While purchasing a travel insurance plan, no one wishes they would have to raise a claim. However, unfortunate incidents are unpredictable and any tourist can face any of the travel-related problems. If one has extensive coverage, the insurance company’s claim team will take care of the claim settlement. However, you have to support your claim with some necessary documentation.
The exact type of supporting documents needed for claim settlement will depend upon the issue faced and the insurance company’s policies. Here’s a generic list of 10 documents that you might require in case of travel insurance claim.
Important Documents Required for Travel Insurance Claim:
1) Claim form
You might be required to fill an online or an offline claim for to initiate the claim settlement process from your side.
2) Policy document
Your travel insurance policy is the most crucial document. It might have a dedicated customer number or personal details that say that the policy is yours. This is the first thing that the insurance company will check in case of a claim. They will also crosscheck the issue faced with the coverage in your travel insurance policy. If the issue is covered, the claims team will initiate the inspection process. If not, then the claim shall be rejected.
Some insurance companies might ask you to submit some kind of identification document such as your passport copy or Aadhaar copy.
4) Trip tickets
In case of international travel insurance, you might have to submit flight (other travel) tickets. Such kind of documentation comes in handy in case of claims related to trip delay, trip cancellation, etc.
If there’s a trip cancellation related to a medical issue, the insurance company might need a doctor’s statement stating the same.
6) Airport correspondence
Such type of documentation becomes crucial in case of baggage delay/loss. You need to get the appropriate correspondence from the airport authorities that verifies your claim.
A First Information Report (FIR) is required for claims related to theft of baggage. A detailed report needs to be fetched from the appropriate police officials.
8) Loss of passport
If you lose your passport on your foreign trip, you need to submit a photocopy of the document along with the claim form.
9) Hospital bill
In case of an unfortunate event of an accident, you need to submit the relevant hospital bills. This is assuming you went for a reimbursement claim and not a cashless one.
10) Discharge card
In case you have a prolonged stay at a hospital, you need to submit a discharge card from the hospital where you were treated. Again, this is not applicable in case of cashless claims.
Travel Insurance India:
Be it travel insurance India or travel insurance international, the online purchase process is easy and convenient. Listed below are 10 reasons why you should buy travel insurance online:
- Extensive coverage
- Easy to compare
- Quick to purchase
- Anytime access
- Purchase from your smartphone
- No agent interference
- Simplified information
- Exclusive offers
- Instant policy
Do not forget to compare travel insurance before you buy travel insurance online. Compare not only based on the price at which the policy is available but also the coverage and the sum insured that the policy is offering. You might also want to look into the reputation of the online insurer from whom you are planning to buy travel insurance online. Speaking to friends, family, and colleagues might be helpful as they can share their feedback if they have associated with travel insurance companies in the past.
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