Claim Process - Chola MS General Insurance

  1. Intimation
  2. Compilation/ Submission of claim file 

How to intimate travel claim with Chola MS General Insurance

Immediate contact must be done to the Alarm center of Overseas or India
E-Mail
cholamstravel@internationalsos.com
Claim Helpline
18002095533
Nearest Branch

Details required for Registration/ Intimation of Claim

To register a claim/seek assistance through the above contact points, the following information has to be provided to the customer support executive:-
  • Specification of claim
  • Address
  • Telephone number

Points to Remember

  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.
  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.
 
Courier Address
International SOS Services (India) Pvt. Ltd. No. 2B, II Floor, Lotus Tower, New Friends Colony, Community Centre New Delhi - 110063




List of Documents

  • Duly filled Claim form with the documents as indicated.
  • The original ticket / boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claims form.
  • For Medical expenses - Please attach Doctor’s reports, Original admission / discharge card, Original bills / receipts / with prescriptions and diagnostic /investigative reports, Copy of passport / visa with entry and exit stamp and copy of the ticket and boarding pass
  • Bills/vouchers/reports/discharge summary must mention the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment. Prescriptions must clearly show the medicines prescribed. /the pharmacy bills must clearly show the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/vouchers/reports must give 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 should be provided for each one. Deductible will apply for each claim separately.
  • For reimbursement of the costs of transporting the mortal remains to the India or of the costs of burial abroad, an official death certificate and a physician’s statement form 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.
  • For reimbursement of expenses of Medical Evacuation/Transportation on Insured to the Republic of India, a medical statement from a qualified & registered medical practitioner indicating the cause of illness and the necessity of the transportation needs to be submitted. Medical statements form relations or spouses will not be accepted. Original bills/ receipt 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 Treatment Expenses - Please attach Doctor’s reports, Original admission / discharge card, Original bills / receipts / with prescriptions and diagnostic /investigative reports, Copy of passport / visa with entry & exit stamp and copy of the ticket and boarding pass.
  • Total Loss of Checked-In Baggage – Please attach the details of individual items lost, approximate cost and purchase date, Copies of baggage tags, Copies of correspondence with airline authorities / others about loss of checked baggage, along with details of compensation received from airlines / other authorities (if any), Property Irregularity Report (obtained from airline), Copy of the passport / visa with entry & exit stamp, Adequate proof of ownership of items contained within checked-in-baggage valued in excess of the Indian rupee equivalent of US $ 100 for loss/delay of checked-in-baggage will need to be submitted.
  • Delay of Checked-in Baggage – Please attach the details of items purchased during the delay period, Copies of baggage tags, Copies of correspondence with airline authorities certifying the delay, along with details of compensation received from airlines / other authorities (if any), Property Irregularity Report (obtained from airline), Original bills / receipts / invoices connected to expenses incurred / purchases made during the delay period, Copy of the passport / visa with entry & exit stamp.
  • Loss of Passport – Please attach Copy of new passport, Copy of previous passport (if available), Original bills / invoices of expenses incurred for obtaining a new passport, Copy of FIR / police report.
  • Loss of International Driving License – Please attach Copy of new International Driving License, Copy of previous International Driving License (if available), Original bills / invoices of expenses incurred for obtaining a new International Driving License, Copy of FIR / police report.
  • Personal Accident – Overseas: Please attach Police report, Port Mortem Report, Death certificate, Medical report in the enclosed format, Certificate from treating Doctor for Permanent Disability.
  • Personal Liability – Please attach the Judgment of the Court
  • Financial Emergency – Please attach the Police report

Process of Claim

01
The treatment is to be intimated with respective service providers within prescribed timelines.
02
All prescriptions, investigation reports & medicine bills are to be kept handy.
03
The claim file is to be prepared with ref to check list & to be submitted upon return to India.
06
Duly filled claim forms along with all necessary documents are to be submitted within prescribed timelines.
05
Insurer will inform about any deficiency within 7 days.
04
Post receiving of all required info, the claim will be processed within 30 days.
07
If the claim is approved, amount will be transferred within 30 days.
08
If the claim is rejected, letter with details are to be shared with Insured.
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