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Hassle-Free Travel Insurance Claim Process Tips

To ensure safety, many of us buy online travel insurance. How do you handle a crisis? Learn about travel insurance claims here!

How to make a travel insurance claim:

You’re on a family vacation abroad and exploring a busy market when someone on a bike steals your purse. It contains your passport and wallet, which you need in a foreign country. Your insurance plan will help, but how? You bought trip insurance quickly, but it was even more important to review the claim procedure in case of an emergency.

Thankfully, this is hypothetical, and you have time to fix it. Read on to learn how to handle this situation while travelling!

Easy travel insurance claim tips

You know you can file a travel claim while abroad (for hospitalisation) or afterwards. Every policyholder should know the process’s key steps detailed below:

Review policy documents

The insurer’s website lists all policy terms and conditions. Important facts are inclusions and exclusions. Before buying the policy, read these and ask the representative any questions. Emails or their customer service number make this easy.

Reimbursement vs cashless claims

Knowing the difference will help you prepare for emergencies and avoid claim confusion. Hospitalisation abroad is usually cashless with travel insurance in international locations. You must notify your insurer to receive these at network hospitals. However, reimbursement after paying for medical, passport, and other expenses out of pocket is a common claim payout method. After returning, provide documents to get reimbursed. *

Specify details

Fill out the proposal form with a valid number or email. Ensure this number works abroad. Also, don’t hide any underlying health conditions, especially if you have a pre-existing disorder that may pose a risk. Your insurer may reject your claim if you have PED (unless you have an add-on).

Store soft copy

Most people prefer digital documents, but your travel insurance from India needs safe storage. Carry backup storage with soft copies of your policy, passport, and important documents in case your phone is stolen or the policy is lost abroad.

Save the insurer’s contact info

Most insurers have a helpline or team dedicated to policyholders abroad. Some insurers offer smartphone apps, email addresses, EAPs, and fax numbers. To contact them properly, you must know all these points of contact. Save them in your phone or mail to avoid searching for them in an emergency.

Contact the insurer as soon as possible

Contact your insurer immediately if something goes wrong. Early notification speeds up resolution. They will advise you and suggest the best course of action.

Fill out your claim form carefully

Double-check your claim form before submitting it. This will avoid extra steps or time spent fixing those issues.

Safeguard documents

You need to do this, especially during reimbursement. For reimbursement, keep bills, receipts, FIR copies, and other proof of overseas expenses. Lost documents may result in claim rejection or a lower payout from your travel insurance from India.

Travel insurance claims mistakes!

Notify your insurer before making service provider arrangements.

Avoid ignoring recovery agency emails.

Don’t wait to buy insurance—learn about its clauses and benefits beforehand.

Cheap travel insurance plans have higher deductibles, which you must pay.

Finally, don’t lie or exaggerate loss. Your insurer may deny or penalise your travel claim.

Finishing up

It’s important to understand claim reimbursement, even though insurers’ procedures vary. While we hope we never need it, travel insurance protects us from financial losses and other problems. These tips will save you time and effort when settling your claim.

We hope this article has been informative, and now you will be able to make the right choices when making an insurance claim.

* Standard T&C Apply

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.

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