Inform the insurance company about canceling or shortening the trip. Provide details of the emergency along with the documents in the claim form. Only the cost of non-refundable, pre-paid expenses such as hotel bookings and flight tickets will be reimbursed.
Travel insurance is considered the best protection cover in case of emergency situations during travel. It covers medical emergencies, trip cancellation or alteration, delay or loss of checked-in luggage as well as loss of passport. While filing the claim, one should be aware of the claim process properly so that the claim can be received. To get a claim in such a situation, you should keep the following things in mind.
Inform the insurance company about cancellation or reduction of the trip . Provide details of the emergency along with the documents in the claim form. Only the cost of non-refundable, pre-paid expenses such as hotel bookings and flight tickets will be reimbursed.
Medical Emergency:
If a medical emergency occurs while you are abroad, a travel insurance policy provides quality medical care in such an emergency. Provide complete information about any incident and medical condition to the insurance company. Submit documents like doctor’s statement etc. If the insurance company has a network of affiliated medical facilities in that country, the hospital will be paid. If there is no cashless claim settlement facility, make the payment first and apply for reimbursement later.
Lost Luggage
A travel insurance policy protects against emergencies in case of lost luggage. Reimbursement is applicable in case of total loss of baggage. While the travel agent pays some compensation for the loss, the insurance company will pay the remaining amount.
Delay in Check-in Baggage If your
check-in baggage has not reached you, please inform the airlines. It may take a few hours to a few days for the goods to arrive. If you have travel insurance, the insurance company will give you a fixed amount to purchase the necessary items until the goods reach you. Indian Embassy will issue emergency certificate or passport re-issue in case of loss of passport. Whatever is spent on this will be recovered.
Ashish Sethi, Head of Health SBU and Travel Business, Bajaj Allianz says to collect the necessary documents to take the claim. This should include medical reports, receipts, police reports etc. Fill the form correctly and provide necessary details to speed up the process. Give the completed claim form and documents to the insurance company.
