A travel insurance from India policy’s goal is to provide financial security after losses suffered during any unfavourable circumstances that could arise during your journey, whether it is domestic or international.

Here is a guide to assist you in making travel insurance claims quickly and effectively:

Pre-travel preparations

  • Take pictures of all your papers and valuables and store them securely on your email or Google Drive so that you always have access to them.
  • Write down any information that can be used to identify your products, such as the model and serial numbers for your electronics.
  • Make at least two copies of each of your travel documents, one to be given to a family member or friend and the other to be brought along on your journey with the originals. Keep both sets separate by packing the originals in your carry-on luggage and the copies in your checked luggage. This is the best approach to take.
  • Make sure your policy number and emergency contact information are readily available in case of need.

Claiming for Lost, Stolen, or Damaged Luggage

  • Within 24 hours of the incident, report any lost or stolen luggage to the nearest police station. A copy of this report is required as supporting documentation for your travel insurance from India
  • If a police record is unavailable for any reason, certain insurance companies may accept evidence from the manager of your hotel or your transportation company.
  • You may also claim the cost of replacing necessities while your luggage was delayed. Again, your travel company will need to give an evidence report for this.

Making a medical expense claim

  • Before beginning non-emergency therapies, try to get in touch with your international travel insurance company and gain their clearance. Keep the bills safe so you can claim the money when you get back.
  • You are expected to report an emergency or accident as soon as you can. Call the emergency number and be as specific as possible about your health and your medical care. If you are unable to report the incident yourself, you can ask those who are travelling with you to do so on your behalf. Don’t forget to carefully store all of the receipts.
  • Check that the receipts you plan to use as proof are properly signed and dated and include the location of the hospital where you had the treatment.
  • In case of an accident involving a third party, the insurance company will also want a copy of the police report.

Making a cancellation claim with your travel insurance

  • The most difficult claims to prove are those for paying for trip cancellations or cutting short the journey time. Your insurance company won’t approve this travel claim unless it is backed up by solid evidence.
  • If your vacation was cancelled due to the passing away of a family member, present the passing away certificate.
  • Present a police report in the event of a theft or burglary. If you are called to serve on a jury or as a witness in court, provide documentation to support your allegation, such as the official letter you were issued.

Filing a claim

  • Solicit compensation as quickly as you can. Every organisation allots a certain window of time before you may submit a return travel claim. This normally happens 40–60 days after the day you return.
  • Most businesses allow you to complete the process online. All in all:
  • Visit the website of your online travel insurance provider to download the claim form.
  • Send your properly completed claim form, along with any other necessary or pertinent papers, through email.
  • You could be required to post the documents by some employers. If you want to do this, be sure to make a copy of each document before sending the originals to your business.

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.

Source: https://m.hdfcergo.com/blogs/travel-insurance/guide-for-your-travel-insurance-claims.html