Process for making a claim on a Travel policy

1- Could you please tell me the normal process for making a claim on a health policy?
2- Do we need to make claim, while we are abroad or do we need to pay all the expenses by ourself and claim the amount back in India?

Thanks in advance!

Regards
Kunal

The claim procedure varies from country to country and therefore the insured should get in touch with the overseas claim settling agents of the insurers immediately.

The Insured should carry the policy document with him, which may be produced as evidence if necessary. The policy document also contains the full information as to how to get in touch with the claim settling agents for assistance.

Hope this help.

Quote:

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2- Do we need to make claim, while we are abroad or do we need to pay all the expenses by ourself and claim the amount back in India?

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I also have the same query. Pls advice.

Anish - It depends on the type of claim. For example - If it is medical than you need to call the TPA and they will arrange the medical facility free of cost. But if it other claims like loss of passport etc. than you need to bear the cost and file the claim back in the country with the insurance company.