TW Trip 75: How to file a claim

Last updated: August 24, 2026

Explains how to file a claim ("Sinistro") under Terrawind TW Trip 75 / TW Trip Study 75 with underwriter Generali Brasil Seguros: the duty to notify promptly, the general documents required for every claim (claim form, RG or CNH, CPF, proof of address, Bilhete, trip proof, other-insurance declaration, credit authorization) and the extra documents for medical, hospital, or dental claims. It also states the 30 calendar day settlement deadline, when that clock is suspended, the 3-member medical board proposed within 15 days for medical disputes, and single-installment payment in Brazilian currency.

Claims on TW Trip 75 / TW Trip Study 75 are handled by the underwriter, Generali Brasil Seguros (SUSEP Process No. 15414.648189/2023-26).

Notify Generali

You must notify the insurer of the claim ("Sinistro") as soon as you become aware of it, and take any immediate steps to reduce its consequences. Failing to notify can result in loss of the right to indemnification. Prior notice is not required for reimbursement-only coverages, but proof of the event is still required.

General documents required for every claim

  • Original claim notification form, fully completed and signed by the insured, beneficiary, or legal representative.
  • Simple copy of the insured's ID card (RG) or driver's license (CNH).
  • Simple copy of the insured's CPF (or the CPF number).
  • Simple copy of proof of address issued within the last 3 months, in the insured's name.
  • Simple copy of the policy certificate ("Bilhete de Seguro").
  • Proof of the trip (vouchers, tickets/e-tickets, hotel reservations, contracts, and passport).
  • Signed and dated declaration stating whether other insurance covers the same expenses.
  • Credit authorization form, completed and signed, for the bank deposit of the reimbursement/indemnification.

If a beneficiary other than the insured is entitled to payment, also add: the beneficiary's full bank details and proof (for example, a bank card copy or account statement header); a simple copy of the beneficiary's RG/CNH and CPF; proof of address issued within the last 3 months; and a signed credit authorization form.

Additional documents for medical, hospital, or dental claims

  • Police report, if applicable.
  • Original receipts and/or invoices for the covered medical, hospital, and/or dental expenses.
  • Driver's license (CNH), if the claim involves a vehicle driven by the insured.
  • Medical or dental report completed and signed by the attending professional, dated, showing their license number (CRM/CRO or foreign equivalent), and describing the diagnosis and treatment.
  • Reports and images of any exams performed.

Medical or dental reports issued by the insured, their spouse/partner, or a family member are not accepted, even if that person is a licensed physician or dentist.

Keep all original receipts and invoices. Copies of the required documents should be simple copies (unless the insurer requests otherwise), and originals of exams and medical reports should be dated and signed by the attending professional.

Submitting documents

Send the completed forms and supporting documents to Generali through the channel indicated on the policy certificate or the insurer's website. Documents for expenses incurred abroad are accepted in the language of the country where the event occurred; any translation costs are paid by the insurer.

Claim settlement timeline

  • Generali has a maximum of 30 calendar days to settle the claim, counted from the date all required documents (general and coverage-specific) are submitted.
  • If Generali reasonably needs more information or documents, it must request them formally. The 30-day period is then suspended and resumes the business day after all requirements are met.
  • If there is a well-founded medical dispute (for example, about the cause, nature, or extent of an injury, or a disability assessment), Generali will propose, within 15 days, a 3-member medical board: one doctor appointed by the insurer, one by the insured, and a third tie-breaking doctor chosen by the first two. Each party pays its own doctor; the third doctor's fee is split equally.
  • Payment is made in a single installment, in Brazilian currency, based on the sum insured in force on the date of the event, and updated/converted according to the policy's rules where applicable.
  • Reimbursement for expenses paid abroad is converted at the official selling exchange rate on the date of payment, up to the insured capital.

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