Travel insurance
Tourist insurance is issued to you domestic insurance companies, these companies usually do not have representatives in other countries. Therefore, in order to be able to cover the passenger’s expenses in accordance with the obligations of the insurance policy in the event of an accident and damage, he should seek help from SOS companies as intermediaries. Currently, authoritative humanitarian companies, such as Midest and …, cooperate with the country’s insurance companies and have contracts with more than 50,000 specialized Reiseschutz centers and Remed medical companies in different countries.
One of the most important factors in the quality of service of humanitarian companies is the presence of a translator and operator who speaks Persian.
Geographical restriction of tourist insurance
Immediately after the start of the trip outside Iran, the insured can take advantage of tourist insurance around the world, provided that the disease or accident occur outside the geographical zone specified in the contract, or countries that participate in civil or foreign wars. Be, did not happen.
Tourist insurance period
The validity of the insurance policy specified in the travel insurance contract determines the validity period of this insurance policy.
Advantages of tourist insurance
Medical transfer
In the case of bodily injuries or a sudden disease (or compulsory quarantine) of the insured person, during the period of the contract, the insurance company undertakes to accept and transfer the insured person under the necessary medical supervision to the nearest hospital or equipped medical centers. , in the shortest possible time. The time is possible in any way.
Payment for medical expenses
Payment of medical expenses and expenses for hospitalization at the rate indicated in the insurance policy, with the exception of a medical certificate of emergency need for treatment during the insurance period (deducted by the franchises for medical and non -ipalization expenses), including the initial visit and drug expenses. He covers him. outpatient operations, physiotherapy, visualization and laboratory services, as well as transportation of the wounded and patients to the appropriate medical centers in connection with accidents and medical expenses caused by hospitalization and surgical operations in hospitals and surgical centers.
Payment of non -medical expenses
If the insured is hospitalized in connection with an accident or disease indicated in the tourist insurance policy, and on the basis of the opinion of the attending physician and the approval of the insured doctor, he needs to accompany the doctor, the usual expenses of the trip and back are made up of one of the first degree of the insured that the insured will be paid from the expenses from The countries of residence of the insured to the place of hospitalization, as well as the costs of its stay.
If the insured is forced to stop the trip in connection with the death of a close family member (up to relatives of the second degree of kinship), if a person does not have the opportunity to travel on his own vehicle or rented for traveling a vehicle, the insurer will pay compensation for his travel. The insured must provide the insurance company with the reasons, documents and certificates forced to suspend his trip (for example, death certificate).
The usual cost of the unexpected return of the insured person due to an injury or acute disease, if he cannot use the return ticket. The expenses necessary to prepare important travel documents, such as passport, driver’s license or consular document, in case of loss of documents.
Payment of emergency dental care
If necessary, the insurance company will pay the policyholder with urgent dental expenses outside the country of his residence within the amount indicated in the policy, minus the franchise.
Drug delivery
If the doctor prescribed the insured the medicine even before the trip, in the absence of a medicine at the place of residence, the policyholder will pay for the costs of emergency delivery of the medicine.
The return of the body of the deceased
The conventional expenses associated with the preparation of the coffin and the transportation of the body of the deceased insured to the nearest international airport at his place of residence in the country (origin or place of residence), the costs of the funeral and rituals of the burial do not bear the insurer.
Medical guide
The insurer is obliged to provide the insured information necessary for him, such as the names and addresses of the specialists, dentists, pharmacies, hospitals and medical centers, ambulances and other specialized centers for the patients and wounded, as well as provide the necessary information. management. . This manual does not mean a medical diagnosis.
Legal assistance
If a person is held accountable in accordance with local legislation for civil liability that arose as a result of accidental harm to a third party or an unintentional violation of the laws governing the above country, the insurer will organize and pay legal costs. These benefits include damage not caused by the use, maintenance or ownership of the car.
Tips for solving problems
In case of lost documents, the insurer is obliged to provide important travel documents including passport and visa to the insured.
Documents required to declare travel insurance claims:
- Original insurance policy
- A copy of the first page of the passport and pages of visiting and entry stamps.
- Paid account (taking into account the print and signature)
- Money receipt or payment document to the fund
For medical expenses: medical report, account of the medical center, receipt on payment of expenses related to the delay in the flight, letter of the airline, account of paid expenses.
In the event of the death of the insured – a medical opinion of the hospital, doctor or other legal authorities.
For the necessary purchase costs due to the delay in the arrival of baggage, the invoice of the expenses incurred, a letter from the airline that baggage will not be delivered at least up to 21 hours.
A full report on an accident or the occurrence of a disease, including a city or country where an accident occurred, the cause of the accident, the exact date of the accident, the type of disease and the exact date of treatment. Whether it is hospitalization or outpatient treatment, the total amount of treatment costs (the amount that the insured paid), the tracking code received from the insurance company, the address and contact number of the insured in Iran.
Do we need tourist insurance for all foreign trips?
One of the documents necessary for obtaining a visa to most countries is travel insurance. In general, the types of insurance traveling abroad include two models: 1. Insurance traveling to the Schengen and 2. Insurance of those who travel outside the Schengen countries. The fraud of traveling to Schengen is mandatory, and if you do not have tourist insurance, you will not be given the Schengen. visa. Travel insurance to countries that are not part of the Schengen zone is not mandatory, but buying tourist insurance guarantees you a safe and comfortable trip. To obtain a visa to some other countries, for example, in Canada, travel insurance is required.
What is meant by travel insurance within the country?
Insurance companies do not produce a product called travel insurance within the country, but cover the possible losses of travelers during trips within the country called individual insurance from accidents. Of course, people who plan to go to Iran from other countries can use the internal tourist insurance policy.
Individual or group accidents insurance, used as a travel insurance policy within the country, covers the following:
- Compensation for death
- Disability or disability
- Medical costs
- Daily compensation
What medical coating does the best travel insurance have?
The best travel insurance should take on compensation for medical expenses and hospitalization at the destination at the rate specified in the insurance contract. In addition to compensation for the costs of paraclinical services, such as the costs of operation and scanning, if the passenger needs such services as ambulance transport, he must also cover the appropriate expenses. Delivery of drugs is another service that changes the level of quality of tourist insurance and helps if you need medicines at the place of residence. Of course, in the case of an acute bodily injury and hospitalization for a period of more than 24 hours, these amounts can be changed and covered up to 50% of the franchise.
For example, insurance companies such as Pasargad, Saman, Iran, etc., compensate for the cost of hospitalization and treatment during a trip to 50,000 euros/$. Saman insurance has the highest coating in this area and covers the amount of up to 70,000 euros. If the insured must be hospitalized for more than 10 consecutive days, the medical travel insurance service will compensate for the costs of the road of one of its first -class family members to the hospital. An additional fee in such cases is usually the cost of a ticket there and back and accommodation costs up to 60 euros for each day and up to 15 days in a row.
How to evaluate various types of tourist insurance
The insurance premium paid by the policyholder for the purchase of tourist insurance is calculated on the basis of three factors: the age of the traveler, the destination of the traveler and the duration of the trip, that is, the older the traveler, the longer the stay. At the destination, the more money you need to pay. Buy tourist insurance and pay. Also, if you plan to travel to several countries, you will be calculated by another amount of payment than for a trip to one destination.
Damage to delay the arrival of baggage with a passenger
If the cargo is decorated on the passenger, the insurer will pay for the cost of delaying the arrival of goods every month, provided that the airline is affiliated with the International Air Transport Association (IATA), after a delay of at least 6 hours, for the purchase of primary necessity and covers to a certain ceiling.
In all cases, there must be documents confirming the fact of the incident approved by the airline, along with the claim of the insurer.
Find and send the cargo and personal items
In the case of an accident, the insurance company will be obliged to provide the necessary recommendations on how to inform the insured about the theft or loss of cargo and personal belongings, and provide assistance in their search. In case of detection of these items, their transportation by the insurance company to the destination of the insured or the country of his residence, the policyholder is obliged to compensate for the damage received in connection with the loss of cargo by this insurance policy.
Coverage of traffic delay
In the case of a delay of less than 4 hours, providing the appropriate reception of not lower than the first type by airport, ensuring the possibility of establishing telephone communication to receive information, changes in the flight at the request of the passenger, if at least 6 hours are delayed, under the condition of providing the original corresponding invoices It is responsible for paying for additional expenses incurred in connection with this delay (for example, transportation costs, hotel accommodation and meals). The damage per hour is up to 180 euros per hour. This is the obligation that includes delays caused by the strike of employees of the airline, the airport of departure and appointment or service companies of their contractual parties, as well as delays related to charter flights. And this is not something unusual .
Conditions related to traffic delay
Before the requirement to compensate for damage in this section of the insurance policy is considered, the policyholder must receive a written confirmation of the date and time of departure and the reasons for the delay from the carrier or its representatives.
Losses associated with this part of the obligations will be calculated from the moment of registration of tourist insurance for departure according to the confirmation of the reservation.
Receive compensation for damage
In the event of risks and accidents, within the framework of the tourist policy, including the occurrence of diseases or bodily harm caused by accidents, in accordance with the terms of the insurance policy and during the duration of the insurance policy abroad and the need to apply to medical centers, the following operations must be performed .
Hospitalization
Before taking any action, call the contact number specified in the insurance policy, and after ascertaining the incident and receiving the tracking code, after the insured person is discharged from the hospital, the insurance company will settle the payment with the hospital.
In case of outpatients
After calling the phone number provided on the insurance policy to obtain a tracking code, the insurer will introduce its trusted physician for a medical examination, and the insured will only pay the deductible on the insurance policy.
If, after contacting an insurance company, payment of your treatment expenses has been approved by that company, but there is no doctor, pharmacy, laboratory or medical center that the party has agreed upon with the insurance company in that country, in order to receive the cost of treatment after payment of expenses, submit the original invoices from stamp and signature and tracking code along with other documents to the relevant agency or insurance company where you purchased the travel insurance policy.
Documents without the seal and signature of medical authorities and a tracking code are not checked in any way.
Travel insurance claim declaration documents
Repatriation of orphaned children
When the insured or his body is transported to Iran, the insurer will pay normal expenses.
Repatriation, together with the insured person, of persons under the age of 15 years, left unattended due to this incident and unable to travel in a personal vehicle or the vehicle that was used at the beginning of the trip, together with a guardian (one person his relatives) will pay to Iran .
Travel insurance exclusions
Costs and damages that are not covered by travel insurance:
Assistance will only be provided to travelers who have been outside Iran for less than 29 consecutive days.
The insured will not be reimbursed for expenses incurred personally by him without the prior consent of the insurance company.
In the case of a history of illness, reinfection of a chronic or ongoing disease, or complications of which the insured was previously aware and for which he was or is being treated before coverage began, the recovery period is considered part of the illness period.
Incidents caused by war, military aggression, acts of foreign enemies, hostilities (declared or not), civil war, insurrection, insurrection, terrorism and military operations, riots and social unrest.
Supervision, participation or assistance in the commission of a criminal act.
Participation in horse racing, bicycle racing and any type of competition or show involving motorized vehicles, as well as participation in professional sports training and competitions such as mountaineering (professional rock climbing), aerial climbing and any flying, cave climbing, diving, winter sports or training. for the purpose of participating in official competitions or shows, or in any sport or recreation which is generally and reasonably considered to be dangerous.
Contamination caused by direct or indirect exposure to radioactivity, nuclear radiation or anything associated with childbirth within three months before the expected date of delivery and optional abortion.
Minor or general consequences caused by the use of drugs, alcoholic beverages and psychotropic drugs, with the exception of drugs taken as prescribed by a competent doctor.
Other exclusions from travel insurance
Other losses that are not covered by travel insurance:
- Occupational risks, which are considered by law to be occupational and occupational accidents, are insured.
- Congenital disorders and diseases caused by them
- Prevention or vaccination
- Complications caused by physical therapy
- Energy therapy, solar and beauty treatment, mineral spring treatment.
- Complications caused by mental illness and insanity
- Cases of illness, death or injury caused by suicide or attempted suicide
Responsibilities of the insured under travel insurance
If you require services, before any personal action and at the earliest opportunity, contact the nearest response center and 24/7 insurer guide in Iran and provide the following information:
- Full name of the policyholder
- Validity period of the travel insurance policy
- Passport ID
- Residence address in Iran and contact number
- A brief description of the accident, illness and type of assistance requested.
In cases of hospitalization, the person must notify the insurer no later than 5 days from the moment of hospitalization until discharge.
Refrain from any actions that make the insurer’s action against the person at fault for the accident (if any) difficult and impossible.
Prepare and provide all necessary documents and documentation to recover damages in the appropriate amount as requested by the insurer.
Baggage coverage in travel insurance
Passenger luggage covers
Payment of expenses related to the cargo and personal belongings of the insured will be subject to the following conditions.
In all cases, the insurance company must provide the original cargo receipt or letter of claim indicating the loss or accident of the cargo.
Loss of cargo delivered to the aircraft
In the event of loss of cargo by the carrier airline, in addition to the damage that the carrier is obliged to compensate, our insurance company will pay the insured the difference up to a certain limit for cargo and supplies delivered to the aircraft. For this reason, the insured must provide the insurance company with a list of the contents of the shipment and its characteristics, including the price range and date of purchase of each item, as well as the amount of damage paid by the carrier. Payment for damage will be calculated according to the method recommended by international transport organizations.
The minimum period required for a passenger’s baggage to be considered irretrievably lost is determined by the carrier and is at least 12 days.
Insurance companies’ liability does not include money, jewelry, credit or debit cards, or any documents.
Procedures and documents required for the issuance of an insurance policy for senior travelers abroad:
- Filling out the proposal form, including the applicant’s passport details.
- Providing a passport with his image for issuing an insurance policy
- Insurance premium received in cash