Claims Procedures

There are two types of claims that are currently administered by NCB Insurance. They are Death Benefit claims and Living Benefit claims. The following documents are required for each process as outlined below:

Death Benefit Claim

  1. A completed Claimant Statement - Death Claim
  2. Proof of the death of the Life Insured in the form prescribed by the Company (Death Certificate, Medical Certificate and Physician’s Statement)
  3. If death is reported to be due to accident (Homicide, Drowning, Motor Vehicle Accident etc), a police report of the circumstances surrounding the death.
  4. The Policy contract document must be submitted to the Company.  In the event that the Policy contract is lost or stolen, a DECLARATION RE LOST POLICY DOCUMENT must be submitted.
  5. Proof of the deceased Life Insured’s age in the form of a passport or certified copy of a birth certificate.
  6. Where death has occurred within two (2) years of the Policy/Contract Date, an attending Physician’s Report from the deceased’s personal physician (while alive), clinic or other medical facility is to be submitted.
  7. Valid beneficiary identification (passport, drivers license, voter’s ID)

Living Benefit Claim

  1. A Completed Claimant Statement – Living Claim
  2. The Policy contract document must be submitted to the Company.  In the event that the Policy contract is lost or stolen, a DECLARATION RE LOST POLICY DOCUMENT must be submitted.
  3. Identification & Proof of Age (Valid Passport, Birth Certificate and Marriage Certificate where applicable)
  4. ATTENDING PHYSICIANS REPORT (this form must be submitted directly to NCBIC Head Office, under CONFIDENTIAL cover).
  5. Accident Report (Police report and/or Accident Report from the Life Insured’s employer).

The documents listed below can be found at Downloadable Forms:

Claimant Statement – Death Claim
Claimant Statement – Living Claim
Physician’s Statement
Attending Physician Report
Declaration Re Lost Policy Document

NCBIC is committed to approving claims within 3-5 working days, upon the receipt of all required documents. In the event of an unavoidable delay, our Claim’s Administrator (s) will provide the necessary updates.