Travel insurance claims for Sri Lanka can become complicated when travellers are unclear about which documents insurers require for claim verification. Missing reports, unclear medical bills, or delayed confirmations often create problems during claim review.
Understanding how to document proof correctly for each type of Sri Lanka travel insurance claim helps prevent issues and keeps the claims process clear and manageable.
Core Documents Mandatory for Every Claim
Most claims begin with the same base set of paperwork. Keeping these ready makes it easier to add claim-specific proofs later.
- Completed claim form with signature
- Copy of policy schedule or certificate of insurance
- Copy of passport and entry or exit stamps relevant to the trip
- Visa copy, if applicable to the journey
- Confirmed travel itinerary with booking references
- Bank account details for reimbursement
Proof Required for Medical Insurance Claims in Sri Lanka
Medical claims require documentation that demonstrates clinical necessity, outlines the care timeline, and provides complete details of charges and payments.
- Consultation notes detailing symptoms, diagnosis, and advised treatment
- Discharge summary with dates and final diagnosis
- Itemised hospital bill with official stamp and patient details
- Pharmacy bills and receipts for medicines purchased
- Follow-up notes, if the claim includes a post-treatment review within the covered trip period
Documentation for Baggage Loss, Theft, or Delay Claims
Baggage claims depend heavily on third-party confirmation. Reports issued by the airline or authorities create a reliable record of loss, theft, or delayed delivery.
- Property Irregularity Report or equivalent airline incident report
- Written confirmation from the airline stating status (lost, delayed, damaged) and dates
- Itemised list of missing or affected items with approximate values
- Purchase receipts are available for higher-value items if required by the policy terms
- Police report for theft, with date, location, and incident details
- Photographs of damaged baggage and contents, if claiming damage
Proof Needed for Trip Delay or Cancellation Claims
Trip disruption claims are decided on cause and duration, supported by official confirmation. The aim is to establish that the delay or cancellation occurred and that costs were genuinely incurred or forfeited.
- Written confirmation from the airline, railway, or transport provider stating the delay or cancellation
- Revised itinerary or rebooking documents showing new departure times
- Boarding pass or check-in confirmation for the affected journey, if available
- Proof of prepaid, non-refundable expenses being claimed
- Cancellation invoices issued by the service provider
- Documents supporting the stated reason where the policy requires it
- Proof of refunds received or pending, if any, to avoid duplication during assessment
Passport Loss or Theft Documentation Process
For passport-related claims, insurers usually look for a clear record from the first report of loss through to replacement. Missing steps can make it hard to verify timing and legitimacy.
- Police report or complaint acknowledgement with the incident date and place
- Application acknowledgement for replacement travel document or passport
- Copy of the old passport, if available in records, including visa pages
- Copies of entry stamps or travel tickets showing where the loss occurred during the trip
- Receipts for fees paid for replacement documentation, if covered under the policy
- Written statement describing the incident, aligned with the police and consular records
How to Organise and Submit Claim Documents Correctly
Good organisation may help prevent missed pages and reduce follow-up requests. It also supports better decisions when comparing the best travel insurance options for future trips.
- Arrange documents in the same order as the claim form sections
- Keep originals safe and submit copies unless originals are specifically requested
- Use clear scans with readable stamps, dates, and invoice numbers
- Match names across documents (passport, bookings, bills, bank details)
- Highlight key dates on provider letters, reports, and medical summaries
- Avoid mixing multiple incidents in one file set unless the insurer asks for a combined submission
- Submit complete itemised bills rather than only total summaries
- Save submission acknowledgements, reference numbers, and follow-up emails for record-keeping
Conclusion
Strong documentation turns a stressful incident into a clear, verifiable claim file. When proofs are aligned to the claim type, it becomes easier to show what happened, when it happened, and what costs are being requested. Keep records consistent, readable, and supported by third-party confirmations wherever possible. With Sri Lanka travel insurance, a well-organised submission also reduces avoidable queries, as the insurer can quickly link incident details to travel dates, policy benefits, and confirmed expenses.