I need to get my bike repaired at a nearby garage because I met with a minor accident while I was travelling to work. I need this done fast. Since the local garage is not on the partner list of my insurer, will I be eligible to file a claim?
You should first intimate the claim to your insurance company, get the damaged vehicle surveyed by the surveyor, and then submit the required documents for the claim process. If you get your vehicle repaired at the partner workshops of the insurance company, you will get cashless facility i.e., you will not need to pay out of your own pocket after repair. However, if the vehicle is repaired at other workshops, you will have to make the full payment first and then the insurance company will reimburse you after you have submitted all the required documents. Please ensure that you get the damage surveyed by the surveyor appointed by the insurance company before starting repair work.
I am 18-year-old and am migrating to UK to pursue further studies. If I land up having a health emergency abroad, will my existing health plan in India provide adequate cover?
First, check your existing health plan to see if it covers worldwide hospitalisation and offers emergency medical assistance for the desired duration and location. Most locally sold policies do not cover hospitalisation costs outside India, except maybe emergency hospitalisation during short-term travel. Also, students going abroad are asked by their universities to buy a health plan having minimum pre-defined coverages or benefits. Your existing plan may not be sufficient to take care of your university’s requirement. Seek confirmation from your insurer regarding the benefits available outside India to ensure you do not end up with inadequate coverage.
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