Claim Process - Oriental Insurance

  1. Intimation     
  2. Compilation/ Submission of claim file 

How to intimate travel claim with Oriental Insurance

Inform the company on immediate basis.
E-Mail
csd@orientalinsurance.co.in
Claim Helpline
1800118485
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.




List of Documents

Medical Expenses

  • Original Policy
  • Claim form to be fully completed
  • Original bills / vouchers
  • Copy of airline ticket
  • Copy of Passport

Dental Treatment

  • Bills / reports / discharge summary must mention the name of the person treated, diagnosis, details and dates of medical treatment provided.

  • All pathology / X-Ray reports, prescriptions and original bills. They must clearly show the medicines prescribed and price and the receipt stamp of the pharmacy.

  • Letter from family physician confirming all the treatment the patient received in 12 months prior to issue of date of policy (if treatment received as in patient).

Personal Accidental Death

  • Bills & reports must give details of tooth /teeth treated and treatment performed.

Checked in Baggage Loss

  • Death Certificate.

  • In case of medical reimbursements, bills / medical reports / discharge note must mention hospital/medical bills with doctor’s prescription (in original) and all pathology reports / medical report from attending doctors in original.

  • Assignee’s name with relation.

Loss of Passport

  • Property Irregularity Report issued by the carrier.

  • Proof of ownership of items valued in excess of US$ 100 purchased prior to the journey, receipt for item lost.

  • A letter from the airline stating that the baggage’ is totally lost.

  • New purchase, loss of camera, sunglasses, laptop, electronic items not payable.

Personal Liability

  • Police Report obtained within 24 hours of becoming aware of the theft.

  • Copy of old & new passports, Embassy report.

  • Receipts for the expenses incurred in obtaining new passport or travel document.

Trip Cancellation curtailment

  • Receipts of estimates for repaired or damaged items.

  • Copy / Proof of legal notice received to the insured by the third-party.

  • Copy / Proof of judicial decision rendered by a court of law.

  • Covering letter from travel agent.

  • Death certificate (in case of death) or discharge summary from the hospital clearly mentioning the admission date and discharge date along with the diagnosis.

  • Original bills along with trip cancellation.

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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