How To Avoid Rejection On Travel Insurance Claim?

Without question, international travel insurance is a blessing for tourists. When you travel abroad, you have no idea what kind of losses or medical care you could need along the way. When an emergency occurs, your travel insurance from India helps you, and the first thing you need is a smooth claim settlement. However, it is possible that the insurance provider will deny your travel insurance claim in certain situations. To prevent having your travel insurance claim denied, read the advice below.

While on vacation, a number of things can go wrong, some of which are out of our control, such as a medical emergency, a fatality, or missing luggage. A travel insurance policy in our possession might provide us with additional protection and peace of mind for vacations that do not go as planned. Here is what you need to know if you have to make a travel claim in an improbable circumstance.

Reasons for dismissing claims 

• Missing bills 

When filing a claim, it is critical that you include any relevant bills and paperwork. The proof of everything you have claimed is required by your insurance; otherwise, claims may be rejected. 

• Failure to read the fine print

Spend some time carefully reviewing the terms and circumstances before purchasing a travel insurance policy. If you don’t read it thoroughly, you risk misinterpreting the benefits and submitting a claim for something you might not be qualified for, which could result in your claim being denied. 

• Not sharing your medical history

You must accurately record your medical history in order for the proper insurance amount to be calculated. If you don’t, you risk getting back less money than you spent or having your claim completely rejected. 

• Not being informed about policy exclusions

Since each insurance may have different exclusions, one must conduct an extensive study to obtain the most appropriate insurance. While many insurance companies do not cover injuries that happen while participating in adventure sports, the majority of them do not accept traveller insurance claims for incidents that happened while under the influence of alcohol or drugs. Therefore, be sure to do your research. 

• Travelling to places with ‘travel warnings’

It’s highly likely that a travel claim you submit for an incident that happened there won’t be approved if you decide to travel to a location where a travel warning has already been issued. 

How can you prevent your claim from being rejected? 

• Don’t drink too much

It is advised to prevent intoxication while travelling because international travel insurance companies will not pay claims for incidents that occurred while under the influence of alcohol. 

• Take care of your possessions

A claim will be denied if you are shown to have been negligent by leaving your belongings unattended. 

• Understanding your policy 

Know your policy’s terms and restrictions to make a successful travel insurance claim. Thoroughly read the agreement and become familiar with its inclusions and exclusions. 

• Disclosing medical history candidly 

Before you acquire online travel insurance, it is critical that you tell your insurer everything about your medical background. All policies may not cover pre-existing condition treatments. Therefore, it’s crucial to be informed of them.

• Be thorough when filling out paperwork. 

Even the most sincere claims can occasionally be denied because of improper paperwork submission. Include any applicable invoices, receipts, or other trustworthy paperwork.

• Pre-Approved Clinic Visits 

Every travel insurance from India gives their clients a list of pre-approved clinics that they can use in an emergency. Therefore, if you need an emergency hospital stay, you should go to these facilities. If you run into any problems, you should also get in touch with customer service. However, your insurance claim can be denied if you are accepted to any clinics that are not mentioned.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.