How do I file a travel insurance claim with Zurich Kotak?

File your Smart Travel claim through Europ Assistance India by calling the 24x7 helpline on +91 22 6734 7863 (rest of the world) or 1833 470 4228 (USA, toll-free), or by emailing zurichkotakclaims@europ-assistance.in. Intimate a hospitalisation within 24 hours of admission. For reimbursement claims, notify the insurer and submit all required documents within 30 days of the date of loss.

What documents do I need for a travel insurance claim?

Keep your policy copy or certificate, passport and visa pages, completed claim form, and original bills or receipts ready. Additional documents depend on the claim type, such as doctor reports and hospital bills for medical claims, airline or police reports for baggage or passport loss, cancellation invoices for trip cancellation, and airline confirmation for travel delays.

How long does a Zurich Kotak travel insurance claim take to settle?

Europ Assistance reviews and processes your claim after receiving all the required documents. For reimbursement claims, submitting the documents within 30 days of the date of loss helps ensure timely processing.

Can I claim for a medical emergency abroad?

Yes. Smart Travel covers medical emergencies abroad. You can use cashless treatment at a network hospital by contacting Europ Assistance before or at the time of hospitalisation, or choose reimbursement by paying the expenses first, keeping all bills, and submitting a claim afterward.

What is not covered when I make a travel claim?

Common exclusions include claims outside the policy period, undeclared pre-existing conditions, losses resulting from unlawful or reckless acts, delayed claim intimation, and incomplete documentation. Refer to the policy wording for the complete list of exclusions and claim conditions.

Travel Insurance Claims – Zurich Kotak General Insurance

Why travel insurance matters

Traveling is an exciting experience, but it can also come with unexpected challenges, medical emergencies, trip cancellations, lost baggage, or even flight delays. That’s where Zurich Kotak’s Smart Travel policy steps in. Designed to protect you from unforeseen expenses while you're abroad, this travel insurance ensures peace of mind so you can focus on enjoying your journey.

Whether you're traveling for leisure, business, or education, having travel insurance is essential. It offers financial protection and helps to access emergency services when you need them most, especially in unfamiliar environments.

When to notify us

Tell us as soon as something goes wrong. For a medical emergency or hospitalisation, intimate your claim within 24 hours of admission. For a reimbursement claim where you have already paid, notify us and submit your documents within 30 days of the date of loss. Early intimation lets Europ Assistance coordinate treatment and speeds up your settlement.

How to file your claim

You can start a Smart Travel claim two ways: call the 24x7 Europ Assistance helpline, or email zurichkotakclaims@europ-assistance.in . Use the number for your location: +91 22 6734 7863 for the rest of the world, or 1833 470 4228 (toll-free) from the USA.

Documents you will need

Keep a core set ready for any travel claim: your policy copy or certificate, your passport and visa pages, the completed claim form, and original bills or receipts. Add documents specific to your claim type:- Medical: doctor's report, hospital discharge summary and itemised bills, prescriptions and pharmacy receipts (see international medical claims ).- Baggage loss or delay: the airline's Property Irregularity Report, and for theft a police report (FIR).- Passport loss: the police report (FIR) and proof of the cost of obtaining an emergency or replacement passport.- Trip cancellation: the cancellation invoice and proof of the reason (for example a medical certificate).- Trip delay: the airline's written confirmation of the delay and its duration.Your policy wording and claim form list the exact documents for your situation, so check them and keep originals. For a step-by-step walkthrough, see our full claims guide .

Cashless vs reimbursement

Cashless means Europ Assistance settles the bill directly with a hospital in its overseas network, so you do not pay upfront. Reimbursement means you pay first, keep every bill and receipt, and claim the amount back afterwards. For a medical emergency abroad, call the helpline first so cashless treatment can be arranged. A comprehensive cover that pays these claims makes both routes available.

Settlement timeline

Once Europ Assistance has all your documents, it reviews and processes the claim. For reimbursement, submitting your documents within 30 days of the date of loss keeps things moving.

Common reasons claims are rejected

Most avoidable rejections come down to a few things: intimating the claim after the notification window, missing or incomplete documents, claims that fall outside the policy period, undeclared pre-existing conditions, or losses arising from unlawful or reckless acts. Read your policy wording before you travel, declare what you need to, and keep to the notification windows to give your claim the best chance.

Claim process for Smart Travel (retail/individual policies)
Cashless claim process	Reimbursement claim process
If you require hospitalization during your trip, follow these steps to initiate a cashless claim:	If you’ve already paid for services and need to file a reimbursement claim, follow these steps:
Step 1 Intimate us about your claim within 24 hours of admission by: • Call 18334704228 (for USA) • Call +91 22 67347863 / +91 22 69635366 (for rest of the world) • Email ID zurichkotakclaims@europ-assistance.in	Step 1: Intimate your claim by: • Call +91 22 67347863 / +91 22 69635366 • Email ID zurichkotakclaims@europ-assistance.in
Step 2: Submit the requested documents to initiate cashless processing. Our team will coordinate with the hospital to manage the expenses directly.	Step 2: Submit the required documents related to the coverage within 30 days of the date of loss. We’ll review and process your claim promptly.

In the event of claims:

Retail/Individual Policies
Overseas claim assistance (Cashless)
Assistance service provider	Name	Europ Assistance India Private Limited
	Contact number (overseas)
	For USA	1833 470 4228 (Toll-free)
	For the rest of the world	+91 22 67347863 / +91 22 69635366
	For India	+91 22 67347863 / +91 22 69635366
	Email Id	zurichkotakclaims@europ-assistance.in

Claim assistance (overseas reimbursement)/ (within India)
Assistance service provider	Name	Europ Assistance India Private Limited
	Contact number	+91 22 67347863 / +91 22 69635366
	Email Id	zurichkotakclaims@europ-assistance.in
	Correspondence address	Star hub building, No. 2, 7th floor, Near ITC Maratha, Andheri (East), Mumbai - 400059, Maharashtra, India.

Claim process for Group Travel Policies (ASEGO Insurance LLP)
Cashless claim process	Reimbursement claim process
If you require hospitalization during your trip, follow these steps to initiate a cashless claim:	If you’ve already paid for services and need to file a reimbursement claim, follow these steps:
Step 1 Intimate us about your claim within 24 hours of admission by: • Call: 1888 224 3035 (Toll-free for USA and Canada) • Call: +91 124 4498763 (for rest of the world) • Email ID: zurichkotak@falck.com	Step 1: Intimate your claim by: • Call: +91 24 4498763 • Email ID: zurichkotak@falck.com
Step 2: Submit the requested documents to initiate cashless processing. Our team will coordinate with the hospital to manage the expenses directly.	Step 2: Submit the required documents related to the coverage within 30 days of the date of loss. We’ll review and process your claim promptly.

Group Travel Policies (ASEGO Insurance LLP)
Overseas claim assistance (Cashless)
Assistance Service Provider	Name	Falck Global Assistance
	Contact numbers (overseas)
	For USA & Canada	1888 224 3035 (Toll-free)
	For the rest of the world (call back facility)	+91 124 4498763
	For India	+91 124 4498763
	Email Id	zurichkotak@falck.com

Claim assistance (overseas – reimbursement)/ (within India)
Assistance Service Provider	Name	Falck Global Assistance
	Contact Number	+91 124 4498763
	Email Id	zurichkotak@falck.com
	Correspondence Address	Falck Global Assistance
		Upper Floor, The Peach Tree, Block C, Sushant Lok 1, Sector 43, Gurugram- 122015, Haryana, India

FAQs

File your Smart Travel claim through Europ Assistance India: call the 24x7 helpline on +91 22 6734 7863 (rest of the world) or 1833 470 4228 (USA, toll-free), or email zurichkotakclaims@europ-assistance.in . Intimate a hospitalisation within 24 hours of admission; for a reimbursement claim, notify us and submit your documents within 30 days of the date of loss.

Keep the core set ready: your policy copy or certificate, passport and visa pages, the completed claim form, and original bills or receipts. Then add documents specific to the claim: for medical, doctor reports and hospital bills; for baggage or passport loss, the airline or police report (FIR); for cancellation, the cancellation invoice; for delay, the airline's written confirmation. Your policy wording and claim form list the exact documents for your claim.

Europ Assistance reviews and processes your claim once all documents are received. For reimbursement, submitting your documents within 30 days of the date of loss keeps processing moving promptly.

Yes. A medical emergency during your trip is exactly what Smart Travel is built for. You have two routes: cashless, where Europ Assistance settles directly with a hospital in its overseas network, or reimbursement, where you pay first, keep your bills and claim the amount back. For cashless treatment, call the helpline before or at admission so the hospital can be coordinated.

Common exclusions include claims outside the policy period, undeclared pre-existing conditions, and losses from unlawful or reckless acts. Claims can also be declined if intimation is late or documents are missing. Your policy wording lists the exact exclusions, so read it before you travel and keep to the notification windows.