February 21, 2024

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Easy Ways To File Your Travel Insurance Claim

File Travel Insurance Claim | Easy Ways to File Travel Insurance Claim

Traveling should ideally be a pleasurable experience that exposes your head and heart to different places and cultures. It should not be an agonising affair fraught with complications and problems. Travel insurance can help you deal with unavoidable and sometimes avoidable situations. It is a comprehensive coverage that covers accidents, illnesses, travel delays, cancellations, lost and damaged baggage, and theft. This insurance covers all personal and third-party responsibilities. 

A good travel insurance policy is required before flying outside the country, and it is now required before flying domestically, due to frequent flight delays and rescheduling. You should compare various travel insurance policies carefully to determine how much coverage is provided for each problem using a travel insurance app download. If you are planning a long journey or regular trips to different countries, you can choose an insurance that offers multi-country coverage. Separate the concerns covered into medical and non-medical categories. While most insurance covers lost baggage, flight cancellation, personal injury, and illness, some may include added advantages such as protection from hijacking, lost passports, and other such issues. It can be quite an expensive affair should any of these things happen. A travel insurance plan allows you to be at peace if any of these things happen, and then return safely to your home. 

Understand the Claim Procedure

The claims procedure may change from one insurer to the next. However, certain documents are typically necessary. Make sure you do your homework before travelling and keep these documents on available especially in case of foreign travel insurance.

1. Before embarking on your journey, make sure you have the policy document with you, as well as any medical documentation indicating your past history. You can get these online or from your travel insurance app. 

2. When filling out the form, make sure you have the NEFT details and a cancelled cheque handy. For Rs. 1 lakh and above, provide a KYC form along with specific KYC documents (PAN card, Passport, Driver’s license, Voter id).

3. Before travelling abroad, maintain a list of network hospitals on hand in case of an emergency.

4. Keep your insurance provider’s toll-free number and India numbers available while travelling, along with your policy ID. You can get these from your travel insurance app download.

5. If an accident occurs, notify the insurance provider so that a claim sales representative can assist you with further facts.

6. An email/fax will be provided to you with a claim form that must be filled out with pertinent facts and returned with the incident documentation.

7. There are details for each type of loss, and each issue usually necessitates a new collection of paperwork. So, please check the insurance provider’s website and prepare these documents before leaving the country. For example, if you had to visit a network hospital while abroad for a minor outpatient surgery, make sure to collect the receipts and final bill for claims purposes.

8. You will also discover extensive descriptions of documentation required for various emergencies, such as death, baggage loss, or loss of personal effects or crucial documents, with your insurer.

9. Keep a copy of all paperwork on hand before mailing them to the insurance company.

10. Keep all tickets, stamped boarding passes, cancelled checks, and receipts from hotels and tourist attractions with you until your claim is resolved. These things can help you receive confirmation and aid in the insurance company’s subsequent inquiry.

11. You should try to remember the names of the hospitals and hotels you visited so that you may provide an accurate description and address. This is very important for health insurance for travel abroad.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.