Heading out on holiday should be a joyful and wonderful experience. But, there are a number of things that may go wrong when you’re out of the city or country. Your luggage may head off on its own adventure or you might fall ill in a country where you don’t speak the local language. Irrespective of the problems you may face, with a good travel insurance policy, you won’t have to worry about dealing with these issues alone. Your insurance provider will help you look after the cost of replacing your lost luggage or even help with the cost of your medical treatment. In order to reap the benefits of your travel plan, it’s vital that you lodge your claim correctly. Here’s a quick look at the different documents you may need:
In Case of Hospitalisation
Having to go to the hospital in a foreign country can be difficult – especially if there’s a bit of a language barrier. Once you’re at the hospital, you can let them know that you have insurance cover by showing them a copy of your policy documents – this should make things easier for you later on. While making the claim, you’d need to have:
- A copy of your policy along with the properly filled up claims form.
- All your medical reports and the discharge summary that the hospital issued.
- All hospital bills including those for hospital accommodation, medical services and nursing facilities.
In Case Checked-in Baggage Is Lost or Delayed
Lost baggage is an issue that almost everybody has had to deal with at some point in time. If your luggage were to be misplaced and you’d like to claim for it, the first thing you need to do is let the airline or baggage handlers know. Then it’s time to get your documents in order. You will need:
- A copy of your policy along with the claims form that will include details on the approximate market value of all the luggage that has been lost.
- The property irregularity report that the airline or baggage handler will issue to you.
- The voucher from the airline or baggage handler that indicates the compensation amount for the non-delivery of your checked-in baggage.
- All correspondence that you have exchanged with the authorities regarding the non-delivery of your luggage.
- In certain cases, proof of ownership documents for the articles misplaced or lost.
In Case of Lost Passport
A lost passport could leave you stranded in a foreign country. The moment you realise that your passport is missing, you need to inform the local police as well as the Indian embassy to let them know that you need their assistance. For your claim, you will also need:
- The original police report.
- Details of the attempts you have made to find or locate your passport.
- A statement of claim that details the expenses you’ve incurred to replace the passport.
- Receipt of the payment made to obtain an emergency certificate as well as a duplicate passport.
Travelling should be a fun and joyful experience, but a small mishap or accident could completely ruin your next holiday. While having travel insurance is vital, knowing how to make claims against your policy is just as important. Now that you know about the various documents required, you can easily lodge a claim as required with your insurance provider.