| Sr No |
Type of Claim |
Claims Documents |
Process |
| 1. |
Common Mandatory Documents |
- The insurance company's duly filled and signed Claim Form
- Name and address of the Insured Person in respect of whom the claim is being made
- Copies of valid KYC documents of the Nominee/claimant, any other regulatory requirements, as amended from time to time
- Passport and Visa copy with Entry Stamp Overseas and exit Stamp from India (if travel outside India)
- Original Travel Ticket / Boarding passes or copy of passport with visa entry and exit stamp (wherever applicable)
- NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details (wherever applicable)
|
|
| 2. |
Accidental Death Benefit |
- Copy of FIR (First Information Report)/Spot Panchnama/Inquest Panchnama where applicable attested by issuing authorities.
- Death Certificate attested by issuing/ appropriate authority.
- Post Mortem Report where applicable- attested by issuing authorities.
- Original legal heir certificate (in case nomination has not been filed by deceased)
- Copy of cancelled passport
- Copy of the death certificate, Clearance from the Indian Consulate. (Also providing details of the place, date, time, and the circumstances and cause of death)
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 3. |
Permanent Total Disability |
- Written intimation of the claim
- Investigation reports attested by Appropriate/issuing authorities
- Photograph of the injured with reflecting disablement
- FIR / MLC Copy (if MLC is done)/ Spot Panchnama where applicable- Attested by issuing authority
- Disability Certificate from appropriate Government Authority Medical Certificate from treating Doctor attested by issuing authority
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 4. |
Permanent Partial Disability |
- Photograph of the injured with reflecting disablement
- FIR / MLC Copy (if MLC is done) / Spot Panchnama-where applicable- Attested by issuing authority
- Disability Certificate from appropriate Government Authority Medical Certificate from treating Doctor stating the degree of disability/"complete rest"
- Leave certificate from the employer
- Medical reports, case histories, investigation reports, treatment papers as applicable
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 5A. |
Medical Expenses Reimbursement(Cashless Treatment While Abroad) |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge condition etc.)
- All the test reports
- Discharge Summary
- Prescription from the doctor
- Name, address, contact no, fax no, e-mail id of the Local Medical Officer (LMO)/ Family physician in India
-
Invoices (itemized) and Money receipts in original for the amount claimed(All above documents will be provided by the Hospital directly to the Assistance company. Insured needs to settle only deductible)
|
- Insured can call TPA/Assistance Company on the Toll Free number printed on the certificate and seek support during Hospital Admission
- Insured should register the claim with the same TPA/Assistance company providing Travel insurance certificate details
|
| 5B. |
Medical Expenses Reimbursement(Reimbursement Treatment While Abroad / or on return to India) |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge condition etc.)
- All the test reports
- Discharge Summary
- Prescription from the doctor
- Name, address, contact no, fax no, e-mail id of the Local Medical Officer (LMO)/ Family physician in India
-
Invoices (itemized) and Money receipts in original for the amount claimed
|
- Insured should remember to collect receipts/invoices for all payments made for treatment abroad
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 6. |
Day Care Treatment Cover |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge condition etc.)
- All the test reports
- Discharge Summary
- Prescription from the doctor
- Name, address, contact no, fax no, e-mail id of the Local Medical Officer (LMO)/ Family physician in India
-
Invoices (itemized) and Money receipts in original for the amount claimed
|
- Insured should remember to collect receipts/invoices for all payments made for treatment abroad
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 7. |
Hospital Daily Allowance |
- Copy of the Discharge Summary
- Copy of First Information Report (FIR) /MedicoLegal certificate (MLC)(if MLC is done)-where applicable- Attested by issuing authority
- Bill / invoice and payment receipts
|
- Insured should remember to collect receipts/invoices for all payments made for treatment abroad
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 8. |
Compassionate Visit |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge summary etc.)
- Certificate from the Treating Medical Officer mentioning the need for a companion (If no adult member from the family is available)
- Travel Details: Original Air Ticket, Boarding passes and copy of passport with visa entry and exit stamp of Insured Person’s Immediate Relative
- Proof of the immediate relative such as Ration Card
- Money receipt in original for the amount claimed
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 9. |
Emergency Visit |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge summary etc.)
- Death Certificate attested by issuing/ appropriate authority (in case of death)
- Proof of the immediate relative such as Ration Card
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 10. |
Ambulance and Emergency Transportation |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge summary etc.)
- FIR / MLC Copy (if MLC is done) / Spot Panchnama-where applicable- Attested by issuing authority
- Original invoice and payment receipt
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 11. |
Evacuation (Medical & Catastrophe) |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge summary etc.)
- All the test reports
- Investigation reports attested by Appropriate/issuing authorities
- FIR / MLC Copy (if MLC is done) / Spot Panchnama-where applicable- Attested by issuing authority
- Treating Doctor’s consultation indicating need
- Original invoice and payment receipt
|
- Insured /Insured’s Family can call TPA/Assistance Company on the Toll Free number printed on the certificate and seek support during Hospital Admission
- Insured should register the claim with the same TPA/Assistance company providing Travel insurance certificate details
|
| 12. |
Repatriation of Mortal Remains |
- Copy of FIR (First Information Report)/Spot Panchnama/Inquest Panchnama-where applicable attested by issuing authorities.
- Death Certificate attested by issuing/ appropriate authority.
- Post Mortem Report where applicable- attested by issuing authorities.
- Original legal heir certificate (in case nomination has not been filed by deceased)
- Copy of cancelled passport
- The receipt for expenses incurred towards preparation and packaging of the moral remains of the deceased and also for the transportation of the moral remains of the deceased
|
- Insured’s family can call TPA/Assistance Company on the Toll Free number printed on the certificate and seek support during Hospital Admission
- Insured’s family should register the claim with the same TPA/Assistance company providing Travel insurance certificate details
|
| 13. |
Kidnap/Hijack Cover |
- Police complaint copy
- Claimant/Nominee details
- Complete details of all communication received in relation to the Kidnapping or Hijack
- Approval letter from Crisis Consultant appointed by Us or any government appointed/approved consultant
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 14. |
OPD Treatment |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge condition etc.)
- All the test reports
- Complete details of all communication received in relation to the Kidnapping or Hijack
- Invoices (itemized) and Money receipts in original for the amount claimed
|
- Insured should remember to collect receipts/invoices for all payments made for treatment abroad
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 15. |
Trip Delay |
- Letter from the airlines stating reason and duration of delay
- Ticket Itinerary
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 16. |
Trip Cancellation & Interruption |
- Proof of death or hospitalizing of insured person or of spouse, parents & children. (if applicable)
- Medical reports and doctors’ statement that the trip is cancelled or interrupted due to medical reasons. (if applicable)
- Letter from the airlines clearly mentioning the reason of cancelling and interruption of flight (if applicable)
- Policy Copy (if applicable)
- Copy of new itinerary in case trip got reschedule along with boarding passes
- Copies of reimbursement statements issued by the common carrier
- All original bills and receipts for expenses which got forfeited, non-refundable in nature
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 17. |
Delay of Checked-in Luggage |
- Copies of correspondence with the Airline authorities/others certifying the delay & actual date and time of delivery of Luggage
- PIR report (Property Irregularity Report) (to be obtained from the airline authorities)
- Money receipts in original towards purchase of toiletries, clothing and medication during the delay period
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 18. |
Loss of Passport |
- Copy of FIR (first information report)/Police Report
- Receipts related to expenses incurred to obtain a new passport
- New passport copy or certificate of travel issued
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 19. |
Personal Legal Liability |
- FIR/Police Report- Sequence of the events leading to Personal Liability
- Copy of the court award- Notice from the Third party claiming the amount
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 20. |
Missed Connection |
- Letter from the common carrier stating reason and duration of delay
- Travel itinerary where you were originally scheduled to travel
- Money receipt in original towards expenses incurred in respect of additional travel and accommodation expenses.
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 21. |
Denied Hotel Accommodation |
- Proof against hotel booking Details
- Letter from Hotel mentioning reason for non-accommodation and compensation received if any
- Bills/invoices and receipt raised against the accommodation or transportation
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 22. |
Emergency Return of Immediate Relative |
- Medical Certificate from treating Doctor specifying the minimum days of hospitalization
- Discharge Summary
- Original Tickets used for the return travel of the family member
- Copy of passport of the family member with entry and exit stamp
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 23. |
Home Insurance Cover |
- Police report.
- Original receipts for all items claimed. If not available, provide description of items and the date, place and price of purchase.
- Panchnama.
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|
| 24. |
Pre-Existing Diseases (case of life-threatening medical condition)In |
- Medical Records (Presenting complain, diagnosis, treatment given, discharge condition etc.)
- All the test reports
- Discharge Summary
- Prescription from the doctor
|
- Insured can call TPA/Assistance Company on the Toll Free number printed on the certificate and seek support during Hospital Admission
- Insured should register the claim with the same TPA/Assistance company providing Travel insurance certificate details
|
| 25. |
Personal Accident (Common Carrier) |
- Written intimation of the claim
- Investigation reports attested by Appropriate/issuing authorities
- Photograph of the injured with reflecting disablement
- FIR / MLC Copy (if MLC is done)/ Spot Panchnama where applicable- Attested by issuing authority
- Disability Certificate from appropriate Government Authority Medical Certificate from treating Doctor attested by issuing authority
- Death Certificate attested by issuing/ appropriate authority (in case of death)
- Post Mortem Report where applicable- attested by issuing authorities (in case of death)
- Original legal heir certificate (in case nomination has not been filed by deceased) (in case of death)
- Copy of cancelled passport (in case of death)
|
- Claim Number to be obtained from the Assistance Company (while abroad) or the Insurance Company’s India Call Centre – enter on Travel Claim Form
- Send all documents to Insurance Company’s Claims Office in India
- Normal Turn Around Time (TAT) is around 14 working days
|