Client Claims Advisory
If you are not satisfied with our initial offer we invite you to write to our Claims Advisory Committee, which was set up to investigate queries or complaints you may have, review your case, and make a decision within a maximum of two months. Most cases will take no longer than one month. The Committee members are experienced personnel who are not involved in the initial claims settlement. All the relevant information is posted below.
If you are still not satisfied with the outcome, you may refer the matter to the Central Bank’s Financial Services Ombudsman. This office was set up as an alternative for dispute resolution to investigate and rule on insurance claims disputes for 1st party matters up to $500,000 and 3rd party motor claims up to $25,000.
The Claims Advisory Committee
Contact Information
TT Post
The Secretary – Claims Advisory Committee
The Maritime Financial Group
Maritime Centre, 29 Tenth Avenue
Barataria, Trinidad & Tobago
The Financial Services Ombudsman
Contact Information
TT Post
Office of the Financial Services Ombudsman
1st Floor, Central Bank Building, Eric Williams Plaza
Independence Square, P.O. Box 1520
Port- of–Spain, Trinidad & Tobago
Group Insurance Claims
Complete, sign and date the relevant
Submit Claim Form along with relevant original receipts.
All claims must be submitted to Maritime Life within three months or 90 days of the expense being incurred.
For assistance with your group insurance claim, please contact your broker or Financial Advisor.
Health Insurance Claim Form
Please Note:
The claimant is the insured.
The attending physician or surgeon is the doctor who attended to the insured.
Hospital Diagnostic Claims
For Prior Approval, we require a letter signed by the referring physician stating the Client’s ailment(s), the name of the test(s) and the hospital at which test(s) will be done and the estimated cost. This letter can be emailed and or faxed to the ADmed Department at 675-7485. This information will be reviewed and a letter emailed and or faxed to the hospital stating the amount ADmed will cover.
Maritime will email the Prior Approval Letter within 24 hours Note: For Diagnostics, outside of an Accident or Emergency, the Client must be admitted at a hospital as an inpatient (must have an overnight stay) on an approved doctor’s recommendation in order to qualify for this benefit.
It is recommended that you call the ADmed Unit at 62-Admed (622-3633) for Prior Approval, on week days between the hours of 7:30 a.m. and 4:30 p.m. Note: For Diagnostics, outside of an Accident or Emergency, the Client must be admitted at a hospital as an inpatient (must have an overnight stay) on an approved doctor’s recommendation in order to qualify for this benefit
Surgical Claims
- For Prior Approval, we require a letter signed by the Attending Physician or Surgeon stating Client’s ailment(s), the exact surgical procedure to be done and the estimated cost.
Accident and Emergency Claims
- Maritime Life (Caribbean) Limited will pay the first 48 hours of expenses for Accident/Emergency cases up to a maximum level of Benefit per policy year.
- The Hospital will be responsible for collecting any fees beyond the contract benefit payable.
ADmed Forms
Please Note:
The claimant is the insured.
The attending physician or surgeon is the doctor who attended to the insured.
Personal ADmed Claims Service
Kerri-Ann Hyndman-Borris
Aminata Roberts
- aroberts@maritimefinancial.com
- Extension 2429
Sparkle Braithwaite
- sbraithwaite@maritimefinancial.com
- Extension 2140
Got into an Accident? Here’s what to do
- Assist any injured person
- Where possible, mark the positions of the vehicles involved by outlining the positions of the tires on the road
- Take photos of the damaged vehicles at the accident site and scene prior to moving.
Obtain the following information in respect to the other vehicle:
- The registration number
- Insurance certificate and policy numbers
- The policy holder’s name
- The policy expiry date
- Name of the Insurance Company on the Certificate of Insurance
- Name and address of the driver
- Names and address of any passenger or injured person (indicating the nature of the injury where possible)
If possible, take a photo of the other party’s insurance certificate and driver’s permit
- Note the names and contact information of any person who may have witnessed the accident
- DO NOT ADMIT LIABILITY; however, you should provide details about yourself and your insurance coverage to the other parties
- Report the accident to the relevant Police Station as soon as possible and note the name and badge number of the Investigating Officer
- If required, accompany the police to the scene of the accident and note any measurements that they take
- Do not accept any payments from the other party which, legally, will affect our ability to recover any monies due to you from the other party’s insurer.
- Promptly report the accident to your insurance company regardless of which type of coverage you have and whether you were at fault or not. A phone call giving details is not considered a report.
- Complete and sign the Accident Report Form and supply all relevant information as soon as possible
- Get estimates for repairs
- Keep records of any expenses incurred as a result of the accident as it may be recoverable under your policy
- We will appoint an independent adjuster to survey your vehicle and take photos of the damage
- The adjuster will advise of their findings
- On receipt of the adjuster’s findings we will contact you to discuss settlement. Please note that the adjuster’s finding may take up to 2 weeks
As part of the claims settlement process, the following information may be required and therefore you should try and have it handy to expedite processing:
Primary documents
- Estimate for repairs
- VAT letter (available at the VAT office at Ajax Street, Port of Spain), which requires your BIR number
Secondary documents (to be advised when/if required)
- Recent certified copy of ownership (within the last 6 months)
- Insurance certificate or affidavit (if certificate is not available)
- Two (2) forms of valid ID (ID Card/Driver’s Permit/Passport). Please ensure that the ID has not expired
- All keys (if necessary)
- Two (2) signed transfer forms (if necessary) – stamped in the case of company transfers
- Company Letter authorizing person to conduct/transfer of the ownership of the vehicle (if necessary)
- Estimate for repairs
- VAT letter (available at the VAT office at lower St. Vincent Street, Port of Spain) Requirement: VAT 605 Form, which requires your BIR number
- Recent certified copy of ownership (within the last 6 months)
- Insurance certificate or affidavit (if certificate is not available)
- Two (2) forms of valid ID (ID Card/Driver’s Permit/Passport). Please ensure that the ID has not expired
- All keys (if necessary)
- Two (2) signed transfer forms (if necessary) – stamped in the case of company transfers
- Letter authorizing person to conduct/transfer of the ownership of the vehicle if you elect to not retain the wreck (if company)
Third Party Coverage
- Complete and sign the Accident Report Form and supply all relevant information as soon as possible
- Refer all injured parties arising from the accident to us
- Kindly advise other drivers involved in the accident to report to their respective insurers
- Complete and sign the Accident Report Form and supply all relevant information as soon as possible
- Maritime General will provide a letter confirming the type of coverage on your vehicle. You have the right to claim against the insurer of the party responsible for your damages
Where a loss results from either Fire or Theft, the following steps should be taken:
- Incident must be reported to the Police Authorities immediately with full particulars
- Report matter to your Insurance Company
- Insurers would have the matter investigated
Windshield glass coverage extends to accidental damage to the glass components of your vehicle such as the front windscreen, rear windscreen, and windows. A dollar value limit for the duration of the policy period is given under your policy referred to as the windscreen limit. Accordingly, the windscreen limit will guide the maximum amount payable under the claim. The claimed amount would reduce the windscreen limit available for the remainder of the policy period. It is recommended that you reinstate your windscreen limit after a claim is submitted. When there is a windshield claim it is important to do the following:
- Complete and sign the Windscreen Report Form
- Obtain an estimate for the repairs or replacement of the glass from your desired repairer
- Present your vehicle to any of the Maritime General office locations for inspection
If a third party was responsible for the damage caused it is important to file a police report and obtain all the third party particulars so that Maritime General can recover and therefore protect any applicable discounts.
Emergency Situations
We understand that sometimes it may not be safe or prudent for you to delay replacing your glass. In that case please inform our claims department and use the following procedure:
- Please report accident to the police if a third party is involved
- Obtain an estimate for the repairs
- Complete and sign Windscreen Report Form
- Obtain the bill from the repairers
- Obtain a VAT Letter
- Provide all documentation and present vehicle for inspection at Maritime Offices, Client Benefit, Claims Service.