How to Use Your Coverage
In most covered emergencies, we coordinate directly with the US hospital and arrange payment — so you typically don't need to front any money.
If your family member has a covered emergency in the US, we coordinate directly with the hospital and arrange payment — so they don't need to front any money, and you don't need to wire funds from India.
Why contacting us quickly matters: The sooner you call, the faster we coordinate with the hospital. Contact within 24 hours keeps your coverage fully active.
Why contacting us quickly matters: The sooner your family member calls (or you call on their behalf), the faster we coordinate with the hospital. Contact within 24 hours keeps the coverage fully active.
How It Works
Report Within 24 Hours
Contact the 24/7 Assistance Center within 24 hours of the incident. This is required — failure to report may result in denial of coverage.
Follow Center Instructions
Follow the Assistance Center's instructions before incurring any expenses or taking any initiative on your own.
Submit Documentation
Submit all required documentation within 30 days of your voucher expiry date.
BMI Insurance Claims (BMIIC) Reviews Your Claim
BMIIC reviews your claim within 5 business days and issues an approval or denial letter.
Receive Payment
If approved, payment is issued within 30 days via bank transfer, money order, or check.
Required Documents
- Passport copy
- Exit stamp from India
- Entry stamp at destination country
- Boarding pass or travel ticket
- For land travel: proof of border crossing (hotel receipt, car rental agreement)
- Itemized medical bills and doctor's report / diagnosis
- Police report (if accident)
- Receipts for any out-of-pocket expenses
Important Notes
Report Within 24 Hours — Required
You must report to the 24/7 Assistance Center within 24 hours of any incident. Failure to do so may result in denial of coverage.
Direct Hospital Payment — When Available
When you contact the Assistance Center, BMI will coordinate direct billing with the hospital whenever possible. Pre-authorization is required for any non-emergency care. Direct payment is not guaranteed at all facilities — some hospitals may not accept direct billing, in which case you'll pay out of pocket and submit a claim for reimbursement.
Keep Copies of Everything
Keep copies of all documents submitted for your records. Submit all documentation within 30 days of voucher expiry.
Policy Extensions
Need to extend your coverage? Request an extension via info@bmitravelassist.com at least 5-8 days before your policy expires.
Claims Support Contact
USA (24/7)
Assistance Email
Billing Issues