Here’s how you can avoid travel insurance claim rejection

By: | Updated: April 2, 2017 6:42 AM

There are hundreds of things which may go wrong while traveling from one place to another. And what if your travel insurer rejects your claim? Yes, there are certain occasions when an insurer can reject your claim when, say, you haven't disclosed your pre-existing diseases or by mistake mentioned the wrong date of birth and so on.

If you have any pre-existing disease or any symptom which may lead to critical illness, it is advised to you to disclose that while purchasing a travel insurance policy.

There are hundreds of things which may go wrong while traveling from one place to another. And what if your travel insurer rejects your claim? Yes, there are certain occasions when an insurer can reject your claim when, say, you haven’t disclosed your pre-existing diseases or by mistake mentioned the wrong date of birth and so on. Also, one must ensure that all the relevant proofs are provided along with correct information filled in the travel policy before taking off for a journey as insurance companies ask for strong evidences before you make any claim.

“While on a trip, a misfortune can knock you at any moment and in saving you from such unforeseen events, travel insurance can play a vital role. But there could be certain conditions under which your claim might not get accepted. This could be a fault like not reading the policy wording carefully or hiding something from your insurer. The most common reason for the rejection of a claim could be nondisclosure of any pre-existing ailment”, says Dhruv Sarin- Head of Health and Travel Insurance, Policybazaar.com.

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If you have any pre-existing disease or any symptom which may lead to critical illness, it is advised to you to disclose that while purchasing a travel insurance policy. As most policies exclude cover for pre-existing conditions, only a few insurers cover the risk of pre-existing diseases. Be transparent with the insurer while buying a policy.

In case you face a serious medical emergency where you have to be rushed to a hospital, your insurer must be informed on time. This would help you find the nearest network hospital in order to avail a cashless treatment. If you fail to inform your insurer on time, your claim might get rejected. Keep handy all your medical bills and documents to avoid the situation of claim rejection. “Always read your policy agreement thoroughly before buying the policy, so that you don’t feel cheated or blame the insurer later on. Traveling against the law is amongst the certain conditions under which your claim may get rejected. The exclusions and inclusions are clearly mentioned under your policy wording which would clearly give you the idea of what all you are getting covered for,” says Sarin.

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However, the best thing is that you almost know the reasons for claim denials. Therefore, you only need to make sure that you have taken sufficient precautions and made the best use of the security cover that your travel insurance policy has provided to you. “In most cases, you can easily avoid a claim rejection just by having a keen eye on everything,” says Sarin.

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