Travel Claims
Scope of Cover
The salient features of the policy are:
- Policy covers the medical expenses while the beneficiary is outside the Republic of India.
- It covers medical expenses both as inpatient as well as outpatient while in a foreign country.
- It provides for Medical Repatriation to India.
- Cashless settlement is provided through Overseas Services Provider.
- Personal Accident Cover.
- Loss of Checked Baggage.
- Delay of Checked Baggage.
- Loss of Passport.
- Personal Liability.
- Hijack Cover.
- Trip Cancellation.
- Missed Departure Up to the specific limits mentioned in the said policy.
Claim Steps for Medical Expenses Claim
1 :
The Overseas Provider should be intimated for Medical Emergencies and other claims.
2 :
The Overseas provider should be given the copy of the Policy together with a copy of the Passport for Identification details.
3 :
The Hospital where the Insured is admitted has to send the Pre authorization to the Service Provider who in turn will process the Claim and accord sanction.
4 :
In cases where the treatment is of outpatient nature and the Insured has intimated but not claimed whilst abroad can be claimed after return to India by submitting all the required documents to the service provider’s office in India.
5 :
In cases where the claims are rejected by the overseas service providers the Insured can lodge the claim in India for treatment taken through the Insurance Company.
6 :
Submit all the requisite documents to the insurance company for processing the claim.
Claim Steps for Accidental Death Claim
1 :
Report the accident to the Police Authorities & obtain the police report.
2 :
Intimate the Overseas Claim provider.
3 :
Submit all required documents to the Overseas Claim provider.
Claim Steps for Personal Accident Injury Claim :
1 :
Report the accident to the Police Authorities & obtain the police report.
2 :
Intimate the Overseas Claim provider.
3 :
Obtain Disability Certificate from the Doctor.
4 :
Submit all required documents to the Overseas Claim provider.
Claim Steps for Trip Cancellation Claim :
1 :
Submit all the requisite documents to the insurance company for processing the claim as early as possible.
Claim Steps for Loss of Baggage Claim:
1 :
Inform the airline authorities and lodge a complaint.
2 :
Obtain a PIR report from the airline authorities
3 :
Submit all the requisite documents to the insurance company for processing the claim as early as possible.
Claim Steps for Financial Emergency Claim :
1 :
Lodge a complaint with the local police as soon as possible and contact the insurer to lodge a claim for the loss due to theft/robber
2 :
Submit all the requisite documents to the insurance company for processing the claim.
Claim Steps for Trip Delay Claim :
1 :
Inform the airline authorities, If the delay is beyond 6 hours inform the airline authorities and lodge a complaint. Obtain a PIR report from the airline authorities
2 :
Submit all the requisite documents to the insurance company for processing the claim.
Documents required for Medical Expenses Claim :
1 :
Claim form duly filled
2 :
Doctor’s report
3 :
Discharge papers
4 :
Prescriptions
5 :
Original Bills
6 :
Payment receipts
7 :
Investigation reports
8 :
Passport Copy
9 :
Visa Copy with entry and exit stamp
10 :
Cancelled cheque
Documents Required for Personal Accident Claims Death Claims :
1 :
Intimation to overseas claim providers.
2 :
Completion of claim form.
3 :
Report of the Police Authorities regarding circumstances of Death.
4 :
Death Certificate issued by the Authorities.
5 :
Inquest certificate issued by the Police authorities.
Documents Required for Personal Accident Injury Claims :
1 :
Written Intimation of Claim.
2 :
Claim Form duly filled & signed
3 :
Copy of Final Police Report attested by issuing authorities ( if applicable)
4 :
Copy of FIR / MLC Copy / Spot Panchnama attested by issuing authorities( if applicable)
5 :
Photograph of the injured with reflecting disablement ( If required)
6 :
Disability certificate from appropriate government authority/ treating doctor
7 :
Medical certificate from treating doctor
8 :
Leave Certificate from the Employer/ self declaration
9 :
Investigation reports of treating hospital attested by issuing authorities
10 :
Documents related to treatment received attested by issuing authorities/Original
11 :
For NEFT payment, please provide us with copy of cancelled cheque and copy of front page of bank Passbook
Documents required for Trip Cancellation Claim :
1 :
Claim form duly filled
2 :
Passport copy with entry and exit stamp
3 :
Boarding pass, tickets & baggage tags
4 :
Copy of correspondence with airline authorities for the delay
5 :
Property Irregularity report from the airline authorities stating the reason for delay
6 :
Original bills/invoices and payment receipts for purchase of emergency items
7 :
Details of compensation received from the airline authorities
8 :
Cancelled cheque
Documents required for Loss of Baggage Claim :
1 :
Claim form duly filled
2 :
Passport copy with entry and exit stamp
3 :
Boarding pass, tickets & baggage tags
4 :
Copy of correspondence with airline authorities for the baggage loss
5 :
Property Irregularity report from the airline authorities stating the reason for delay
6 :
Proof of ownership of items in the baggage
7 :
Details of compensation received from the airline authorities
8 :
Cancelled cheque
Documents required for Financial Emergency Claim :
1 :
Claim form duly filled
2 :
Written statement mentioning the nature of loss and the circumstances
3 :
Copy of report to the local police authorities
4 :
Copy of passport with visa entry stamp
5 :
Cancelled cheque
Documents required for Trip Delay Claim :
1 :
Claim form duly filled
2 :
Passport copy with entry and exit stamp
3 :
Boarding pass, tickets & baggage tags
4 :
Copy of correspondence with airline authorities for the delay
5 :
Property Irregularity report from the airline authorities stating the reason for delay
6 :
Original bills/invoices and payment receipts for purchase of emergency items
7 :
Details of compensation received from the airline authorities
8 :
Cancelled cheque
General intimation form
At the time of an unforeseen event when you need immediate assistance and support you can contact your insurer/TPA through below mentioned modes.
Call Center
Claims Service Representative of Insurer (CSR) shall help you to intimate claim fast and smooth for you. Please feel free to call them on stated phone number mentioned Here round the 365 days.
Walk In
If you wish to intimate your claim in person, Please feel free to visit your policy issuing Insurer Branch Mon- Fri 10:00 AM to 05:00 PM (Except for National Holidays). Please refer Here for more information.