With the right travel insurance in place, you can easily check into a hospital and receive the necessary medical treatment and even ask for evacuation if required if you meet with an accident abroad. This article will help you understand how to file an overseas travel insurance claim and other details regarding claiming a travel insurance policy.
How to File an International Travel Insurance Claim?
There are two ways in which you can claim this policy:
For Cashless Claim
You have to register your claim within 24 hours of being hospitalised with proper documentation. The hospital that you select should agree to a cashless treatment facility. You can check your overseas travel insurance policy to get assistance for a cashless claim.
For Reimbursement
For reimbursement, you have to inform the insurer within 24 hours of the occurrence of the incident. For claim settlement, you have to mail the hard copies of the required documents, including your policy details, to the official postal address of the insurance company.
Documents Required for Travel Insured International Claims
The following documents are generally required when raising a claim for an international travel insurance policy:
- In accordance with the IRDAI guidelines, you have to complete your KYC form and submit it along with PAN/Form 60.
- Original boarding pass and ticket, along with a passport photocopy that indicates the travel dates.
- Original report/vouchers/bills for all claims.
- Official death certificate along with a physician’s statement in the cause of death for repatriation of the body.
- For passport loss reimbursement, you have to provide a Police Report within 24 hours of being aware of the theft, along with original receipts/bills for fresh passport issuance.
- For a trip claim related to baggage loss, you have to provide a Property Irregularity Report, which common carriers generally issue when checked-in baggage is lost.
- For claims related to personal liability, you have to provide proof of the Court’s judicial decision.
- For a claim for emergency financial assistance, you have to provide a Police Report within 24 hours of being aware of the theft.
Tips for Filing an Overseas Travel Claim
Here are some guidelines on how to make trip claims online:
- Read the Policy – To avoid last-minute surprises, you must read the policy document in detail. This is not only for medical claims, but you may need to make non-medical claims for which you have to know the details of what you can claim for and what you cannot file a claim for.
- Inform the Authorities – You will be required to submit a Police Report for money or passport theft. Therefore, it is best that you file a Police Report without hesitation as soon as you realise that you have been robbed.
- Arrange Documents – Keep all documents ready in original copies so that your claim process is seamless and you can get your claim settled as quickly as possible.
- Intimate Insurer – Intimate through the assistance number provided in your policy immediately so that they can help you with the claim procedure.
Conclusion
Above everything else, make sure that you invest in the right insurance company that has a high claim settlement ratio. This will provide you with the security and confidence that your claims will be settled and you will receive proper financial coverage for your international trip.
