Health Emergencies Abroad: How To Claim Your Travel Insurance

Travelling to foreign countries opens up a world of excitement and adventure and exposes travellers to unforeseen risks. A comprehensive travel insurance policy is essential, providing peace of mind and financial security. Among its crucial components is the cashless claim procedure, streamlining reimbursement for medical costs incurred while abroad.

Why Travel Insurance Is Essential For Overseas Travel

  • Medical Emergencies: Travel insurance ensures that necessary medical care is received without the burden of hefty bills for unforeseen medical expenses.
  • Abrupt Diversions: In cases of trip cancellations or shortening due to unexpected circumstances like illness or family emergencies, travel insurance reimburses non-refundable travel expenses.
  • Baggage Loss: Compensating for misplaced, stolen, or delayed baggage, travel insurance helps replace necessary items.
  • Postponements In Travel: Covering costs associated with missed connections, delayed flights, and other travel-related issues, travel insurance acts as a financial safety net.

Cashless Treatment: A Seamless Process

Select A Hospital Network:

Before departing, consult your travel insurance provider to identify hospitals or healthcare providers in their network. These network facilities offer cashless treatment, minimising out-of-pocket costs.

Look For Medical Care:

In the event of illness or an emergency, visit a network hospital or healthcare provider. Inform the network hospital staff about your international travel insurance and your preference for cashless care.

Show Your Insurance Card:

Upon admission, provide your insurance card or policy details to the network hospital’s billing department. This initiates the cashless claim procedure involving a third-party administrator (TPA) as your insurance company’s representative.

Request Pre-Authorisation:

Through the TPA, the network hospital contacts the insurance provider for pre-authorisation. This involves detailing your illness, proposed treatment, and associated costs.

Confirmation And Authorisation:

The insurance company reviews the pre-authorisation request for accuracy. Once authorised, the network hospital is notified, allowing you to commence treatment without upfront payments.

Medical Care And Accommodation:

With the insurance company paying the network hospital directly, you don’t need to worry about covering medical expenses. Communication between the network hospital and the insurance provider ensures a smooth cashless claim process during your stay.

Settlement Following Treatment:

After your release from the network hospital, the insurance company will directly settle the medical bills. You are relieved from the responsibility of covering the covered medical costs.

International travel insurance is an indispensable companion for international travel, offering security and comfort in unforeseen circumstances. The cashless treatment process simplifies overseas medical care, allowing travellers to focus on their health without financial worries. Claims are subject to terms and conditions set forth under the travel insurance policy. *

If, by chance, you only decide to travel locally within your country, you can choose the ideal domestic travel insurance to keep you safe on your journey. Before embarking on their study abroad adventure, students should consider obtaining comprehensive student travel insurance to ensure financial protection and peace of mind in unforeseen events. Claims are subject to terms and conditions set forth under the travel insurance policy. *

With the right policy and a thorough understanding of the process, travellers can confidently explore, knowing they have reliable financial support in case of medical emergencies abroad.

*Standard T&C Apply

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

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.

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