Temporary Medical Insurance in Pakistan

Business Travels or holidays travelling is becoming part of now days.  Travel insurance provides adequate benefits which are handsome if in case there arises any problems.  Cover to be operative with a time period 3 hours before the scheduled flight departure time and 3 hours following arrival. Normal business travel insurance provides the following benefits for a 5 days travel plan. However many other plans are available which provide clear insight of what the companies are providing in the name of Travel Insurance.

1. Medical Expenses
2. Emergency Medical transport and repatriation of mortals remains.
3. Personal Accident (Death or disability)
4. Loss of Baggage
5. Loss of travel document

Before purchasing any plan please make sure that you have cleared the following points.

1. Check the cover and small print before you buy.
   People assume one travel insurance policy is the same as the next but a lot of disputes arise because people think they’re covered and discover too late that they’re not.
2. 2. Disclose any existing medical conditions
   Make sure that you have clearly mentioned any medical issue if any with you. So that in case of any problem/issues company can take steps easily.
3. Take a copy of the policy documents with you
   Most good policy documents will tell you the claim procedures to follow in the event of theft or loss, what you are covered for and most importantly who to call in an emergency.
4. Document any expensive items you take with you.
   Keep receipts for expensive items such as jewellery or cameras Laptops, Cell phone, Currency Exchange, you plan to take with you on holiday. Having proof helps enormously if you claim for these high value items
5. Report any thefts or losses quickly.
   If you feel that any of the document or any item is missing contact your insurance provider on the no’s provided on the policy document and make sure that you follow each step which is in the policy to get you claim amount easily.
6. Get the right documents ready for medical claims
   Before you leave check your policy document or contact the insurer to confirm what precise steps your insurance company requires you to take in a medical emergency. If you have to buy any treatments or medicines, again keep receipts and original prescriptions if possible.
7. When you get home
   Submit all supporting documentation via recorded delivery (keeping copies for yourself) as evidence of your claims and feel free to deluge the insurer with receipts, photographs and copies of any police or medical reports you have.
8. What to do if your claim is declined?
   Your first step is to appeal against the decision providing detailed and specific points for your argument backed up by any additional evidence. If you feel you have been poorly treated you can take your case to the Financial Service.

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