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Tips to Make a Successful Claim on Your Travel Insurance
Encountering a medical mishap that leads to the hospital in a foreign land can be an unpleasant experience, especially when you are all alone! However, you do not have to worry if you have meticulously chosen overseas travel insurance by your side.
Since you have a financial backup, you can immediately contact your insurer and check for a nearby network hospital. Fret not, even if the insurer does not have a network hospital in the vicinity! A carefully followed travel insurance claim process will help you cope with the financial losses incurred.
Read on for a few travel insurance claim tips to get reimbursement for unforeseen expenses without any hassles.
Read the Policy Details Thoroughly
Before buying travel insurance, read the policy documents carefully. Not just in case of a medical emergency, travel insurance can also be to your rescue in non-medical perils. However, there are certain terms & conditions you should know beforehand to avoid any last-minute surprises. Thus, it is important to read and understand the policy details, such as coverage, exclusions, policy terms & conditions, etc.
Also, you should make a note to jot down the policy details such as customer ID, your insurer’s contact details etc.
Keep Documents Handy
It is essential to carry copies of vital documents that will be required for making a travel insurance claim. Keep another set of copies in a secure place at your home. You may have to provide proof of expenses; hence, keep all your purchases receipts secure. You will require proof in various scenarios like loss/delay of checked-in baggage, flight delays, etc. Additionally, ensure proofs like medical reports, are all up to date.
Maintain other important travel documents. You may be required to contact your travel agency before approaching your overseas travel insurance provider for an insurance claim.
Report Thefts and Incidents
Despite keeping vigil, if you lose your belongings or encounter an accident, you must make a police complaint or approach the airlines/ local authorities/ hotel to report the matter.
You must provide proof of any incident for which you make an insurance claim by providing a complete written record of facts. Police reports are vital documents that your insurer may ask for before processing your claim.
Inform the Customer Support Team Early
Your insurer may have specified the time limit for claiming insurance. Make sure you adhere to the same.
Inform your insurer when you receive emails about payment from a hospital or recovery agency abroad. In the case of Cashless Mediclaim, you must keep a list of your network hospitals.
For filing travel insurance claim, you need to furnish the required documents, such as:
- Duly filled and signed claim form
- Passport copy with entry/exit stamp
- Original bills, receipts, and other documents
- First Information Report (FIR), final police report, post-mortem report (if applicable)
After a successful review of your case, your request for the travel insurance claim will be processed. It is, therefore, important for you to keep in touch with the claim management team during all stages of your claim process.
Wrapping It Up
Following the aforementioned steps, you can file a travel insurance claim without hassle. Here’s a pro tip: To ensure you can easily get reimbursement for an insurance claim, you should buy travel insurance from a reliable provider.
At Care Health Insurance, for instance, we provide a hassle-free claim process under the international travel insurance plan. We ensure you only bring good memories back home by assisting you in each step of claim processing. Wait no more! Buy your overseas travel insurance from Care Health Insurance and be assured of an easy claim procedure!
Disclaimer: Plan features, benefits, coverage, and claims underwriting may vary. Please refer to the brochure, sales prospectus, terms and conditions carefully.
