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Does Baggage delay benefit is covered during the return journey?
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No, baggage delay during return journey is not covered.
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Does the policy covers Checked out baggage loss benefit during forward and return journey?
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No, checked out baggage loss during forward and return journey is not covered under the policy
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What do I do if I meet with an accident or sickness abroad?
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Contact the TOLL FREE NUMBERS printed on the face of your certificate
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If I make the payment at the hospital will I get a reimbursement?
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Yes,you will get reimbursement if you make the payment at the hospital (In India, You will get in Indian Rupees).
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Do I necessarily have to contact the assistance company in case of an emergency?
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Yes, it is necessary that you call the assistance company before taking any action.
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What are the Circumstances under which a Request for Cashless Hospitalization can be denied?
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If the information contained in the request is insufficient for AIG IS/ISOS to arrive at a decision and the same is not available for any reason.
The ailment for which hospitalization sought is not covered under the terms and conditions of your travel insurance policy.
The treatment is for a pre existing condition
The claim amount exceeds the policy limits for a particular claim
Hospitalization can be of two types:
Planned Hospitalization:
This happens when you have ample time to plan your admission to the hospital. For example, if the doctor advises surgery and says that you can undergo the surgery anytime in this month, it gives you time to plan you surgery.
In such cases, it is prudent to send the preauthorization request to AIG IS/ISOS at least 72 hours before your planned admission. This will ensure a hassle-free admission procedure for you at the hospital.
Emergency Hospitalization:
This happens typically in case of emergencies such as a road traffic accident. There is no planning involved in the hospitalization. In such situations, the Authentication Certificate can be shown at the hospital to avail cashless admission facility. The preauthorization/claim intimation request can be sent to AIG IS/ISOS within four hours after admission.
It is therefore prudent that every insured individual should carry their Travel Insurance Policy Certificate with them at all times. You can never predict an emergency !
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What about Claims relating to Travel Emergencies?
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For claims relating to Baggage Loss/Delay, Passport Loss, Trip Delay please keep necessary proofs of documents relating to this incidence as well as bills for expenses incurred as a direct result of the said incident. For e.g. For Passport Loss, documents such as Police FIR, Duplicate passport issuance charges, other incidental expenses can be claimed under this head provide bills for the same are available .
Once all bills are available, submit the same to the assistance company along with the claim form for a reimbursement. The list of documents to be submitted for all travel emergency claims are also available on the intranet site
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