Thinking of travelling with your family on a long-awaited vacation? Don’t worry, we’ve got you covered. While you will be in the perfect holiday mood with your loved ones, prepare well for any emergency over the course of your travel and stay.

How Does Cashless Travel Insurance Claim With Bajaj General Insurance Work?

Facing a medical emergency abroad is stressful, but paying for it shouldn’t be. With Bajaj General Insurance, our cashless claim process acts as your immediate financial cushion.

The process begins the moment you submit the minimum necessary documents. Our team swiftly verifies them against your policy coverage to get you the help you need without delay.

Claim Approval

When your claim is approved, which is our favourite outcome, we send a payment letter guarantee directly to your healthcare provider within just 2 working days. This allows you to focus entirely on your recovery while we settle the medical bills in the background.

Query Time

Occasionally, we need more context to process the request. In such cases, we will send a query letter to you and the hospital. Once we receive the requested details, we complete our due diligence and release the payment guarantee within 3 working days.

Claim Denial

If your cashless request is denied, we will send a formal denial letter to all parties so you stay informed. While the hospital or provider will require immediate payment from you, this isn't the end of the road. You absolutely retain the right to file a reimbursement claim later, ensuring you still have a path to financial support.

Ready to claim your expenses back? The reimbursement travel insurance claim process at Bajaj General Insurance is structured to be clear and efficient. To start, simply gather all original hospitalisation documents and submit them to the BGIL HAT team. We will handle the necessary verification to ensure everything is in order.

Claim Approved

If your documents are complete and the claim falls within your policy’s purview, we might have good news for you! We will approve the request and transfer the funds via NEFT directly to your Indian bank account within 10 working days.

Query Time

Sometimes, we may need a bit more information to process your request. If that happens, we will notify you immediately. We know life gets busy, so we will send you 3 friendly reminders, spaced 15 days apart. Keep an eye on these; if the pending documents are not submitted after the third reminder (45 days), we will be compelled to close the claim.

Claim Denied

If the claim is unfortunately not covered, we will send a formal letter explaining the denial. We are committed to a transparent settlement process every step of the way.

Why is Understanding the Travel Insurance Claim Process Important?

1. Get Your Money Back Faster: Nobody likes waiting for a refund. When you know exactly what steps to take, you avoid the back-and-forth of missing information emails. A clear understanding lets you file a perfect claim on day one, speeding up the settlement process significantly.

2. Stops You from Forgetting Key Proof: In the heat of the moment, it is easy to forget important paperwork. Being aware of the process in advance helps you remember essential documents, such as collecting the required report from the airline before leaving the airport. This way, you’re not left struggling later.

3. Keeps You Calm When Chaos Hits: Emergencies are scary enough without the confusion of paperwork. If you already know the drill, you won't panic wondering ‘who do I call?’ or ‘what do I do?’ You’ll have a mental action plan ready, letting you focus on resolving the actual problem.

4. Prevents Technicality Rejections: It helps you avoid those frustrating ‘you missed the deadline by one day’ moments. Being aware of simple rules, such as the 24-hour notification window, ensures you do not lose out on a valid claim because of a small timing oversight.

5. Protects Your Travel Budget: Understanding the difference between cashless and reimbursement can save your trip. If you know how to find a network hospital, the insurance pays the bill directly, meaning you do not have to drain your own vacation funds during an emergency.

Cashless Overseas Hospitalisation: Things to Know

At Bajaj General, we understand the essence of time, particularly during a medical emergency. You can visit any of the nearest healthcare providers for urgent treatment/rehabilitation. In case the bills exceed USD 500, you can apply for our cashless facility. However, if the bill is less than that, you can always file a hassle-free reimbursement claim.

All your colleague/co-traveller needs to do is inform us about the claim within 48 hours through any of the following ways:

- Email: travel@bajajgeneral.com

- Reach out to us at our country-specific Toll Free Number by clicking here. (mentioned in your travel kit as well)

- Call us at +91-20-30305858 (chargeable)

- Fax all hospitalisation details at +91 20 30512207

What are the Documents Required for a Travel Insurance Claim with Bajaj General Insurance?

To ensure your travel insurance claim with Bajaj General Insurance is processed smoothly, you must submit specific documents based on the type of incident. However, there is a standard set of documents required for every claim.

Mandatory Documents

1. Duly filled claim form

2. KYC documents

3. Travel proof

4. Bank details

5. Copy of policy certificate

Specific Documents

Claim Forms

Please fill out the required claim form below, based on the nature of your claim.

- Overseas travel Insurance claim form

- Worldwide ROMIF(Except UK & Australia)

- UK_ROMIF

- Australia_ROMIF

- Attending Physician's Statement (APS)

Thinking of travelling with your family on a long-awaited vacation? Don’t worry, we’ve got you covered. However, while you will be in the perfect holiday mood with your loved ones, don’t forget to prepare well for any emergency over the course of your travel and stay.

Cashless Travel Insurance Claim:

Once you send in the documents (minimal at that), we will verify them with the policy coverage

Congrats! Your cashless claim is approved; you can expect the following:

- We will send a payment letter guarantee to the healthcare provider within 2 working days

- The healthcare provider will treat you, and we’ll take care of your medical bills

In case we have a query, you can expect the following:

- We will send a query letter to you and the healthcare provider asking for some more information

- Once we receive that information, we will release the payment letter guarantee after due diligence within 3 working days

In case your claim is denied, you can expect the following:

- We will be sending you and the healthcare provider a denial letter

- The provider will carry out the treatment, as fully payable

- However, you can certainly file a claim for reimbursement at a later date

Travel Insurance Reimbursement Claim:

- Collect all hospitalisation-related documents and submit them, in original, to BGIL HAT

- We will carry out a customary verification of all required documents

In case we need more information, you can expect the following:

- We will send you prior intimation (notify you) about such deficiency so that you have sufficient time to provide further information.

- Upon receiving the requisite documents and further scrutiny, we will initiate the general insurance claims settlement process and release the payment via NEFT in your registered Indian bank account within 10 working days.

- In case you still fail to provide us with the pending paperwork, we will send you three reminders, each 15 days apart, from the date of intimation.

- Please note: We will be forced to close the claim and send you a letter stating the same if you fail to come up with the pending documents beyond 3 reminders (45 days) from the date of intimation.

In case your cashless claim is approved, you can expect the following:

- We initiate a customary verification of the authenticity of the documents and if found permissible within the policy’s purview, we will release the payment via NEFT in an Indian bank account within 10 working days

Please note: If your General Insurance claim doesn’t fall within the policy’s purview, we will deny the claim and send you a letter stating the same.

Cashless Overseas Hospitalisation

At Bajaj General, we understand the essence of time, particularly during a medical emergency. You can visit any of the nearest healthcare providers for urgent treatment/rehabilitation. In case the bills exceed USD 500, you can apply for our cashless facility. However, if the bill is less than that, you can always file a hassle-free reimbursement claim.

All your colleague/co-traveller needs to do is intimate us about the claim within 48 hours through any of the following ways:

- Email us at: travel@bajajgeneral.com

- Reach out to us at our country-specific toll-free number by clicking here. (mentioned in your travel kit as well)

- Call us at +91-20-30305858 (chargeable)

- Fax all hospitalisation details at +91 20 30512207

Network Hospitals Details

Once we receive the claim intimation, we will guide you through the rest of the procedure.

Want to know the hospitals we have tied up with? Just send an mail to travel@bajajgeneral.co.in or call our country-specific toll-free numbers and we will help you out with the network hospital list.

Claim Forms

Please fill the required claim form below, based on the nature of your claim.

- Overseas travel Insurance claim form

- Worldwide ROMIF (Except UK & Australia)

- UK_ROMIF

- Australia_ROMIF

- Attending Physician's Statement (APS)

Claim Documentation Checklist

For Medical Claims

- Claim form

- Relevant of medical information

- Attending Physician's Statement (APS)

For Non-Medical Claims

- Claim form

In case of any queries, you can reach out to our customer support and get your query resolved.