Everything You Need to Know About AIG Travel Insurance Claims

A streamlined travel insurance claim submission ensures smooth and quick processing along with an equally streamlined settlement. This is why all policyholders must be aware of how to file their respective claims properly after a claimable event occurs. Claim submission procedures often differ for every company. This article focuses on the AIG travel insurance claim process and discusses all important aspects of the claim submission process that all AIG policyholders must know. We will talk about the types of claims individuals can SUBMIT, the AIG travel insurance claim submission procedure, and the important documents required for carrying out the entire process.

Types of AIG Travel Insurance Claims

The AIG travel insurance claims can be divided into two types - direct claims and reimbursement claims. Let us read about them in detail -

1. Direct Claims: Direct claims are the ones that are settled by the insurance provider by making the due payment directly to the concerned service providers. These are applicable for availing of medical services like emergency medical treatment. You can get in touch with AIG representatives from one of the network hospitals requesting them to approve your direct claim for the services you require. You can get the treatment started after AIG approves your direct claim request. The company settles the due bill with the concerned hospital directly. You may have to pay deductibles if included in your plan. Expenses that can be covered with direct billing include radiology tests, cost of treatment, medicines, hospital accommodation (if applicable), etc.

2. Reimbursement Claims: Reimbursement claims are submitted to get reimbursed or compensated for a loss for which you have already covered the expenses incurred. This type of claim are available for most types of benefits offered in a travel insurance plan. You are required to fill out a reimbursement claim form and complete the required documentation. Once done, AIG examines the claim and notifies the individual if the claim has been approved. Settlement money is then transferred to your chosen bank account. 

AIG Travel Insurance Claim Procedure

Given below are detailed instructions to file a reimbursement AIG travel insurance claim. Make sure to follow all the steps accurately to ensure proper claim submission and settlement -

• Start by notifying the AIG travel insurance company with a written notice. The notice shall be sent within the claim notification period.
• After receiving the notice of claim, AIG will provide you with a confirmation. Now you can proceed to fill out the AIG travel insurance claim form.
• Go to the official website of AIG UAE and open the claim section. 
• Scroll down a little to find the “Individual and SME Claims” section. You can find it on the fourth panel of the page. 
• Click on the “submit claim” button to open the self-service claim portal.
• Choose travel insurance from the available options to open the online AIG uae travel insurance claim form. 
• Start filling out the form. Type in your personal and policy details.
• Click on the ‘Next’ button and provide the relevant details of the claim.
• Move on to the next section of the claim form – the Sub Cover Selection section.
• Type in the required information and then tap ‘Next’.
• Attach all the essential documents on the next page of the AIG travel insurance claim form.
• Complete the payment process, check the summary of the form and submit it.
• Wait till you get a response from the concerned claim settlement authority regarding the approval of your AIG travel insurance claim.

Important Things to Remember

• According to the AIG travel insurance claim guidelines, the insured person must initiate the claim process within 90 days from the beginning of the claim notification period.
• The claim notification period commences from the date of loss.
• Delay in the submission of the travel insurance claim form with respect to the claim notification period may lead to claim denial.
• It is recommended to keep all the original copies of important documents, such as ID proof, invoices, receipts, etc. handy. The provider may ask you to present or submit the original document during the travel insurance claim process. Failing to present the required documents can result in claim denial. 

Documentation Required as Per the Type of Claim 

Claim documents required to be submitted may differ as per the type of claim you wish to make. Given below is a detailed description of all required documents for AIG travel insurance claim submission as per the type of claim:

1. Emergency Medical Treatment Expenses

• Duly filled claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight tickets
• Fit-to-fly certificate from the concerned physician
• Receipts of all emergency medical treatment received along with doctor’s report

2. Emergency Medical Evacuation

• Claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight tickets
• An emergency evacuation must be authorised by the Assistance Department or a physician who certifies that the severity or the nature of your injury or sickness warrants your emergency evacuation.
• Relevant receipts for expenses claimed

3. Repatriation of Mortal Remains

• Claim form
• A valid copy of ID proof
• Death certificate
• Travel documents (passport and visa) and flight tickets
• Relevant receipts for expenses claimed

4. Stolen/Lost Baggage/Personal Effects

• Claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight tickets
• A report documented by the local police regarding the loss/ theft or damaged personal belongings
• An itemised list of all items lost/stolen with proof of purchase

5. Delayed Trip

• Claim form
• A valid copy of ID proof
• Original receipts of all pre-booked non-refundable expenses incurred

6. Missed Departure/Connection Flight

• Claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight tickets
• Valid written documentation issued by the concerned authority regarding the reason and duration of the delay

7. Baggage Delay

• Claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight tickets
• An official written report from the Common Carrier for the delay, temporary misplacement, or misdirection
• Original receipts of expenses incurred

8. Personal Liability

• Claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight tickets
• A valid written notice with full particulars of an event that may give rise to the claim within 30 days of the conclusion of the covered trip

9. Emergency Family Travel

• Claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight ticket of the family member
• Relevant invoices

10. Trip Cancellation

• Claim form
• A valid copy of ID proof
• Travel documents (passport and visa) and flight tickets
• A document explaining the reason for the cancellation 
• A valid medical certificate from the concerned physician stating that it is necessary and unavoidable for you to cancel the covered trip, if applicable 
• Death Certificate (In case of death)

Tips for Easy and Correct AIG Travel Insurance Claim Submission 

The process of an AIG travel insurance claim submission must be initiated and carried out carefully. The following points discuss all the essential things you must consider before and while initiating the travel insurance claim -  

• Providing incorrect information or failing to submit any of the required documents can straightaway result in the denial of your insurance claim. Hence, fill out the AIG travel insurance claim form carefully and upload/attach all the required documents in proper order.
• Make sure the reason behind filing the AIG travel insurance claim is properly conveyed in your claim application to the concerned authorities. Explain the incident and write the description concisely. The company may ask you for additional information regarding the event if required.
• Make sure all the original copies of the submitted documents are available with you. AIG may ask you to submit them during the travel insurance claim process.
• To avoid claim rejection, ensure to verify the maximum limit for all travel insurance benefits provided to you.
• Filing the AIG travel insurance claim online results in faster claim processing as compared to claims submitted using offline modes. The insurance claim form is reviewed by automated software which fast-tracks your claim settlement process. 

Take a glance at the frequently asked questions about the AIG travel insurance claim process mentioned below. Read along to find out what other policyholders are asking. 

FAQ's

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