When purchasing a travel insurance plan or any insurance policy, everybody wishes they never have to make a claim. However, for some, this wish turns into an assumption. In the case of travel insurance, travelers take so much time to plan their trip, they may think that nothing will go wrong and they won’t have to make a claim. However, any fortunate or unfortunate event is unpredictable and can cause problems for any tourist. If you have travel insurance, the claims team from the insurance company will take full care of any problem that arises while you are in unfamiliar territory. However, you have to support your claim with some required documents.
The exact type of supporting documents required for a claim settlement is based on the problem faced and the insurance company’s processes. Listed below are some of the documents you may need in case of a travel insurance claim.
- Claim form
You will have to fill out a claim offline or online to begin the claim settlement process. In this form, you will have to provide your details along with the details of the incident that you are claiming for. In most cases, policyholders submit claims for travel insurance online.
- Policy document
Your insurance policy is one of the most important documents. It contains personal details along with dedicated customer data that proves that the policy is yours. This is the first thing an insurance company will ask when you make a claim. They will also investigate whether the issue that you are claiming for is included in your coverage in your travel policy. If the incident is covered, the claims team will continue the inspection process. Failure to present the policy document will result in dismissal of the claim.
Some insurance companies may ask you to submit any form of identification such as your Aadhaar copy or passport copy. This is a formality done to ensure that the person making the insurance claim is the person that bought the policy.
- Travel ticket
Travel insurance is often purchased with an air ticket. In the case of an international trip, it is smart to keep the tickets with you for the length of the trip. Such documents are useful in case of claims related to trip cancellation, trip delay etc.
- Airport correspondence
Airport correspondence is a verification from the authorities of the airport that you face any travel-related issue at. Such documents are required in case of delay/loss of luggage. You will need to get the appropriate correspondence from the airport authorities who will verify your claim.
A first information report is required for claims related to the theft of goods. Comprehensive reports are to be collected from the assigned police officers.
- Photocopy of passport
If you lose your passport during your foreign trip, you will need to submit a photocopy of the document along with the claim form. Failing to do so can land you in trouble with the authorities of the country you are visiting.
- Hospital bill or discharge card
In the event of an unfortunate accident, you will need to submit the appropriate hospital bills. This applies when you go for a reimbursement claim rather than a cashless claim. If you have been in the hospital for a long time, you will need to submit a discharge card from the hospital where you were treated. This is done in the case of cashless claims.
Regardless of the purpose or duration of your trip, it is better to have a travel insurance policy. For example, students travelling abroad for education would really benefit from student travel insurance in the case of any emergency.
Don’t forget to compare travel insurance before you shop online. The comparison should be based not only on the price at which the policy is available but also on the amount of insurance and coverage you are planning to purchase for travel insurance online. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.