It is that time of the year when everyone seeks a respite from one’s monotonous life. Many people choose to travel in order to unwind and relax and feel rejuvenated in the wake of yet another new year. In India, an increasing number of travelers are now planning overseas trips. However, international trips entail a lot of risks. To cover such risks travelers ought to go for a foreign travel insurance policy. In time of any emergency, travelers can make claims on their international travel insurance policies. However, many overseas travel insurance claims get rejected. This is why you need to follow some easy steps when you buy travel insurance online in order to avoid claim rejection. Be aware of the exclusions More often than not, travel insurance claims are rejected because travelers make claims on certain expenses which are not covered by their foreign travel insurance policies. This usually happens when travelers opt for cheap travel insurance plans with insufficient coverage. Travelers, therefore, need to go through their travel insurance policy wordings carefully to ensure that they make a valid claim on their overseas travel insurance plans. Gain information about latest changes Travel insurance companies keep changing and modifying the terms and conditions pertaining to overseas travel insurance policies. If travelers don’t keep a track of those changes, they end up being disappointed because their travel insurance claims are turned down due to change of rules. So, travelers should keep a tab of all modifications of their travel insurance policy guidelines. Fill the claim form with correct information Many travel insurance claims are not approved because travelers mention wrong information in the claim form. In order to get international travel insurance claim approved, travelers must always provide right set of information. And, when travelers buy travel insurance online they should fill the proposal form with right information. If they hide any crucial information their travel insurance claims are most likely to be denied. For an example, if a traveler has pre-existing disease but he doesn’t reveal this fact by checking the box for pre-existing diseases, any claim made on that particular ailment can be rightfully rejected by the travel insurance provider. Travel insurance companies are entitled to deny any claim on the ground of concealing information. Keep all documents handy This is specifically important when it comes to making a reimbursement claim on travel insurance plans. Travelers need to keep all the documents handy after availing treatment in a foreign city in order to make a successful claim on their foreign travel insurance policy. All the bills of treatments availed and receipt of the healthcare facilities where the treatment is availed form need to be kept in a sorted manner. Travelers need to produce all these documents and the ones asked by their travel insurance providers at the time of a reimbursement claim. If they fail to submit any of the required documents, their claims wouldn’t be approved. If you follow these 4 easy steps, you can easily avoid travel insurance claim rejection.
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