How you can File an Overseas Travel Insurance Claim?

An overseas travel insurance policy provides financial protection against any mishaps occurring during your international trip, such as trip cancellation or delay, emergency medical conditions, delay in baggage delivery, etc. Sometimes customers may be unable to submit their claims in specified time or file without proper documentation. It may lead to delay or complete rejection of the claim.Let’s looks at how to file your claim in different situations:

• Contact your insurer for further information, such as the availability of cashless treatment.
• Keep all the prescriptions, reports and related receipts safely, to submit with your claim.
• Make sure that all the documents are properly signed and verified.
• In case of accidents, a police report copy must also be produced with the claim.

• Keep your tickets/boarding pass, passport, and other documents to support your claim.
• Obtain a letter from airlines confirming the situation of delay or loss.

• Make sure to carry a copy of your passport always.
• Immediately, report to the police and inform your insurer.
• Keep all the documents such as id proof, copy of new passport, any receipts from embassy or passport office, travel certificate, etc to be submitted with claim application.

• Talk to your insurer about the changed plan and provide evidence for the same such as hospital bill, copy of police report, etc.
• Also produce the flight and hotel booking, and other required documents with the claim.
• The insurance company uses blockchain technology nowadays that can fasten the claim process.

1. Emergencies Related to Health/Accidents: You may face medical emergencies sometimes due to accidents or sickness, during travel and need immediate treatment or even hospitalization. Also, in rare situations, you may need a safe evacuation to your country. Few things to keep in mind:
2. Loss or Delay of Checked-in Baggage: This covers any financial expenses that occurred due to delay/loss in the delivery of your checked-in baggage. Few things to keep in mind are:
3. Passport Lost During Journey: You can claim your insurance amount in case you lose your passport by any means. Few things to do:
4. Cancellation of Journey/Trip Shortened: There may be a situation where you need to shorten your trip or cancel it altogether due to unavoidable circumstances. Few things to keep in mind are:

Proper Documentation, Timely Submission Make sure to submit all the necessary documents required in your situation and timely submit your claim application to get it approved quickly and easily.

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.