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Claims

Travel Insurance Claim

Travel Insurance Claim

Travel Insurance Claim

Report the loss to Seesam immediately after the occurrence of the insured event. A loss adjustment form can be completed directly on the Seesam homepage, by calling the contact telephone 628 1700, or by writing to kahjud@seesam.ee. From the menu selection below you will also find information about how to act following the occurrence of an insured event.

As a customer of the Luminor credit card, submit your travel insurance claims in the self-service environment or send an e-mail to luminor@ops24.eu.

Contacts
Phone: +372 628 1700 Email: kahjud@seesam.ee

What to do in case of an accident or illness:

  • After an accident or in the case of an illness, quickly visit a doctor.
  • Follow the doctor’s instructions.
  • If you pay for the medicinal products, doctor's visits, etc., yourself, keep all original documents certifying your expenses.
  • If you have become the victim of a crime, please contact the local police and ask them to prepare a report.
  • After you have returned Estonia, submit a travel insurance indemnity application and other required documents to Seesam within one month.

If you require hospital care or repatriation, then contact our international medical assistance partner OPS:

OPS 24h : +372 634 7363; seesam@ops24.eu; www.eclaims.eu

For Luminor credit card customers: luminor@ops24.eu

Necessary documents for applying for a travel insurance indemnity

To have medical treatment expenses indemnified, please submit:

  • a travel insurance indemnity application;
  • a copy of the policy that was valid during your trip;
  • a document certifying the incident (doctor's certificate, indicating a diagnosis, initial visit and time of treatment);
  • documents certifying the costs (original invoices for treatment expenses, transportation and the purchasing of medicinal products)

Upon cancellation of a trip, please submit the following:

  • a travel insurance indemnity application;
  • a copy of the policy that was valid during your trip;
  • a document certifying the incident (doctor's certificate upon illness, on which the diagnosis, initial visit and time of treatment are marked);
  • a copy of the certificate of incapacity for work submitted to the Health Insurance Fund for compensation (in case the insured person is an employed person);
  • documents certifying the expenses (payment receipts, tickets, etc. If you do not have the original invoices, you can submit a bank account statement);
  • a certificate from a travel company regarding the reservation, its cancellation and refunded/unrefunded expenses (fines).

If you are late for your trip or if your trip is interrupted, please submit:

  • a travel insurance indemnity application;
  • a copy of the policy that was valid during your trip;
  • a document certifying the event (a certificate of the transportation company regarding the causes of cancellation of the trip or the delay thereof, a document certifying the reason for interruption of the trip);
  • documents certifying the expenses (payment receipts, tickets, etc. If you do not have the original invoices, you can submit a bank account statement instead);
  • the planned and actual travel schedule (including precise departure and arrival times, destinations) in free form;
  • tickets for the planned and actual trip;
  • a certificate from a travel company regarding the reservation, its cancellation and refunded/unrefunded expenses (fines).

Luggage damage

  • Notify the local police of the robbery or theft of your luggage and ask for a certificate regarding the accident.
  • If your luggage has broken or been damaged during transport, immediately contact the transportation company, i.e. the guilty party, and demand compensation for the damage caused.
  • The insurance covers the portion of the damage that is not compensated by the transportation company.
  • Ask the organiser of transport for a certificate regarding the damage caused to the luggage.

To have luggage losses indemnified, please submit:

  • a travel insurance application for indemnity;
  • a copy of the insurance policy that was valid during your trip;
  • copies of your travel tickets;
  • a document certifying the event (a transportation company certificate, a police certificate)
  • a detailed letter of explanation prepared in free form, regarding what happened (in the event of the theft or robber of luggage);
  • a detailed list of lost or acquired items and documents certifying your expenses (purchase receipts; if you do not have the original documents, you may also submit your bank statement);
  • a transportation company certificate regarding the compensation that was paid