Our foreign general insurance claim departments, which manage all of our business outside North America, employ 3,500 people who work in 85 countries. We receive 3 million claims worldwide per year.
The MEMSA (Middle East, Mediterranean & South Asia) division is one of 14 divisions worldwide. In MEMSA, we have almost 300 claim professionals who work in 39 claim offices. These offices are located in 15 different countries that run from Malta in the west to Sri Lanka in the east.
Our claim departments in the MEMSA countries are one of our most important competitive advantages. Unlike their counterparts in competitor companies, our claim employees are specialists in claims and focus only on claims.
Another differentiating factor of our claim department is that we are directly involved in the management of our claims. While we depend on adjusters, surveyors, and attorneys to help us in investigating claims, we always make sure they follow our instructions and move each pending case toward a speedy resolution.
Our claim departments work to a set of strict service standards. Our goal is to confirm receipt of the claim within one working day. In motor claims we inspect the damage to the policyholder's car the next working day after the loss report. Our financial strength allows us to make prompt payments to policyholders. In simpler cases, we strive to pay claims within 48 hours.
Our philosophy toward claims is summarized in the one motto we repeat to our claim employees every day: "the best claim is a closed claim". Solving our policyholders' problems quickly and fairly is the reason we are in business.

Claims Settlement Procedures

In case of a loss occurrence Policyholder / Insured / Beneficiary should notify immediately the claims department using either one of the following contact details:
Tel: +961 (1) 990127
Fax: +961 (1) 990128
Claim Notification:
The loss notification should mention the following basic information:

  • Policy number
  • Date of incident / loss
  • Brief circumstances / details of loss
  • Estimate of loss amount

We will acknowledge receipt of notification showing the allocated claim number and requesting documents according to each line of business and depending on each case merits.
Our claims department will handle the case investigations (when necessary) and may decide to appoint a surveyor or loss adjuster.
Once the file is complete (documents and reports) and if the claim is payable:

  • We would prepare a discharge or a form of acceptance to be signed by the Policyholder / Insured or Beneficiary
  • Upon signature of the precedent document by the concerned person, the settlement will be made either by cheque or bank transfer.