Receiving a denial letter for an insurance claim is one of the worst nightmares. One of the worst circumstances anyone may ever encounter is this, which can be a big hassle.
It is absolutely traumatising when your travel insurance claim is denied just when you need it most, despite the fact that you have faithfully paid the payment. It not only severely detracts from your vacation atmosphere but also makes your financial problems worse.
Nobody wants to find himself in this situation, and the only way to avoid it is to be aware of the potential causes of claim rejection.
The possible causes for your travel insurance claim being denied
- Exclusion of the particular claims
Exclusions is among the most frequent causes for a travel insurance claim being denied. Almost all insurance contracts contain concealed exclusion clauses. You frequently neglect to read the insurance agreements because you are so preoccupied with packing and arranging trip arrangements. *
Many folks tend to ignore the exclusions list that is right there. You must carefully read the agreement as a result.
- Absence of bills
Your assertions must be backed up by sufficient documentation. Therefore, it is crucial that you submit the relevant invoices and supporting documentation to support the claim.
Make sure to save the specifics of each medical service provider’s bills so you can produce them as needed. Additionally, you must keep on hand the doctor’s contact information as well as that of any related medical service providers. ##
- False information regarding medical conditions
Never attempt to conceal anything from the insurance company. It is crucial to disclose all information pertaining to any sickness. If you need to file a claim for treatment related to an illness, concealing the disease may not be beneficial.
You risk having your bajaj allianz travel insurance claim denied if you are in this situation. You must, therefore, fully disclose your medical history when purchasing the policy.
- Indulging in adventure sports
Even though you may enjoy adventure sports, the travel insurance coverage does not cover any injuries that might result from them. Scuba diving, skydiving, and bungee jumping are just a few of the adventure activities that are popular among tourists.
Therefore, exercise extreme caution when engaging in adventure sports because there is a great likelihood that your claims may be denied.
- Deviating from accepted norms
Lists of places that are unsafe for travel are maintained by the World Health Organization (WHO) and the Foreign and Commonwealth Office (FCO).
Therefore, you must review the list of these prohibited locations anytime you make travel arrangements.
The travel insurance companies would not take into account any claims made while visiting these places. Even if you meet all the requirements, it will be rejected.
- Failing to report on time
The claim must be submitted on time in order to receive the benefits of bajaj allianz travel insurance. In the event of an accident, you must go to the hospital right away, and in the event of a theft or robbery, you must notify the police station of the incident.
When submitting the claim, having a complaint in writing is crucial. The claim may be denied if the incident is reported more than 24 hours after it occurred.
- Not going to approved medical centres
Certain hospitals and clinics have bajaj allianz international travel insurance empanelled status. It is advisable that you go to the hospitals that your travel insurance provider has approved if you experience any medical emergencies while travelling. *
To avoid unpleasant surprises while making an international travel insurance online claim, keep in mind the aforementioned considerations when applying for a policy.
* Standard T&C Apply
## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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