Navigating the Claim Process for Personal Accident Insurance in Kenya

Ever find yourself scratching your head while trying to file a Personal Accident insurance claim?

You’re not alone! Navigating the claim process can feel like a maze, but don’t worry—we’re here to make it a breeze.

Whether you’re filing a claim with us or any other insurance company in Kenya, we’ve got your back, especially when it comes to Personal Accident Insurance. Let’s turn that confusing paperwork into a smooth and easy journey!

Here are the crucial steps to ensure a hassle-free claims process;

1.Seek medical attention

This is the initial and critical step following an accident. It ensures you get the required care and creates essential medical reports needed for your insurance claim. Be sure to document all treatments, diagnoses, and medical procedures thoroughly as these records will be crucial evidence when you submit your claim.

2. Notify your Insurance provider

After seeking medical help, be sure to inform us promptly (within 24 to 48 hours) after an accident. When reporting, remember to include essential information like the accident date, time, location and details of what happened.

3. Gather necessary documentation

To support your claim, compile a range of documents, including:

• Medical Reports: Detailed records from your healthcare provider outlining the injuries, treatment received and prognosis.
• Police Report: If the accident involved a third party, such as a road traffic accident, a police report might be required.
• Claim Form: Cannon will supply a claim form, which must be completed accurately and honestly.
• Receipts: Keep all receipts for medical expenses, transport costs to medical facilities, and other relevant costs incurred due to the accident.

4. Filling out the Claim Form

Ensure all details are accurate and consistent with the information provided in your medical reports and other documents. Double-check for any errors or omissions that might delay the processing of your claim. If unsure about any part of the form, it’s advisable to consult us for clarification.

5. Submitting your Claim

Once you’ve gathered all the necessary documents and filled out the claim form, submit your claim to any of our branches. You can typically do this online, via email, or in person. Ensure you keep copies of all documents submitted and obtain a confirmation receipt acknowledging receipt of your claim.

6. Claim Assessment

After submission, we will assess your claim. This process involves verifying the details provided and ensuring that the claim is valid under the terms of your Personal Accident cover. The claims personnel may contact your healthcare provider or request additional information during this stage.

7. Claim Approval and Settlement

If your claim is approved, we will calculate the compensation amount based on the terms of your policy. The payout could cover medical expenses, loss of income, or a lump sum payment for permanent disability or death. The settlement will then be disbursed, either directly to you or to your beneficiaries, depending on the nature of the claim.

8. What to do if your Claim is rejected

In some cases, your claim might be rejected. Common reasons include submitting an incomplete claim, providing false information, or filing a claim for an event not covered by your policy. If your claim is rejected, we will provide reasons for the decision.

Understanding the claims process can make your journey from accident to recovery much smoother. It’s not just about financial support—it’s about the peace of mind that comes from knowing you’re protected, no matter what life throws your way.

The road to recovery doesn’t have to be daunting, especially with Personal Accident Insurance from Cannon Group. With our support, you can trust that your compensation will cover your medical bills, helping you get back on your feet.

For inquiries on enrolling in our Personal Accident Cover, email us at info@cannon.co.ke or call +254 723 342 150 for a step-by-step guide.