What is the Claim Processing Turn around time?

Each company has a different process for setting claim but Cashless Claim Guarantee takes between 3-4 hours after reporting the claim to Europ Assist/Tata AIG. Reimbursement of Claims normally takes between 7-15 days after submission of all relevant claims documents.

Can I track my claim status online?

Many insurance company including Tata AIG are moving to Digital Claims processing, but most Travel insurance claims are still offline and hence you can call Europ Assist or Tata AIG Customer Support team to ascertain the status of your claim.

Can Tata AIG deny settling my Travel Insurance claim?

Yes, Tata AIG can deny settling a claim which does not fall under the Scope of the policy, or is more than the Sum Insured (Limit of Liability), or falls under the Exclusions of the policy. They will send an email to you citing the reason of the Denial/Repudiation of the claim, which you can take up with them if you are not convinced.

What can I do if I am unhappy with denial of my claim?

The IRDAI has instituted a Grievance Mechanism to address Claims Denial / Repudiation. After taking up the matter with the Tata AIG Claims Team, you can then refer the same to the Insurance Ombudsman appointed by the regulator to reviewing such pleas by the insured. If you are still not happy with the judgement of the Ombudsman, you can take Legal Recourse through the Judicial Process and Courts.

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Best Indian Overseas Mediclaim Insurance Reviews

What is the best travel insurance for international travel?

The traveller must consider the following while deciding on the insurance plan and company – Duration of Travel, Destination of Travel, Age of the Traveller, Coverage required. EIndia actually does this comparison work for the traveller. Once this information is provided, EIndia will collate all the information and present in a tabular form the insurance plans/premiums offering the required coverages and this process makes it easier for the traveller to make an informed decision. Once should not assume that the cheapest insurance premium policy has the least coverages or vice versa. The traveller should have the comparison and then decide based on the coverage and premium and reputation of the insurance company. There are many strong travel insurance providers who have been offering travel insurance solutions for many years and have been settling claims promptly and these providers should be evaluated before finally choosing your insurance partner.

What is the best traveller’s health insurance?

Travel Insurance (or Traveller’s Health Insurance) is the insurance coverage required by a traveller who is traveling out of India on a leisure a business trip or meeting family and friends abroad. Travel insurance is currently not a mandatory requirement for all travellers to have when they travel abroad except when visiting the European Schengen countries (it is mandatory to have an insurance cover to obtain a visa). Hence more than 75% of Indian travellers do not opt for travel insurance although it is very important to have a policy to protect the traveller from any unforeseen medical or non medical emergency that can arise.

One could have an unfortunate accident or sickness and with the cost of treatment exorbitantly high in most countries, the traveller could end up bearing this expenses from their pocket. The average cost of hospitalisation could be anywhere between $15,000 -$20,000 ( ₹10.5 - ₹14 lacs). Also there are non medical emergencies like Loss of Passport, Loss/Delay of Baggage, Flight Delays, Personal Liability that are covered under travel insurance policies.

How do I choose the best overseas mediclaim insurance plan for my travel needs?

Your choice of best overseas mediclaim coverage depends on the destination you are visiting, trip duration, age of traveller and health status. While opting for overseas travel medical insurance choose a plan that has strong medical coverage, cashless hospitalization, emergency evacuation, and good customer reviews for service and claim settlement.

Can I compare multiple overseas mediclaim plans in one place?

Yes. Platforms like eIndiaInsurance allow you to compare premiums, benefits, exclusions of various insurers. You can make an informed decision and buy overseas mediclaim insurance on eindiainsurance.com website and receive policy instantly.

What kind of medical expenses are covered under these plans?

Under overseas Mediclaim insurance you will get coverage for emergency hospitalization, surgery, outpatient treatment, ambulance services, accidental injuries, and emergency dental treatments.

Are day-care procedures and telemedicine covered?

Many modern travel insurance plans now offer coverage for day-care treatments (which don’t require 24-hour hospitalization) and teleconsultation services, especially post-COVID-19.

What is the claim settlement process if I’m hospitalized abroad?

If you are hospitalized in case of an emergency situation abroad you must contact insurer’s assistance provider immediately on the numbers given on your policy document. They will co ordinate for cashless hospitalization. In case of reimbursement, submit medical bills, reports, and claim forms after returning to India.

What should I check in the fine print before purchase?

Always check for exclusions (like pre-existing diseases, adventure sports), sub-limits (on room rent or diagnostics), and deductibles. Also verify the network hospitals and claim support process of the insurers. Eindiainsurance customer support team can assist you in understanding these details.

Are senior citizens eligible for overseas mediclaim insurance?

Yes, most insurers offer plans for travellers aged up to 70–99 years, though premiums are higher and some may require medical tests or restrict coverage for pre-existing conditions.

Is maternity care or childbirth abroad covered?

Typically, maternity-related expenses are excluded unless explicitly mentioned. Some high-premium plans or group policies may cover childbirth in emergencies.