Yesterday I was chatting with my friend who just returned from Europe, he told me about the flight delay he experienced and how he benefited from his travel insurance claim, here I try to share the steps I learned.
So how to make a travel insurance claim? The way to claim travel insurance is to fill out a claim form and then submit it along with supporting documents to the insurance company, after which the claim money will usually be disbursed within 14 days.
Claims can be reported via email and telephone, but physical documents must still be sent to the insurance company.
In order for the claim process to be fast and approved, make sure the claim form is filled out completely and all supporting documents are complete and in accordance with the requirements of the insurance company.
4 Tips for a successful travel insurance claim
Travel insurance claims are not common, most people are not familiar with claim best practices because this is not a daily activity, most people or MAXBET agent have never claimed for a lifetime travel insurance.
So what are some travel insurance claim tips to make it work? Here are some effective tips that will ensure your claim is successful:
Tip #1 Take care of the documents you need right away, don’t delay
Travel insurance claims can be divided into two, large expense claims such as hospitalization costs and small expense claims such as flight delay claims, late arrival baggage and others.
Many people are half-hearted when handling small expense claims, as a result they tend to delay getting the required claim documents.
For example, when your plane is delayed or your baggage is left behind, don’t leave the airport and head to the hotel, you should stay at the airport and take the time to reread your travel insurance policy.
Check what claim documents are needed to claim flight delay benefits.
It takes a lot of time and energy to go back to the scene and take care of claim documents, especially if you are in a foreign country, there must be a sense of reluctance and hesitation.
Bonus tip #1: save your insurance company’s contact details and your travel insurance policy details in your cellphone’s phone book so that you can access them immediately when you need them.
Bonus tip #2: Bring your travel insurance policy when traveling so you can see if you need it, now travel insurance policies are widely available in soft copy versions so they are easy to carry.
Tip #2 Submit a claim in the country of occurrence, don’t wait to go home and then claim
There are 2 advantages if you file a claim in the country of occurrence, namely:
You are still in the destination country, so if it turns out that your claim documents are incomplete then you can be easier to manage and complete than if you take care of the documents when you are back in Indonesia.
The benefit payment process will run earlier so that the replacement funds will come out earlier as well.
Tip #3 Get documents with letterhead, company stamp and signature and wet full name (not digital signature)
Whatever benefit claim you submit, always try to ensure that your claim document is of high quality with company letterhead, company stamp, signature and wet full name.
If you request an airline certificate regarding flight delays, ask for a delay certificate printed using the airline’s official letterhead, with the airline’s stamp and signature and full name of the airline representative.
While on the invoice document and hospital receipt, ask for the document to be printed on hospital letterhead complete with a hospital wet stamp and the signature and full name of the doctor who treats you.
Read too : 5 Mistakes When Buying Travel Insurance
Tip #4 A quality document always contains 3 pieces of information: your data, data from the informant and detailed incident data
Each institution has a different draft format for their formal documents, but all good institutions must have standard documents that contain your information as a customer, their information as a service provider / product owner and information on the incident or purpose of the document.
For example, in every hospital invoice, there will be information on the name and address of the hospital, there will also be information on the name and address of the patient and there will be information on drugs and doctor services that have been used by the patient and must be paid to the hospital.