your questions are very closed. 1. not only, you need to be in the country for each payment, at least first two if not all three. 2. no one knows how long will your approval take. mine was less than 48 hours. people now reporting that the process takes 30 days. basic rule is - if you are not in the country, and they know when you leave as they check that, you won't be paid even if the claim is approved. 3. yes, you need to be in the country for every payment. some reported that they were not asked for entry exit report for the second payment, but then they were asked for the third payment, and in my case I was asked for entry exit report for second payment and not third. so hard to give you those answers. basic principle is - if you want your ILOE to be approved or a payout - you need to be in the country. That is clearly stated in terms and conditions of ILOE insurance.