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Claims Guide

Travel Insurance Claims, Explained Simply

From a medical emergency abroad to lost baggage or a delayed flight — here's exactly what to do, and how to get your claim settled quickly.

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Your Claim Journey

Hospitalisation Abroad, Step by Step

Save your insurer's emergency helpline number before you travel — it's the most important call you'll make.

1

Medical Emergency Occurs

Seek immediate treatment at the nearest hospital.

2

Call Emergency Helpline

Inform your travel insurer's 24x7 international helpline immediately — the number is on your policy card.

3

Cashless or Pay & Claim

The insurer may arrange direct billing with the hospital, or you pay and claim later.

4

Treatment & Documentation

Collect all medical reports, doctor's notes and bills.

5

Document Everything

Bills, prescriptions, diagnosis letter, and a copy of your passport.

6

Submit Claim Post-Return

File your claim within 30 days of returning to India.

7

Insurer Reviews & Settles

Usually within 15-20 working days of complete submission.

Be Prepared

Documents You'll Need

Hover over a card for why it's needed. Keep digital copies of everything.

Travel Insurance Policy Document

Proof of coverage

Passport (with travel dates stamped)

Proof of travel dates

Boarding Passes

To/from destination

Medical Reports, Diagnosis Letter & Doctor's Notes

Medical justification

Original Hospital Bills & Pharmacy Receipts

For settlement

Discharge Summary

Treatment summary

Claim Form

Insurer's format

Proof of Payment

Card statement / receipts

FIR / Police Report

If accident/assault related

Medical Repatriation Documents

If evacuation was done

Common Questions

Medical Emergency Claims — FAQs

Quick, straight answers to what people ask us most.

What counts as a medical emergency under travel insurance?
Sudden illness, accident, injury, or condition requiring immediate treatment abroad.
Do I need to call the insurer before going to hospital?
Call as soon as possible — most policies require intimation within 24-48 hours.
Will the insurer pay the hospital directly abroad?
Possible via their international network — call the helpline first to arrange it.
What if the hospital doesn't accept direct billing?
Pay and file a reimbursement claim — keep every original bill and receipt.
Is pre-existing condition treatment covered?
Usually not — unless specifically covered in your policy at an additional premium.
Are dental emergencies covered?
Emergency dental treatment for pain or accident is covered; routine treatment is not.
Is COVID-19 hospitalisation covered?
Most current policies cover COVID-related hospitalisation — check your policy wording.
What if I need to be flown back to India for treatment?
Medical evacuation/repatriation is covered — call the helpline and the insurer arranges it.
How soon must I submit the claim after return?
Typically within 30 days of return to India — check your policy timeline.
Is there a sub-limit on medical claims in travel insurance?
Yes — most travel policies have per-event and overall sum insured limits.
Your Claim Journey

Baggage, Delay & Cancellation Claims, Step by Step

Covers lost baggage, flight delays, trip cancellations, lost passports, and more.

1

Incident Occurs

Baggage lost, flight delayed, trip cancelled, passport lost, etc.

2

Report Immediately

Notify the airline, hotel, or relevant authority and get written proof.

3

Get Official Documentation

PIR for baggage, an airline letter for delay, or a police report for theft.

4

Document the Loss

Photos, screenshots, and booking confirmations.

5

Inform Insurer

Call the helpline or email — get a claim reference number.

6

Submit Claim

File with all documents within the stipulated days of the incident.

7

Insurer Settles

Amount credited after review — usually 7-20 working days.

Be Prepared

Documents You'll Need

Hover over a card for why it's needed. Keep digital copies of everything.

Travel Insurance Policy Document

Proof of coverage

Passport Copy with Travel Stamps

Proof of travel dates

Boarding Passes / e-Tickets

Proof of itinerary

PIR from Airline

For baggage loss

Airline Delay Certificate

For flight delay claim

Cancellation Letter / Proof

For trip cancellation

Hotel / Tour Operator Cancellation Invoice

Cancellation charges

FIR / Police Report

For theft or passport loss

Original Receipts for Emergency Purchases

If baggage delayed

Claim Form

From insurer

Common Questions

Baggage, Delay & Cancellation — FAQs

Quick, straight answers to what people ask us most.

What types of non-hospitalisation claims are covered?
Baggage loss/delay, flight delay/cancellation, passport loss, personal liability, emergency cash, and missed connection.
My baggage was delayed — what do I claim?
Emergency purchase expenses (clothes, toiletries) up to your policy limit — keep all receipts.
How soon must I report baggage loss to the airline?
Before leaving the airport — file a PIR immediately at the airline counter.
My flight was cancelled by the airline — is it covered?
Yes, if it results in trip cancellation as defined in your policy — any airline refund is deducted.
Is trip cancellation covered if I cancel voluntarily?
Only for covered reasons — illness, death in family, natural disaster — not personal choice.
What is the waiting period for flight delay claims?
Usually 6-12 hours of delay, as specified in your policy.
Can I claim for items stolen from my checked-in baggage?
Yes — file an FIR and PIR; per-article limits and overall caps apply.
Is loss of travel documents like visa or passport covered?
Yes — emergency expenses for replacement documents are covered.
What if the tour operator shuts down mid-trip?
Most policies cover insolvency of the travel supplier — check your policy inclusions.
Can I claim for mental distress or inconvenience?
No — only quantifiable financial losses as defined in the policy are claimable.

Need Help With a Travel Insurance Claim?

Whether you're stuck abroad or sorting out paperwork after returning home, our advisors can guide you through the process and follow up with the insurer on your behalf.

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