It is quite an exhaustive yet exciting process for students to choose an international university for studies. They get excited about many things like traveling to a new place, meeting new people, and exploring new cultures. However, going to a new country comes with certain apprehensions as well. Students who are going to join an international university should know that several challenges await them since they get the responsibility to take care of them and manage everything without much external support. Students who are preparing to go to a new country for studies must consider buying a student travel health insurance plan so that they stay covered in case of any health emergency, accident, mishap, or unforeseen situation.
Choosing an international travel insurance policy will help students to stay protected and avoid huge financial expenses from their own pockets. While buying insurance seems like an easy procedure, making an insurance claim feels quite the opposite for many. Here is a simple guide to help you submit a travel insurance claim easily: -
Travel insurance gets approved based on the document you have submitted earlier. So, when you are all set to make a claim, make sure that your documents are ready. In case you miss any vital document, it may delay the claim settlement process. You should understand that the documents play a crucial role in the process of making any claim. Make sure you have a copy of all the submitted documents.
Travel Policy Limit
It is an important factor to consider while submitting your travel insurance claim. In case you make a claim beyond the policy limit, it may get rejected or you may get only partial reimbursement. Also, it is wise not to travel with your expensive belongings and in case you do so, make sure you have pictures and receipts of the same.
Communicate with the Authorities
In certain rare cases, you may have to contact the authorities. If you lose your luggage or passport, even if you have insurance for the same, you need to notify the local authorities and file a report related to the loss. When filing a report, do keep a copy of the report with you. When you submit the travel insurance claim, you will have to attach the report as well.
Deductibles and Exclusions
Every travel insurance plan has some exclusions which mean things that are not covered under the plan. Also, things that are covered come with some deductibles which include the limit of claim you need to pay. So, you need to check all of this while making your claim. In case it is covered in your plan, know about the deductible limit. You can understand this point by going through the list of deductibles, limits, and exclusions when buying an international travel insurance policy.
So, these are some important points to keep in mind while submitting student travel insurance claims.
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