Group insurance - Death claims

Contact employer HR department

Collect documents

File the claim

Result and payment

Contact employer HR department

We understand that making a death claim can be a challenging and emotional process. We are here to support you during this difficult time.

This claim can only be triggered by the HR department of the deceased. You should contact the HR department asap to check on their claims procedure and any policy details, for example policy number and cover.

Tips: The HR team must submit the claim form to us within 45 days from the date of loss. All other documents can be sent within 90 days from the date of loss.

Collect documents

Claim forms

Death Claim Form

(To be completed by the beneficiary)

Attending Physician's Report

(To be completed by attending doctor. Only needed if the policy has been effective less than 3 years)

Required documents

If the insured is a Hong Kong permanent resident and the loss happened in Hong Kong:	If the insured is a Hong Kong permanent resident and the loss happened overseas, besides #1-6, we also need:	If the insured is not a Hong Kong permanent resident (i.e. China resident), besides #1-6 and #7-8 (if applicable), we also need:
Copy of insured and beneficiary’s ID Original certificate of death Beneficiaries Designation Form (If there are no beneficiaries, please provide letters of administration) Copy of employment letter of the deceased Copy of the last three months' salary of the deceased. For example, pay slips from the employer Guardianship paper (only if the beneficiary is under 18)	7. HKID cancellation proof 8. Notarial certificate issued by the local Notary Public Office	9. Original documents of ‘Cancellation of household booklet’ or 'Cancellation of legal identity/citizenship'

File the claim

Please submit all the documents listed under ‘02 Collect documents’ section to us.

By post

Send to:

FWD Employee Benefits Department

19/F, Tower 1, Millennium City 1, 388 Kwun Tong Road, Kwun Tong, Kowloon

In person

Submit to:
Any FWD Insurance Solutions Centre

Result and payment

How long do I need to wait for the result?

The duration of waiting for a claim result can vary depending on several factors, including the complexity of the claim, the completeness of all required supporting documents, and etc.

Normal case	Early claim
We aim to complete reviewing a claim application within 14 working days.	Refers to submitting a claim shortly after purchasing the insurance. We will need to consult with the Hospital Authority or relevant healthcare institutions to verify the patient's medical records.
7-14 working days	Average 8-12 weeks

We will notify your HR department once the result is out.