In contemporary time plenty of travelers talk about incidents where their travel claim has been denied at least once in their life. Traveling brings a lot of excitement, and they often make a travel insurance policy without knowing all the intricate details of placing a valid claim while needed. When misfortunes strike a traveler may fall sick on reaching the destination, and it may necessitate an emergency evacuation.
To save yourself from this stress, it is essential to understand what the primary reasons behind it are.
Here are the significant reasons travel claims often get rejected: –
On returning, the traveler may be handed a bill with too many zeroes to pay. He has no other way out but to knock the door of the travel insurer. Now the million-dollar question did he got the return on the claim that was filled? The answer can be affirmation or a heartbreaking negation. No doubt is your request is rejected then it is quite disappointing. The financial overhead can mar your happiness and peace of mind. There are numerous incidents every year where insurance claims are denied due to one reason or another. Here are some of the reasons that can invalidate an insurance claim so make sure you cross check the following to have assured insurance benefits.
Claim generated for exclusions
If you claim things that are not covered, then your request is not going to be approved. Hence, before applying for insurance cover, it becomes your responsibility to read out the inclusion and exclusions carefully. There is no point in giving excuses like I never read about that. Further, we rush for very cheap plans that result in more expulsions. Hence, it becomes important to select a program after a thorough analysis of each aspect. IN this regard, you need to take care that you do not travel to a place that has been declared unsafe for traveling by Foreign and Commonwealth Offices (FCO) and World Health Organization (WHO). Hence, when you are formulating a vacation plan make sure to stay off from the blacklisted places. Any accidents and loss incurred by traveling to these places will not be covered and your claim is sure to get rejected although you may fulfil other criteria.
Often we do not collect statements of incurred medical expenses and are not reimbursed for the same. Possessing all the receipts and invoices is mandatory, and it should state every medical service and the costs incurred. Further, to be n the safe side you are better off having all the contact details of the doctors who are treating you. This will surely guard you against spending an extra penny.
Every year insurance service providers revise their term and conditions. Hence, it becomes necessary to read the rules even if you are a bonafide customer who has been purchasing policies for years. They are putting into place stringent qualification rules that include variation in cover amount and premium rate etc.
Incorrect form filing
In the process of filling out a form, you need be extra cautious not to make an entry of incorrect or data or miss out some empty boxes. All such issues give the insurer the right to reject your form. Hence, it becomes essential to inform the service provider of genuine information mainly related to your health. This may include, notifying the service provider of any pre-existing illness or even the new medicine and the dose that you are having. It does not also matter if you are hospitalized for a different medical condition. Still, there is an obligation on your part to mention the correct information. The insurer has all the right to have a word with your doctor and verify the information that you have provided by consulting your doctor. In case a mismatch is found with, the one provided on your part then you will not be entitled to for reimbursement.
When claiming travel insurance, you are better of contacting the insurance provider for collecting information on pre-approved doctors or hospitals. The assistance numbers will be given to you in advance, or you can receive it from the internet. This is quite important because the odds of claim rejection are quite high if you visit an unapproved clinic.
More often than not, it is easy to disregard these reasons which effect in the rejection of travel claims. Make a note of them all so that your travel insurance can come to your aid when you need it to.
To know precisely about the policy exposure, exclusions, etc. read the Policy Phrasings wisely.