You never know what kinds of issues you might encounter while travelling. That is why it’s crucial to get travel insurance that can protect you if you misplace your passport, luggage, personal belongings, etc while you are travelling.
Claiming on a travel insurance policy is a simple process. You would require a few documents in order to claim your insurance. By providing your insurer with these records, you can settle your travel claim. The following papers must be submitted with a travel insurance claim:
Claim initiation: TO start the claim process, you need to inform your insurer about the incident that has taken place. This can be done either by getting in touch with them through their claims helpline number. Alternatively, you can initiate the claim by filing it on their website in the claims section.
Policy paperwork: One of the most important documents is your insurance policy. It might state that the policy is yours by including personal information or a unique customer number.
In the event of a claim, the insurance company could take notice of this first. Additionally, they may verify any issues you may be having with your travel insurance. The claim team could proceed with the inspection process if the problem is covered.
Losses encountered during an international trip could be entertained only if you have international travel insurance. The claim could be disregarded if not.
ID proof: Some insurance providers may require you to submit copies of your passport or an Aadhaar card as proof of identity.
Travel trip tickets: You could be required to provide flight tickets if you have international travel insurance. Such data is useful for claims involving trip cancellations, delays, and other travel-related issues.
Cancellation: If a trip is cancelled due to a medical problem, the insurance provider may request a doctor’s note confirming the same.
Airport correspondence: This is one type of evidence that is crucial in the event of lost or delayed luggage. You must obtain the proper letters from the airport authorities to verify your travel claim. You should also make a list of the items and valuables and their market value if the insurer asks about them.
FIR: A First Information Report (FIR) is required for claims involving the theft of luggage. The assigned police authorities must provide in-depth reports.
Passport loss: You must provide a photocopy of your passport with your claim form if you lose it while travelling abroad. Also, losing a passport can be a serious issue, so keep the documents required for passport ready and apply for re-issue of the passport.
Hospital bill: In the unfortunate event of an accident, you must submit the necessary hospital invoices. This is relevant if you chose a reimbursement claim rather than a cashless one.
Discharge card: If you spend an extended amount of time in the hospital, you must present a discharge card from the facility where you had treatment.
Before making an online purchase, remember to compare travel insurance policies. The comparison should take into account the sum and coverage insured as well as the price at which the policy is offered from the provider from whom you wish to purchase travel insurance online.
Having a discussion with family, friends, and coworkers may be advantageous since they can offer their opinions if they have had prior experience dealing with insurance companies.
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.
