When you submit your claim, you have to provide certain documents for us to be able to assess and settle your claim.
For medical claims you will usually need original medical reports, medical accounts and receipts and English translations of all documents. For personal belongings claims you will usually need a police report, proof of your ownership and value of the items and English translations of all documents.
What happens if I don't have original receipts?
When we receive a personal belongings claim, you have to provide proof of your ownership and the value of the items. We understand that you might not be able to produce such receipts for each and every item, but you still have to 'tip the balance' and should be able to provide evidence of ownership where you could be reasonably expected to have such evidence.
Typically, we accept photographic evidence, warranty cards, manuals, receipts, bank or credit card statements as proof of ownership, and/or a statutory declaration attesting to ownership. In the end, common sense prevails and you should ask yourself - does this conclusively prove that I owned this item?