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Claims FAQs - Death Claims

No.  The proceeds of a death claim are not subject to estate duty as per current regulations in Hong Kong.
The payment is normally made to the beneficiary(ies) of the policy according to the allocation percentage specified, except for the following scenarios:
  • ✧ the beneficiary is under age 18, the proceeds are given to their surviving legal guardian as trustee.
  • ✧ the beneficiary of the policy dies before the Life Insured, the proceeds are paid to the Policyowner.
  • ✧ the policy is collaterally assigned to someone else, we firstly follow the Assignment Deeds and give the assigned amount to the assignee, or the executors / administrators of their estate; any remaining balance goes to the beneficiary.
  • ✧ no beneficiary is designated and the Policyowner is still alive, the proceeds are paid to the Policyowner.
  • ✧ no beneficiary is designated and the Policyowner has passed away, the proceeds go into the policyholder’s estate.
You need to complete the related application form with the deceased's personal details.  The following documents are also required:
  1. 1. Notarised Certificate of Death
  2. 2. If the death occurred in hospital, you need a medical certificate from that hospital showing the cause of death
  3. 3. If the death did not occur in hospital, you need a death certificate (showing the cause of death) issued by the local police
  4. 4. The Hong Kong or Macau ID card and China re-entry permit or travel document of the deceased (for Hong Kong or Macau resident)
  5. 5. The De-registration of Residence of the deceased (for citizen of mainland China)
  6. 6. Your own Hong Kong or Macau ID card and China re-entry permit or travel document
Under the Births and Deaths Registration Ordinance, a death due to natural causes should be registered within 24 hours.  In general, the registered medical practitioner who attended the deceased for the latest illness will sign and issue a Medical Certificate of the Cause of Death (Form 18).  Please bring the certificate to the Death Registry for registration of the death.  The following documents are required:
  1. 1. Medical Certificate of the Cause of Death (Form 18)
  2. 2. Hong Kong Identity Card or Travel Document of the deceased
  3. 3. Hong Kong Identity Card or Travel Document of the applicant
  4. 4. Applicant are required to provide information on the deceased person's occupation, nationality and marital status
  5. 5.Payment of standard charge of HK$140 per death certificate copy
 
You may visit the below government website for details of death registry requirement:
http://www.gov.hk/en/residents/immigration/bdmreg/death/deathreg/naturalcause.htm
You need to fill in the following four sections of the claim form:
  1. 1. Information of Deceased Insured and the Incident
  2. 2. Claimant Information
  3. 3. Individual Tax Residence Self-Certification
  4. 4. Declaration and Authorization
 
If the policy has more than one beneficiary, each needs to complete a separate claim form.
 
You also need to submit the Death Claim - Attending Physician’s Report completed by the deceased’s last attending doctor.  The cost of the report is borne by the Claimant.  There are still other supporting documents to be submitted and please refer to our related Claims Guidelines for details.
In most cases, the claimant must be the beneficiary of the policy.  If the beneficiary is under age 18, their parent or legal guardian can help to file the claim.
 
If there is no beneficiary designated under the policy and the Policyowner is not the Life Insured, the Policyowner can file the claim.  If there is no beneficiary designated and the Policyowner is the Life Insured, then the administrator/executor of the deceased Insured’s estate can file the claim.