Claims Assistance

We're here to help you through every step of the claims process - fast, fair, and stress-free.

How to File a Claim

1

Report the Incident Immediately

Contact us as soon as the incident occurs - whether it's a motor accident, medical emergency, fire, theft, or any other covered event. The faster you report, the quicker we can assist.

Emergency Hotline: +254 722 350 761 (24/7)

2

Gather Required Documentation

We'll guide you on what documents you need based on your claim type. Common requirements include:

  • Copy of your insurance policy or certificate
  • Police abstract or report (for accidents, theft, vandalism)
  • Medical reports and invoices (for medical/health claims)
  • Photos of the damage at the scene of accident (motor, property claims)
  • Repair estimates or invoices
3

Submit Your Claim

We'll help you complete the claim forms and submit all required documents to the insurer. You can send documents via email, WhatsApp, or deliver them to our office.

4

We Liaise With the Insurer

Our team follows up with the insurance company on your behalf, ensuring your claim is processed promptly and fairly. We keep you updated at every step.

5

Receive Your Settlement

Once approved, the insurer will settle your claim - either via direct payment, repair authorization, or reimbursement, depending on the policy terms.

Required Documentation by Claim Type

🚗 Motor Insurance Claims

  • Copy of driving license
  • Copy of national ID card
  • Police abstract (original)
  • Photos of the damage at the scene of accident
  • Repair estimates from approved garages
  • Third-party details (if applicable)

🏥 Medical Insurance Claims

  • Completed claim form
  • Copy of national ID card
  • Medical invoices and receipts
  • Doctor's prescription and reports
  • Discharge summary (inpatient)
  • Lab and diagnostic test results

🏠 Property Insurance Claims

  • Police report (for theft/burglary)
  • Copy of national ID card
  • Photos of the damage at the scene
  • List of damaged/stolen items with values
  • Repair/replacement quotes
  • Proof of ownership (receipts, invoices)

✈️ Travel Insurance Claims

  • Completed claim form
  • Flight tickets and boarding passes
  • Medical reports (if applicable)
  • Receipts for emergency expenses
  • Police report (for lost/stolen baggage)

Frequently Asked Questions

How long does it take to process a claim?

Processing times vary by claim type and complexity. Motor claims typically take 7-14 days for simple cases. Medical claims are often pre-authorized for direct settlement. We'll keep you updated throughout the process.

What if my claim is rejected?

If your claim is denied, we'll review the insurer's reasons and help you understand why. If we believe the denial is unfair, we'll advocate on your behalf and explore appeal options.

Can I choose my own garage or hospital?

This depends on your policy. Most insurers have approved networks for repair shops and hospitals. Using approved providers ensures direct billing and faster processing. Contact us to confirm your policy's terms.

Do I need to pay anything upfront?

Some policies include a deductible (excess) that you pay when filing a claim. Medical insurance often offers cashless treatment at network hospitals. We'll explain your policy's terms clearly.

How do I check my claim status?

Contact us anytime via phone, email, or WhatsApp. We'll provide updates on your claim's progress and expected settlement timeline.

Need Claims Assistance Right Now?

Our dedicated claims team is here to help you navigate the process and ensure fair, timely settlements.

📞 Call Us

+254 722 350 761

24/7 Emergency Line

📧 Email

claims@marlocapital.co.ke

Response within 2 hours

💬 WhatsApp

Chat Now

Instant support

💬