Most common travel claims– what documents to submit
Our trip has been planned for weeks, if not months. We are ready to drop our work commitments and scoot off on a trip with friends and family. Ideally all will go as planned– a smooth take-off, days of trouble-free fun, and a safe return to home sweet home.
Given the issues of staff shortage after the pandemic period, and the sudden ramping-up of travel, there have been many reports of incidences of erratic flight timings and mishandled luggage.
According to the world’s leading aviation IT provider, SITA, in 2021 4.35 bags per 1000 passengers were mishandled, a jump of 24% from the year before. Of this 71% were delayed, 23% were damaged or pilfered, and 6% were lost or stolen*.
In the event of minor travel incidences (see below for some examples), you may notify your adviser and keep the relevant copies of documents to be submitted to make claims. For more serious events requiring medical evacuation, it’s best to call the insurer’s assist hotline.
Most common travel claims
1. Damaged baggage
Insurers may not pay the full sum to replace the bag, they may settle for a percentage of what is claimed.
What documents to keep:
· Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
· Damage report and/or acknowledgement slip from the airport or airline with the cause of damage (if any)
· Clear photographs of the damaged bag. If the bag has a known brand, this should be shown
2. Baggage delay
Insurers usually pay a sum for every 6 hours of delay.
What documents to keep:
· Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
· Delay report and/or acknowledgement slip from the airport or travel operator with the cause and length of delay
3. Travel delay
Insurers pay a sum of money for every 6 hours of delay.
What documents to keep:
· Scheduled and revised flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
· Delay report and/or acknowledgement slip from the airport or travel operator with the cause and length of delay
4. Outpatient medical expenses
Most of the medical expenses I have claimed are for outpatient treatment, whether they were incurred overseas or upon return to Singapore.
If treatment has not been sought overseas first, then medical treatment would have to be sought within a few days of returning to Singapore. The upper limits for claim would also be lower than that for overseas medical expenses.
What documents to keep:
· Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
· GP referral to a Specialist (for some insurers)
· Original medical bills and receipts
*2022 baggage IT insights by SITA
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
Published By:
Raymond Wee Sian Wen
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