Tips to Expedite Your Travel Insurance Claims
Besides notifying your Insurer or the Agent immediately, here are some procedures that will help you in ensuring a faster and more efficient claim process.
In general, most Insurers would require you to furnish the following critical documents before any claims can be processed:
1) Fully completed Travel Claim form (incomplete form may cause delay in processing)
2) Original Insurance Certificate & Proposal Form
3) Original used air ticket & boarding pass
So, it’s always to your advantage to keep all your insurance documents filed and organized.
For each type of claims, preparing the following supporting documents will help a lot in the claim process. However, each Insurer will have a different set of requirements, so it’s best that you adhere strictly to their request to avoid any delays.
Medical Expenses
a) Original Medical Bills/Invoices
b) Original Payment Receipt issued by the clinic/hospital
c) Original Medical Report/Diagnosis note duly certified by the attending Physician
Flight Delay
a) Letter from airline confirming the delay duration (in number of hours), actual departure time and reason for the delay.
Flight Misconnection
a) Letter from airline confirming the actual time of arrival at the airport of the transit point and actual departure time of the connecting flight.
b) Original receipts for hotel accommodation, restaurant meals or refreshment.
Baggage Delay
a) Property Irregularity Report
b) Letter from airline confirming the delay duration (in number of hours), the reason for the delay and their offer of compensation.
c) Original receipts for emergency purchases of essential clothing & toiletries during the delay duration.
Baggage Loss
a) Property Irregularity Report
b) Letter from airline confirming the loss and their offer of compensation
c) Original receipts for items claimed
Baggage Damage
a) Property Irregularity Report
b) Letter from airline confirming the damage and their offer of compensation
c) Photographs depicting the damage
d) Original quotation or receipt for repair
e) Original purchase receipt of the damaged luggage
Trip Cancellation & Trip Curtailment
a) Original invoice and payment receipts confirming the full amount paid
b) Tour Fare breakdown charges & travel itinerary
c) Letter from Travel agent confirming the refund amount. If nil refund, to state reason
d) If the cause of cancellation/curtailment is due to medical condition of an immediate family member, to provide Proof of relationship, e.g. birth certificate or marriage certificates. If due to death, also enclose the Death Certificate.
e) Medical Report and to provide details of all normal attending physicians.
Loss of Travel Document
a) Original receipts for additional hotel accommodation, land transportation cost & communication expenses
b) Original police report & official translated copy of the report, if report is not in English
c) Insured’s account on the exact description of the incident
d) Loss of Money
e) Original Police report obtained at the place of loss
f) Official translated police report, if report is not in English.
g) Insured’s account on the exact description of the incident