From inconveniences to emergencies, here’s how Igloo’s seamless digital experience makes insurance claims easier and hassle-free

While we can't always predict what lies ahead, having insurance coverage can provide a safety net when unexpected events occur. From delayed flights to medical emergencies, understanding the process of making insurance claims is essential for turning setbacks into manageable situations. 

With a goal of “Insurance for All”, Igloo has made it its mission to not only provide affordable insurance products but also make filing claims easy and hassle-free. 

From travel insurance like Travel Master with COVID-19, pet insurance like Pet Insure, and MSME insurance like NegosyoCare, Igloo and its partners offer Filipinos a wide variety of products that can suit their needs and all of them are available through multiple channels including the GCash GInsure marketplace.

“At Igloo, we understand that unexpected events can disrupt lives and cause stress. This is why we’ve worked with our partners and utilized our technology to provide Filipinos easy access to microinsurance products – access that includes ensuring that the customer journey from purchasing to claiming is streamlined, straightforward, and efficient,” said Mario Berta, Igloo’s Country Manager for the Philippines. “Through this, we can educate and encourage more Filipinos to understand the importance of having insurance as in just a few clicks, they are confident that they are protected from unexpected events, big or small.”

Filing an insurance claim can be a daunting task, but it doesn't have to be. To help you navigate the process smoothly, here’s a quick guide to familiarize yourself with the process.

Understand your policy

The first thing you need to do before filing a claim is to understand your policy. Familiarize yourself with what it entails including coverage details, exclusions, and claim procedures as this will help you understand what’s covered and what’s not.

Provide accurate and complete information

It’s important to note that the acceptance or rejection of your claim depends on the information you provide on the form. That’s why to be ready to provide accurate and complete information about the incident–what happened when it occurred, and any relevant parties involved.

Ensure proper documentation of the incident

As part of providing relevant and accurate information, remember to always document the incident. Take photos or videos of the situation if possible. Always remember to submit copies of your identification documents–IDs, passports, etc–and other documents you may need to support your claim and expedite the process.

For example, if you’re claiming your travel insurance, keep your tickets, booking documents, receipts, etc; for pet and health insurance, ensure that you have a copy of all necessary documents–police reports (if applicable), medical certificate, lab tests and requests, and even a doctor’s statement if needed.

Submit claims online

For Igloo products on the GCash GInsure page, submitting claims is as simple as going to your My Insurance tab and selecting the product you need to file a claim. You will then be redirected to the claims form of the underwriter where you will need to input necessary information for the claim to be processed.

Your insurers will guide you through the process and the documentation needed for the claim. After filing the claim, depending on the product and the situation upon which the claim was made and the documentation provided, processing may take anywhere between 24 to 48 hours.

“Different products require different supporting documents and we’ve taken great care to ensure that together with our insurance and platform partners we can improve the claims process while effectively communicating to our customers what they need to prepare to file claims and make the process as seamless as possible,” Mario added.

With a range of affordable products available through various channels, customers can find the right coverage to suit their needs. And, in the unfortunate event that a claim needs to be filed, Igloo has streamlined the process to make it as hassle-free as possible. With Igloo, Filipinos can have peace of mind knowing they are protected from small inconveniences to emergencies.