Medical expenses: In the event of sudden illness or injury of the insured person outside the usual country of residence, insured has to call the Europe Assistance prior to his admission. Assistance will guarantee the direct payment subject to any deductible.
Theft: you must provide written proof from the police that the incident has been reported.
Baggage delay: written proof of the delayed delivery must be obtained from the airline.
P.S: For all claims, please refer Europe Assistance