1. If the insured’s scheduled trip is cancelled due to hospitalisation, will insurance
cover the losses?
Yes, you can have your travel insurance policy claim back from the insurance company as soon as you tell them that you have been hospitalised. The insurance company will refund your policy as soon as they confirm your hospitalisation. The insurance company does not need to confirm your sickness as long as they have a hospital confirmation from you.
However, you have to ensure that you provide correct and valid information to your travel insurance provider.
2. What is an ASP (assistance service provider)
in insurance?
An ASP in insurance is a service provider that has been authorized by a member insurer to assist its policyholders. The ASP can provide a wide range of services to help policyholders take advantage of their policies. They have a direct relationship with the insurer which means that they can help you in a better way. The ASP may bill you for the services provided, or in
some policies, the ASP will be a third-party administrator who will handle claims and payments directly from the insurer.
3. Will the insured’s expenses incurred due to trip delay
be covered?
Trip delay benefits are a part of travel insurance. It covers travel delays due to reasons beyond the insured’s control i.e. strikes, bad weather, political reasons, riots, earthquake etc. These delays can be up to 24 hours in a day. In case of long delays the insured might have to stay at a hotel or a similar facility. The insured can also claim extra expenses for accommodation and meals if he is stuck
in the destination city. The insured should send all the evidence to the insurance company before claiming any expense.
4.The insured has both of our health and travel insurance. Will the claim be applicable in both
cases and how?
Yes, you will be entitled to claim for both. The health insurance is a compulsory requirement and it is applicable to all residents of this place. The travel insurance is not a compulsory requirement and is available for people travelling outside the country and they need to buy it in case they want to avail its benefits. As people travel to various places in the country and the world, they need to take travel insurance. If they purchase it, they can use it to claim for their travel related mishaps like accidents, injuries and other similar things. It is mandatory for the
insured to take medical insurance in India and if they wish to travel outside India, they need to purchase travel insurance.
5. Which International Travel Insurance covers can I claim for due to
COVID-19?
You can get a full refund for your COOVIP-19 registration fee if your travel plans are changed, delayed or cancelled due to a covered reason. You can get a full refund for a trip cancellation or trip interruption if you have been delayed or been prevented from traveling due to a covered reason. You can get a full refund for a trip interruption if you have been prevented from traveling due to a covered reason. If you have been hospitalized for a covered reason, you can get a full refund for the trip you were on when you were hospitalized.
If you have been hospitalized for a covered reason, you can get a refund for the trip you were on when you were hospitalized.
6. Are business travellers eligible to purchase a Travel Insurance
policy?
A travel insurance policy is a combination of many different components. Under a travel insurance policy, a business
traveler would get cover for medical expenses, trip interruption, lost-luggage, trip cancellation, evacuation and repatriation, among other things.
A business traveler can get a comprehensive travel insurance policy from an insurance provider of his or her choice.