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Step By Step Guide To Claiming Travel Insurance Online

By Finserv MARKETS - Aug 28,2019
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Guide To Help You Claim Your Travel Insurance

Introduction

You did the right thing by securing your trip with travel insurance. You have been able to enjoy the calm environs and gentle waters at the blissful beaches worry-free because you know the policy will have your back if an emergency arises. Having a layer of financial security over your travel is the single greatest relief. If you chose a prominent insurance policy like the Bajaj Allianz Travel Insurance, available on Bajaj Finserv MARKETS, then you don’t have much to worry about: with 10000+ network hospitals around the globe, a high emergency cash benefit, instant reimbursement option for flight delay expenses, you will be surprised how easy life becomes if your provide for crisis situations with a good insurance plan. But now that the dreaded emergency situation has struck, how do you go about availing benefits of travel insurance you had been promised? It is a fairly simple process. Just follow the steps below:

How to Claim Travel Insurance

A few preliminary words of caution. We hope you might have gone through your travel insurance policy document at the time of purchase and are clear about the inclusions and exclusions of the plan. Bear in mind that you can raise a claim against situations that are covered under the plan. If not, your claim will get rejected. Let’s take a look at how to claim travel insurance:

Step 1 → Registration of claim:

The first step in the claim filing process online is registering the claim by filling the given form. Usually, such a form is available on the insurer’s website, for instance, Bajaj Finserv MARKETS has online forms, where you just need to fill all the required details.

Step 2 → Upload all required documents online:

You need to get all the documents required for the claim settlement process and upload them here. It is important to note here that the specific set of documents required to be uploaded at this stage will depend largely on the reason for which you are seeking the claim, that is, the cover you are making a claim upon. For instance, for Personal Accident Cover related claims, you must file an FIR with the police and submit the same to the insurer. Raising a claim online is also easier because of this crucial step involving the documents: uploading documents here means a lot less hassle and a lot less paperwork. Unlike other travel insurance providers, an in-house validation team considers claims made by customers for policies available on an online portal like Bajaj Finserv MARKETS.

Since the required action at this stage is defined on a case-by-case basis, here are a few common situations and how you should prepare for the claim registration process under each.

  1. For Trip Delay 

If the delay is more than 6 hours, contact the authorities of the concerned airlines, lodge a complaint and obtain a PIR (Property Irregularity Report) report from them.

  1. For Missed Connections 

If the delay exceeds the specified time limit mentioned in your insurance plan and this results in a missed connection, please contact the authorities of the concerned airlines, lodge a complaint and obtain a PIR (Property Irregularity Report) report from them.

  1. For Baggage delay/loss 

In the event of baggage loss/delay, the insured must contact the concerned airlines, file a complaint and obtain a PIR (Property Irregularity Report).

  1. For theft 

Usually, your policy will cover loss of Personal Belongings of the Insured due to theft, larceny, robbery or hold up anywhere outside India during the policy period. You need to provide the following documents:

• Copy of FIR (filed with the local police authorities)

• Original bills and receipt towards purchase of the item

• Covering Letter detailing full statement of the facts of the incident

• Passport and visa copy with Entry Stamp Overseas and exit Stamp from India

  1. Medical Outpatient, Dental Services, Medical Evacuation 

Your travel insurance policy provides for you to be indemnified by the insurer for physician services, hospital, and medical services and local emergency medical transportation. More often than not, you’d need to self-pay and file the claim directly online, on your return back to India and the claim will be settled within 7 days of having received complete documents. If you don’t have enough cash on you, you can alternatively file a claim immediately.

Just remember to intimate your insurer about the incident as soon as it occurs.

Step 3 Claim Assessment:

After you raise a claim, your insurer will investigate the matter and try to settle the claim as soon as possible. If you furnished all the necessary documents, you should have nothing to worry about.

Step 4 Claim Decision:

The insurer will then communicate whether or not the claim has been approved. If you provide all required claim documents, you can avoid any delays in the claim process.

The key to successfully claim coverage under a travel insurance policy is to be prepared with all information, furnish all documentary evidence and do it in a timely fashion. If you efficiently provide all the information and documentation, your claim approval process will be seamless and swift, keeping both you and your insurer happy.

Bajaj Finserv MARKETS, from the house of Bajaj Finserv, is an exclusive online supermarket for all your personal and financial needs. We understand that every individual is different and thus when you plan to achieve your life goals or shop for the gadget of your dreams, we believe in helping you Make it Happen in a few simple clicks. Simple and fast loan application processes, seamless, hassle-free claim-settlements, no cost EMIs, 4 hours product delivery and numerous other benefits. Loans, Insurance, Investment and an exclusive EMI store, all under one roof – anytime, anywhere!

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Bajaj Finserv Direct Limited ("BFDL"), erstwhile Bajaj Financial Holdings Limited is a registered corporate agent of Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited under the IRDAI composite registration number CA0551 valid till 10-Apr-2021. BFDL also renders services to Bajaj Finance Limited (‘BFL’) and Bajaj Housing Finance Limited (‘BHFL’) (referred hereinafter as ‘Lending Partner’) in sourcing of customers, providing preliminary credit support activities, fulfilment services and post-acquisition customer services related to lending business. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522