How does travel insurance claims work in Sri Lanka if I need medical care?

Most travel insurance policies require you to pay upfront for medical care and then claim reimbursement later. Keep all receipts, medical reports, and documentation. Some policies have direct billing arrangements with certain hospitals — check with your insurer before travel. Private hospitals in major towns can provide the necessary paperwork for claims. Contact your insurance provider as soon as possible if you need medical care, as they can guide you on the process and required documents. Having digital copies of your policy and emergency contact numbers is helpful. Most claims are straightforward if you have proper documentation, but processing can take time after you return home. It's worth understanding your policy's medical coverage limits and requirements before traveling.