If Your Insurance Claim is Denied, you can file an appeal against the insurance company, here is the procedure how you can do that - Initial Steps 1- First get written claim denials letter from insurance company. 2- Check your policy documents, whether the claim was … [Read more...] about How to file an Appeal against Insurance Claim Denial?
Look online Check online price comparing websites. You're likely to get the best rates by purchasing cover on the internet. Be open about your health Declare any information that could lead to a travel insurance claim, especially any pre-existing medical conditions … [Read more...] about Top Six Travel Insurance buying tips
Pre-existing Medical Condition (or “pre-existing condition”) means any medical condition or any related condition (e.g. illnesses, symptoms, treatments, pains and surgery) that have arisen at some point prior to the commencement of this coverage, irrespective of whether any … [Read more...] about What is a Pre-existing Medical Condition?
All travelers must have a travel insurance policy in place with sufficient cover, but most of the time we think that which policy we should buy - Annual or Single Trip Travel Insurance? Annual Multi Trip Travel Insurance If you are doing travelling more than two or three … [Read more...] about Annual or Single Trip Travel Insurance – Which one should I buy?
Policy Coverage Always check your policy document so you know what’s covered and what’s not, and be sure to declare any pre-existing conditions beforehand in proposal form. Take photocopies of Important Documents Take photocopies of important documents, such as your … [Read more...] about Travel Insurance – If something goes wrong on holiday, what should you do?
Until 9/11, most standard insurance policies used to provide protection against the risk of terrorism automatically. However, after September 11, 2001, premiums for terrorism coverage have increased. In India, effective from 1st April 2002, terrorism was made a separate add-on … [Read more...] about Does my insurance policy cover Terrorism?
Insurance policies can be modified by using a term called endorsing a policy. A policy endorsement can be done to modify coverage’s, add or delete insured items from a policy and modifies a current policy without completely rewriting it. When an insurance policy is endorsed the … [Read more...] about What is an “Endorsement”?
What is an ‘Excess’? An excess is the amount of expenses that must be paid out of pocket before an insurer will cover any expenses, if you decide to claim on your policy. If you claim on your policy your insurance company will be paying you out, so basically it's a way of them … [Read more...] about What is 'Excess' or 'Deductible'?
What is IGMS? The Integrated Grievance Management System(IGMS) facilitates online registration of policyholders’ complaints and helps track their status. How do you use IGMS? A policyholder can make optimum use of this system by giving accurate information about the … [Read more...] about File your insurance complaints online with IRDA’s IGMS
A large number of foreign travellers, who book their holiday through a travel agent, often choose the policy offered by the travel agent for convenience or because they assume the great deal they just got on their package holiday will be replicated with the travel insurance too. … [Read more...] about Why not to buy travel insurance from travel agents?