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Employee compensation claims

I want to file an employee compensation claim

Before you claim
1. Prepare the documents
2. Submit all required documents
Next steps

If you're an employee looking for compensation, you need to first speak to your employer's HR team or (if you can't find resolution) speak to the Labour Department.

Helpful notes to HR teams
Note that if an employee suffers injury or loss of life as a result of an accident while they’re working, employers will be liable to financially compensate for this (under the "Employees' Compensation Ordinance” law).

Check the claim is eligible
It’s always a good idea to first check that the policy covers the claim. The quickest way to do this is by checking the original paperwork. Or feel free to give us a call on 3123 3123.

Send us the claim within 30 days
Please submit your claim within 30 days of the event you’re claiming for.

Points to note

  • It’s important that employees don’t enter into any third-party correspondence or admit any third-party liability without first discussing with us.
  • Employees are advised to keep any accident report and/or witness statement
  • Employers should notify the Labour Department with a signed and completed Form 2/2B/2A within 14 days (within seven days in case of any loss of life (death). This timeline should be observed if employers witness any accident (regardless of whether they think it’s serious or even if anyone is in doubt of its validity). Click here to find more details and forms. Or download “a concise guide to Employee’s Compensation Ordinance“ provided by Hong Kong’s Labour department.
  • For injuries involving temporary incapacity exceeding three days, employers should inform the Labour Department (Occupational Medicine Unit) regarding the recovery of the injured employee. After the employee resumes duty, they can proceed with medical clearance by submitting their medical certificate records to the Labour Department. The Commissioner for Labour will assess the compensation payable and issue both employer and employee a Certificate of Assessment & Demand note (for prosthesis and surgical appliance cost), also known as Form 5 and/or Form 7, Form 6, and Form 9. Please submit these forms as soon as they’re received..

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.

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When will you pay me?

We aim to make a claims decision within 14 working days. However, occasionally we need more time to make a claims approval decision. 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. When we approve claims, we then aim to pay within 10 working days.

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How will you pay me?

Once your claim is approved, we'll send a cheque. For some claims you can select your preferred payment method. If this is the case, we’ll highlight this on the claims form.

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

Please keep all original copies of any documents for three months (even after you’ve been paid). This is because occasionally we need to see these to either verify a claim or as part of our own internal auditing and checks.

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Who do I speak to if I have a question on my claim?

We’re always happy to assist with any queries or questions you may have. Simply head to our customer support page and get in touch, however it suits you best.
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What if I have a complaint?

We hope you won't need it but for easy reference, our complaints procedure is here.

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.

Medical claims

At FWD we have a simple 3-step process should you need to make a claim on your group medical insurance for hospitali…

Critical illness claims

At FWD we have a simple 3-step claims process should you need to make a claim on your critical illness insurance.

Accident claims

At FWD we have a simple 3-step claims process should you need to make a claim on your accident insurance.

Loss of life claims

At FWD we have a simple 3-step claims process should you need to make a claim on your group life insurance.

Disability claims

At FWD we have a simple 3-step claims process should you need to make a claim for disability on your group accident …

Property and liability claims

At FWD we have a simple 3-step process should you need to make a claim on your group medical insurance for hospitali…

Car and cargo claims

At FWD we have a simple 3-step claims process should you need to make a claim on your commercial car or marine cargo…

Need help with your claim?

No problem. These are the different ways we can help and support.

Call customer support

We’re here to help Mon – Fri 9am – 6pm and Sat 9am-1pm.

Start a live chat now

We’re available 24/7.

Leave a message

Send us your enquiries, or any feedback. We’ll get back to you shortly.

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