Travel Insurance claim rejected? Here are top 5 reasons
It is the situation every insured person dreads.The situation isvery disappointingwhen a claim is rejected by the insurance company. It is pretty distressful when the claim is a travel insurance claim. The claim rejection proves to be a huge dampener for the already shattered holiday spirit since you have to bear the financial burden arising from claim rejection. In order to ensure that you don’t find yourself in the above scenario, let us have a look at the top 5 reasons why travel insurance claims get rejected.
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Claim Exclusions: This is one of the most common reasons for international travel insurance claims getting rejected. It has to be understood that exclusions are embedded in every insurance policy. It is observed that in the excitement of packing and planning for the holiday trips, people forget to check the list of exclusions in their travel insurance coverage. Thus, it is vital that you understand the list of exclusions thoroughly to avoid any unpleasant surprises down the road.
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Missing Bills: It is important to note that every claim you register has to be substantiated. For this reason, it is essential that you submit the associated bills and paperwork when you register a claim. Make sure that you availthe receiptsof every medical service you receive so that you are always on the saferside. In addition, it is also helpful to get the contact details of the doctor you receive treatment from. It can come in handy when a query is raised by the company.
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Undeclared Medical Conditions: Many people tend to avoid adeclaration of existing medical conditions or don’t disclose it completely. This can prove to be a costly mistake as this can be stated as the cause of claim rejection.In the event that you fall sick or encounter an accident due to an underlying medical condition, it is highly likely that your travel medical insurance claim will get rejected. Even if the accident or injury is not related to the medical condition, chances are high that the reimbursement claim will be rejected. Considering all this, make sure you declare your health condition in totality when you apply for the
travel insurance policy.
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Engaging in Adventurous Activities: Generally speaking, travel insurance coverage does not cover any kind of loss arising due to participation in adventure sports such as bungee jumping or skydiving. Although the list of excluded activities differs from company to company, it is essential that one is extra cautious while engaging in such sports as the odds of claim rejection are high. In addition to this, make sure to go through the fine print to gain more clarity in terms of policy coverage.
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Traveling against the advice of the FCO and WHO: The Foreign and Commonwealth Offices (FCO) and World Health Organization (WHO)consolidate a list of locations and places that are deemed risky or unsafe for travel. Hence, when you are chalking out your vacation plans make sure you avoid such blacklisted areas. Any accident or loss that may result while traveling to such locations will not be covered and the insurance claim will be rejected on the above grounds despite fulfillmentof other criteria.
