What type of evidence is required for an accident and sickness claim?

In the context of an accident and sickness claim, medical evidence is critical because it provides the necessary documentation to substantiate the injury or illness being claimed. This type of evidence often includes medical reports, diagnostic tests, and treatment records that detail the nature and extent of the claimant's medical condition. Insurers rely on medical evidence to assess the legitimacy of the claim, determine the severity of the condition, and establish a causal relationship between the accident or sickness and the inability to work.

Witness testimony or an affidavit from the insured may provide additional context or support for a claim, but they are insufficient on their own without the accompanying medical documentation. Similarly, employer confirmation may validate aspects of employment and income loss but does not replace the necessity of medical evidence required to prove that an accident or sickness occurred and its impact on the insured's ability to work. Hence, medical evidence is paramount in the claims process for accidents and sickness.