How to File an Insurance Claim with Roojai

For third-party damage

Third-party vehicle damages

• Surveyor’s damage report
• Copy of third-party insurance policy schedule (if any)
• Copy of third-party driver’s licence at the time of the accident
• Car repair quotation or receipt
• Copy of third-party car owner’s ID / passport

Third-party property damages

• Property damage repair quotation or receipt (for reimbursement)
• Copy of property owner’s ID

For third-party bodily injury & permanent disability

Third-party bodily injury

• Daily police report or investigator’s statement
• Claim form, contact card, or other documents issued by the company
• Copy of injured person’s ID / passport
• Copy of guardian’s ID (if the injured person is a minor)
• Medical certificate or doctor’s diagnosis
• Medical receipts or invoices (if any)
• Copy of injured person’s bank passbook

Loss of organs or total permanent disability

Use the required documents for injury cases, additional documents as follows:

• Medical certificate or doctor’s diagnosis (for loss of organs or total permanent disability)
• Disabled person’s card (if any)
• Court order appointing a guardian (if the injured person is legally incompetent or quasi‑incompetent)

For compulsory motor insurance claims

Bodily injury

• Copy of police report and case outcome
• Copy of injured person’s ID / passport
• Original medical receipts
• Medical certificate (if any)

Death

Prepare the following additional documents (on top of injury-case documents):

• Copy of death certificate or medical certificate of death
• Copy of heir’s ID

Permanent disability

Prepare the following additional documents (on top of injury-case documents):

• Disabled person’s card

Personal accident insurance claim documents

Download the accident insurance claim form, completing all required details, and signing it. Then attach the form together with the supporting documents relevant to your claim type:

• Accident‑related medical expenses
• Hospital daily income benefit
• Total permanent disability or dismemberment
• Accidental death

Accident‑related medical expenses

For group and personal accident insurance, you must submit your claim documents to Roojai within 30 days from the date you are discharged from the hospital, medical facility, or clinic. Please prepare the following:

1. The company’s completed and signed claim form
2. Medical report with symptoms, diagnosis, and treatment details
3. Certified copy of insured person’s ID / passport
4. Original receipts for medical expenses or summary statement with receipt
5. Additional documents requested by the company (if necessary)

Notes:

• If medical expenses are paid according to standard medical practices, the company will reimburse the actual amount paid, up to the policy limit specified in the policy or renewal certificate.
• Original receipts must be genuine proof of payment. If you need to use the originals for another claim, the company will return a certified copy confirming the paid amount.
• If the insured person has already received medical reimbursement from state benefits, other schemes, or other insurers, Roojai will pay only the remaining balance, up to the policy limit specified in the policy or renewal certificate.

Hospital daily income benefit

The insured must notify Roojai and submit the following documents within 30 days of discharge:

1. The company’s completed and signed claim form
2. Medical report confirming prolonged hospitalisation
3. Copy of medical expense receipts
4. Certified copy of insured person’s ID / passport
5. Additional documents requested by the company (if necessary)

Total permanent disability or dismemberment due to an accident

The insured must submit the following documents within 30 days from the date a doctor confirms total permanent disability or dismemberment:

1. The company’s completed and signed claim form
2. Accident-related medical report leading to permanent disability / dismemberment
3. Accident-related medical report confirming permanent disability / dismemberment
4. Certified copy of insured person’s ID / passport
5. Additional documents requested by the company (if necessary)

You can also refer to the full required document list on page 3 of the claim form.

Accidental death

The beneficiary — or legal heir if no beneficiary was named — must notify Roojai and submit the following documents within 30 days of the insured’s death:

1. The company’s completed and signed claim form
2. Certified copy of the death certificate
3. Autopsy & dissection report (certified copy)
4. Certified copy of police daily report
5. Accident-related medical report leading to death
6. Certified copy of insured person’s ID / passport & house registration (stamped “deceased”)
7. Certified copy of beneficiary’s ID / passport & house registration
8. Additional documents requested by the company (if necessary)

You can also refer to the full required document list on page 3 of the claim form.

Notes:

• The policy covers loss or damage caused by accidental bodily injury that results in death, dismemberment, loss of sight, or total permanent disability within 180 days of the accident.
• The company will pay only the highest applicable benefit under the coverage schedule for the entire policy period.

Cancer insurance claim documents

Filing a cancer insurance claim is essential if you are diagnosed with cancer or skin cancer. The company will provide a lump sum payout based on the sum insured specified in the policy. You must notify and submit all required documents to Roojai within 30 days.

Cancer diagnosis claim requirements

You will need to prepare the following documents:

1. Download the health insurance claim form, complete all required details, and sign it
2. Medical report detailing symptoms, diagnosis, and all cancer-related treatment
3. Certified copy of insured person’s ID / passport
4. A certified laboratory detailed biopsy report
5. Additional documents requested by the company (if necessary)

Death from cancer

The following additional documents are required:

6. Certified copy of the death certificate
7. Certified copy of the medical certificate of death
8. Certified copy of beneficiary’s ID / passport & house registration

Remark: For death benefit claims due to cancer, the insured must not have previously received a cancer diagnosis payout under the same policy. The company will provide a lump sum death benefit according to the sum insured, payable to the named beneficiary in the policy. All required documents must be submitted to Roojai within 30 days from the date of death.

Travel insurance claim documents

Common claims under a travel insurance policy include flight delays or cancellations, lost or damaged baggage, and medical expenses while travelling.

Download the travel insurance claim form, complete all required details, sign it, and submit it with supporting documents that matches your claim case.

• Medical expense
• Baggage delay
• Baggage damage
• Travel delay
• Lost baggage or personal belongings
• Trip cancellation or curtailment
• Rental car excess

Medical expense due to accident or illness during travel

1. The company’s completed and signed claim form
2. Copy of ID card or passport
3. Travel documents: E-ticket, airline ticket showing entry and exit dates from Thailand, boarding pass, or passport page with entry / exit stamps from Thailand.
4. Full medical report indicating key symptoms, diagnosis results, and treatment details.
5. Original receipt and itemised statement of expenses
6. Copy or photo of prescription and prescribed medications
7. Copy of the first page of the insured’s bank passbook

*If inpatient treatment is required, you can submit a claim immediately. We will coordinate with our international hospital network to provide cashless service, so you won’t need to pay upfront. Call +66(0)2 080 9194 or +66(0)2 079 6124

Baggage delay

1. The company’s completed and signed claim form
2. Copy of ID card or passport
3. E-ticket or a passport page with an immigration stamp showing the date of entry and exit from Thailand.
4. E-ticket or boarding pass for the actual flight in which the baggage delay occurred.
5. Baggage delivery confirmation letter from the airline indicating the date and time the baggage was received, and / or a photo showing the date and time of baggage collection.
6. Personal irregularity report issued by the airline, including bag tag number and insured person's name
7. Proof of compensation provided by the airline (if any)
8. Copy of the first page of the insured’s bank passbook

Baggage damage

1. The company’s completed and signed claim form
2. Copy of ID card or passport
3. E-ticket or a passport page with an immigration stamp showing the date of entry and exit from Thailand.
4. E-ticket or boarding pass for the flight during which the baggage was damaged.
5. Photographic evidence of the damaged baggage.
6. Personal irregularity report issued by the airline.
7. Original receipt for baggage repair, or details of the year of purchase, purchase price, and / or receipt for non-repairable baggage.
8. Copy of the first page of the insured’s bank passbook
9. Proof of compensation from other sources (if any), such as the airline, hotel, or other insurance policies.

Travel delay

1. The company’s completed and signed claim form
2. Copy of ID card or passport
3. E-ticket or a passport page with an immigration stamp showing the date of entry and exit from Thailand.
4. E-ticket or boarding pass for the flight during which the delay occurred.
5. Screenshot of SMS or email notification from the airline showing the first delay alert, including date and time received.
6. Personal irregularity report or official letter / email from the airline stating the reason for the delay.
7. E-ticket or boarding pass of the actual flight(s) taken
8. Copy of the first page of the insured’s bank passbook

Lost baggage or personal belongings

1. The company’s completed and signed claim form
2. Copy of ID card or passport
3. E-ticket or boarding pass showing departure and arrival flights from Thailand.
4. Police report and loss report issued by the airline or relevant authority, detailing the incident and damages.
5. Photographic evidence of robbery or physical damage (if applicable).
6. List of lost items
7. Proof of ownership of the lost items, such as photos, year of purchase, purchase price, and / or original receipts.
8. Copy of the first page of the insured’s bank passbook

Trip cancellation or curtailment

1. The company’s completed and signed claim form
2. Copy of ID card or passport
3. E-ticket or boarding pass showing pre-booked departure and arrival flights from Thailand.
4. Supporting documents for claims in cases of force majeure, such as medical certificates, death certificates, a copy of a court witness summons, or other relevant documents.
5. Proof of relationship between the insured person and the deceased or the person who is seriously injured / ill, in cases where the trip must be cancelled or shortened due to an incident involving a close relative.
6. Receipts for prepaid travel, accommodation, and additional expenses.
7. Proof of refund request and / or proof of non-refundable expenses.
8. Copy of the first page of the insured’s bank passbook or the estate administrator (in case the insured person is deceased), along with supporting documents proving the status as the estate administrator.

Rental car excess

1. The company’s completed and signed claim form
2. Copy of ID card or passport
3. Travel documents: E-ticket, airline ticket showing entry and exit dates from Thailand, boarding pass, or passport page with entry / exit stamps from Thailand.
4. Copy of the police report from the local police station where the incident occurred.
5. Any other documents or evidence as required by the company (if applicable).