Claim Process - Universal Sompo General Insurance

  1. Intimation     
  2. Compilation/ Submission of claim file 

How to intimate travel claim with Universal Sompo General Insurance

Intimation should be done immediately to Alaram centre or Helpline numbers of the Overseas Assistance Provider
E-Mail
contactclaims@universalsompo.com
Claim Helpline
1800-224030
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:-
  • Timeline specification
  • 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.

The claim file has to be submitted at the below mentioned addresses within 30 days from the date of return to India.

The claim file has to be submitted at the below mentioned addresses within 30 days from the date of return to India.
Courier Address
Plot No - EL-94,KLS Tower, TTC Industrial Area, MIDC, Mahape, Navi Mumbai 400710.




List of Documents

  • 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 claim form.

  • The original bills and vouchers must be submitted along with all claims.

  • 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 claim form should clearly indicate the same and supporting documents 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 Republic of India 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. Medical statements from relations or spouses will not be accepted. Original bills / receipts of the expenses incurred need to be submitted. These would be paid as per the usual and customary charges incurred for the same.

  • For Reimbursement of Extra Expenses of Your transportation 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 from relations or spouses will not be accepted. Original bills / receipts of the expenses incurred need to be submitted. These would be paid as per the usual and customary charges incurred for the same.

  • In case of Loss of Checked-In Baggage, a 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 claims form. A letter from the airline will also need to be submitted stating the compensation received from them for the lost baggage.

  • 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.

  • 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 needs to be submitted in case Delay of Checked-In Baggage delay claims.

  • For loss of Passport, a Police Report obtained within 24 hours of You becoming aware of the theft needs to be submitted. Along with this, bills / receipts of expenses incurred in obtaining a new / fresh passport needs to be submitted.

  • For Financial Emergency, the original police report filed within 24 hours of becoming aware of the theft, pilferage, robbery, and dacoity needs to be submitted.

  • For any claim under Hijacking, the incident should be confirmed by the police. The police report should be submitted along with the claim form should contain the details such as the name and passport number of the insured, period of hijacking and details of the hijacking.

  • For Personal Liability, proof of judicial decision rendered by a court of law needs to be submitted.

  • For Personal Accident, 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.

  • For claims under Trip Cancellation and Interruption the following documents need to be furnished;

  • Medical reports and doctors statement if trip is cancelled or interrupted due to medical reasons.

  • If due to employment reason, then termination letter from the company shall be submitted.

  •  If due to other insured events, police report confirming the incident shall be submitted.

  • In case the cancellation or interruption is owing to the sickness, injury or death of a traveling companion, Your original tickets and those of the traveling companion indicating travel to the same destination for the same dates. It should contain the Passport number of the Insured and Period. All the bills / receipts of reasonable additional expenses incurred and/or proof of cancellation charges levied by the carriers shall be submitted.

  • For claims under travel delay the following documents need to be furnished, Medical reports and doctors' statement, or police report confirming the incident causing the trip delay.

  • In case the delay is owing to the sickness, injury or death of a travelling companion, Your Original tickets and the travelling companion indicating travel to the same destination for the same dates. It should contain the Passport number of the Insured and Period. All Bills / receipts of reasonable additional expenses incurred should also be attached

  • For claims under Missed Connection the following documents need to be submitted i.e. confirmation from the airline, clearly mentioning the scheduled arrival time and the actual arrival time. The reason for delay in the flight also needs to be mentioned. All the bills / receipts of reasonable additional expenses incurred shall be submitted to Us.

  • If We or the Overseas Assistance Provider request that bills/vouchers in a foreign language be accompanied by an appropriate translation then the costs of such translation must be borne by You.

  • Claim documents to be submitted in event of a claim under Burglary(Home contents) coverage.

  • First Information Report

  • Panchnama

  • Investigation Report by the Police

  • Estimate and final bills of repairs if any, required on damaged property

  • Invoices of owned articles, where called for by Us

  • Legal opinion wherever required.

  • We shall condone delay on merit for delayed claims where the delay is proved to be beyond Your control

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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