I travelled by air from India to Russia, when I reached Moscow I came to know my baggage was lost/delayed in layover. I had the baggage policy of Tbank, sp I raised a claim. On 21st of September, Alina, manager of T-Insurance contacted me. I wrote her about my problem and had already submitted all required documents, it was easy process and everything was done online. Later I got the confirmation about the compensation T-Insurance offered me, which was 150$ for delayed baggage. Money was directly credited to my T-bank account soon after I confirmed all the details and documents on 23rd of September. I am very glad I had the T-Insurance policy and they helped me very well, the process was very smooth and fast. Thankyou T-bank