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Posted by Royal Sundaram on 10 Apr 2017
A travel insurance works like a shield that protects you against all the hassles that can take place during your travel trip. In the panic of the moment, in a totally different place, your insurance provider acts like a friend.
In order to make use of the investment that you made in your travel insurance policy, it is important to know what it covers, and understand how to use it if need arises; because help not available in the time of need, is as good as no help.
Your Protection Cover
Listed below are the major inclusions and exclusions on most of the policies:
|What It Covers||What It Does Not Cover|
|– Overseas Health Cover
– Emergency Dental Treatment
– Emergency Evacuation
– Repatriation of Mortal Remains
– Accidental Death & Dismemberment
– Hospital Daily Allowance
– Loss/Delay of Checked-in Baggage
– Loss of Passport/Visa
– Hijack Distress Allowance
– Trip Delay
– Trip Cancellation
– Home Insurance
– Personal Liability
– Personal Accident
– Automatic Extension of the Policy
|– Pre-existing Conditions
– Act of terrorism
– Self-exposure to Needless Perils
– Travelling Against the Advice of a Physician
– Drugs/Alcohol Usage and Related Expenses
– Participation in riots
– Mental Disorder, Anxiety, Depression
– Venereal Diseases
– Sexually Transmitted Diseases
– Radiation, Nuclear Weapons Induced
– Naturopathy Treatment, Ayurvedic / Homeopathic Therapies
– Cosmetic or Plastic Surgery
These are subject to change, depending on—
- Customized Choices
- National or International Travels
- Single or Multi Trip Policy
How to Make Use of It: Claim Procedure
Here’s your five point guide to claim your travel insurance:
Ø Know your policy number and your insurance provider’s emergency contact details. Save them on your phone, write it in the diary you carry along with you and/or note it down on a paper and keep it in your wallet; keep the information handy.
Ø Note down the details of your important valuables, like model number and serial number of your laptop, which will help identify the item if it is lost or stolen.
Ø Keep photo-copies of all important travel documents as back-up reference.
Ø Photograph your items.
Ø Stolen Luggage: A police report, which proves that you reported the incidence within 24hrs.
Ø Lost: Boarding pass/baggage coupon, list of articles lost, proof of ownership of the lost articles, letter from the airlines confirming the loss of baggage and compensation made.
Ø Delayed Luggage: Bills of the money spent on replacing essential items, certificate from the airlines confirming duration of the delay.
Ø Non-emergency Treatments: Take permission from your insurance company prior to the treatment and secure the bills.
Ø Emergency Treatment: Report the incident on your company’s emergency number as soon as you can and secure the receipts.
Ø Receipts (like discharge summary, bills, reports of tests, death certificate) to be used as evidence for reimbursement should be duly signed and dated, mentioning the address where the treatment was undertaken.
Ø A police report in case of any third-party involvement.
Ø Death certificate, post mortem report and legal heir certificate in case of the insured’s unfortunate demise.
|4||Cancellation Claims||Justify your reason:
Ø Death-certificate in case of a demise.
Ø Police report in case of a burglary/theft.
Ø Official letter for office emergencies or jury service, etc.
|5||Filing Your Claim||Ø Download the claim form from your company’s website.
Ø Submit the duly-filled claim form within 30 days, along with other documents that will serve as the evidence.
Ø Submit the original copies of the evidence, but don’t forget to keep photo-copies of the same for future reference.
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