Emirates Travel Insurance Claim
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Emirates NBD, among the renowned banks and financial institutions in the UAE, offers various financial services to its customers such as loans, credit cards, and more. However, it also has various travel insurance plans in its collection to help individuals financially cover their trips and travel without any stress.
Among its various benefits, Emirates NBD is renowned for its easy travel insurance claim procedure and high claim settlement ratio. To help you avail of the benefits in case of any requirement while travelling, discussed below in depth are the details of the Emirates travel insurance claim procedure, types of claims, documents required while submitting a claim, and more.
Types of Emirates Travel Insurance Claims
There are mainly two types of claims you can make –
1. Direct Claims
With direct claims, the insurance company pays directly to the treating facility or medical practitioner for the treatment of the insured individual as defined in the travel insurance policy. In case of direct claims, the policyholder must contact the insurance company directly, submit the request, provide them with accurate information, and wait for the approval.
2. Reimbursement Claims
Unlike direct claims, the insured has to settle the bill out of their own pocket and apply for reimbursement from the provider later here. The insurance company then compensates the insured individual per their plan coverage and the benefit sub-limit.
It is advisable to contact the Emirates NBD for reimbursement within 14 days of returning from your journey.
General Conditions While Filing Emirates Travel Insurance Claim
Insured individuals should comply with the following conditions when making an Emirates travel insurance claim –
- The insured must be a resident of the UAE
- The policyholder cannot transfer their policy to anyone else without permission
- Notify the insurance provider about the incident within 2 months of the event
- Provide additional documents as per the deadlines mentioned by the insurance provider
- Whenever you make a claim under your policy which is also covered by another policy, the insurer will only pay their share
- Never settle or negotiate any claim with the third party without written consent from the insurance company
- Provide accurate information about the incident for a hassle-free process
Emirates Travel Insurance Claim Procedure
The customer support team of Emirates NBD is available 24/7 and can provide all the details required by the insured individual. You can approach the insurance company through any of the following methods as per the means available to you –
Medical Emergency Services (24x7 Assistance)
In case of a medical emergency, the policyholder should notify International S.O.S. (Gulf) W.L.L. as early as possible by dialling +33 1 55 63 33 01. Make sure you have your Emirates travel insurance policy number ready. As an alternative, the insured can also fill out an online new case notification form available on the website – http://www.internationalsos.com/.
At the time of a medical emergency, International S.O.S. (Gulf) W.L.L. can help you in the following ways –
- Help you find the hospital and clinics and pay the necessary fees on your behalf
- Medical advisors would be consulted to determine whether an injured or sick person can be sent to their home country and which transportation method would be the most appropriate
- They can also help you arrange specially equipped air ambulances, if required
- Providing assistance upon arrival in the UAE where medically required
- Doctors and medical institutions overseas would be connected in their language
- The policyholder can be escorted by a medical attendant if required
Other Types of Claims
For reimbursement claims, follow the procedure given below –
- Check your Emirates travel insurance policy schedule wording to see whether the particular loss or damage is covered or not
- Contact the claims team department using the following details –
For Dubai
Phone Number: 04 3029995
Fax Number: 04 348851
Email Address: claims@ae.rsagroup.com
Address: 2nd Floor, Office Court Oud Metha Road
P.O. Box 28648, Dubai
For Abu Dhabi
Phone Number: 02 6351800
Fax Number: 02 6351808
Email Address: rsaad@ae.rsagroup.com
Address: Suite 2 Hamdan Street
P.O. Box 646, Abu Dhabi
- You would be required to provide the details to the claim department about the incident
- An Emirates NBD travel insurance claim form will be sent to you
- Fill out the form and send it with the supporting documents to the address – Royal & Sun Alliance Insurance (Middle East) Ltd., E C (Dubai Branch) P O Box 28648, Dubai
- In most cases, a travel insurance claim is settled based on your provided information, although Emirates NBD may appoint an agent to discuss your claim if required. The said agent can contact you, ask for more information, and help you with the process. It is to be noted that the fees associated with agents shall be paid by the insurance company.
Required Documentation for Emirates Travel Insurance Claim
Given below are the types of documents required for each category of an Emirates travel insurance claim –
Emirates Travel Insurance Claim Documentation for Trip Cancellation or Curtailment
- Certificate from a medical practitioner stating your disease and why it is important to cancel or cut short your trip
- Cancellation invoice from your accommodation provider or carrier detailing all the incurred cancellation charges
- Unused travel tickets
- Letter from a relevant authority in case you are being called as a witness in court, your home being burgled, or any other appropriate reason
Emirates Travel Insurance Claim Documentation for Missed Departure
- A valid letter from the carrier stating reasons for late arrival
- Further evidence has to be provided of whether the policyholder is involved in an accident or a mechanical breakdown of the vehicle – a letter from the recovery or repairer company can work here
Emirates Travel Insurance Claim Documentation for Travel Delay
- Letter from the carrier explaining reasons for the delay, scheduled and actual departure time, and confirmation of your check-in
Emirates Travel Insurance Claim Documentation for Baggage Delay
- A Property Irregularity Report issued by your airline or a letter from the carrier informing about the total loss
- Receipts of all essential replacements
Emirates Travel Insurance Claim Documentation for Personal Baggage
- Property Irregularity Report obtained from the airline or a letter detailing the loss or damage that occurred during the journey
- Copy of the police report for all other losses
Emirates Travel Insurance Claim Documentation for Personal Money
- Copy of police report
- Detailed receipts for travellers' cheques and currency transactions
- Other suitable evidence
Emirates Travel Insurance Claim Documentation for Passport Assistance
- A written police report issued within 24 hours of the event
- A letter from a consular representative approving the dates of loss, notifications of loss, and replacement
- Other relevant evidence
Emirates Travel Insurance Claim Documentation for Emergency Medical Expenses
- Receipts of all expenses incurred
- Costs incurred for treatment of minor illnesses or injuries should be paid by the insured, and the reimbursement claim should be submitted for the same
Emirates Travel Insurance Claim Documentation for Personal Accident
- A valid certificate from the treating facility
- In the event of death, the death certificate would be required
Emirates Travel Insurance Claim Documentation for Personal Liability
- All receipts and suitable evidence required to settle the claim
Emirates Travel Insurance Claim Documentation for Legal Expenses
- In the case of personal injury or accidental death, a doctor's certificate is needed
- Any independent witness statements
- Photographs or videos as supporting documentation evidence
Emirates Travel Insurance Claim Documentation for Assault / Robbery
- Obtain a police report of the incident
- Report authorising your injuries, duration of hospitalisation, or in-patient treatment
Emirates Travel Insurance Claim Documentation for Winter Sports Cover (Optional)
- Letter from a tour operator or ski lift operator stating the dates of and reasons for piste closure
- Other evidence, if applicable
Note: Regardless of the category of the travel insurance claim, the insurance provider may request additional documents and information as per the requirement of the situation
How to Dispute the Emirates Travel Insurance Claim in Case of Denials?
Policyholders can contact customer service to dispute Emirates travel insurance claims in case of denials through any of the two ways mentioned below –
- Call 800 772 and inform the department about the issues you are facing. The customer service department can resolve your concerns within 24 hours.
- As an alternative, you can contact the customer service department through email – the mail ID for the same is feedback@ae.rsagroup.com
If you are not satisfied with the solution or yet to receive the resolution within 8 weeks of submitting the complaint, you can contact the Chief Operating Officer by sending a mail to feedback@ae.rsagroup.com
Tips for Hassle-Free Emirates Travel Insurance Claim Submission
To ensure that your Emirates travel insurance claim submission is seamless to the greatest possible extent, take note of the following tips –
- Providing inaccurate information or hiding any may result in Emirates travel insurance claim rejection
- If the provider requires additional documents, submit them as per the deadline
- Notify the insurance provider as soon as the event occurs during your trip – the sooner you initiate the claim, the faster you will get the required aid
- Contact the insurance company directly to get updates on your Emirates travel insurance claim request
- Before submitting a claim, examine your policy schedule and wording to check whether the damage or loss is covered under the policy
- Occasionally, the provider will appoint an agent to settle the claim. It is advisable to give accurate details to the agent for a fair settlement of the claim.
- Filling out the Emirates travel insurance claim form with accurate details is essential to avoid discrepancies, which can substantially lead to claim rejection
- Keep your documentation stack ready while filing a claim. Any false documents or missing relevant documents may result in a claim rejection.
- For travel policies, quote the policy number from your policy schedule or the certificate issued to you while contacting the customer support team
- Check the maximum limit for each benefit to avoid denied Emirates travel insurance claims
Generally, Emirates NBD responds within 24 hours, provided the insured individual submits all the required documents and accurate details.
Yes, you contact Policybazaar UAE for Emirates travel insurance claim assistance.
Emirates travel insurance provides round-the-clock assistance for any medical emergency worldwide. The policyholder can contact the International S.O.S. (Gulf) W.L.L. by dialling +33 1 55 63 33 01.
The policyholder must submit the reimbursement claims within 14 days of incurring the loss for which they plan to get reimbursed.
Yes, you can pay for the emergency medical expenses out of your pocket and later apply for reimbursement with Emirates travel insurance claims.
