Group life insurance

What are the Claims Reporting Channels?

At Al Koot Insurance & Reinsurance Company, we understand the importance of a swift and straightforward claims reporting process for our policyholders & beneficiaries. This procedure outlines the various channels available for reporting claims, ensuring a convenient and efficient experience for our valued customers.

Email Reporting: Policyholders/beneficiaries can report claims by sending an email to underwriting@alkooot-medical.qa. The email should include essentials required for claim processing.

In-person Reporting: For policyholders who prefer face-to-face interaction, claims can be reported in person at our office located at Al Rawabi St., Building No: 44, Street No: 840, Zone No: 24. Our working hours are from Sunday to Thursday, from 6.30 am till 2.30 pm excluding public and bank holidays. Our Customer Care staff are equipped to provide immediate assistance and guide policyholders through the claims reporting process.

What is the Timeline to Report?

All incidents resulting in bodily injury whether domestic or industrial and claimable under the policy shall be reported to Al Koot Insurance & Reinsurance Company not later than 90 days from the occurrence of the incident.

Any Claim should be intimated to the Company within thirty (30) days from the date of the incident and all the supporting documents to be submitted within six (6) months from the date of the incident. The claim shall be considered time-barred and will not be payable if intimated after 6 months from the day of the incident.

Claiming Procedure

At Al Koot Insurance & Reinsurance Company, we are dedicated to ensuring that our policyholders & beneficiaries experience a smooth and supportive claims reporting process. This procedure aims to provide clarity and information, allowing our customers to submit correct and complete claims.

Death Claim

Step 1: Claim Form: Before submitting any claim to AlKoot Insurance, it is very important to ensure that all of the sections of the claim form have been completed and signed by the Master Policy Holder, including the type of death (natural or accidental)

Step 2: Requirements: Collect and provide to Al Koot Insurance & Reinsurance Company original or authenticated copies of the following:

· Original Death Certificate. If the death certificate is issued outside Qatar, the certificate must be attested by the Qatar Embassy of the country where the death took place. Death Certificates in any language other than English and Arabic must accompany a copy of the legal translation in English

· Police Report in case of death as a result of an accident. Wherever legally possible, a Post Mortem Report will be required

· Copy of valid Qatar ID

· Copy of valid passport (for expatriates)

· Copy of the latest three months’ salary slips

· Treatment report/last attended physician’s certificate stating cause of death

· Any other documents pertaining to the claim that the Insurer may require, based on the nature of the claim

Step 3: Bank Account Details: Ensure your bank account details are updated. All eligible claims will be paid to the nominated bank account.

Step 4: Submit: Once ready, submit your claim via any selected reporting channels.

Step 5: Claims Processing: Our claims team will initiate the processing of your claim promptly upon receipt of all necessary information. Regular updates on the status of your claim will be provided in writing. Incomplete Claim form and/or supporting documentation could result in the claim being returned to you for completion (Shortfall) which may delay the processing of the claim. The date of receipt of all complete documents required to substantiate, assess and validate the claim, will be treated as the initial date of receipt of the claim for administration purposes.

Step 6: Resolution and Settlement: Once the claim is assessed, we will work towards a fair and efficient resolution and/or any necessary settlements. Policyholders/beneficiaries will be informed of the final decision and any actions required on their part via email.

Disability Claims

Disability claims which are eligible for settlement are the ones resulting from accidents and occupational diseases only. Permanent/partial or temporary/total disabilities are accepted.

Step 1: Claim Form: Before submitting any claim to AlKoot Insurance, it is very important to ensure that all of the sections of the claim form have been completed and signed by the Master Policy Holder.

Step 2: Requirements:

· Copy of valid Qatar ID

· Copy of the latest three months’ salary slips

· Unfit Certificate (in original) for TTD claims

· Supporting Laboratory Reports wherever applicable

· Medical Reports with the percentage of disability in the event of permanent partial/total disability issued by the Supreme Council of Health, State of Qatar (For PTD & PPD)

· A detailed medical report from the attending physicians on the onset, course and consequences of the bodily injury, disease or Accident, as the case may be, as well as the degree and probable duration of the disability

· Police Report if the disability was due to an Accident

· Any other documents pertaining to the claim that the Insurer may require, based on the nature of claim.

· Step 3: Bank Account Details: Ensure your bank account details are updated. All eligible claims will be paid to the nominated bank account.

· Step 4: Submit: Once ready, submit your claim via any selected reporting channels.

· Step 5: Claims Processing: Our claims team will initiate the processing of your claim promptly upon receipt of all necessary information. Regular updates on the status of your claim will be provided in writing. Incomplete Claim form and/or supporting documentation could result in the claim being returned to you for completion (Shortfall) which may delay the processing of the claim. The date of receipt of all complete documents required to substantiate, assess and validate the claim, will be treated as the initial date of receipt of the claim for administration purposes.

· Step 6: Resolution and Settlement: Once the claim is assessed, we will work towards a fair and efficient resolution and/or any necessary settlements. Policyholders/beneficiaries will be informed of the final decision and any actions required on their part via email.

Terminal Illness Claim

Step 1: Claim Form: Before submitting any claim to AlKoot Insurance, it is very important to ensure that all of the sections of the claim form have been completed and signed by the Master Policy Holder.

Step 2: Requirements:

· Copy of latest three months’ salary slips

· Copy of valid passport (for expatriates)

· Original medical report confirming the disease

· A detailed medical report from the attending physicians on the onset, course and consequences of the disease/ailment, as the case may be, as well as the life expectancy

· Copy of Passport of the employee including visa page

· Copy of valid Qatar ID

· Any other documents pertaining to the claim that the Insurer may require, based on the nature of claim.

Step 3: Bank Account Details: Ensure your bank account details are updated. All eligible claims will be paid to the nominated bank account.

· Step 4: Submit: Once ready, submit your claim via any selected reporting channels.

· Step 5: Claims Processing: Our claims team will initiate the processing of your claim promptly upon receipt of all necessary information. Regular updates on the status of your claim will be provided in writing. Incomplete Claim form and/or supporting documentation could result in the claim being returned to you for completion (Shortfall) which may delay the processing of the claim. The date of receipt of all complete documents required to substantiate, assess and validate the claim, will be treated as the initial date of receipt of the claim for administration purposes.

· Step 6: Resolution and Settlement: Once the claim is assessed, we will work towards a fair and efficient resolution and/or any necessary settlements. Policyholders/beneficiaries will be informed of the final decision and any actions required on their part via email.