Common claims questions

• How do I get Emergency Assistance overseas?
  

• Can I make a claim while I'm away?
  

  We recognise that you will probably be away for extended periods, so our claims system allows to submit claims and liaise with our claims people, while you are still away.

• Can I wait until I get home to make a claim?
  

  Yes. Provided the incident you are claiming for took place while you were travelling overseas and your policy was valid at the time, if you want to wait until you get home to submit your claim then that's fine.

• What can I claim for?
  

  MSIG offers cover for overseas medical expenses (expenses incurred overseas from your country of residence), medical evacuation and additional expenses, cancellation costs, funeral expenses, emergency dental treatment, luggage and personal effects, and personal liability. You should refer to the policy wording on this Internet site for the full description of benefits and exclusions.

• Does my insurance cover medical costs upfront or do I have to pay and claim later?
  

  In an emergency situation where hospitalisation and/or medical evacuation is required, the insurer covers these costs upfront (subject to the matter complying with the policy wording, of course). You would need to contact your relevant Emergency Assistance Service immediately to notify them of the situation. If it is not an emergency and the costs are not excessive then you would pay upfront and make a claim online once all treatment is complete.

• I don't have receipts for my personal items. Can I still make a claim?
  

  Yes. Please be aware though that when we receive a personal belongings claim, you will still be asked to provide proof of ownership for the lost or stolen items. We understand that you might not be able to produce such receipts for each and every item, but you still have to 'tip the balance' and should be able to provide evidence of ownership where you could be reasonably expected to have such evidence.

• Typically, we accept photographic evidence, warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails and you should ask yourself, "Does this conclusively prove that I owned this item?"