Most common claims
Hearing Aid (HLF)
Accident & Critical IllnessClaims by Category
- Travel
- Accident & Critical Illness
- Hearing Aid (HLF)
- Other
What to expect
Step 1: Prepare to file a claim
As soon as possible after the incident occurs, gather the information and documents required to file a claim, which you can find by clicking "Learn More" above.
Step 2: Report a claim
Once you are ready, click on "Report a Claim" and fill out the form with as much detail as possible. If you are missing any required information or documents when filing, this may delay our ability to handle your claim and we may need to follow up for more information.
Step 3: Your claim will be reviewed
You will receive a new email with your reference number as soon as the claim has been registered. One of our claims professionals will contact you as soon as possible if we need any further information that might be required to handle your claim. We will do our best to process your claim as fast as possible. Processing time can vary with complexity and retrieval of additional documentation.
Step 4: Receive a decision
Once our claims professionals have reviewed your claim, we will notify you of our decision. If we are in a position to settle your claim, you will receive payment through the bank account information provided in your claim form.
FAQs
- General
- Travel
- Accident & Critical Illness
- Hearing Aid (HLF)
Please find general FAQs below. To see specific FAQs for other types of claims, navigate to the other tabs.
Baggage Damage
- If your belongings have been damaged during a trip or while checked-in.
Baggage Theft
- If your belongings were lost due to robbery, theft, or burglary.
Travel Medical Expenses
- If you required medical treatment during travel or required hospitalization, your trip was curtailed, or you were summoned home or abroad, etc.
Trip Delay
- Delayed departure or unexpected expenses due to a delay, such as new transportation arrangements or accommodation, etc.
Baggage delay / Loss of checked baggage
- Unexpected purchases due to baggage delay or the replacement of luggage lost while checked-in
Car Rental / CDW
- If you paid a deductible to your rental car provider as a result of rental car damage
Trip Cancellation
- For example, cancellation of a planned trip due to illness or an accident prior to the departure
If you cannot find your situation in the list above or have questions on which claim to choose, please contact us by phone at 22 00 20 80 or by email at If you cannot find your situation in the list above or have questions on which claim to choose, please contact us by phone at 22 00 20 80 or by email at Norway.Claims@aig.com.
Your policy number should be on the documentation sent to you when you took out the insurance. This is usually a 10 digit number. If you have insurance through your employer or union/association you may need to contact them to retrieve these details. Note that you must have your policy number available to be able to submit your claim online.
You will not be required to provide a policy number if your insurance is included as part of your credit card agreement. We can locate your details through the first 6 and last 4 digits of your credit card number, which is required when submitting your claim.
For the insurance through the credit card to be activated, a minimum of 50% of the transport cost must be paid for with the credit card. If using a private car for your transport, please see the insurance certificate for more information. You will be asked to submit documentation of payment for travel as part of the claim report.
By providing your bank details when submitting your claim, we are able to make claim payments faster once the claim has been adjudicated.
To be able to process your claim we will require your policy number and information and documentation supporting the loss that has been suffered. We will also require details of any refunds from your tour operator/airline/hotel. Additional information will be required depending on the type of claim being reported. Details of these can be found in the respective claim form.
You can email us at Norway.Claims@aig.com or call us on +47 22 00 20 80.
You can email us at Norway.Claims@aig.com or call us on +47 22 00 20 80.
We would encourage you to submit your claim as soon after the event as possible as this helps us acertain the facts needed to make our claim decision. Under section 8-5 and 18-5 of the Insurance Contracts Act, AIG is exempt from liability if you do not submit a claim to AIG within one year of becoming aware of the circumstances to which it relates.
Unfortunately, no, please make sure to have your policy number, information and supporting documentation ready before starting the process.
If you want to send us additional documentation after you have submitted your claim, you can email this to Norway.Claims@aig.com. Please insert your claim number in the subject field.
For emergency medical assistance please call SOS International:
Telephone: +45 38 48 92 50
Please have your policy number available when you contact SOS International
If you need to make a claim on Expedia Travel Insurance please visit https://claims.travelguard.com/myclaim/no.
For full details of what your policy covers please refer to your policy document.
Our claims professionals will contact you as soon as possible with your claim number and details of any further information that might be required to handle your claim. We will do our best to process your claim as fast as possible. Processing time can vary with complexity and retrieval of additional documentation.
For emergency medical assistance please call SOS International:
Telephone: +45 38 48 92 50
Please have your policy number available when you contact SOS International
In the event that you need to cancel your trip, you must contact the airline or travel operator first and request a refund. If you cannot get a refund you can submit a claim under your travel insurance.
No, reimbursement for bonus points or air miles is not provided.
Yes, you should take the necessary steps to report the theft and recover your stolen property, in the event it is found.
Yes, you should take the necessary steps to report the theft and recover your stolen property, in the event it is found.
Yes. The damage must be reported immediately to the airline or any other carrier. As part of your claim, we will ask for a Property Irregularity Report (PIR) which is proof that the damage reported occurred during the time the baggage was checked in.
For full details of what your policy covers please refer to your policy document.
For full details of what your policy covers please refer to your policy document.
Please contact the airline to obtain a Property Irregularity Report (PIR) tracking number for the delayed luggage.
For full details of what your policy covers please refer to your policy document.
Please contact the airline/operator for a written explanation of the reason for the delay and its duration.
Yes, provided that the cause of the original delay is covered by the travel insurance. For more information, please see your insurance documents.
The insurance period is indicated in the certificate of insurance.
The person or persons named in the insurance certificate.
For more information about current travel advice, please visit the government or FHI's website:
https://www.regjeringen.no/no/tema/utenrikssaker/reiseinformasjon/id2413163/
https://www.fhi.no/nettpub/coronavirus/befolkningen/reiserad-koronavirus-covid-19/
Yes - we recommend everyone travelling within EEA should obtain this card. The European Health Insurance Card officially documents that you are entitled to coverage of medically necessary healthcare in another EEA country under the same conditions as that country's own nationals. You should carry the card if you will be staying temporarily in another EEA country or Switzerland. For more information please visit: https://www.helsenorge.no/en/health-rights-tourist-abroad/the-european-health-insurance-card/
For full details of what your policy covers please refer to your policy document.
You can download a editable pdf below and submit through email.
Claimsform Travel Insurance >>
You will find your policy number in the insurance documents you should have been assigned by your employer or when you took out the insurance via the association/trade union. If you do not have these available, please contact the respective employer/union for more information.
The processing time varies depending on the complexity of the damage and which documents are available when the claim is registered. We do our utmost to process your claim as quickly as possible.
If you have specific questions regarding your claim, you can ask your case manager. If you have not been assigned a case manager, you can contact us at telephone on 22 00 20 80 or by sending an inquiry to Norway.Claims@aig.com. Please have your case number ready.
If you have additional documentation, this can be sent to skadekontoret@aig.com. Please add your case number on the email.
We recommend that the damage claim is reported as soon as you become aware of it. The company is free from liability if the claimant has not notified the company of the claim within one year after the person concerned became aware of the circumstances that justify it, cf. FAL §§18-5.
FAQs related to an Accident Claim
No, the insurance does not cover treatment at private hospitals or clinics. Only public treatment is covered. Please read the insurance policy for more information on which treatments are covered.
If you have been exposed to an occupational injury, it will be the occupational injury company that will mainly deal with the case and reimburse your expenses. We therefore ask you to report the damage directly to them via your employer. The reason for this is that occupational injury insurance has much more comprehensive coverage than accident insurance. It is the insurance policy with the largest coverage that takes the lead in a personal injury case. You then also avoid having to deal with several companies at the same time whilst having your claim considered under the correct coverage.
Please see your insurance documents for more information about your insurance. If there is a deductible on your insurance contract, this is only deducted once.
We ask you to read your insurance documents to see what is covered by your insurance. If your damage has been approved as accidental damage, the insurance usually covers the following:
- Doctor and dentist
- Treatment and stay at public hospitals
- Physiotherapy and chiropractic treatment prescribed by a doctor
- Bone fracture compensation
- Dressings and medicine prescribed by a doctor
- Travel round trip from home address to treatment. Compensation is limited to the most reasonable alternative with regard to the insured's condition
We would like to point out that an accident injury must be considered approved before any cover can kick in.
Permanent medical disability means that you have lost part of your normal bodily function as a result of an accident injury. The medical invalidity is set at a degree from 1-100 percent.
The degree of disability is determined by a specialist on an objective basis without regard to occupation, work or leisure interests, and is based on the disability table.
VMI compensation is normally paid from and including 1%.
Claims must be reported within one year from the date you became aware of the circumstances of your claim. Providing you submit your documentation within this timeframe, you may choose whether to submit your expenses all at once or when incurred.
You can download a editable pdf below and submit through email.
Accident or Critical Illness >>
For all administrative questions about your HLF membership, please contact HLF +47 22 63 99 00 or email hlf@hlf.no.
To buy Plus-insurance: www.hlf.no/Min side
For all administrative questions about HLF Plus-insurance please contact +47 22 63 99 00 or email hlf@hlf.no.
You can report the loss to the insurance in AIG if the device is lost, stolen or so damaged that it cannot be repaired.
You report the damage on our website.
Remember to always include the following when reporting a claim:
- Copy of Warranty Card or equivalent delivery documentation
- Copy of the invoice/receipt for the purchase of a new hearing aid
- Confirmation from the supplier that the appliance cannot be repaired
- Confirmation from the police that the robbery/theft of the hearing aid has been reported to the police
- Other relevant documentation
We want claims to be reported electronically. If you cannot report the injury yourself, you can ask a family member, friend, responsible health personnel or similar to help you report the injury electronically.
If you cannot get help reporting the damage, contact us on +47 22 00 20 80.
The insurance covers loss and theft of the hearing aid. The cause must be known and can be linked to a specific time of the injury.
For the insurance to apply, the membership fee for the year must be paid.
- Loss of/theft of a hearing aid that can be replaced under Norwegian Folketrygd
- Fitting costs and servicing of the hearing aid, as well as losses due to gradual deterioration/wear and tear, faults or defects in the hearing aid
- Loss of the hearing aid when it has disappeared during the post, or when the cause is unknown
- Loss/theft of hearing aids older than 6 years
- Loss/theft of a hearing aid that occurs outside the insurance period
- Insurance cases caused by the insured through intent or gross negligence, cf. FAL § 4-9 (2)
There is a deductible of NOK 1,000, which will be deducted from the compensation.
The compensation is limited to NOK 6,000 for the loss of one hearing aid and NOK 12,000 in case of loss of both hearing aids.
If you have plus insurance, the cover is NOK 10,000 for the loss of one hearing aid and NOK 20,000 in case of loss of both hearing aids.
When assigning a hearing aid, the supplier/audiographer issues an assignment form, or equivalent documentation. This identifies the user of the hearing aid, the type of hearing aid and shows, among other things, the date when the hearing aid was received. This is essential documentation in accordance with the 6-year rule for the lifetime of the hearing aid. You can request a copy of the award letter from an audiologist or from NAV.
When the hearing aid is older than 6 years, you have the right to have a new hearing aid covered by Folketrygden up to a certain rate. Contact an audiologist for assistance.
You can read more about this on NAV's website: https://www.nav.no/horeapparat#kort-om.
You order new hearing aids from your audiologist.
You will find all your documents here:
https://www.hlf.no/medlemskap/medlemsfordeler/hlfserstatningsavtale/#forsikringsdokumenter
If you have taken out plus insurance, you have been sent insurance documents directly.
If your hearing aid is damaged, you must in the first instance send it to the hearing aid supplier directly or to the Hearing Center for repair. If it is possible to repair the appliance, the repair is completely free for you. In terms of experience, we see that it is often possible to repair appliances that have been stepped on or that have had a round in the washing machine.
If the appliance cannot be repaired, but must be replaced with a new one, the supplier will confirm this to you in writing. Documentation of a damaged hearing aid is sent together with other documentation when reporting the damage.
You can find more about repairs being covered by Folketrygden here: https://www.nav.no/horeapparat#hvor-mye
You can download a pdf below and submit through email.
Hearingaid (HLF) >>