If you have to submit a file, whatever its nature, you have to complete the claim form you were given with your Security Pass'port and your Insurance Card.

This document is very important, since without a completely filled out claim form, payments cannot be made.

USEFUL TIPS TO FILE A CLAIM

MEDICAL / DENTAL

If I am sick, or if I have an accident, "what shall I do ?"
  1. We recommend that you call the Alarm Center (free phone number – or collect call), stated on your insurance card) so that the Assistance staff can refer you to a MD who is close to your area and who is part of their network. The medical network is only available in the USA.
    Those physicians/medical centers/hospitals accept assignment which means that they will bill the Claims office so that you do not have to pay cash for the visit (provided care is covered under the policy).
  2. Submit to AVI Claims the following documents :
    • completed and signed claim form (front page)
    • original medical invoices and medical notes (if any)
    • original pharmacy stickers/labels
    • xrays (for dental claim)
LUGGAGE ( if coverage is included in your policy)

A. THEFT :
In case of a robbery, "what shall I do ?"
  1. You MUST report the theft/assault IMMEDIATELY to the Police
  2. Submit to AVI Claims (within 5 days of the loss) the following documents :
    • completed and signed claim form (section 1, 2 front page and 5, 6 back page)
    • police report
    • list of the stolen items, with date of original purchase and original price
    • invoices of the stolen items (essential for valuable goods, such as camera, CD player…….)


B. BAGGAGE DELAY to your Host Country :
In case the checked luggage is delayed by the Transportation Company, "what shall I do ?"

  1. You MUST report the delay to the Airport Claims/Airlines Company Desk and request a copy of the PIR (Property Irregularity Report)
  2. If the delay is over 12 hours , submit to AVI Claims the following documents :
    • completed and signed claim form (section 1, 2 front page and 5, 6 back page)
    • copy of your flight ticket (stating the departure and arrival details)
    • P.I.R.: report which you are given when you report the luggage delay to the Airport Claims/Airlines Company Desk
    • delivery receipt (form which states the date and time of the luggage delivery)

C. LOST LUGGAGE
If the checked baggage is lost by the Transportation Company, "what shall I do ?"
  1. You MUST report the loss to the Airport Claims/Airlines Company Desk and request compensation from them.
  2. Since AVI is secondary to the Airlines Company, you MUST submit to AVI Claims the following documents :
    • completed and signed claim form (section 1, 2 front page and 5, 6 back page) with list of the lost items, date of original purchase and original price
    • copy of your flight ticket (stating the departure and arrival details)
    • P.I.R. (Property Irregularity Report) : report which you are given when you report the luggage loss to the Airport Claims/Airlines Company Desk
    • copy of the compensation check issued by the Airlines Company (as per the Warsaw Convention, any passenger of an international flight is entitled to compensation from the Airlines Company when the checked baggage is lost. Luggage is considered lost by the Airlines Company after 21 days of the flight). Their compensation is based on the checked weight of the suitcase(s). This is usually about US $ 20.00 per kilo.

Note : in the case your claim with the Airline Company is denied because it was not submitted in a timely manner, AVI will also deny your claim for the same reason.

D. DAMAGED luggage
If the checked baggage is damaged by the Transportation Company, "what shall I do ?"
  1. You MUST report the loss to the Airport Claims/Airlines Company Desk and request compensation from them.
  2. Since AVI is secondary to the Airlines Company, you MUST submit to AVI Claims the following documents :
    • completed and signed claim form (section 1, 2 front page and 5, 6 back page)
    • P.I.R. (Property Irregularity Report) : report which you are given when you report the luggage damage to the Airport Claims/Airlines Company Desk
    • invoice of the damaged suitcase. If no invoice, date of original purchase and original price
    • copy of the compensation check issued by the Airlines Company.
      When a suitcase is damaged, the Airlines Company may propose repair or replacement .

Note : in the case you do not report it to the Airline Company or if the claim is denied because it was not submitted in a timely manner, AVI will also deny your claim for the same reason .


PERSONAL DELAY to your Host Country ( if coverage is included in your policy)

In case the flight (at departure to the Host Country) is delayed for more than 8 hours , "what shall I do ?"
  1. You MUST report the delay to the Airport Claims/Airlines Company Desk
  2. Submit to AVI Claims the following documents :
    • completed and signed claim form (section 1, 2 front page and 5, 6 back page)
    • copy of your flight ticket (stating the planned departure and arrival details)
    • statement from the Airlines Company stating the exact date and time of arrival and the reason for the delay.


THIRD PARTY LIABILITY ( if coverage is included in your policy)

A. DAMAGE to property :
In case of unintentional damage to a third person's property, "what shall I do ?"
  1. If you cause damage to your host family's home, you MUST report the damage to their home owner/tenant insurance company, since AVI is secondary to this insurance.
  2. Submit to AVI Claims the following documents :
    • completed and signed claim form (section 1, 2 front page and 5, 6 back page)
    • copy of the host family insurance compensation or denial statement from their insurance agent (if damage to your host family's home only)
    • invoice of the damaged item, if any, otherwise the original date of purchase and original price
    • estimate for the repair of the damaged item
    • pictures of damage (when important loss)


B. ACCIDENTAL INJURY to a third person :
In case of an unintentional injury to somebody, "what shall I do ?"
  1. Submit to AVI Claims the following documents :
    • completed and signed claim form (section 1, 2 front page)
    • statements from both you and the injured person with itemized circumstances (date-place…)
    • police report (if any), otherwise a written statement from any witness
    • invoices of the medical expenses, along with the medical reports



GENERAL INFORMATION :

Please attach all original invoices, receipts and bills related to your claim (photocopies, cash register receipts, statements of accounts,bank or charge cards statements are not accepted).

Send all of the above requirements within 2 weeks of the date of service or loss, together to the concerned office, as per information listed on chapter/key '24-hour alarm center'.

Please be advised that in order to process your claim, the insurance company may request information it deems necessary to honor your claim.
Whatever the benefit in filing a claim, you agree to release all information which the insurance company requires .
It is an obligation of the insured to let the Insurance Company, the Claims Office or the Emergency Center know of a loss as soon as the insured himself is made aware of that damage.
If this obligation is not fulfilled, the insured might be held liable if failure to observe this obligation has an influence on the settlement of the claim .


If you need additional claim forms, please download this document from this page.

If you do not have Acrobat Reader TM, you can download it here

After printing the claim form, please report your policy number in the dedicated box at the right top on the front page:

870.016 CPI