Skip to content
English
Go to LUMA Website
  • There are no suggestions because the search field is empty.

Declare Death of an Insured Member

We understand that the passing of a loved one is a difficult time. This section outlines the steps to take and information needed to notify LUMA and understand potential claims under your policy.

 

Immediate Actions:

  1. Obtain a Death Certificate: The first crucial step is to obtain the official death certificate. This document serves as formal proof of death and will be required for all subsequent processes.

  2. Contact LUMA as Soon as Possible: Please notify LUMA as soon as reasonably possible following the death of an insured member. You can reach us through the following channels:

    Providing us with initial information, such as the insured member's name, policy number, date and location of death, and your contact details, will help us initiate the process.

 

Required Documentation:

To process any potential claims and repatriation requests, we will require the following documents. Please gather these as soon as they are available:

  • Original Death Certificate: The official document confirming the death. 
  • All Necessary Documents Related to the Death: This may include, but is not limited to:
    • Autopsy report (if conducted)
    • Medical reports detailing the cause of death
    • Laboratory or test results
    • Police or investigation report (if applicable, e.g., in case of an accident)
    • Hospital bills and invoices related to the final illness or injury.
  • Repatriation Preferences (if applicable): Please indicate the desired country for the repatriation of the deceased's remains. This can be either their country of residence or their home country (country of nationality for foreign nationals living in another country). Please provide contact information for the receiving party in the designated country.
  • Other Documents as Requested: Depending on the circumstances and the specifics of your policy, LUMA may request additional documentation.

 

Claims and Procedures:

Once we receive all the necessary documentation, LUMA will review it to determine if the death is covered under the terms and conditions of your policy. This includes verifying that the cause of death does not fall under any policy exclusions.

We will notify you of our decision regarding coverage as soon as the review is complete.

Repatriation of Remains (if covered): If the death is covered and repatriation is part of your policy benefits, LUMA will proceed with arranging the repatriation of the deceased's remains to the designated country. We will work with our assistance partners to manage the logistical aspects of this process. Please note that specific terms and limits may apply as outlined in your policy document.

Please refer to your policy document for a complete understanding of the benefits included in your plan. We will guide you through the claim process for any applicable benefits once the death is confirmed and coverage is verified.

 

 

Important Notes:

  • Policy Terms and Conditions: All benefits and procedures are subject to the specific terms, conditions, limitations, and exclusions outlined in your health insurance policy. Please refer to your policy for complete details.
  • Assistance: LUMA is here to support you during this difficult time. Please do not hesitate to contact us if you have any questions or require assistance with the process.
  • Timely Submission: While we understand the sensitive nature of the situation, submitting the required documents in a timely manner will help expedite the process.