What is the travel insurance claims process?

In order to further meet the strong needs of tourists, many insurance companies have actively launched various travel insurance. However, many tourists do not know what the travel insurance claims process is after purchasing travel insurance. I will answer it in detail below. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

1. Travel insurance claims process

Nowadays, it is very convenient to purchase travel insurance. Many tourists buy insurance by themselves through agents or over the phone. In this case, once an accident occurs or is hospitalized due to illness in other places, the insured should receive treatment in the local public hospital at or above the county level in accordance with the requirements of the insurance terms.

At the same time, the policy holder must report the case to the insurance company within the specified period, either through a salesperson, or directly calling the insurance company’s customer service number or sending a fax. If the stipulated period is exceeded, the policyholder must bear the insurance company's survey, inspection and other expenses caused by the delay.

If you need to transfer to a hospital for medical treatment, remember to ask the original hospital to issue a written certificate of transfer and inform the insurance company. After the treatment, the policy holder can bring the hospitalization medical receipt and other materials to the insurance company to handle the claim. If the policy holder has difficulty moving, he or she can entrust someone else to handle it on his or her behalf.

In addition, hospitalization medical claims must be handled with the hospitalization medical receipt, hospitalization summary and other materials. In some cases, the hospital does not issue inpatient medical receipts for treatment, such as observation room, home bed and hanging bed treatment. In this case, the insurance company will not be able to provide inpatient medical claims according to the terms. It is best for customers to give it consideration to avoid not getting the compensation they deserve.

2. What materials need to be submitted during the travel insurance claim process

1. "Claim Application"; 2. The beneficiary's household registration certificate or identity certificate; 3. The insured's Household registration certificate or identity certificate; 4. Disability degree appraisal certificate issued by a disability appraisal institution recognized by the insurer; 5. Medical certificate and original medical expense certificate issued by a hospital or other medical institution recognized by the company; 6. The insured’s Other certificates and information that can be provided to confirm the nature, cause, extent of injury, etc. of the insured accident; 7. Death certificate of the insured issued by the public security department or a medical institution recognized by the insurer; 8. If the insured is declared dead, The beneficiary must provide a death certificate issued by the court; 9. The insured's household registration cancellation certificate; 10. Other certificates and information that the beneficiary can provide to confirm the nature and cause of the insured accident.

3. Things to note in the travel insurance claims process (taking overseas travel insurance as an example)

Submission of the insurance policy. The travel insurance application form is a very important piece of information that must be submitted when making a claim. When making a claim, you must check the policy number, personal information, validity period, travel destination and signature on the form one by one. Regarding the differences and claims between critical illness insurance, accident insurance, accident insurance and life insurance, I have just compiled relevant content. I hope it will be helpful to you: Detailed introduction to critical illness insurance, medical insurance, accident insurance and life insurance! Claims Guide

Medical Records. When making a claim for overseas travel insurance, medical records are an important piece of information that must be provided. In foreign countries, if there is no medical record, there will be relevant diagnostic certificates.

Receipt. Receipts are the most important part of travel insurance claim information. Only after payment is made, the hospital will issue relevant receipts to customers. It should also be noted that before submitting claim information, be sure to verify whether the receipt is the original.

Illness claims. Overseas travel insurance can also pay for outpatient expenses. However, there are certain restrictions on the definition of disease. (The disease) must first occur abroad. This should be paid attention to when handling travel insurance claims.

Baoge Tips: From the above, it can be seen that the travel insurance claims process includes timely reporting, insurance company investigation, hospitalization summary, etc., and tourists also need to provide a "Claim Application Form", proof of identity, and original medical expenses Vouchers and other information.