Imagine you’re enjoying gelato on the streets of Rome, capturing sunsets in Santorini, or hiking through the breathtaking Swiss Alps until a sudden illness or misplaced checked-in luggage disrupts your travel plans. That’s when your international trip insurance becomes more than just a formality. It turns into your shield, your safety net, and your partner abroad.
But what good is an insurance policy if you don’t know how to use it when it matters the most?
This guide will walk you through how to file a claim for your international trip insurance, whether it’s cashless or reimbursement, step by step. And don’t worry, it’s much simpler than you think.
Step-by-Step: Filing a Cashless Claim for Overseas Medical Emergencies
When abroad, the last thing you want to deal with is paying upfront for medical expenses. Cashless claims take care of that for you, especially when the hospital bill exceeds USD 500.
Step 1: Initiate the Claim
As soon as you or your travel companion can, intimate the claim within 48 hours through email, phone, fax, or toll-free number.
This initial notification triggers the claims process and sets the ball rolling.
Step 2: Submit the Required Documents
Minimal documentation is needed to start with, usually just medical records and your travel insurance online policy number. You can upload these online for ease and speed.
Step 3: Await the Payment Guarantee Letter
Once your documents are verified and your case falls under policy coverage, the insurer will send a Payment Guarantee Letter directly to the hospital within 2 working days.
- If all is in order, the hospital will treat you without you having to pay upfront.
- If more information is needed, a query letter will be sent. Once additional documents are received, the guarantee is issued within 3 working days.
Step 4: Treatment and Claim Closure
Once treated, the insurer settles the bills directly with the hospital—no cash leaves your pocket. You’ll be notified once the claim is closed.
Note: If the claim is not admissible under the terms of your policy, you’ll receive a denial letter. You can still go ahead with the treatment and file for reimbursement later.
Step-by-Step: Filing a Reimbursement Claim for Your International Travel Insurance
Not all situations are eligible for cashless claims. For example, if your bills are below USD 500, or you receive treatment at a non-network hospital, you can still get reimbursed.
Step 1: Gather Original Documents
Be meticulous. After discharge, collect:
- Medical bills and prescriptions
- Admission/discharge summary
- Payment receipts
- Passport and visa copies
- Duly filled Overseas Travel Insurance Claim Form
- Attending Physician’s Statement (APS)
Step 2: Submit Documents to the Insurer
You can either courier them to the insurer’s address or upload them digitally. It’s safer to keep scanned copies for your records.
Step 3: Document Scrutiny
Once your documents are received:
- The insurer will verify authenticity.
- If everything’s in order, the claim will be settled via NEFT within 10 working days.
- If more information is needed, you’ll receive up to three reminders, 15 days apart.
Failing to provide the missing documents within 45 days may result in claim closure.
Quick Tip: Submit all documents as early as possible. Delays can lead to rejection, especially if the timeline lapses.
Forms You’ll Need for Filing a Claim
Depending on the type of claim, download and fill:
- Overseas Travel Insurance Claim Form
- APS (Attending Physician’s Statement)
- Country-specific ROMIF forms (UK, Australia, others)
Tips to Make Your Claim Process Smooth
- Keep all bills and prescriptions — originals are a must for reimbursement.
- Inform the insurer early — don’t wait till after you’re back.
- Use the insurer’s app — it simplifies notifications, uploads, and tracking.
- Know your coverage — understand deductibles, sub-limits, and exclusions.
- Don’t forget optional add-ons like Pre-existing Illness Cover or Trip Cancellation — these make a big difference during emergencies.
A Safety Net You Can Count On
Travel is unpredictable. But your peace of mind shouldn’t be. With a well-structured claims process and clear support systems, international trip insurance becomes more than just a travel document—it becomes your trusted companion overseas.
When you buy your travel insurance online, always check for comprehensive benefits, a large hospital network, and a smooth claims experience.
