Quick answer
In an emergency, call 911 if it's life-threatening. Otherwise call the insurer's 24/7 assistance number on the policy before getting treatment, so they can direct care and often pay the hospital directly. Keep every receipt and medical report, and call your advisor to help file the claim.
Step by step
Call 911 if it's life-threatening
Go straight to the emergency department. Treatment comes first.
Call the insurer's assistance line
Use the 24/7 number on the policy before treatment if you can; many policies pay less if you don't.
Tell your advisor
Call or WhatsApp Pankaj with the policy number and what happened.
Keep every document
Original receipts, medical reports, prescriptions and the hospital discharge summary.
Submit the claim
We help complete the claim form and send everything to the insurer, then follow up.
Why the assistance call matters
Most visitor and Super Visa policies require you to contact the assistance company before treatment, or as soon as reasonably possible. They confirm coverage, send you to a suitable clinic or hospital, and often arrange direct billing. If you don't call, some policies reduce what they pay — sometimes by 20% or more.
Walk-in clinic or emergency room?
For non-urgent problems — a fever, a minor injury, a prescription refill for a new issue — a walk-in clinic is faster and cheaper. Save the ER for real emergencies. The assistance line can tell you where to go.
Documents insurers ask for
- Completed claim form
- Itemized original receipts
- Medical reports and diagnosis
- Prescriptions and pharmacy receipts
- Passport and entry stamp
- Proof of payment, if you paid
We help with every claim
You're not left on hold with a call centre. Send us what you have and we'll tell you what's missing, submit the claim, and follow up until it's settled.
Save the assistance number in your relative's phone the day the policy starts.
Common questions
Will the insurer pay the hospital directly?
Often, yes, for larger bills — if the assistance company is called. Smaller bills are usually paid by you and reimbursed.
How long do I have to submit a claim?
Policies set a deadline, often 90 days to a year after treatment. Submit as soon as you can.
What if the claim is denied?
Ask for the reason in writing and talk to us. Many denials come down to missing documents or a misunderstanding we can help resolve, and every insurer has an appeal process.
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