Insurance claim: how to organize the notice and the follow-up

Prepare the information

Identify the policy, the insurer, the date, the location and a description of what happened. Check the documents required for the coverage involved and use the official channel stated in your contract.

Understand the sequence

1. Report the occurrence through the proper channel.
2. Send the documents requested through that channel.
3. Follow the analysis and any requests for additional information.
4. Keep the completion notice and the protocol numbers.

Receiving a notice does not mean the event was accepted as covered. The insurer analyzes the case under the contractual conditions.

The channel depends on the coverage type

Card, auto, travel and mortgage credit insurance may use different channels. Confirm the destination in the policy or on the insurer's official website. Assistance service may be separate from payout analysis.

Follow up without losing records

• Keep the protocol number, the notice date and proof of submission.
• Check that your contact details are up to date in the official channel.
• Read the document requests and the analysis result.
• If you need to dispute a decision, use the institution's formal channels and the case records.