Understand why claims are rejected and how you can avoid getting your travel insurance claims denied.


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Ways You Can Avoid Rejection on Your Travel Insurance Claim

What’s worse than landing to your dream travel destination only to know that your baggage is delayed or lost? Not just this, there are many other things like missed flights that can go wrong while on a domestic or an international trip. The situation can bundle up if the travel insurance claim gets rejected for some reason. Reasons why insurance providers reject the claim are varied – it can be because of exclusions or something as small as the wrong date of travel mentioned in the form.

So, it’s wise to stay alert and informed. To avoid rejection on your travel insurance claim, follow these steps.

• Read and Understand the Policy

What can go a long way towards ensuring that travel insurance claims are successful? Understanding and complying with the terms of insurance. Always review the inclusions and exclusions before purchasing the policy and clarify all the doubts that you may have.

• Disclose Any Pre-Existing Medical Condition(s)

One of the main reasons for travel insurance claim rejection is being dishonest about any pre-existing medical condition. By answering all the questions honestly and disclosing every small health-related detail will ensure your claims are successful. Your honesty may slightly increase the premium amount, but in the long run, it will undoubtedly be fruitful.

• Keep All the Records & Receipts Safe

The thumb rule for a successful claim is providing suitable evidence. From doctor’s certificate, police report in case of theft to travel delay confirmation, keep all the documents safe. Lack of proof for claimable events is mostly the reason behind claim rejection. Remember to ask the right authority to certify instances. For example, if your flight is delayed or cancelled, ask the carrier to certify it through email or on their letterhead – they will oblige.

• Ask About the Coverage of Adventure Sports

Travel insurance varies in terms of what sport and adventure activities they cover. Mostly, extreme sports and adventure activities are not a part of the cover. However, for an additional premium, trekking, bungee and parasailing might become a part of the cover. Claims are usually rejected for activities that are excluded in the policy. So, check what’s covered before signing up.

• Know About the Claim Window

Claim intimation should be sent to the travel insurance company within 24 hours of the incident. Further, there is generally a 15-30 days window to submit the claim after you return from the trip. Post the defined period, claims are not accepted.

• Self-Inflicted Injury & Illegal Activity

Depression, suicide, alcoholism and any engagement in criminal activities are not covered in a travel insurance plan. Claims recorded for such instances are not registered or honoured.

• Being forewarned is being forearmed!

Follow the above steps, read the insurance document carefully and take time to buy the right policy with adequate cover. We at Bharti AXA GI , believe in making your travel as hassle-free as possible. With our travel insurance policy , we aim at making your trip a pleasureful experience. So, even if you have lost the checked-in baggage or need emergency cash, we have your back.

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