Insurance Claim Submission
An encrypted insurance claim form for insurers and brokers — structured fields for incident details, policy information, estimated loss, witnesses, and document upload, compliant with Swiss VVG and nFADP.
About this template
This template provides insurance companies and brokers with a structured, encrypted claim submission form. It guides claimants through the key information needed to lodge a claim — policy details, incident description, date and location, estimated loss, witnesses, and supporting documentation — ensuring completeness and protecting sensitive claim data.
What it collects
- Claimant identity and contact details
- Policy number and insured party
- Type of claim (property, liability, health, life, motor, etc.)
- Date, time and location of the incident
- Description of the incident and how it occurred
- Estimated amount of loss or damage
- Third parties involved and witnesses
- Whether a police or authority report was filed
- Supporting documents — photos, invoices, police report
- Claimant declaration and signature
Swiss Insurance Contract Act (VVG) and nFADP
Under the Swiss Insurance Contract Act (VVG), policyholders have a duty to notify the insurer of a claim promptly (Art. 38 VVG). Claim data is sensitive personal data subject to the nFADP. End-to-end encryption ensures claim details — which may include health, financial or third-party information — are protected from submission to processing.
How to use it
Use this template
Click 'Use template' to create a copy in your dashboard.
Customise for your insurance line
Add fields specific to the insurance type — vehicle registration for motor, treating physician for health, building address for property.
Share with policyholders
Link from your policyholder portal, website or embed in your claims handling emails.
Why insurers and brokers need a structured digital claims form
Insurance claims are high-stakes documents. An incomplete claim causes delays, follow-up correspondence, and frustrated policyholders. A claim that is well-documented from the start — structured fields, required information, and supporting files — moves to assessment faster, reducing average claims handling time.
For the claimant, a structured digital form ensures they provide everything needed in one go. For the insurer, it creates a consistent, structured data set for every claim — enabling workflow automation, faster triage and better claims analytics. For the broker, it provides a professional, branded interface that reflects well on the intermediary.
What a claims form should capture
- Policy identification — number, insured, insurer, product line
- Incident date and time — the notification clock starts from when the insurer learns of the event
- Incident description — what happened, how, and what was the cause
- Type and extent of damage or loss — structured categories enable fast triage
- Third parties — for liability claims and subrogation rights
- Police or authority report number — for theft, accident or criminal damage claims
- Documentation — photos at the scene are perishable evidence
- Claimant declaration — confirming accuracy and consent to investigation
Duty to notify under Art. 38 VVG
The policyholder's duty to notify (Anzeigepflicht / obligation de déclaration) exists under Art. 38 VVG — the insurer must be notified promptly when the insured event occurs. Failure to notify promptly can give the insurer the right to reduce or refuse the claim. A digital form with a clear submission timestamp gives both parties a documented record of when the notification was made.
Email claims vs structured digital claims forms
| Email / phone claims | Structured digital form | |
|---|---|---|
| Completeness | Claimants forget key details | Required fields ensure completeness |
| Timestamp | Informal, hard to prove | Server-timestamped record of notification |
| Document handling | Attachments in email, easy to lose | Secure attached upload, linked to claim record |
| Data protection | Claim details in unencrypted inboxes | Encrypted end-to-end from submission |
Frequently asked questions
What is the time limit for filing a claim in Switzerland?
Art. 46 VVG provides a two-year prescription period for insurance claims from the date the insured event occurred. However, specific policies and insurance lines may set shorter notification deadlines — always check the policy conditions. Filing promptly is always advisable.
Is claim data encrypted?
Yes. Claim data — including uploaded photos, police reports and invoices — is encrypted in the claimant's browser before submission. Only authorised claims handlers at your firm can access it.
Can I customise the form for different product lines?
Yes. The template can be duplicated and customised for each product line — motor, property, health, liability — with product-specific questions added to each version.
For more context, see our insurance use-case page, our guide to digital claims handling, and our comparison of Schweizerform with specialist insurance claims platforms.