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How to Submit Health Insurance Claim
Nov 28, 2023

How to Submit Health Insurance Claim While Travelling?

Travelling can be an exhilarating experience, but unexpected health issues can quickly turn a dream trip into a nightmare. That's where travel insurance, comes to the rescue. It provides financial protection and peace of mind when you're away from home. In this blog post, we will guide you through the process of submitting a health claim while travelling.

Understanding Mediclaim Insurance

Before delving into the process of submitting a health claim while travelling, it's essential to understand what mediclaim insurance is and its significance. Mediclaim insurance is a specialised insurance policy designed to cover medical expenses incurred while travelling. It offers coverage for a range of health-related events, including accidents, illnesses, emergency medical evacuations, hospitalisation, and more. Travellers can purchase this insurance for both domestic and international trips. It can also be bought as a standalone policy or part of a comprehensive travel insurance package. Claims are subject to terms and conditions set forth under travel insurance policy.*

The Importance of Travel Insurance

Financial Protection

Medical treatments abroad can be expensive. Medical travel insurance in India ensures that you don't have to bear the full cost of healthcare services if you fall ill or get injured during your trip.

Peace of Mind

Travelling can be stressful, and unexpected health issues can exacerbate that stress. Having Mediclaim insurance provides peace of mind, knowing that you have access to medical assistance and financial support when needed.

Emergency Evacuation

In severe cases, when local healthcare facilities are insufficient, your policy may cover the cost of emergency medical evacuations to transport you to a better-equipped hospital. Claims are subject to terms and conditions set forth under travel insurance policy.*

Steps To Submit A Health Claim While Travelling

These are the steps to file a travel claim in the event of a medical emergency:

1. Report the Medical Incident Immediately

If you require medical attention while travelling, your first priority is your health. Seek medical help promptly at a local hospital or healthcare facility. If it's an emergency, call for assistance or head to the nearest hospital.

2. Inform Your Insurer

As soon as it is safe and possible to do so, notify your insurance provider about the medical incident. Share the details of your situation, including your policy number, location, and nature of the medical issue.

3. Keep All Relevant Documentation

Gather and maintain all documentation related to your medical treatment and expenses. These documents will be essential when filing your health claim. Common documents include:
  1. Medical bills and receipts for services rendered.
  2. Prescription and medication records.
  3. Admission and discharge summaries from the healthcare facility.
  4. Diagnostic reports and test results.
  5. Copies of your insurance policy and identification.
  6. Proof of payment for any medical expenses incurred.

4. Complete the Claim Form

Your insurance provider will require you to fill out a claim form to initiate the reimbursement process. This form typically requests details about the medical incident, treatments received, and expenses incurred. Ensure that you complete the form accurately and honestly. Claims are subject to terms and conditions set forth under travel insurance policy.*

5. Submit Your Claim

Once you've gathered all the necessary documentation and filled out the claim form, submit your health claim to your insurance provider. They will provide instructions on how to submit the claim, whether it's through email, fax, or an online portal.

6. Wait For The Review Process

The processing time for health claims can vary depending on your insurance provider and the complexity of your claim. Be patient and stay in contact with your insurer for updates on the status of your claim.

7. Cooperate With The Surveyor

In some instances, your insurance company may assign a surveyor to assess the validity of your claim. Be prepared to provide any additional information or documentation requested by the surveyor. Cooperation can make the process smoother for you and the insurance company.

8. Review the Settlement Offer

Once your health claim is processed, your insurance provider will send you a settlement offer. Scrutinise the offer thoroughly and check if it matches your expectations. If it does, you can accept the offer or you have the option of appealing for a better offer.


Submitting a health claim while travelling can be a complex process, but it's a crucial step in ensuring you receive the financial support you need for medical expenses incurred abroad. Medical travel insurance in India, or any other destination, provides peace of mind and financial protection when you're away from home. By following these steps and maintaining accurate documentation, you can navigate the process smoothly and access the necessary assistance and reimbursement for your medical expenses during your travels. Remember that the key to a successful claim is thorough preparation and timely communication with your insurance company.   *Standard T&C Apply 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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