Important Documents That You Need When Filing Travel Insurance Claim

The present scenario is full of uncertainties and unexpected events. This has made the purchase of travel insurance mandatory given its extensive coverage for both financial and mental security. But we all are always wishing that we are never required to file a travel insurance claim as it not only means your trip going haywire but also facing plenty of hassles and even facing the risk of your claim not getting approved.

But you never know when your travel insurance proves a boon and you need to file an insurance claim. However, travel insurance carries a high risk of claim rejection owning to most travelers not submitting all the required documents for claim approval. Depending upon your specific issue and your insurance provider’s policies; there can be few specific documents that can vary. Despite this, there is a generic list that is common for almost all travel insurance claims. Do take a note of all these documents that you must ensure you have for easy claim filing and approval.

• Policy Document

Without a copy of your policy document; your claim would not even get filed. It has your details and a unique policy number assigned to you which authenticates your purchase. It states in detail what is covered and not covered by your policy. If your claim is covered, only then The Insurance Company would proceed to investigate your claim for approval or rejection.

• Claim Form

When filing for a claim; you need to fill a specific form that is provided by the insurance company. It is available online as well as offline. Filling up this form correctly and submitting it with your insurer will initiate the claim filing process from your part.

• Identification Proof

When looking into your claim request, most insurance companies ask for a proof of your identity. Documents like a copy of your Aadhar Card, Pan card, driving license, voter card, etc. does the job.

• Trip Tickets

Your trip tickets are vital proof of your trip. Hence, you must save all the tickets of all journeys during the trip until you reach safe and sound in your home. They become critical especially when you are filing a claim for trip delay or cancellation.

• Airport Correspondence

Whether it is delayed or lost check-in baggage or delayed or canceled flight; the airport department plays a crucial role. While you are facing the crisis in the airport; you must remember to get in touch with the airport authorities and get a written statement from them verifying your claim. The document is important as it eliminates the chances of your claim getting rejected.

• Doctor’s Certificate

Medical reasons are a common enough cause for the disruption or cancellation of your trip. If any medical reason is involved; you must make sure that you are getting a certificate of your medical condition, medical prescriptions, bills of medicines and any other costs involved. If you are getting hospitalized and not able to avail of the cashless offer; you must collect all possible bills and invoices so that you do not face any harassment during claim approval.

• Discharge Card

Incidents like accidents and serious injuries might require a prolonged stay at a hospital where cashless hospitalization is not possible. When you are getting discharged from there; ensure that you are getting the discharge certificate from the hospital. It will make your claim process hassle-free.

• FIR Copy

Issues like theft of your baggage, passport and other important documents require a complaint with the police to be lodged. After lodging the complaint, the police give you a copy of the FIR or First Information Report. You need to get this report from the policemen and also make sure that it has detailed information inside.

• Loss of Passport

Another common incident while on overseas travel is the loss or theft of your passport. In that scenario, most insurance companies ask for a copy of your passport. It is for this reason that you must always make several copies of your passport and keep a few at different places in your home as well as carry a few copies with you along with the original.

Wrapping up

Most travel insurance claims get approved without too much hassle if you have the above-mentioned documents and their copies with yourself. While on a trip, you must always pay heed to procure these documents to avert all possible problems while getting your travel insurance claim approved.