BMO Insurance does not publish blank physician statements for life or critical illness claims. The insured, a beneficiary or the estate's executor starts the claim online or by phone, BMO sends the relevant claims package, including any physician statement, and the claim is evaluated for a final decision once all required documentation has been returned.
The attending physician completes whatever physician statement BMO includes in the claims package. Only the insured, a beneficiary or the executor of the estate can start the claim, giving the insured's name, the policy number and the type of claim.
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Life & Critical Illness claims
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BMO does not post one on its claims page. The insured, beneficiary or executor starts the claim through BMO's online form or by phone, and BMO then sends the relevant claims package to be completed. Any physician statement your patient brings will come from that package.
BMO says you must be the insured, the beneficiary or the executor of the estate to make an insurance claim. The online form asks for the requester's name, relationship to the insured and contact details, plus the insured's name, the policy number and whether the claim is for a death or another type.
BMO states there is no mandated time frame for investigating a claim in Canada, and that its claim teams strive to respond promptly. Once all required documentation from the claims package is returned, the claim is evaluated for a final decision, and settlement is delivered in the claimant's preferred method.