The best time to build an insurance claim is before you leave the hospital, police station, airline desk, or hotel. Once you move to another city, getting a missing official stamp or itemized bill can be much harder.
Call the insurer early when the policy requires pre-authorization. Record the case number and the name or time of the call. Coverage depends on your policy, not on a generic checklist.
For medical treatment
- Diagnosis certificate and clinical notes.
- Prescription, test results, and discharge record.
- Official invoice and itemized charge list.
- Proof of payment and exchange-rate evidence if requested.
- Passport and travel dates.
请给我正式发票、诊断证明和费用清单。
Pronunciation: Qing gei wo zhengshi fapiao, zhenduan zhengming he feiyong qingdan.
Please give me an official invoice, diagnosis certificate, and itemized bill.
For theft or loss
- Police report or loss report.
- Proof you owned the item: receipt, serial number, photo, or card statement.
- Carrier, hotel, or platform report where relevant.
- Replacement receipts.
For baggage or transport disruption
- Boarding pass, ticket, baggage tag, and booking confirmation.
- The airline or railway irregularity report.
- Written delay, cancellation, or damage confirmation.
- Receipts for reasonable emergency purchases.
- Photos of damage before repair or disposal.
Before submitting
- Photograph every paper flat and clearly.
- Keep originals until the claim closes.
- Translate only if the insurer asks, and keep the Chinese original beside it.
- Match each expense to the date and reason.
- Submit before the policy deadline.
FAQ
Is a payment screenshot enough?
Usually not by itself. It proves payment but not the diagnosis, item, or reason.
What if the airline loses my bag?
Report it before leaving the baggage area and keep the irregularity record and baggage tag.