If you need to make a claim, the first step is to inform the insurance provider or the assistance service provider (ASP) about the incident as soon as possible. Depending on the claim type, you may need to submit various documents such as medical reports, FIR, cancellation proof, etc. Refer to the specific claim documentation table in this article for the required documents.

You must report your claim promptly. For medical and accidental claims, you should notify Digit within 7-15 days. For other claims, like baggage delays or trip cancellations, you should inform Digit within 15 days of the incident.

The required documents vary depending on the type of claim. For example, for medical claims, you will need medical reports, bills, and possibly an FIR in the case of accidents. Please refer to the section-specific documentation table above for details on what documents are required for different claims.

Yes, Digit Travel Insurance allows you to submit claims electronically via email or their online platform. You can upload all required documents (Claim Form, KYC documents, etc.) digitally to streamline the process.

If you are missing any required documents, it could delay the processing of your claim. It's important to provide complete documentation. If you cannot submit a particular document (e.g., FIR), inform Digit immediately, as some flexibility might be allowed depending on the situation.

Once all necessary documents are submitted, Digit aims to settle your claim within 15 days. If any documents are pending or additional investigation is required, it may take longer.

If your claim is rejected, you will receive an explanation from Digit regarding the rejection. If you believe the rejection is unjust, you can appeal the decision or contact the grievance officer. If you're still unsatisfied with the resolution, you may approach the Insurance Ombudsman.

Yes, incorrect or incomplete documentation can result in claim rejection. Always ensure that you provide accurate and complete documentation as specified in the claims process. If you're unsure, you can contact Digit's customer service for assistance before submission.

Claims are commonly rejected for reasons such as:

• Non-disclosure of pre-existing conditions.
• Failure to submit documents within the required timeframe.
• Claims not meeting the policy terms (e.g., excluded activities like adventure sports).
• The incident being caused by negligence (e.g., not wearing a seatbelt).

You can cancel your policy within the free-look period (30 days from the policy receipt date) for a full refund, minus any charges for medical examinations or stamp duties. If you wish to cancel after the free-look period, you may be eligible for a partial refund, depending on your coverage and the time remaining.

If you cancel your trip for personal reasons or change travel dates, the claim may not be covered under Trip Cancellation. However, if the cancellation is due to an insured event (e.g., illness, death, natural disasters, or government advisory), you can claim for expenses.

Claims are assessed based on the policy terms and the documents you provide. As long as you follow the procedure, provide all necessary documents, and the claim meets the terms of your policy, it is likely to be approved. You will receive regular updates from Digit on the status of your claim.

If your baggage is delayed or lost, immediately file a Property Irregularity Report (PIR) with the airline. You'll need to submit the PIR, baggage tags, and a written confirmation from the airline to process your claim for baggage loss or delay.

Yes, if your policy covers medical treatment and evacuation, you can claim for hospitalisation, treatment, and any related expenses. Ensure you keep all medical reports and receipts to submit with your claim.

If your passport is stolen, you should file an FIR and apply for a replacement with the authorities. The necessary documents (police report, receipts for emergency documents) must be submitted to claim under Loss of Passport.

Yes, if your travel is delayed due to inclement weather, strike, or operational issues by the carrier, you can claim for the extra costs incurred due to the delay (e.g., accommodation, meals).

Yes, if your policy includes coverage for bounced bookings, you may be able to claim the difference in cost for alternate accommodation or transport. You will need to provide proof of the booking, cancellation, and any compensation received.

Yes, maternity claims are subject to a waiting period, which can range from 0 to 9 months, depending on your chosen policy. Ensure you understand the specific terms regarding maternity coverage in your policy.

If your claim exceeds the coverage limits stated in your policy, you will be responsible for the additional costs. The insurer will only pay up to the maximum sum insured, as specified in your policy schedule.

For any claim-related questions or assistance, you can contact Digit’s customer service via:

• India: 1800-103-448
• International: +91-7799022308
• Email: travelclaims@godigit.com