Actions in case of an insurance case

In this section, we have collected for you all the necessary information about what to do when an insured event occurs

To receive the insurance payment, the Insured (Beneficiary) must submit a written application with the following documents attached:

a) upon survival of the Insured person before the expiration of the insurance period or the age / event specified in the Insurance Contract:

 

  • A copy of the insurance policy;
  • A copy of the passport of the Insured person (with the provision of the original passport for viewing);
  • Bank details of the beneficiary’s account;
  • Proof of enrollment / marriage registration (with appropriate insurance)

 

b) upon the death of the Insured Person:

 

  • Original or copy of insurance policy;
  • A copy of the applicant’s passport (with the original passport provided for review) and notarization of his right to receive the appropriate payment;
  • A notarized copy of the death certificate of the Insured / Beneficiary (with the original for review);
  • medical and other documents indicating the cause of death;
  • bank details of the recipient’s account.

 

When the Insured Person survives before the expiration of the insurance period or the age specified in the Insurance Contract, the Insured Person must personally appear in the Company or provide an opportunity for the representative of the Company to attest to this.

If necessary, the Company is entitled to request other documents necessary to establish the fact of occurrence of the insured event.

 

Important! The insurance claim must be submitted after the end of the insurance period, and the redemption amount – after the termination of the insurance contract.

To receive the insurance payment, the Policyholder / Beneficiary must submit a written application with the following documents attached:

 

  • copy of insurance policy;
  • the original certificate, stamped by the Beneficiary on the amount of principal debt of the insurer on the loan (loan) outstanding by the Insured;
  • copies of memorial orders or payment orders confirming the transfer of funds by the Insured to repay part of the principal debt on the loan (loan);
  • a copy of additions / changes to the Loan Agreement, executed during the Insurance Period (if any);
  • when establishing disability group I – a copy of the certificate of the VTEK, certified by the issuing organization, with the original for review;
  • at death – medical and other documents indicating the cause of death, a copy of the death certificate, providing the original for review.

 

If necessary, the Company is entitled to request other documents necessary to establish the fact of occurrence of the insured event.

 

If a criminal case has been initiated or a lawsuit initiated on the facts that caused the occurrence of the Insured Event, the decision on the Insurance Payment may be delayed until the end of the investigation or court proceedings, or the insurer’s innocence.

 

Important! The claim for insurance payment must be submitted within 30 (thirty) calendar days from the date of its occurrence or receipt of documents confirming.

If it is necessary to obtain clarifications or more detailed information, please contact the territorial branches or the

Central Office of Insurance Company Oʻzbekinvest Hayot LLC by phone: +998 71 207 47 74.

In order to receive the insurance indemnity due to an accident, a written application for payment must be attached to the application with supporting documents attached.

 

Depending on its nature, the application for payment is accompanied by the following documents (originals or certified copies):

 

– insurance policy;

– a document certifying the fact of an accident that contains information about the circumstances and the scene of the accident (certificate, forensic medical examination report, ICV report, copies of records in the Insured person’s medical record, disability certificate, a copy of the VTEK certificate stating the degree of disability, act of the form H-1 (in case of industrial injuries);

– A copy of the document certifying the identity of the applicant with the original for review;

– a notarized copy of the death certificate of the Insured person (if the insured event is fatal),

– bank details of the applicant’s account.

 

 

We may also require other documents necessary to establish the fact of occurrence of the Insured Event.

 

If a criminal case has been initiated or a lawsuit initiated on the facts that caused the Insured Event, the Insurer’s (Insurance Company) decision on the Insurance Benefit may be delayed until the end of the investigation or court proceedings, or the insurer of the Insured or the Beneficiary.

 

Important! In the event of an accident, it is necessary as soon as possible in any possible way to notify the insurance company of its occurrence, and in writing no later than thirty (30) days from the moment of its occurrence.

 

If the Insured is an adult citizen, the application is submitted on his behalf, if the minor is on behalf of the parents or legal representatives (guardians). In the event of the death of the Insured person, an application is submitted to the legitimate heirs with a notarized certificate of such right at the following address:

 

Insurance company O‘zbekinvest Hayot LLC: Uzbekistan, 100015, Tashkent, Mirabad district, st. Oybek, d.36 or in territorial branches

In order to receive the insurance indemnity due to an accident, a written application for payment must be attached to the application with supporting documents attached.

 

Depending on its nature, the application for payment is accompanied by the following documents (originals or certified copies):

 

– insurance policy;

– a document certifying the fact of an accident that contains information about the circumstances and the scene of the accident (certificate, forensic medical examination report, ICV report, copies of records in the Insured person’s medical record, disability certificate, a copy of the VTEK certificate stating the degree of disability, act of the form N-1 (in case of industrial injuries) or an act of incident (drawn up by a commission composed of organizers, a doctor and a trainer);

– A copy of the document certifying the identity of the applicant with the original for review;

– a notarized copy of the death certificate of the Insured person (if the insured event is fatal),

– bank details of the applicant’s account.

  

If necessary, the Company is entitled to request other documents necessary to establish the fact of occurrence of the insured event.

 

If a criminal case has been initiated or a lawsuit initiated on the facts that caused the occurrence of the Insured Event, the Insurer’s decision to make the Insurance Indemnity may be delayed until the end of the investigation or the court proceedings, or the innocence of the Insured or the Beneficiary.

 

Important! In the event of an accident, it is necessary as soon as possible in any possible way to notify the insurance company of its occurrence, and in writing no later than thirty (30) days from the moment of its occurrence.

If the Insured is an adult citizen, the application is submitted on his behalf, if the minor is on behalf of the parents or legal representatives (guardians). In the event of the death of the Insured person, an application is submitted to the legitimate heirs with a notarized certificate of such right at the following address:

 

Insurance company O‘zbekinvest Hayot LLC: Uzbekistan, 100015, Tashkent, Mirabad district, st. Oybek, d.36 or in territorial branches.

If you need medical assistance, you need to contact the Dispatch Center of the Assistance Service by calling the numbers specified in the policy (service card), providing the operator with the following information:

 

•        FULL NAME. The insured person who needs assistance (a passport or other ID will be required at the clinic);

• the name of the insurance company, the number and duration of the insurance policy;

• describe in detail what is bothering you (in case of injury – the circumstances under which it was received);

• if you are a representative of the Insured person, you need to provide his current location, contact phone number and address of permanent residence.

 

Important! The provision of medical services is carried out only in the direction and with the approval of the Service of Assistance.

In order to receive the insurance payment, the Policyholder (the Insured, the Beneficiary or his representative) must submit a written application with the following documents attached:

 

  • Insurance policy;
  • extract from the medical history filed in the prescribed form, indicating the exact clinical diagnosis and the date of hospitalization;
  • identity document.

 

If necessary, the Company may require other documents necessary to establish the fact of occurrence of the insured event.

 

Important! In case of an infectious disease, it is necessary to notify the insurance company of its occurrence as soon as possible, and in writing no later than thirty (30) days from the date of its diagnosis (discharge from the hospital).

If the Insured is an adult citizen, the application is submitted on his behalf, if the minor is on behalf of the parents or legal representatives (guardians) at the following address:

 

Insurance company O‘zbekinvest Hayot LLC: Uzbekistan, 100015, Tashkent, Mirabad district, st. Oybek, d.36 or in territorial branches.

If you need medical assistance, you need to contact the International Dispatch Center of the Assistance Service by phone: +7 (495) 212 21 43 (Moscow, Russia), providing the following information there:

 

• personal data – full name. an insured person who needs assistance;

• the number and validity of the insurance policy in which country the insured person is located;

• describe in detail what is worrying and under what circumstances the event occurred;

• contact phone for feedback;

• data on a medical or other institution, if assistance to the victim has already rendered or has begun to provide it.

 

If it is impossible to contact the dispatch center of the Assistance Service, you can pay the expenses related to the insured event yourself, and for their subsequent reimbursement you need to inform us in writing about the incident by submitting:

 

• a written application for reimbursement of expenses with a description of the circumstances of the event and the amount of expenses; the application should also indicate the reasons why you did not contact the dispatch center of the Service Assistance;

• Policy or its copy (if its validity period has not expired);

• originals of medical documents (medical report with indication of diagnosis, prescriptions, referrals for examination, etc.);

• original documents confirming the fact of payment for the received medical services (payment stamp, check / receipt, bank confirmation of the transfer of the amount).

For the payment of insurance, only paid bills are accepted as reimbursement for out-patient treatment. If you provide unpaid invoices, you must provide a written explanation. Unpaid invoices must be provided to the company by email within 15 (fifteen) calendar days of receipt: info_hayot@mail.ru

 

In order to receive the insurance payment due to an accident, the following documents must be attached to the application:

 

• Policy or its copy;

• a detailed description of the circumstances of the accident and the names of the witnesses;

• law enforcement protocol regarding an accident;

•        extract from the medical history;

• if fatal, an official death certificate. In the event of the disappearance of the Insured person – a court decision declaring him dead or missing.

 

Also, depending on the nature and circumstances of the accident that occurred, other documents may be requested necessary to establish the fact of the occurrence of the insured event.

 

The application and the necessary documents (with certified translations of documents compiled in languages other than Russian, English, French, German) must be submitted to the insurance company or the Assistance Service within 30 (thirty) calendar days after returning to Uzbekistan or if you have been outside Uzbekistan for a long time, from the moment the event occurs at the following address:

 

Insurance company O‘zbekinvest Hayot LLC: Uzbekistan, 100015, Tashkent, Mirabad district, st. Oybek, d.36 or in territorial branches.

If it is necessary to receive medical assistance, it is necessary to contact the dispatch center of the Assistance Service by calling the numbers specified in the policy (service card), providing the operator with the following information:

 

  • FULL NAME. The insured person who needs assistance (a passport or other ID will be required at the clinic);
  • the name of the insurance company, the number and duration of the insurance policy;
  • describe in detail what ails (in case of injury – the circumstances under which it was received);
  • if you are a representative of the Insured person, you need to provide his current location, contact phone number and address of permanent residence.

 

Important! The provision of medical services is carried out only in the direction and with the approval of the Service Assistance.

If it is necessary to obtain clarifications or more detailed information, please contact the territorial branches or the Central Office of Insurance Company O’zbekinvest Hayot LLC by phone: +998 71 207 47 74.