If you need to make a claim on the Global Life plan you will find our staff helpful, sympathetic and efficient. We are here to ensure that the business of settling a life claim at such a devastating time, is as simple and stress free as possible.
Use these frequently asked questions below to answer your queries, or contact us using the details at the base of this page.
When does the Global Life plan benefit become payable?
The life insurance benefit stated on the certificate of insurance becomes payable if the policy holder dies during the period of cover, provided that:
- the policy holder’s coverage was in full force,
- the policy holder’s death occurs prior to the policy renewal date and prior to the attainment of age 65,
- death is not caused directly or indirectly by any risk excluded in the plan agreement, and/or by any special terms stated on the certificate of insurance.
How do I make a claim on the Global Life plan?
To substantiate a claim for life insurance benefit, the following documents must be submitted to us as soon as reasonably possible, and no later than one year from the date of death:
- An official death certificate confirming the cause of death and stating the date of death.
- An official document which confirms date of birth.
- In the event of death due to an accident, a medical or official certificate stating the cause and circumstances of death, and all other reports including police reports, ambulance reports and the reports of any eye-witnesses.
- Proof of the policy holder’s income at the time you made your application.
- Any other documentation or proof we may reasonably require in order to assess your claim
All documentation and medical reports submitted in connection with a claim must be furnished at the claimant’s expense.
Can I claim on the Accident benefit for dismemberment?
A percentage of the Accident benefit becomes payable if an accident suffered during your period of cover results in any of the losses stated on the Compensation Schedule. This is provided always that:
- your premiums have been fully paid up until the time of your accident,
- the accident occurs prior to the policy renewal date and prior to the attainment of age 65,
- the accident is not caused directly or indirectly by any risk excluded in the plan agreement, and/or by any special terms stated on your certificate of insurance.
If you suffer several disablements due to the same accident, the benefit we pay will be arrived at by adding together the various benefit amounts, but shall not exceed the Accident benefit amount stated on your certificate of insurance
Anchylosis of the fingers (other than thumb and forefinger) and of the toes (other than the big toe) shall only entitle you to 50% of the compensation that would be due for the loss of the said members.
Permanent disabilities not mentioned in the Compensation Schedule shall be compensated in accordance with their seriousness as compared with that of those mentioned, your occupation not being taken into consideration.
The partial or total functional disablement of a limb or an organ not specifically dealt with in the Compensation Schedule is treated like the partial or total loss of the said limb or organ.
If you are left-handed, the percentages set out in the schedule for the various disabilities of the right upper limb and left upper limb will be transposed. Any accident benefit must be claimed within one year of the date of the accident which gives rise to a claim.
The total accident benefit payable shall be limited to the accident benefit stated on your certificate of insurance.
How do I make a claim for Accident benefit?
To substantiate a claim for Accident benefit, the following documents must be submitted to us as soon as reasonably possible, and no later than one year from the date of the accident:
- In the event of death, an official death certificate confirming the cause of death and stating the date of death.
- An official document which confirms your date of birth.
- A medical or official certificate stating the cause and circumstances of the accident, including police reports, ambulance reports and eye-witness statements.
- A detailed medical report describing the injuries sustained.
- Proof of your income at the time you made your application.
- Any other documentation or proof we may reasonably require in order to assess your claim.
All documentation and medical reports submitted in connection with a claim must be furnished at the claimant’s expense.
I can’t find the answer to my question, who should I contact?
If you have any further questions then please do not hesitate to contact our claims team by using the details below:
During UK working hours
Tel: + 44 1276 486475
Fax: + 44 1276 486466
customer.service@william-russell.com