Q: How long does travel insurance claim processing take?

Ans: Most claims are processed within 7 to 30 working days after submission of complete documents. Complex or high-value claims may take longer.

Q: How will I receive my claim amount?

Ans: After approval, the settlement amount is transferred securely to your registered bank account via NEFT/IMPS.

Q: Can I file a claim while travelling abroad?

Ans: Yes. You can initiate your travel insurance claim online even while overseas. In case of medical emergencies, contact the insurerâs 24/7 assistance team immediately for cashless treatment and guidance.

Q: What happens if my documents are incomplete?

Ans: Incomplete documentation may delay processing or lead to claim rejection. Our team will notify you if any additional papers are required.

Travel Insurance Claims: How to File & Get Reimbursed

Travel Insurance Plans on PolicyBazaar^#1

Individuals
Sr. Citizens
Students

Insurer Type:

Private Public

Plans for an individual of 30 years age travelling to USA for 15 days

Required Documents for Claim Settlement

Submitting complete and accurate documents is crucial to getting your claim approved quickly. Use the table below for reference:

Claim Type	Documents Required
Medical Emergencies	Hospital bills, medical reports, physician’s statements, prescriptions, diagnostic reports, discharge summary
Trip Cancellations	Proof of cancellation reason (medical certificate, employer letter, visa rejection, etc.), unused tickets, and booking confirmations
Baggage & Personal Effects	Property Irregularity Report (PIR), police report (if applicable), airline confirmation, baggage tags, purchase receipts
Flight Cancellation (By Airline)	Cancellation confirmation from the airline, unused ticket copy, booking confirmation, and refund status document
Flight Missed Connection	Airline confirmation of missed connection, original and revised boarding passes, ticket copy, itinerary
Loss of Passport	Police FIR, copy of old passport (if available), embassy letter, visa copy, travel itinerary
Personal Accident	Medical report, hospital bills, FIR (if applicable), disability certificate (if required)
Emergency Evacuation	Doctor’s recommendation, evacuation invoices, hospital reports, travel and treatment documents
Flight Delay	Airline delay confirmation, boarding pass, ticket copy, meal/hotel bills (if claimed), travel itinerary

Note: Additional documents may be requested depending on your policy terms and insurer requirements.

How to File a Travel Insurance Claim: Step-by-Step Guide

Follow these easy steps to file your travel insurance claim and get reimbursed faster:

Gather Required Documents

Collect all bills, reports, certificates, and receipts related to your claim. Keeping documents ready helps avoid unnecessary delays.

Submit Your Claim Online

Claim Review & Verification

Our claims team will verify your submission and may contact you for clarification or additional documents, if required.

Receive Your Claim Payment

Once approved, the claim amount is directly credited to your registered bank account.

Tips to Ensure a Successful Travel Insurance Claim

Raising a claim when you are going through a difficult situation may feel like a heavy task. To make it smoother, make sure to keep a few things in mind. Follow these best practices to improve approval chances and reduce processing time:

Report Incidents Immediately

Inform the insurer, airline, or local authorities as soon as the incident occurs.
Raise Claims on Time

File your claim within the deadline mentioned in your policy document.
Attach Complete Documents

Missing invoices, reports, or certificates may lead to rejection or delays.
Maintain Digital Copies

Keep scanned copies or photos of all submitted documents.
Provide Accurate Information

Ensure dates, amounts, and personal details match your supporting records.
Stay Reachable

Respond promptly if the insurer requests additional details.

Travel Insurance Claims: FAQs

Q: How long does travel insurance claim processing take?

Ans: Most claims are processed within 7 to 30 working days after submission of complete documents. Complex or high-value claims may take longer.
Q: How will I receive my claim amount?

Ans: After approval, the settlement amount is transferred securely to your registered bank account via NEFT/IMPS.
Q: Can I file a claim while travelling abroad?

Ans: Yes. You can initiate your travel insurance claim online even while overseas. In case of medical emergencies, contact the insurer’s 24/7 assistance team immediately for cashless treatment and guidance.
Q: What happens if my documents are incomplete?

Ans: Incomplete documentation may delay processing or lead to claim rejection. Our team will notify you if any additional papers are required.

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Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in