How to claim indemnity?


Editorial team Published on

To claim indemnity, the steps depend on whether you are filing through an insurance policy (such as hospital indemnity or professional liability) or a postal/employment service.

1. Hospital Indemnity Insurance Claims

If you have a supplemental hospital indemnity plan (through providers like UnitedHealthcare, Guardian Life, or American Fidelity):

  • Log in or download: Access your insurer's online portal or mobile app (such as AFmobile), or download a paper claim form.
  • Complete the form: Fill out the employee or policyholder statement.
  • Attach documentation: Collect itemized hospital bills, medical receipts, admission/discharge dates, and diagnosis details.
  • Submit: Upload documents through the secure online channel, or fax/mail them as directed on the form.

2. Professional Indemnity Insurance Claims

If you are facing a professional liability or negligence claim:

  • Notify your broker or insurer immediately: Contact your insurance broker or provider as soon as you receive a written or verbal accusation.
  • Provide details and evidence: Share contracts, job specifications, emails, and timelines related to the incident.
  • Cooperate with the investigation: Allow your insurer's claims team to assess policy coverage and manage the defense.

3. Postal Indemnity Claims (e.g., USPS)

If you are filing for lost, missing, or damaged mail:

  • File within required windows: Submit missing or damaged item claims immediately up to 60 days, or lost article claims from 15 days up to 1 year depending on the mail class.
  • Submit proof: Provide proof of insurance (receipts or labels) and proof of value (sales receipts or invoices) alongside the damaged contents/packaging via USPS Postal Explorer.