This list exists so you don't have to think on the bad day: work from top to bottom, ticking off each step. Read it through once when things are calm – then pull it out when a claim happens, and work through it in order. The background explanations are in the claim reporting guide.
In short:
- The list has five blocks: treatment → documents → reporting → elements → closing out.
- The golden rule: report it right away – paperwork can be supplied later.
- The primary route for reporting a claim is the insurer's claims hotline and online portal.
Block 1: the first day
- ☐ Get medical treatment – describe the circumstances of the accident (when, where, how) precisely, so they end up on paper.
- ☐ Ask for the treatment document (the outpatient record) and keep it safe – take a photo of it on your phone.
- ☐ For a workplace accident: notify your employer immediately – following workplace procedure.
- ☐ Abroad: ask for the paperwork from the treatment you received there, and keep it safe.
Block 2: the document folder
- ☐ Set up one place (a folder or a phone album) – one copy of every document goes there, the same day.
- ☐ Look up the policy number and the insurer's claims hotline number.
- ☐ Skim the medical documents list – know what's still to come (test results, follow-ups, the discharge summary).
Block 3: reporting the claim
- ☐ Report the claim on the insurer's claims hotline or online portal – as soon as possible, with whatever documents you already have.
- ☐ Note down the claim number – every later exchange refers back to it.
- ☐ If more than one policy is involved (your own + workplace + school): report it at each one – fixed amounts are paid alongside each other.
Block 4: thinking through each element
- ☐ A fracture? – claim the fracture benefit.
- ☐ An inpatient stay? – claim the daily hospital cash (discharge summary needed).
- ☐ Surgery (day surgery counts too)? – claim the surgical benefit.
- ☐ A period of healing, unfit for work? – claim the temporary-disability daily benefit.
- ☐ Could there be a lasting impairment? – flag the permanent-disability claim; go to every follow-up and document all of it.
Block 5: closing out
- ☐ Missing documents requested (if any): supply them all in one go, quoting the reference number.
- ☐ The payouts have arrived – check them against your list of elements.
- ☐ If something doesn't add up: ask the insurer – if it gets stuck or disputed, let me know.
- ☐ Note down what you learned: what was missing, what could go better – and put the folder away for next time (which, hopefully, never comes).
A question about your own situation? Run the numbers in minutes with the online calculator (in Hungarian), or book a free 20-minute consultation →
This article is for information purposes only; it contains general information and does not constitute an offer or insurance advice. The exact content of insurance contracts is defined by the insurers' terms and conditions in force. This site does not give medical advice: if you're injured, always see a doctor – a healthcare professional decides on treatment.
