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Blue Cross Travel Claim Procedure
Notify us in writing or by completing the Travel Insurance Claims Form that could be obtained from us by request:
- within 31 days of the expiry of the insurance for TravelSafe policies;
- within 31 days of the date of incident for Annual Travel policies;
- within 14 days after any incident which may give rise to Personal Liability claim.
In the case of Medical Expenses, 24 Hours Emergency Services, and Hospital Cash Allowances:
Submit all original bills, receipts and physician's report stipulating the diagnosis of the condition treated, the date of disability commenced and a summary of the course of treatment.
In the case of Personal Accident:
Submit all original hospital and physician's report giving details of the nature of the loss and extent and period of disability, police report where relevant and if death shall have resulted, original death certificate and the relevant coroner's report.
In the case of Baggage:
- examine all baggage when received, especially in the event of any destruction, loss or damage coming to your notice;
- give immediate notice to the carriers if loss or damage has occurred during transit and obtain an official Baggage Irregularity Report as certification;
- report to the Police immediately in case of theft, loss or wilful damage to any property by a Third Party, and obtain a police report;
- submit to us the Baggage Irregularity Report, police report and all original purchase receipts as to date of purchase, price, model and type of items lost or damaged.
In the case of Baggage Delay:
- give immediate notice to the airline and/ or carriers, and obtain from them an official Baggage Irregularity Report as certification;
- submit the Report to us together with original purchase receipts showing details of the emergency purchase of essential items of toiletries or clothing.
In the case of Cancellation Charges:
Submit documents, e.g. physician's report, providing the reason leading to the Cancellation, receipts showing the amount of deposits or payments for tour or airfare or other travel arrangements, and the tour operator's advice on the amount recoverable.
In the case of Travel Delay:
Submit official documentation from the airline/ carrier providing the cause, date, time and duration of the delay, and original receipts showing the amount of the additional public transportation charges incurred, if any.
In the case of Curtailment of Trip:
Submit documents, e.g. physician's report, providing the reason leading to the Curtailment, and original receipts showing the amount of the additional public transportation charges incurred, if any.
In the case of Personal Money:
- report to the Police immediately and obtain a police report;
- report also to the relevant branch of the issuing authority within 24 hours in the event of loss of travellers cheques.
In the case of Personal Liability:
- report to the Police immediately in case of injury to the Third Party;
- if possible, obtain information from witness(es) such as their name(s), address(es) and contact phone number(s);
- give immediate notice, not later than 14 days after the incident, to us providing the nature and circumstances of the incident or event, together with a confirmation that no admission of liability and no settlement has been made;
- do not admit liability or make any offer or promise of payment to the Third Party;
- pass all correspondences received from the Third Party unanswered to us. Every writ and summons must be forwarded to us immediately on its receipt.
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