ihi / Bupa Travel Insurance FAQ

Q: If I am hospitalised abroad, will IHI /Bupa directly settle the hospital bill?

A: If you are hospitalised, you do not need to pay for the treatment yourself. Please notify IHI / Bupa Medical Centre (24 hour service) immediately in order for them to send a guarantee of payment to the hospital. Without contacting IHI / Bupa first, your claim may not be settled directly.

Q: If I fall sick abroad and need to see doctor, will I have to pay and then claim re-imbursement?

A: Doctors bills and medicine expenses for outpatient treat must be paid by yourself before claiming re-imbursement. A completed medical claim form should then be sent to IHI / Bupa. You can download a claim form from www.ihi.com or request it from your travel agent.

Q: How to report a claim?

A: Please complete the medical claim form with as much detailed information as possible and send it to IHI / Bupa together with all relevant original documentation such as receipts and itemised doctor’s bills, expenses for medicine, treatment, and flight tickets/travel proof documents.

Q: How to report a baggage claim?

A: Please complete a baggage claim form with as much detailed information as possible and send it to IHI / Bupa together with all relevant original documentation such as receipts of items, lost baggage report/police report and flight tickets/travel proof documents. For delayed baggage please attach a carrier report stating baggage was delayed by more than 5 hours together with original receipts of items purchased prior to receiving the baggage.

Q: When do I need to contact IHI / Bupa to claim?

A:

1. IHI / Bupa should be notified immediately in case of death, hospitalisation, emergency, repatriation, medical evacuation/ repatriation or accompaniment, and such notification must include medical information about the illness/injury. Notification should be made by telephone or e-mail to the IHI / Bupa 24-hour emergency service.

2. You can claim even before you are back from the trip. The Claim should be reported to IHI / Bupa no later than 30 days after the expiry of the insurance, however they will accept late cases under certain circumstances.

Q: Can I get further assistance?

A: For your convenience, IHI / Bupa has a free online live active assistant on www.ihi.com which can help you with any queries, please quote your policy number; or please contact the IHI / Bupa local representative in Dubai, UAE.

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