Health Forever
		Frequently Asked Questions.

Q-1. Who should I contact for claims under the insurance policy?

Ans-1 For claims you can contact the claims manager of ALICO at 021-111-111-711. Alternatively you can also fill an online form available at www.alico.com.pk or written notice of claim must be given to the Insurance Company within thirty (30) days after the occurrence of any loss covered by the Policy. Written notice of claim given by or on behalf of the Insured Person to the principal office of the company, with information sufficient to identify to the insured and/or beneficicary shall be deemed as notice to the Company.

Q-2. How much time does it take to settle the claim?

Ans-2. 15 working days subject to completion of all formalities and documentation

Q-3. What documents are required for claims settlement?

Ans-3. Following documents and/or any other document as may be required by the Insurance Company pertaining to the loss sustained by the Insured Person:

FOR ALL LOSSES:

• CLAIMANT STATEMENT
• PHYSICIAN STATEMENT
• ORIGINAL PROOF OF AGE
• ORIGINAL GUARDIANSHIP CERTIFICATE
• INDIVIDUAL CERTIFICATE OF COVER

ADDITIONAL DOCUMENTS FOR LOSS OF LIFE DUE TO AN ACCIDENT INDEMNITY:

• ORIGINAL DEATH CERTIFICATE
• HOSPITAL DEATH CERTIFICATE
• FINAL POLICE REPORT (Only in the case where incidence of death is a matter of criminal report with any law enforcement agency)
• POSTMORTEM REPORT(Only in the case where incidence of death is a matter of criminal report with any law enforcement agency)
  

ADDITIONAL DOCUMENTS FOR ACCIDENT & SICKNESS IN-HOSPITAL INCOME AND MEDICAL EXPENSE REIMBURSEMENT:

• ORIGINAL HOSPITAL RECORD INCLUSIVE OF BILLS
• INCASE OF INJURIES, FINAL POLICE REPORT
  

ADDITIONAL DOCUMENTS FOR CRITICAL ILLNESS INSURANCE:

Where the claim is based upon Fulminant Viral Hepatitis or Cancer, the Insurance Company shall be entitled to require the Insured Person to undergo test including a test for the detection of any HIV as a condition precedent to any acceptance by the Company of due proof of such Critical Illness.

ADDITIONAL DOCUMENTS FOR NATURAL DEATH BENEFIT:

• ORIGINAL DEATH CERTIFICATE
• HOSPITAL DEATH CERTIFICATE

Q-4. Which hospitals can the policy holder go for treatment?

Ans-4. There are no restrictions; the policy holder can avail medical facilities from any hospital/clinic in Pakistan or anywhere in the world.

Q-5. Who is the underwriter of “Health Forever”?

Ans-5. American Life Insurance Company (ALICO) is the underwriter of “Health Forever”. ALICO, incorporated in Delaware U.S.A in 1921, is one of the largest international life insurance companies in the world, with more than US$294 billion of life insurance in force as of December 31, 2006.  ALICO's branches and subsidiaries market a wide range of life and health insurance products.  These products include traditional life insurance, variable universal life insurance, credit life insurance, supplemental medical and personal accident products, health and hospitalization insurance, group life, pensions and annuities, through a network of some 35,000 agents.  ALICO conducts business globally in Japan, Europe, the Middle East, South Asia, Latin America, and the Caribbean in more than 55 countries. ALICO is a member Company of American International Group Inc (AIG), world leaders in insurance and financial services.

American International Group, Inc. (AIG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions.  AIG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer.  In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world.  AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo.