Claim Process for Travel Insurance
Travelling should ideally be a pleasant experience that opens up your mind and heart to new places and interesting cultures. It should definitely not be an excruciating ordeal with unforeseen hassles and issues. To ease the unavoidable and sometimes avoidable issues, travel insurance can come to your rescue. It is a comprehensive plan which covers emergencies like accidents, illnesses, and even flight delays, cancellations, lost and damaged baggage and theft. All personal and third party liabilities are also covered by this insurance.
Travel insurance is mandatory to be purchased before flying outside the country and now domestically also, the frequent flight delays and rescheduling have made this a popular option. You should do a thorough comparison of various travel insurance plans to see how much cover is allocated for each problem. If you are going for a long trip or frequent trips to different countries, you can opt for a policy which provides you with multi-country options. Also distinguish between the medical and non-medical issues which are covered. While most policies have lost baggage, flight cancellation, personal accident, and illness covered – some might provide extra benefits like protection from hijacking, lost passport and other such problems.
Know About the Claim Process
The claims process might differ from one insurer to another. But, usually, certain documents are commonly required. Ensure you do a bit of homework before travelling and keep these documents handy.
Before leaving for your journey, ensure you have the policy document along with you with medical documents mentioning past history, if any.
While filling the form, ensure you have the NEFT details with a cancelled cheque enclosed. Do provide a KYC form along with specific KYC documents (PAN card, passport, driver’s license, voter ID) for Rs 1 lakh and above.
Before going abroad, keep a list of network hospitals handy for emergencies.
Keep the toll free number and India numbers of your insurance provider handy as well while travelling, along with your policy ID.
If a mishap occurs, be sure to inform the insurance company and a claim sales representative can help you with further details.
A claim form will be sent to you via email/fax which needs to duly filled with relevant details and sent along with the documents pertaining to the incident.
There are specifics for each kind of loss and usually a different set of documents is required for each issue. So, please look it up on the insurance provider’s website and arrange these documents before leaving the country. For example, if you had to go to a network hospital for a small outpatient procedure while abroad, ensure to collect the receipts and final bill for claims purposes.
You will also find the detailed descriptions of documents required for different emergencies, with your insurer– like in case of death, loss of baggage, or loss of personal effects or important documents.
Remember to retain a copy of all the documents with you before sending them to the insurance company.
Keep all tickets, stamped boarding passes, cancelled cheques, receipts at hotels and tourist places with you till the claim is over. These things can help in getting a confirmation and aid in the further investigation by the insurance company.
You should try and ensure you have details of the hospitals, hotels which you visited to be able to provide an accurate description and address.
The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.