Travel insurance is your best defence against the possibility of any unanticipated and terrible incident occurring while you are travelling or on vacation. Purchasing an online travel insurance helps you to secure your trip. Your travel insurance policy may come to your aid if you happen to be unlucky and things don’t go as planned.
If a person has extensive coverage, the claim staff at the insurance provider may handle all aspects of the claim settlement. However, you must include some crucial supporting documentation for your claim to be processed.
Depending on the problem encountered and the insurance company’s policies, the kind of supporting documentation needed for claim settlement could vary. The various documents that you might want in the event of a travel insurance claim are listed below.
- Claim form
To start the claim settlement process from your side, you should fill out an offline or online claim.
- Policy document
Undoubtedly one of the most important documents is your insurance policy. It might state that the policy is yours by including personal information or a unique customer number.
They would verify any issues you may have with your travel insurance. The claim team will proceed with the inspection process if the problem is covered. The claim would be disregarded if not.
- Identification
You could be required to produce identification documents, such as a copy of your passport or Aadhaar card, by some insurance firms.
- Trip tickets
You may need to provide aeroplane tickets if you need travel insurance international. Such data is useful for claims involving trip cancellations, delays, and other travel-related issues.
- Cancellation
The insurance provider might want a doctor’s statement confirming that a medical concern caused a travel cancellation. Some of the best travel insurance in India cover trip cancellation costs.
- Airport correspondence
Such documentation is necessary for the event of lost or delayed baggage. You must get the proper letters from the airport authorities to verify your claim.
- FIR
For cases involving the theft of luggage, a First Information Report is required. The assigned police authorities must provide in-depth reports.
- Loss of passport
If you have lost your passport while travelling abroad, you must include a photocopy of the passport with your claim form.
- Hospital bill
If an unfortunate accident occurs, you must submit the necessary hospital costs. This is relevant if you choose a reimbursement claim rather than a cashless one. *
- Discharge card
If you have a lengthy hospital stay, you must provide a discharge card from the hospital where you had treatment. Again, in the case of cashless claims, this may not be needed by certain insurers.
Conclusion
Before making an online purchase, remember to compare travel insurance. The comparison should consider the sum and coverage insured as well as the price at which the policy is offered from the provider from whom you wish to get an online travel insurance.
Discussing with family, friends, and co-workers may be advantageous since they can offer their opinions if they have had prior experience dealing with insurance companies.
* Standard T&C Apply
** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.
# Visit the official website of IRDAI for further details.
## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply
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
