How to Use WhatsApp to Expedite Your Health and Travel Insurance Claims

While WhatsApp can be used to connect instantly with your loved ones, it can also prove to be helpful in many other official aspects. For example, you can use WhatsApp for health and travel insurance claims-related processes. To be precise, you can send additional required documents via WhatsApp to the Bajaj Allianz General Insurance Company after you have raised a health or travel insurance claim. Claims are subject to terms and conditions set forth under health and travel insurance policies. Let’s learn about this in detail.

Can You Use WhatsApp for Health and Travel Insurance Claims?

Yes, there are some aspects related to the health and travel insurance claim process that can be completed via WhatsApp. Here is a rundown of how it may occur: If you have raised a claim, there are certain documents you are expected to provide to the insurance company. The insurance company verifies these documents and other information you may have provided to them. If the insurance company feels that additional documents are required or that some relevant documents have not been provided, they will reach out to you. To share those pending documents with the insurance company, you can take the help of WhatsApp. Only those additional documents which are not required in their original form can be shared via WhatsApp. You can share clear photographs or scanned copies of the required documents via WhatsApp to the insurance company. Claims are subject to terms and conditions set forth under health and travel insurance policies. Currently, this feature is available only for claims on health insurance and travel insurance policies. Let’s see which documents you can share via WhatsApp to expedite your claims process.

Documents You Can Share via WhatsApp for Claims-Related Processes

In case the documents submitted by you are not sufficient, you may be asked to share additional documents, which you can do via WhatsApp. We will categorise the documents into those needed for health insurance claims and travel insurance claims.

Using WhatsApp to Share Health Insurance Claim Documents

Here is a list of health insurance claim documents you can share via WhatsApp:

1. NEFT form, filled and signed
2. Pre-printed cancelled cheque leaf/ first page of your bank passbook/ bank statement
3. KYC form, duly signed with AML (Anti-Money Laundering) documents such as PAN card, electricity bill, etc.
4. Medical certificate from the doctor, supporting the medical treatment
5. Attested copies of indoor case papers
6. First Information Report (FIR)/ Medico Legal Certificate, where needed (attested copy)
7. Investigation reports in support of the diagnosis
8. An itemised breakup of costs
9. Hospital registration certificate (attested copy)
10. Settlement letter from other insurers, if applicable.

The WhatsApp number for health insurance claims is: +918600047615. Claims are subject to terms and conditions set forth under health and travel insurance policies.

Using WhatsApp for Travel Insurance Claim Documents:

You can send all claim documents for travel insurance claims via WhatsApp (except for original paid receipts for hospitalisation). For travel claims, you can use this number: +917756096402. Claims are subject to terms and conditions set forth under health and travel insurance policies. Thus, WhatsApp can help you have an easier experience with your insurance claim process by making it possible to share documents digitally.

How to Increase Chances of Insurance Claim Approval?

There are many factors that can determine whether your claim is approved or not. Most importantly, your claim may be approved if it meets the terms and conditions laid down by the policy you have opted for. Claims are subject to terms and conditions set forth under health and travel insurance policies. Some ways you can increase your chances of claim approval include:

Raising a claim for a covered event

Sometimes, you may raise a claim, thinking that it may be covered under the plan you have chosen. However, it is important to read the terms and conditions of your coverages accordingly. It is likely that the event you are raising a claim for may have a set of exclusions. If you have raised a claim that is under the exclusion category, then it may not be approved.

Providing honest and clear information

Whether you are raising a claim for health insurance or travel insurance, it is important that you be honest with the insurance company about whatever events have occurred. Be honest about your past medical events as well. If the insurance provider finds out that you have hidden a past ailment and a claim is being raised for that ailment, the claim may not go ahead.

Provide sufficient support for the claim

Whatever issue you are raising a claim for should be supported by enough evidence as the insurer sees fit. Along with the required documents, you can also take photographs or videos (if you are able to) so that you have a backup for your claim. In case the insurer requires additional information, make sure to provide it at the earliest. This can help fasten the claim process. Claims are subject to terms and conditions set forth under health and travel insurance policies.

In Conclusion

Raising a travel claim or health claim has been made easier via WhatsApp and many other ways. What you should ensure is that you are aware of your policy wordings and all the requisites associated with a claim so that the chances of claim approval are higher. Claims are subject to terms and conditions set forth under health and travel insurance policies. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.