There are instances where clients are unable to submit claims to the insurance company on time even after acquiring the appropriate travel insurance from India policy and having the necessary documentation. This can result in your travel insurance claim being denied or even delayed.
Time limits for filing a travel insurance claim
You must adhere to the deadlines specified by the travel insurance provider to register a claim in order to resolve your international travel insurance claims. It often fell between one and two months following your return date. However, the insurance will satisfy your claim concurrently if you provide all the necessary information, documentation, and details while you are travelling.
Below are a few examples of travel insurance claim scenarios and the actions you can take to submit a claim:
- Accidental and medical emergencies
If you become ill owing to both an accident and the weather, you might need to use your online travel insurance. With travel insurance, you can receive the best care and be evacuated in an emergency back to your country.
- A lost passport
You must file a police FIR and notify the travel insurance company of the loss. It is advised that you always keep a copy of your passport on hand to prevent issues in this situation. Additionally, you’ll need to keep track of all the costs that are involved with getting a new passport and present the receipts when filing your travel claim once you’ve returned home.
- Checked baggage delays
When travelling internationally, baggage loss and delays are typical. However, you must present the payment receipts for the essential products you bought due to delayed delivery of your checked baggage to receive prompt reimbursement for your name. Obtain a letter from the airline confirming the baggage loss and delay. To file for compensation from the insurance, you must also provide the tickets, a copy of your boarding pass, your passport, and a luggage delivery receipt to verify the travel dates.
- Trip cancellation or reduction
There may be occasions when you must postpone or cancel your travel due to personal or medical emergencies. Any financial loss arising from trip cancellation or restriction may be claimed through international travel insurance.
Benefits of Additional Travel Insurance:
- Personal accident cover: With this benefit, you are covered for any unintentional physical injuries, including the tragic possibility of passing away from such injuries.
- Bonus child education coverage: The provider must provide additional compensation in the form of a lump-sum payment equal to 2% of the insured amount for each dependent child if a travel claim for passing away or permanent total disability has been approved.
- Coverage for permanent or total disability: If the insured person suffers from an accident that results in permanent damage to one or more limbs, visual loss in one or both eyes or any other disability.
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.
