Ask a Claims Manager

What is TOS and how does it help you in your claims? Learn more about claims in this Q&A session.

Learn the inside story with Chubb Travel insurance

What is TOS and how does it help you in your claims? Learn more about claims in this Q&A session.

Ask a Claims Manager

Carolyn Cheong is the Executive Claims Manager at Chubb Insurance Limited. With more than 15 years of experience in claims management, let’s take a look at her advice for travel insurance policyholders in this Q&A session.

In 2013, the top 3 claims filed by Chubb policyholders are for:

  1. Medical expenses
  2. Travel delay
  3. Damage baggage

We will acknowledge receipt of your claim and provide you with your claim number within 3 working days for emailed claims and within 5 days for mailed claims.

We will then check whether the policy covers the loss event and that the claims documents submitted are complete and in order. If the documents or information you have provided aren’t complete, we will ask you for the missing items, before we can proceed further with your claim.

It may take about 1-2 weeks from the time we receive the claim, for the outcome to reach the claimant.

  1. T for Time - the claims should be submitted within 30 days of the loss event.
  2. O for Online - use the online claims form as far as possible. Alternatively, download a hard copy from our website. Do remember to complete all the required fields.
  3. S for Supporting documents - remember to submit the required supporting documents. Do remember that there are specific documents for the various types of claims and this information is detailed here. Also, fill in all relevant sections of the claim form to ensure that you have provided information that is complete so the claim can be processed in a timely manner.

Two types of claims come to my mind. The first type relates to pre-existing conditions. An example of this will be an insured with an existing heart condition. Whilst his heart condition was stable and under control, he experienced some chest discomfort and arrhythmia during the trip. The medical treatment, and any claims that may result from this on the trip, will unfortunately not be covered under most travel insurance policies.

The second type relates to “known events”. These are typically situations that the insured knows or may be in the public domain before the trip before the insurance policy is bought. For instance, if news that a particular travel agency may be in some sort of trouble has been published or in the media news, and a policyholder’s trip is indeed affected due to the subsequent closure of the travel agency, claims for the trip not being able to be fulfilled will not be covered if the insurance is taken up after the news was circulated.


1. Ensure your travel insurance covers you from the high expenses arising from medical treatment.

2. You should not pack expensive items or items that are easily damaged, in your luggage that is to be checked in. Carry these with you so you can take proper care of them.