Filing a Claim

How to Report a Claim

Depending on your claim type, there are specific claim forms and reporting instructions for proper handling of your claim. AIG Customer Service will help to review your policy, so you better understand your benefits. To help expedite the claims handling process, below are some helpful tips:

  1. We will send you the claim form upon receipt of written notice of claim.
  2. Complete the claim form in its entirety. Should you have any questions while completing the form, call Personal Accident & Health Customer Service for assistance at 855-993-1772.
  3. Sign the claim form,  attach all required information and submit your claim to: 
    P.O. Box 81969
    Cleveland, OH 44181-1969

What to Expect After Reporting Your Claim

Claims are adjudicated promptly with minimal disruption to claimants. There may be circumstances in which a claim may require an investigation or further information such as:

  • Police reports
  • Autopsy reports
  • Medical reports/records
  • Individual information from the beneficiary, employer or witnesses
  • Examination/interview by an independent medical physician
  • Certified copies of birth certificates or marriage licenses
  • Affidavits such as of survivorship
  • Tax information or documentation showing support for dependents

If additional information is required to process your claim, your assigned claims examiner will contact you by phone or written correspondence. Once the claim has been processed, you will receive an Explanation of Benefits (EOB) that explains how your claim was processed. This document contains important information about your claim, including the status. Please retain it for your records. If the claim has been denied, please refer to the Remark Code section for an explanation. It may be that all that is needed is additional information to move the claim forward.

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AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

Offered by Morefar Marketing, Inc.® (Agency name is shown as Morefar Insurance Agency in CA, under license number 0C91962 together with Morefar Marketing, Inc., "Morefar") national producer number: 654243, with its principal place of business at 1271 Ave of the Americas FL 41, New York, NY 10020-1304. This is only a brief description of the coverage(s) available under policy series A30421NUFIC in AL, AK, AR, CT, DE, HI, IL, IN, KS, KY, LA, MS, MT, NE, NH, NV, NC, ND, OK, OR, RI, SC, SD, UT, WV, WI and WY, A30421NUFIC (Rev. 07/14) in FL, A30421NUFIC (Rev. 08/14) in NM, A30421NUFIC (Rev. 10/14) in CA, A30576NUFIC, A30588NUFIC and A30595NUFIC in OH, A30550NUFIC in AZ, DC and GA, A30576NUFIC, A30588NUFIC and A30595NUFIC in MI, A30576NUFIC, A30588NUFIC and A30595NUFIC in MD, A30576NUFIC, A30588NUFIC and A30595NUFIC in TN, A30588NUFIC and A30595NUFIC in NJ, A30588NUFIC and A30595NUFIC in VA, and A30630NUFIC in TX. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (National Union), a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 41, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. National Union and Morefar are AIG companies. The non-insurance services are provided through Careington International Corporation. Insurance coverage and non-insurance services may not be available in all states. Non-insurance services may be subject to sales and use tax.