How to claim for Travel Insurance Online?

A lot of us, who actually do recognize and appreciate the value of travel insurance plan in our travel itinerary, are somehow discouraged by the idea of cumbersome and backbreaking claim settlement process of many a companies. As much as we would like a hassle-free, easy claim filling process, we are oftentimes bowled over by a lengthy and seemingly unending procedure to claim our sum insured. But thanks to the technology, many of our travel blues now stand sorted given the easy and quick access to all the major insurance providers online. 

The relevant procedure 

Here under we explain the procedure to claim for travel insurance online: 

• You start by filling out your insurer's claim form online. You'd readily find them on their websites.
• Make sure the emergency that you're claiming cover for from your insurance company is covered under the contract. You cannot file claim for just any reason under the sun.
• The form requires you to give all the details of your policy and your emergency.
• They would also need you to attach all the documentation, for instance hospital bills, etc, to the form as proof of the fact that you actually were caught in an emergency.
• Remember to give them as many details of your problem as possible. The more transparent your situation, the easier it will be for the insurer to indemnify you.
• You can fax the form and all the documentation to the insurer's address mentioned on their website.
• They should contact you soon afterwards. In case they don't, you can reach them on any of their toll free numbers mentioned online. 

Different companies differ in their exact procedure of procuring claims. For instance, bajaj allianz travel insurance company, in case of inpatient hospitalization, contacts the hospital immediately for direct billing upon intimation by the insured or his closed ones. For example, in Bajaj Allianz itself, for the Travel Companion plan, the company requires the insured to pay he upfront amount themselves and claim the later payments from them by applying for reimbursement along with the relevant documents. Whereas, in the case of the Travel Elite plan, it pays for all the expenses greater than $500 directly to the hospital.

 So now you know that the claim settlement process of companies is not as problematic and annoying as it once used to be. However, you must also know your policy - the contract that you sign up for really well. Don't leave that fine print at the back of your policy documents unread for it alone can determine whether you qualify for claim for a said reason or not, and also the extent of the claim covered by your contract. There are different types of travel insurance plans out there, each with the specific claim settlement procedure of their own. 

Know the different kinds of insurance policies in the market 

• Single Trip Travel Insurance
• Annual Multi Trip Travel Insurance
• Worldwide Travel insurance
• Winter Sport Travel Insurance
• Family Travel Insurance
• Group Travel Insurance
• Senior Citizen/Over 65s Travel Insurance 

The above plan names' themselves are very suggestive of the kind of situation they cover. You need to be very careful with your particular choice. Understand your needs, know the company that you're going to be dealing with, its different procedures, its track record till date and read your policy documents very carefully before applying with any provider. Also, the claim filling process is no longer the nightmare it used to be. So there's no reason left really for you to hold yourself back when thinking of securing your travels. Good luck!