Process of Claim

Claim Process

Oriental Insurance

Instant Help With Emergency Claim

For any emergency claim call us on 8659986599

Steps

Navigating Claims Made Simple: Your Guide to a Hassle-Free Process.

  1. Intimation     
  2. Compilation/ Submission of claim file 

Intimate claim process

How to intimate travel claim with Oriental Insurance

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

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

Types of Claims

How to intimate health claim with Bajaj Allianz General Insurance

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

1
The treatment is to be intimated with respective service providers within prescribed timelines.
2
All prescriptions, investigation reports & medicine bills are to be kept handy.
3
The claim file is to be prepared with ref to check list & to be submitted upon return to India.
4
Duly filled claim forms along with all necessary documents are to be submitted within prescribed timelines.
5
Insurer will inform about any deficiency within 7 days.
6
Post receiving of all required info, the claim will be processed within 30 days.
7
If the claim is approved, amount will be transferred within 30 days.
8
If the claim is rejected, letter with details are to be shared with Insured.
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