DO'S |
DONT's |
Do make sure you take out your insurance before you travel. It can be very difficult to arrange once your holiday has started. Normally, insurers will not grant cover once a journey has commenced, leaving you exposed to a significant financial risk and a delay in the assistance you may desperately need. |
Don't think that buying travel insurance is an unnecessary extra expense on top of your holiday cost. At worst it can help you get the assistance you need - at best it could help save your life. |
Do make sure that you have disclosed any pre-existing medical conditions to your insurer when you take out the policy (including yourself and your dependent family). |
Don't arrange your own evacuations/repatriation unless your life is in danger without it and you and your companions cannot talk to the insurer in time. Otherwise, they won't pay if evacuation is self-arranged. |
Do ensure that you take all documentation of your travel policy with you on holiday, especially the emergency assistance telephone number. |
Don't keep your properties, travel documents unattended. Keep your valuables in hotel lockers/safe deposit vaults. |
Do be aware that a 'low cost' policy may not provide a level of cover you require; often 'low cost' means 'low cover' and a less-than-reassuring service when you most need it! |
Don't accept lavish hospitality extended by strangers/ unknown persons especially while shopping for jewellery and expensive items. |
DO contact the Assistance & claim-settling Co. for assistance and inform immediately, with full details. The insured can contact Falck India Pvt Ltd which will provide emergency assistance and claims administration services guidance. |
Don't get admitted in a hospital merely for investigation, evaluation or health checkups- It will not be approved. |
In extreme emergency medical conditions prohibiting getting in touch with assistance co., get admitted to the nearest facility/hospital. Request your representative to contact the assistance and claim settling co for further process. |
Don't forget to record the details of damage caused to any property or injury to anyone involved.. |
For reimbursement claim please intimate ASAP to Falck India Pvt Ltd via fax/ email and seek documentation advice before return from abroad. |
Don't claim the following expenses:- Telephone/fax , food and beverages , documentation charges, |
DO keep all Original bills and receipts, travel documents, original medical reports for easy process of reimbursement claim. |
Don't panic, If you receive a bill or notice from a provider or collection agency, simply forward it to Falck India Pvt Ltd by the quickest means possible (fax or e-mail), and to take action directly with the provider. |
Loss of baggage must be reported to the carrier and a Property Irregularity Report to be obtained. You may also claim from the carrier for they negligence. |
Don't admit any liability without written consent of Falck India Pvt Ltd to any party in what so ever form. |
In case of loss of passport, the police authorities to be informed, contact the nearest Indian embassy for further guidelines? |
Don't be reckless and always safeguard yourself from unhealthy event or circumstance as if the insurance is not in force. |
Do- in case of financial emergency, the insured can contact the claim-settling co. stating details of insurance policy, Police report, and a written statement narrating the incident of loss. |
Do not call Falck India Pvt Ltd without policy details available. |
In case of Out Patient treatment (OPD) kindly forward the original papers to Falck India Pvt Ltd Haryana office. |
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Do take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with. |
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Do take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries. |
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DO be honest and forthcoming with your insurer. Even if it is embarrassing, it is better if your insurer knows all the facts. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage. |
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Please send claim papers for reimbursement cases within 30 days from the date of return to India. |
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