Please keep the original receipt(s) and other claim documentation for 6 months from the claim completion date. AXA reserves the right to request additional information/documentation to support each claim.

1. Medical Expenses

Please provide:

• Full description of the sickness or injury sustained on the claim form(s)
• Hospital/medical bill(s)/receipt(s) with clearly marked diagnosis and certified by the attending physician

2. Personal Accident

Please provide:

• Full description of the sickness or injury sustained on the claim form(s)
• Doctors report of certification on the extend of the injury
• In the event of a death claim, please contact us for further guidance

3. Baggage and Personal Effects

Please provide:

• Full description of the incident and the list of claim items which you are claiming for on the claim form(s)
• Loss/damage report(s) from the relevant authorities e.g. airline, hotel or the Police
• Photos showing the extend of damage to the property (if applicable)
• Repair receipts of the damaged property (if applicable)
• All receipts and/or warranties relating to the lost/damaged property if they require replacement

4. Baggage Delay

Please provide:

• Full description of the incident on the claim form(s)
• Confirmation from the airline that the baggage was delayed abroad for more than 6 hours, with reason(s) stated
• Invoices/receipts for the purchase of essential items

5. Personal Money and Travel Documents

Please provide:

• Full description of the incident on the claim form(s)
• Loss report from the Police
• Supporting documents showing the value of the amount of cash lost e.g. exchange slip etc.

6. Personal Liability

Please provide:

• Full description of the incident on the claim form(s) irrespective of whether you have received a claim from the third party or not
• Photos showing the scene of the accident, its environment and the extend of the third party property damaged and/or third-party bodily injured, if possible
• Third party correspondence(s), summons or writs received in relation to the incident should be forward to us immediately 
• Remarks: No liability should be admitted, offered or promise of payment made to the third party without the company’s approval.

7. Travel Delay, Trip Re-routing, Missed Journey and Overbooking

Please provide:

• Written confirmation from the airline, if the flight is delayed for more than 6 hours, indicating the total number of hours delayed and reason(s) for such delay
• Copy of the itinerary, air ticket and boarding pass

8. Loss of Deposit, Cancellation of Trip and Trip Curtailment

Please provide:

• Reason(s) for the cancellation or curtailment of the trip together with all relevant supporting documents
• Booking invoices together with confirmation from the relevant authorities regarding the amount refundable tor any prepaid costs or deposits made

9. Education Fund

Please provide:

• Medical report of the insured student’s parent or guardian
• Proof of relationship between insured student’s parent or guardian and the insured student

10. Temporary Accommodation

Please provide:

• Relevant authority report, e.g. police report supporting the reason for the overseas premises of the insured student being rendered uninhabitable
• Receipts for the cost of temporary accommodation and/or additional expenses at a hotel, lodging house or boarding house

11. Student Interruption

Please provide:

• Medical report certifying the insured student is unable to continue his / her education due to serious injury or illness
• Confirmation from overseas education institution showing the period of absence and the amount of irrecoverable portion of forfeited tuition fee
• Receipts for additional tuition fee for re-attending missed course after recovery, if any