Travel Insurance Claims - Forum

Religare cashless physical card
Question
Dear Insurance desk,
Does the Religare company provide cashless physical card to meet hospitalization expenses in foreign country?
Regards,

Dr.Selvan

Answer
Dear Dr.Selvan,
It was nice talking to you regarding Religare travel insurance. As mentioned in our conversation, for travel medical insurance policies you will not get a physical card which can be used while overseas. However when the customer gets a Religare travel policy, there is a e-card provided and in the last page of the policy are the insured details and the relevant toll free numbers which the insured can use for his reference.

You can get free quotes and buy the policy online at
Religare Travel Insurance

Thank you,
NRIOL Customer support.
080-4110 1026
Claims to be paid by customer or the insurance plan
Question
Dear Insurance desk,
I am in Hungary and I have Trawelltag Cover-More insurance policy my question is this that I am sick now and I want to go to doctor so I have to pay doctor or my policy pay for it.

Thanks
Kaur

Answer
Dear Kaur,
Thank you for contacting NRIOL for your travel insurance requirements. If it just visiting a doctor and getting medical prescription, then it is an outpatient case. In such case the insured has to bear the expenses and claim for reimbursement later. However if the insured needs to be admitted in the hospital for more than 24 hours, then you need to get in touch with the assistance provider for cashless claim settlement. In both the cases there is a deductible as per policy terms and conditions.

Thank you,
NRIOL Customer support.
080-4110 1026
Document to be submitted for claims
Question
Dear Sir,
I am holding a Bajaj Allianz Insurance.

I have arrived in Prague, Czech republic on 29th August for a Conference, and due to a sudden illness had to undergo treatment at the CENTRAL MILITARY HOSPITAL in Prague. The hospital expenses incurred include
  • Shifting by Emergency medical Service
  • Three different tests (like abdomen X-ray, Ultrasonic, urine and related)
Kindly advise the documents we need to provide to place a claim under my insurance coverage.
I shall be returning to India on Saturday, 5th sept, 2015.
Hospital address:
Central Military Hospital - Military University, Prague

Thanking you,
Chakrabarti

Answer
Dear Sir,
Thank you for your email. Please find the link - Toll Free Numbers where you can find the help line numbers of Bajaj Allianz who will assist you regarding claims.
You can also visit this page claims procedure and also download claims form.

Thank you,
NRIOL Customer support.
080-4110 1026
Travel Insurance Claims for income tax benefit is not possible
Question
Hi Insurance desk,
Can I claim this travel medical insurance under income tax benefit while filing tax?

Thanks,
Ravi

Answer
Dear Mr. Ravi,
No you will not get any income tax benefit if you buy overseas travel medical insurance.

Thank you,
NRIOL Customer support.
080-4110 1026
Claiming baggage loss
Question
Dear Insurance desk,
This is Ravi and had taken TATA AIG policy from you to go to Singapore. During my return journey back to India, I didn't receive one baggage. It was delay for about 21 hours. I want claim my insurance.

Thanks,
Ravi

Answer
Dear Mr. Ravi,
Thank you for choosing NRIOL for your TATA AIG travel insurance requirements. We are sorry to inform you that you cannot claim for baggage delay benefit during the return journey back to India, this benefit is for the onward journey from India going overseas.

Thank you,
NRIOL Customer support.
080-4110 1026
Claims toll free number for Trawelltag Cover-More Insurance
Question
Dear Insurance team,
Please give me international toll free contact numbers. Also confirm cashless payment in case of emergency medical expenses for Trawelltag Cover-More insurance company?

Thanks,
R Joshi

Answer
Dear Mr. Joshi,
Thank you for your email. You can get toll free numbers at:
Trawelltag Cover-More Claims Toll Free Numbers
Hospitalization medical expenses more than 24 hours is cashless and outpatient medical expenses or medical expenses where hospitalization if for couple of hours, then in that case, the insured has to bear the cost of expenses and later on claim for reimbursement. In both outpatient and hospitalization medical expenses, there is a deductible of $100 which the insured has to bear after which the insurance company will pay the benefit as per terms and conditions of the policy.

Thank you,
NRIOL Customer support.
080-4110 1026
Payment after submitting the claim
Question
Dear NRIOL insurance desk,
As mentioned in the conversation, my hospital has submitted the claim to the insurance company please let me know when it will be paid. I have TATA AIG travel insurance policy.

Thanks
Sivan,

Answer
Dear Mr. Sivan,
It was nice talking to you a short while ago and thank you for the email. Get in touch with the toll free numbers provided in the policy document and register the claim immediately. If the claim is a cashless claim then the insurance company will directly speak to the hospital and do a direct cashless settlement after the deductible. In case if it is an outpatient claim. Then you have to bear the medical expenses and later on claim for reimbursement.
TATA AIG Logo
You can get more details of claim procedure:
TATA AIG Claims Procedure

Thank you,
NRIOL Customer support.
080-4110 1026
Claims Procedure for TATA AIG Travel Insurance to UK
Question
Hello insurance team,
My wife who is 52 years visiting UK for 5 months. I want to buy her the best plan from TATA AIG and want to know the claims procedure.

Regards,
Pallanti

Answer
Dear Sir,
Thank you for contacting NRIOL for your TATA AIG travel insurance requirements. For your wife there are 4 plans available $50,000, $100,000, $250,000 and $500,000 coverage. The premium for 5 months to UK is as below:
  • $50,000 will cost you Rs.5,827/-
  • $100,000 will cost you Rs.6,961/-
  • $250,000 will cost you Rs.9,628/-
  • $500,000 will cost you Rs.9,972/-
TATA AIG Logo
Hospitalization medical expenses more than 24 hours is cashless after the deductible of $100 and out patient medical expenses the insured has to bear the entire medical expenses from his/her pocket and then claim for reimbursement. He/she will be reimbursed after the deductible of $100 per claim.
You can get free quotes and buy the online at:
Buy TATA AIG Travel Insurance Online

Thank you,
NRIOL Customer support.
080-4110 1026
Travel Insurance Claims for Delayed and Damaged Baggage
Question
Dear NRIOL Customer support,
How to claim travel insurance for delayed and damaged baggage?

Thank you,
Ramarathnam

Answer
Dear Ramarathnam,
Thank you for your email query. Here is the information that you need.

Documents required:
  1. Claim form (Overseas Travel claim form, as attached)
  2. Property Irregularity Report (obtained from Airline)
  3. Original bills/receipts/invoices pertaining to expenses incurred/purchases made towards necessary personal effects, during the delay period
  4. Copy of the passport/Visa with Entry & exit stamp
Procedure:
  1. Obtain confirmation of the delay from the airline
  2. Claim Form can be obtained from our Service Center.
  3. Fill in the Claim Form and send all documents to our Corporate Office at the address given above.
  4. NOTE: Baggage delay in the Republic of India is not covered
Thank you,
NRIOL Customer support.
080-4110 1026
Documents for Reimbursement
Question
Dear NRIOL Customer support,
I am currently in Lyon, France for my internship and had some stomach problems last week, for which I have to consult a physician, who charged me 23 euros as the consultation fees. What document is required from his side to get the reimbursement?

Thank you,
Shikhar Makkar

Answer
Dear Shikhar,
Below is the list of documents you need to collect before you file a claim.
  1. Consultation notes/ Treating doctor notes detailing the complaint and treatment and past medical history.
  2. Investigation reports or Lab reports(If Applicable)
  3. Bills and Receipts of expenses incurred towards the treatment.
  4. Referral notes from doctors for any investigation of treatment.

Thank you,
NRIOL Customer support.
080-4110 1026
Methods for claiming medical expenses
Question
Dear NRIOL Customer support,
How to claim medical expense for insured person. is it cashless, or to be reimbursed?
Thank you,
Sukumar

Answer
Dear Sukumar,
Thank you for the email. As discussed in our conversation in TATA AIG hospitaization medical expenses for more than 24 hours is cashless after paying the deductible. You have to contact the assistance company (TPA) providing details of the insured, who will then speak with the hospital where the insured is admitted and make arrangements for cashless settlement of bills with the hospital. For outpatient medical expenses you have to pay the amount upfront and get it reimbursed on your return to India.

Thank you,
NRIOL Customer support.
080-4110 1026
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