Emergency Medical Expenses, Emergency Medical Transportation and Transportation of Mortal Remains

• Hospital bills

• Receipts in Original 

• Discharge Certificate of Hospital (original) Cash Memos from the Hospital / Chemist (s) supported by proper prescription clearly showing the diagnosis or ailment Receipts and Pathological Reports

• Certificate from the attending doctor that the patient is fully recovered 

• Treatment taken on different dates for separate ailments will be treated as separate claims

• The claims form should clearly indicate the same and supporting documents should be provided for each one deductible will apply for each claim separately.

• For Transporting the Mortal Remains to the Country of Residence or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death needs to be submitted. 

• For reimbursement of extra expenses of Transportation of Insured to the Country of  Residence, a medical statement from a qualified & registered Physician indicating the cause of illness and the necessity of the transportation needs to be submitted. Medical statements from relations or spouses will not be accepted. Original bills/receipts of the expenses incurred need to be submitted also. These would be paid as per the usual and customary charges incurred for the same.

Dental Emergency Assistance

• Bills/ vouchers/ reports giving the details of the tooth treated and the treatment performed. 

• Treatment taken on different dates for separate ailments will be treated as separate claims. 

• The claims form should clearly indicate the same and supporting documents should be provided for each one. 

• Deductible will apply for each claim separately 

• Personal Accident Section Police Report, Death Certificate (if Applicable)

• Original bills/ vouchers/ reports/ discharge summary that are submitted, must mention the name of the person treated, the cause of Accident, details of the individual items of medical treatment provided and the dates of treatment. 

• Post mortem report, if applicable, shall also be submitted. 

Loss of Checked-in baggage

• Property Irregularity Report or other report usually issued by the carriers in the event of loss of Checked-in baggage will need to be submitted with the claim form along with a letter from the airline stating the compensation received from them for the lost baggage. 

• Adequate proof of value of items contained within Checked-in baggage valued in excess of US $ 100 for loss/delay of Checked-in baggage will need to be submitted.

Flight Delay

• Confirmation from the airline, clearly mentioning the scheduled arrival time and the actual arrival time and the reason for delay the flight. All the bills / receipts of reasonable additional expenses incurred shall be submitted to the Company.

Loss of Passport

• Police Report and statement of expenses for Emergency Passport / Travel Documents along with original bills submitted.

Delay Of Checked-in baggage

• Original bills of emergency items purchased, and the property Irregularity report or any other such report from the airline stating the date and time of arrival of delayed baggage.

Personal Liability

• Details of Incident and proof of judicial decision rendered by a court of law.

Aircraft Hijacking

• Proof of Travel on the Aircraft, Newspaper cutting or any other proof of Hijack of the Aircraft.

Missed Departure/Connection

• Confirmation from the airline, clearly mentioning the reason for missed departure of the flight, including personal letter by the Insured along-with the verification of the cause by the Police / Recognized Authority.

• All the bills / receipts of reasonable additional expenses incurred shall be submitted to the Company in original.