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Tuesday, July 14, 2009

Paid Claims By Travel Medical Insurance Plans

By Ray Sondeo

Travel insurance coverage is a very vital aspect especially during a trip abroad. The internet is filled with many feedback's from customers as to how they have been benefited by the travel health insurance.

One such classic example is that of a non-resident individual who had purchased a medical insurance policy for his parents who were visiting USA for a short time. Unfortunately, his father had a heart attack and he was immediately hospitalized. But since his father was covered under a suitable insurance plan, it was a huge relief from the family. The final bill for hospitalization crossed one lakh dollars but the bills were sent directly to the insurance provider which saved the trauma of bearing such a huge expense right from the pocket. The prescription drugs were initially bought by the individual but it was reimbursed later by the insurance company when the necessary documents were provided. This is one of the million cases where insurance coverage has saved individuals from encountering expenses beyond their means.

Insurance providers are available 24X7 throughout the year to help you. Testimonials reinforce this fact as many cases have been documented when the insurance company provided timely assistance during critical emergencies like baggage loss, illnesses, prescription drug charges, surgeries, doctor consultation and evacuation expenses.

When customers have advanced their trip to their native land due to unforeseen circumstances, claims have been paid for the expensive trip cancellation charges.

Many testimonials have been presented where travellers have been benefited by the travel insurance online coverage during adventurous sports like skiing and mountaineering. Broken bones, injuries, tears are quite common in these cases and treating them would be very expensive in case you are not covered by an appropriate plan.

While submitting claims, you are asked to provide some documents for processing. The most commonly required documentation includes insurance plan number, travel dates, travel agency number, booking or reservation slip and age proof.

Based on the nature of the claim, some additional proof may be required by the company. Your insurance agent would assist to gather the necessary proofs in order to submit your claims.

Invoices, tickets, bills and other travel document proofs need to be stored safely in case it may serve as a proof while claiming any expenses from the insurance provider at a later date.

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