Benefit Claimed under the Travel Policy |
Documents to be Submitted |
Process |
Accident & Sickness Medical Expenses** (Outside India) – Cashless Treatment while abroad |
- If required by the attending physician, the insured may require to submit earlier medical reports for pre ex determination including Family Doctor’s (in India) contact details
- Deductible + Payment over and above Sum Insured (if any)
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- 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
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Accident & Sickness Medical Expenses** (Outside India) – Reimbursement of Expenses in India |
- Overseas Travel Claim Form
- Attending/Treating Doctor’s report
- Medical Treatment Documents from the hospital confirming diagnosis & line of treatment
- Original Admission / Discharge card/summary
- Original Bills/Receipts/Prescriptions for Treatment sought
- Other Supporting documents like X-ray reports/Pathological/Investigative reports, if available
- Copy of passport/Visa/tickets with Entry & exit stamp
- KYC Documents is required
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- 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
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Sickness Dental Relief |
- Overseas Travel Claim Form
- Attending/Treating Doctor’s report
- Medical Treatment Documents from the hospital confirming diagnosis & line of treatment
- Original Admission / Discharge card/summary
- Original Bills/Receipts/Prescriptions for Treatment sought
- Other Supporting documents like X-ray reports/Pathological/Investigative reports, if available
- Copy of passport/Visa/tickets with Entry & exit stamp
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- 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
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Accidental Death & Dismemberment |
Accidental Death
- Personal Accident section in the claim Form (Part of Travel Claim form)
- Original Death Certificate
- Original/ Attested Coroner’s Post Mortem Report
- Attested copy of FIR/ Police Inquest report, if applicable
- Copy of Passport/visa duly stamped
For Accidental Dismemberment
- Personal Accident section in the claim Form (Part of Travel Claim form)
- Medical / Lab reports (x-ray , scans etc.)
- Admission/ Discharge Summary, if hospitalized
- Attested copy of FIR/ Police Inquest report, if applicable
- Copy of Passport/visa
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- Insured should remember to collect receipts/invoices for all payments made for treatment abroad in case of Accidental Disbursement
- 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
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Emergency Medical Evacuation |
- Overseas Travel Claim Form
- Attending/Treating Doctor’s report
- Medical Treatment Documents from the hospital confirming diagnosis & line of treatment with Original Admission / Discharge summary
- Original Bills/Receipts/Prescriptions for Treatment sought
- Other Supporting documents like X-ray reports/Pathological/Investigative reports, Air Tickets, Hotel Vouchers if available
- Copy of passport/Visa/tickets with Entry & exit stamp
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- 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
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Repatriation of Mortal Remains |
- Overseas Travel Claim Form
- Hospital Admission/Discharge Summary, if insured was hospitalized
- Hospital Medical Records / Investigative Coroner’s Post Mortem Reports
- Death Certificate (and Embalming certificate is embalming carried out)
- Funeral Certificate along with original bills/receipt towards funeral expenses.
- Copy of Passport/Visa
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- 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
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Loss of Passport |
- Overseas Travel Claim form
- Copy of New Temporary Passport issued abroad
- Copy of previous passport (if available)
- Original bills/invoices of expenses (like taxi fare, phone call charges) incurred for obtaining a new passport
- Copy of FIR/ Police Report
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- File a complaint with the local police giving the facts of the case
- The Mission/Post of the country being visited will issue an “Emergency Certificate” for the rest of the insured’s trip/return to India
- Contact Indian Embassy is any support is required
- Submit all documents to Claims office of the insurer in India along with a detailed statement.
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Baggage Loss NOTE: Damage to the luggage or partial loss of its contents are not covered under the policy
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- Overseas Travel Claim Form
- Property Irregularity Report (PIR) (obtained from Airline/Rail/Common Carrier)
- Copies of any Correspondence with the Common Carrier Authorities regarding the loss and details of compensation.
- Declaration of list of items in each baggage with approximate cost of each item (Purchase Invoices of the item if available)
- Copy of the Passport/Visa
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- Intimate the Airline / Rail / Common Carrier about the los, lodge a complaint and obtain the PIR report.
- 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
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Delay of Baggage NOTE: Baggage delay while coming back to India is not covered |
- Overseas Travel Claim Form
- Property Irregularity Report (PIR) (obtained from Airline/Rail/Common Carrier)
- Copies of any Correspondence with the Common Carrier Authorities regarding the loss and details of compensation.
- Original Bills / Receipts pertaining to expenses incurred/purchases made abroad towards necessary personal effects, during the period till the baggages are delivered
- Copy of the Passport/Visa
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- Intimate the Airline / Rail / Common Carrier about the loss, lodge a complaint and obtain the PIR report.
- 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
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Trip Cancellation / Curtailment
(Kindly note that Trip Curtailment pertains to a trip that has already commenced and the insured is abroad and forced to cancel/curtail their trip due to a covered emergency)
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- Overseas Travel Claim Form
- Medical Reports / Death certificate of insured, travelling companion or immediate family member resulting in the trip being cancelled
- Supporting Documents of refund received from Common Carrier (Airline/Hotel/Rail etc) and Hotel
- Copy of Correspondence with the Common Carrier /Hotel relating to the trip and seeking the refund as applicable
- Copy of Passport / Visa
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- Intimate the Airline / Rail / Common Carrier about the trip being cancelled and seek refund for booked 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
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Personal Liability |
- Overseas Travel Claim Form
- Insured needs to submit a Detailed statement of the facts in writing along with Witness statements regarding the incident leading to the Liability claims
- Any legal documents following the incident including Court Summons, Legal Notice etc.
- Copy of Passport / Visa
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- Insured should register the claim with the TPA/Assistance company abroad providing Travel insurance certificate details and facts of the case
- Insurance company will coordinate with the the TPA/Assistance Company / Legal teams for providing Legal assistance to the insured
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Loss of Travel Documents (other than Passport) |
- Overseas Travel Claim Form
- Copy of duplicate / new travel ticket or visa or foreign exchange
- Original bills/invoices of expenses incurred for obtaining a duplicate / new travel document.
- Copy of Passport / Visa
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- 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
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Loss of International Driving License
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- Overseas Travel Claim Form
- Copy of duplicate/new international driving License
- Copy of previous License (if available)
- Original bills/invoices of expenses incurred for obtaining a New Driving License
- Copy of FIR/ Police Report
- Copy of Passport / Visa
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- 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
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Missed Connection |
- Overseas Travel Claim Form
- Original Bills/Receipts of purchases made / Expenses incurred (abroad) during the period of delay
- Copy of Airline Ticket & Boarding Pass
- Any documentary support from the airline / Government agencies certifying the Missed Connection
- Copy of Passport / Visa
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- 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
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Bounced bookings of Hotel and Airline |
- Overseas Travel claim form
- Correspondence with airline or Hotel for advance booking and Booking confirmation received from the respective companies
- Original bills and receipts of the ticket
- Copy of Ticket & Boarding Pass and Hotel Confirmation voucher
- Copy of Passport / Visa
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- 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 day
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Home Secure / Home Content Insurance / Home Burglary
(Please note that this cover is available for the insured’s residential premises in India, while the insured is travelling abroad) |
- Overseas Travel Claim Form
- Detailed write-up on the Incident highlighting the facts of the case
- Copy of FIR or Panchanama filed with the authorities
- Declaration of the Estimated Loss certified by Police based on their investigation
- Any other documents to support the loss like news paper cutting etc. if any
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- 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
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Loss of Personal Effects
(All baggages other than check-in baggage in the custody of the Common Carrier)
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- Overseas Travel Claim Form
- Copy of FIR/Police Report (Stating the loss of items and a declaration of the approximate value of the same
- Written confirmation from Common Carrier or Hotel Authorities if such a loss has occurred on the Common Carrier / Hotel
- Invoices / Bills of Itemized items lost as declared in the FIR with the police authorities
- Copy of the Passport/Visa
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- 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
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Trip Delay |
- Overseas Travel Claim Form
- Original Bills/Receipts of purchases made / Expenses incurred (abroad) during the period of delay
- Copy of Airline Ticket & Boarding Pass
- Any documentary support from the airline / Government agencies certifying the Trip/Flight Delay
- Copy of Passport / Visa
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- 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
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Hijack |
- Overseas Travel Claim Form
- Full statement of the events in writing, supported by any press articles covering the incident
- Any email correspondence with the Common Carrier along with copy of Passenger List etc
- Copy of ticket/ Boarding Pass
- Copy of Passport/ Visa
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- 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
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Below are some benefits under the Student Travel Insurance Plans of various insurance companies |
Compassionate Visit |
- Overseas Travel claim Form
- Medical records for the hospitalization of insured/ immediate family members for more than 5/7 days in India and abroad that has triggered the claim under this benefit
- Copy of Air Ticket & Boarding Pass / Hotel Stay vouchers for the insured / family member depending on who has been hospitalized
- Copy of Passport / Visa
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- 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
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Study Interruption |
- Overseas Travel Claim Form
- Medical records for the hospitalization of insured/ immediate family members/ death certificate.
- Invoice/ receipts of the Tuition fee paid in advance to the University / College and the refund Terms and conditions
- Letter from Academic Institution confirming the interruption and the follow up action that was taken
- Copy of Passport/visa.
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- 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
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