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Baggage Delay
With baggage delay cover, travellers will get reimbursement for purchasing necessary items due to delay or misdirection of checked-in baggage. While travelling, luggage delay is probable, leading to add-on expenses for purchasing clothes or medicines. However, if you have a travel insurance policy with baggage delay cover, you can stay stress-free and get expenses borne by the insurer to purchase essential items.
How Does Baggage Delay Cover Work?
Your baggage might get into a different flight causing a delay in arrival or even loss. In such cases, the baggage delay cover will come handy and help you get compensation for the expenses incurred in buying essential items. Baggage Delay cover in travel insurance reimburses you for the checked-in baggage, which includes personal items such as clothes, toiletries and other essentials worn or used by you.
Benefits of Having Baggage Delayed Cover
- The insured person gets reimbursement of expenses made, to purchase essential items due to baggage delay.
- You can travel stress-free, as your insurer will ensure that you do not face any financial loss for buying essential items, if your baggage gets lost or delayed.
- You can make the claim for the expenses incurred in buying essential items by simply contacting Global Toll-Free No: +800 08250825. Our team is there to assist you 24x7.
Here are few benefits of having a baggage delayed cover:
What to Do If Your Baggage is Delayed?
As shown in the policy, you can file this claim if a common carrier delays your baggage for more than the specified period. The duration is counted from the time of your arrival at your destination. You can intimate claim to travelclaims@hdfcergo.com or call on Global Toll-Free No : +800 08250825.
Inclusions under Baggage Delay Cover in Travel Insurance
The insured person gets reimbursement of expenses made, to purchase essential items like medicines, toiletries, clothes, etc.
Example: Mr ABC has travelled to Istanbul, Turkey from Delhi, India, and his luggage having his necessary medicines has yet not reached baggage check-in. Due to this delay, he must purchase those medicines, as he cannot skip them. As Mr ABC had a travel insurance policy with baggage delay cover, he will get reimbursement for purchasing medicines.
Exclusions under Baggage Delay Cover in Travel Insurance
- Expenses incurred due to delayed baggage on chartered flights or the return journey are not covered under baggage delay cover.
- If the common carrier will provide any compensation, the coverage for expenses incurred due to luggage delay will not be covered.
- You will not get coverage for baggage delay cover if reimbursement of expenses is already done under the baggage loss section.
How to Claim Travel Insurance?
The claims process of HDFC ERGO travel insurance is straightforward. You can place a claim on your travel insurance online on cashless as well on a reimbursement basis.
Intimation
Intimate claim to travelclaims@hdfcergo.com and get a list of network hospitals from TPA.
Checklist
Medical.services@allianz.com will share documents required for cashless claims.
Intimation
Intimate claim to travelclaims@hdfcergo.com or call on Global Toll-Free No : +800 08250825
Checklist
Travelclaims@hdfcergo.com will share the checklist/documents required for reimbursement
Mail Documents
Claim documents along with claim form to be sent to travelclaims@hdfcergo.com or processing@hdfergo.com
Processing
Claim is registered by HDFC ERGO call centre executive on respective claims system.
Documents You Need to Claim Baggage Delay Compensation
- Claim form duly completed and signed by the Insured. (Describe the loss in Section D with mentioned total delay hours and baggage received to date and time is mandatory).
- Original Property Irregularity Report (PIR) mentioning the date and time of loss.
- Insured’s Indian bank cancelled cheque copy or bank account statement with A/c No, A/c holder name, Branch name and IFSC code
- Passport with Exit and Entry Stamp or Boarding Pass.
For delay of checked-in baggage claim, you need to submit the following documents:
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Frequently Asked Questions on Travel Insurance
1. Why is baggage delayed?
Baggage delays generally happen due to bad weather. When lightning or any other severe weather strikes, ground crews are ordered inside for safety reasons, which means it will take longer to get to your luggage and bring it indoors.
2. How does baggage delay insurance work?
Suppose your luggage is delayed by more than six hours; baggage delay insurance kicks in. It covers the cost of essential items like medicines, clothing and toiletries which you will need due to luggage delay.
3. What is covered under baggage delay insurance policy?
The insured person gets reimbursement of expenses made, to purchase essential items like medicines, toiletries, clothes, etc.
4. What do customers have to do if their bags are delayed while travelling?
In case of baggage delay, you can intimate claim to travelclaims@hdfcergo.com or call on Global Toll-Free No: +800 08250825.
5. How do I know if I qualify for baggage delay compensation?
As per the policy, you can file the claim for baggage delay if a common carrier delays your baggage for more than the specified period. However, expenses incurred due to delayed baggage on chartered flights or the return journey are not covered under baggage delay cover. Also, you will not get coverage for baggage delay cover if reimbursement of expenses is already done under the baggage loss section.
6. Will the Airline cover Baggage Delay?
If the common carrier will provide any compensation, the coverage for expenses incurred due to luggage delay will not be covered.
7. What can I claim for if I do not receive my baggage upon arrival at my destination?
If there is a baggage delay, you can claim for reimbursement of expenses made in buying essential items.
8. Can I get compensation for delayed luggage?
Reimbursement for only expenses incurred for buying essential items like medicines, toiletries, etc will be borne by the insurer.
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