Provides coverage for physical loss or damage to the declared property except the perils which are clearly listed under the exclusion heading of the Policy.
On discovery of loss or damage to any item:
On the discovery of a loss:
These medical codes follow standards. For diagnoses, the main coding system is the ICD-10, short for International Statistical Classification of Diseases and Related Health Problems, 10th Revision. It’s published by the World Health Organization.
On the discovery of a burglary:
Your policy may be extended to cover some or all of the following perils:
Bush Fire, Burst Pipes, Explosion, Earthquake, Normal Flood, Windstorm, Impact Damage by third party vehicles or animals, Malicious Damage, Riot and Strike, Smoke Damage, Tornado, Windstorm, Spontaneous Combustion.
After any incident that may be covered under this policy, the following actions must be taken;
After any incident that may be covered under this policy, the following actions must be taken;
As soon as you become aware of an accident or incident which may give rise to a claim under this policy it
is imperative that you:
The following documentary evidence is required in order to process a claim:
Health Claims must be submitted to our office within ninety days from the date the expense was incurred.
Contact us at ebsunit@rms.co.tt and we will provide you with guidance on how to submit notice of a death claim.
There is a six-month waiting period after the policy is first effected. If a person dies from natural causes during the waiting period, a claim will not be paid. However, if a person dies from accident within the six months, a claim will be paid.
To file a claim, the policyholder’s estate or beneficiary, must present the original death certificate and proof of age showing name and date of birth of the deceased and the claimant in the form of: Identification card,
driver’s permit, passport or birth certificate. In addition, the Insured Member’s Certificate of Insurance