accident or liability with them.
  • Instead, request the lawyers to contact ECICS Claims Team directly or take down the lawyer’s name and contact number and forward it to us which we will deal with them directly.
  • If you receive any letters or documents from the lawyers, notify us by forwarding the documents to us immediately unanswered to claims@ecics.com.sg (please remember to quote your policy number, date of accident in the email).
Public Liability What you need to do if you have a Public Liability claims.
  1. In the event of a claim:
  • Contact your insurance agent or insurance brokers;
  • Alternative, contact our Claims Team during Monday to Friday (excl. public holiday) from 8.30am to 6.00pm;
  • Tell us the incident and we will assess the situation and advise you, if a loss adjuster is needed to conduct a site survey.
  Important Information:
  • Take all necessary measures and process to mitigate any further damage and/or loss;
  • Make a police report immediately if the damages or loss arises from malicious or other criminal acts.
 
  1. If a loss adjuster is not needed, the following steps below will help you in your submission of the claim for our Claims Team to assess and approve:
  • Submit the claim within 14 days of the happening of any incident. Click HERE for a copy of the claim form for your completion.
  Documents required
  • Original completed Claim Form;
  • Police and incident Report;
  • Colour photographs of the damaged item(s);
  • The CCTV footage showing circumstances of incident;
  • Assessment report from the repairer on the cause and extent of the damage items(s);
  • Tenancy and/or Contract Agreement (where applicable);
  • All correspondences from third party including letter of intention to claim, Writ of Summons, etc.
The list of documents stated above is not exhaustive. Other documents may be requested if necessary, which our Claims Team will advise you in writing.  
Property What you need to do if you are claiming under your corporate Property insurance.
  1. In the event of a claim that involved fire or water damage:
  • Contact your insurance agent or insurance brokers;
  • Alternative, contact our Claims Team during Monday to Friday (excl. public holiday) from 8.30am to 6.00pm;
  • Tell us the incident and we will assess the situation and advise you, if a loss adjuster is needed to conduct a site survey.
  Important Information:
  • Take all necessary measures and process to mitigate any further damage and/or loss;
  • Do not discard off the damaged items until our advice and approval;
  • Make a police report immediately if the loss arises from break-in, theft, malicious damage, vandalism or other criminal acts.
 
  1. If a loss adjuster is not needed, the following steps below will help you in your submission of the claim for our Claims Team to assess and approve:
  • Submit the claim within 14 days of the happening of any incident. Click HERE for a copy of the claim form for your completion.
  Documents required
  • Original completed Claim Form;
  • Original purchase invoices or receipts;
  • Colour photographs of the damaged item(s);
  • The CCTV footage showing circumstances of incident;
  • Assessment report from the repairer on the cause and extent of the damage items(s);
  • 2 competitive quotations for repair of the damaged item(s) or replacement of the lost item(s);
  • Original invoices or receipts after the repair or replacement;
  • Police report and incident report, where applicable;
  • Any correspondences if it involved a negligent third party.


The list of documents stated above is not exhaustive. Other documents may be requested if necessary, which our Claims Team will advise you in writing.
CLAIMS - ECICS Insurance
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