Travel Insurance Claims

Quick Claim Process Demo: SpeechBot I Reliance General Insurance

Ensure peace of mind on your trip by understanding our seamless travel claims process - because your journey should be filled with mesmerising experiences, not unexpected worries!

How to Register a Reliance Travel Insurance ​​Claim?

Claim Intimati​​on

Gather the R​​equired Documents for Your Travel Claim

Here is a checklist of the common and specific documents required based on the type of travel claim.

Common Documents Required for all Travel Claim Types

• Travel Claims Form - Duly filled and Signed (Refer to Download section at the right-hand side of this page)
• Original ticket/ boarding pass/ or a copy of the passport indicating travel dates
• Original bills/ reports/ vouchers as applicable

Please Note: The documents can vary based on the individual circumstances and for Inland Travel Insurance claims. Clarify all necessary requirements with us at the time of claim intimation.

Travel Insurance Claim ​Process

Travel insurance claims can be settled in the following two ways:

Cashless Claims - For medical claims

Reimbursement Claims - For all other claims, such as trip cancellation, trip delay, total loss of checked-in baggage, delay of checked-in baggage, etc.

Submit your Travel C​​laim

Now that you have initiated the claim and gathered the necessary documents, it is time to submit your claim. Review the policy terms and conditions and exclusions before submitting the claim.

Claim Examination

We will examine your claim, review your supporting documents and process the claim. In case of any further queries, we will request your support for additional documents required. Once all the requirements have been fulfilled, we will approve your travel claim.

In case of any discrepancies, we might deny your claim, stating appropriate reasons.

Claim Sett​​lement

If your claim is approved, you will receive the payments or benefits as applicable..

Common Reasons for Trav​el Insurance Claim Rejections

Providing Incorrect Or Incomplete Information

Providing incorrect or incomplete information can result in travel insurance claim rejections.

Raising Fraudulent Claims

Raising claims for incidents that actually didn’t occur or misrepresenting facts can lead to rejections.

Exclusions

Raising claims for issues that are excluded under the policy terms and conditions can result in rejections.

Delayed Claim Intimation

If you fail to intimate or delay the intimation to claim holiday insurance, the claim can get rejected.

Tips to Make Successful Travel Claims

• Read through the policy document thoroughly before registering a claim.
• Be very clear about the exclusions applicable to your travel insurance policy.
• Keep all your travel documents and related supporting documents carefully throughout your trip.
• Register to claim travel insurance as early as possible.
• Provide accurate information related to the incident.
• Report incidents such as theft immediately to the Police and get the necessary investigation reports.
• Request support from the customer service team whenever necessary.

How to Appeal a Rejected T​ravel Insurance Claim?

When you initiate the process to claim holiday insurance, and it gets rejected, or you are not satisfied with the claim benefit, you can approach the Grievance Cell.

If you are not satisfied with the grievance redressal, you can approach the nearest Ombudsman Office. Refer to the Policy Document for more details.

How to Track Your Travel Insura​​nce Claim Online?

• Step 1:Find the ‘Show My Claim Status’ section on the right-hand side of this page.
• Step 2: Enter your Policy Number or Claim Number in the space provided.
• Step 3:Click on ‘Show My Claim Status’.

Frequently Asked Questions ​​about Reliance Travel Insurance Claim

1. What happens if I don’t have all the necessary documents?

   If you don’t have the necessary documents, the claim settlement process may be delayed. Incomplete documentation, especially mandatory documents, can lead to claim rejection.

2. Within how many days should I submit all the required documents and the claim form?

   The claim documents should be submitted not later than one month after the incident, such as the completion of treatment, transportation to home, transportation of mortal remains, etc.

3. Are claim forms specific to the type of travel insurance claims?

   Yes, there is a main claim form, but specific claim forms are required for different types of travel insurance claims, such as medical claims, total loss or delay of checked-in baggage, etc.

4. Where can I get the claim forms for travel claims?

   You can access the downloads section on the top right-hand side of this page to access the different claim forms.

5. What is covered under a travel insurance policy?

   The coverage offered under a travel insurance policy can vary based on the type of policy chosen. Some of the common risks covered are as follows:

   • Medical emergency
   • Reimbursement for the Cost of Transporting the Mortal Remains of the Insured to India
   • Reimbursement of Extra Expenses for Transporting the Insured to India
   • Loss of Passport
   • Trip Cancellation or Trip Interruption
   • Missed Connection
   • Total loss of checked-in baggage
   • Delay of checked-in baggage
   • Personal accident
   • Personal liability
   • Financial Emergency Assistance
   • Home Burglary Insurance (In India when you are abroad)
6. What do you need to submit a travel insurance claim?

   The documents required vary for the different types of claims. It is detailed in the ‘Gather the Required Documents’ section above.

7. What does a travel insurance plan not cover?

   The exclusions can vary for the specific travel insurance policy offered. Therefore, read through the policy document for more information. Some of the general exclusions are as follows:

   • Incident incurred before the commencement of the travel insurance policy period
   • Pre-existing diseases
   • Medical treatment abroad if that is the sole reason for travel
   • Travel planned against the advice of a physician, is receiving or waiting to receive medical treatment or has received a terminal prognosis for a medical condition.
   • Participating in a naval, air force or military operation
   • Deductibles
   • Claims registered out of anxiety, mental illness, depression, stress, venereal disease or any loss related to HIV.
   • Illness or injury arising out of war or war-like situations.
   • Loss due to an act of terrorism
   • Consequential loss due to ionising radiation, radioactivity, nuclear attack
   • Claims arising out of sports activities
8. How long does it take to settle a travel insurance claim?

   The time taken to settle a claim depends on individual circumstances. Generally, it is settled within a time frame of 30 days but may take longer if the claim warrants an investigation.

9. When to get a travel insurance policy?

   You should get your travel insurance plan well in advance before your trip starts to cover potential risks during your journey. Moreover, it’s also important to check the insurer’s travel insurance claim settlement ratio before purchase.

10. Where can I find the list of overseas hospitals where cashless hospitalisation is applicable?

    You can find our network of empanelled hospitals overseas for cashless hospitalisation by clicking here.

11. Is it possible to get the travel claim reimbursed after I return to India?

    Yes, it is possible to claim travel insurance after returning to India. However, you must have registered the claim with us during the trip and ensure that all required documents are submitted within the stipulated time.

12. Whom should I contact in case of an emergency for a travel insurance claim?

    Call our Paid Helpline at +91 22 48903009 for Inland Travel, or 91-22-67347843/ 91-22-67347844 for International Travel Insurance while abroad and 1800 209 5522 while in India for any assistance regarding travel claims. You can also write to us at reliance@europ-assistance.in.

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