Terms and Conditions of Iran Travel Insurance Benefits
- Insured: All foreign tourists under Iran Travel Insurance coverage, who come to Iran, individually or in groups for the purpose of a visit, explore or other matters.
- Note 1: Providing medical-insurance services to tourists, whether individually or as a group will be possible, in case of the conformity of the insurance policy profile with the insurer’s passport.
- Physical injury: Physical injury caused by sudden, external and visible natural factors, except for the disease, which onsets after the arrival of the insured in Iran and causes the request of help by the insured or his/her representatives.
- Disease: Sudden and unpredictable complication, which its onset or its beginning or origin has been after entry of the insured into Iran and causes the request of help by the insured or his/her representatives.
- Damage: Every happening, which leads to providing services in accordance with the terms of this insurance policy.
- Relatives: includes father, mother, children, spouse, brothers and sisters of the insured
- Critical medical cause: Physical injury or illness that endangers the health of the insured.
- Euro: currency in European Union
- Franchise: Part of the costs, which are paid by the insured.
The range of coverage:
Includes benefits listed in the second chapter, across the Islamic Republic of Iran
Period of coverage:
Services included in the contract for a maximum stay of 29 consecutive days, will be provided in Iran.
Damage claim related to this coverage will be subject to the time lapse, after two years from the date of occurrence.
Iran Insurance Company will substitute the insured for the costs incurred or compensation paid for the rights and claims of the insured against any person responsible for the accident leading to loss and damage, included in the list of the benefits related. If all or part of the services provided by the Iran Insurance Company is covered by another plan, Iran Insurance is the substitution for the insured over the rights and causes of the lawsuit against the mentioned plans.
o Medical transfer
o If during the period of validity of this Agreement, the insured suffers physical injury caused by an accident or sudden illness or he/she is mandatory quarantined, Iran Insurance will provide the following services and its costs will be paid.
o Medical admission and transfer of the patient to the nearest equipped medical center or returning him/her to his/her country of origin under the medical care.
o Paying the costs of medical emergencies and transferring the patient and injured person to the related medical centers and also if required, transfer and hospitalize them to the more equipped medical centers through available various means, such as: land, air and sea.
· Medical costs
o up to 10,000 euro or equivalent to Rial for any damage during the coverage as follows:
o Paying medical expenses including the surgery costs of the insured.
o Paying the costs of medical emergencies including initial visits, X-ray and laboratory services, drug costs, outpatient surgeries, physiotherapy and transfer of the injured and the patients caused by accidents such as: accidents and injuries caused by driving accidents, to the related medical centers.
o Paying the medical costs caused by poisoning, including poisoning of the food stuff being rotten.
o Franchise: 25 Euro or equivalent to rial in any damages, except for the cases related to physical injury or hospitalization of the insured for at least 24 hours.
o Iran Insurance undertakes the payment of the costs of the medical emergency , food poisoning and so on, the costs of medical treatment in hospitals and surgeries, which the insured or his/her representative has undergone, based on the medical certificates in cases of urgent need, arising from physical injury or sudden illness. This commitment does not include any types of prosthesis.
o In any case, the medical costs under coverage are payable as long as the medical condition of the insured for returning to the country of origin is confirmed and the insured do not need treatment according to the diagnosis of the medical team in Iran and the reliable physician of Iran Insurance and because of the lack of the refusal of the insured, the medical expenses up to the costs of the return will be payable.
o In the case of a medical emergency, Iran Insurance will provide the in the information required by the insured, such as the address of hospitals, limited surgery centers and other specialized centers for the patients and injured and will provide him/her with the necessary recommendations.
· Bringing back the cadaver (body of the deceased)
o In case of death of the insured, Iran Insurance will take the measures required to transfer or return the cadaver and will accept the costs related to the preparation and providing coffin to transport and transfer the cadaver to the nearest airport and the costs related to transferring it to the individual’s residence in his/her country.
Funeral and burial ceremony costs are not covered.
· Returning orphans
Whenever during the occurrence of an accident, the insured under the rescue services related to the medical transfer or returning the cadaver from Iran, is not able to take care of the child under 15 accompanying him/her, Iran Insurance will provide arrangements required to return the child to the country of origin.
· Legal assistance
Providing guidance required and helping in civil and criminal lawsuits arising from car accidents during the stay in Iran, 250 euros maximum equivalent to Rial.
· Losing documents
In case of losing important travel documents including passport, visa, air ticket, Iran Insurance will accept guidelines required to take necessary action to replace them.
· Paying the costs of transferring the accompanied person from the country of origin in special circumstances.
If the insured is hospitalized more than 10 days, due to an accident or illness covered by this Insurance policy, Iran Insurance will pay the costs of the transfer of a member of his/her next of kin from the insured’s country of residence (the costs of the round trip to the location that the insured is hospitalized).
The insurance persons who stay in Iran more than 92 consecutive days per period of travel, are not subject to the provisions of services under the topic of this contract.
The treatment costs, which the insured directly or on behalf has incurred without the prior approval of Iran Insurance (Chapter 4), are not subject to the obligations by the insurer.
o Complications arising from energy therapy
o Complications arising from the treatments done previously in the country of origin of the insurer
o Cases arising from the prevention by vaccination
o Complications arising from the physiotherapy, sun therapy and cosmetic treatment, treating by the mineral water of the springs (spa).
o Cases arising from the war, military invasion, act of foreign enemy, operations of hostility (whether the war is declared or not), rebellion and terrorism.
o Cases arising from intentional self-inflicted injuries or engaging in criminal acts.
o Cases arising from the company insured engaging in professional betting, horse racing, bike racing and any kind of race or motorized display.
o Cases arising from the participation of the insured in clashes unless in the self-defense state.
o Cases arising from professional trainings or exercises in order to participate in official competitions or displays.
o Cases occurred due to or by the decomposition of radioactive substances or radioactive contamination caused by nuclear fuel radiations or explosive toxic radioactive substances, or the hazardous cases, which are directly or indirectly created from any explosive nuclear complex or any nuclear phenomena,.
o Complications of chronic or continuous diseases or the conditions that the insured has already been aware of it and before the period of insurance coverage, he/she has been treated for it, and it has caused to ask for help by the insured or his representative (recovery period is considered as a disease period).
o Complications of pregnancy during the three months remaining to the due date of childbirth or voluntary abortion.
o Complications arising from mental illness and insanity.
o Complications and side effects of partial or total use of alcoholic drinks, drugs and narcotics, psychotropic drugs except for drugs, which have been prescribed and consumed under the supervision of qualified doctors.
o Death, physical injuries, or illness resulting from suicide or taking any action similar.
o Cases arising from participation or attendance in professional races, mountaineering (professional ascent), caving, diving, winter sports, aviation or any flight except for cases that the insured flies as a passenger of a licensed aircraft, operated by a licensed commercial air operator or it is owned and managed by a commercial company.
o Medical costs related to accidents caused by doing hard and high risk jobs, such as construction work.
o Congenital disorders and diseases caused by it.
Duties of the insured:
1. Public procedure
o Help request
§ In emergency cases, the insured must call the nearest boarding emergency center of Iran Insurance, as soon as possible and declare the following information:
§ Full name of the insured, number and the validity period of the passenger insurance policy
§ Residence address in Iran and contact number.
§ A brief description of the accident and disease and the type of the aid requested.
o Not failing to inform Iran Insurance company
§ Reporting damage: Damage must be reported within maximum 72 hours after the beginning of the hospitalization or the medical consultation to the insured. The reported damage is considered canceled after this period and will be considered rejected.
2. Cases facing life-threatening
o Despite the above article and the provisions of this agreement, in the conditions of facing life-threatening, the insured or his/her representative must immediately provide arrangements to transfer him/her to the nearest hospital and report the case to Iran Insurance as soon as possible.
o Hospitalizing before reporting
o About any disease or physical injury, which needs being hospitalized, the insured or his/her representative must inform the case to Iran Insurance within 48 hours from the time of hospitalization. Failing in doing so, can entitle Iran Insurance the right to claim the expenses created, because of delay of the insured in reporting the case.
o Upon the occurrence of damage, the insured must take any necessary actions to prevent the spread of its effects and consequences.
o Where required, the insured is obliged to provide all documents and evidences required from the resources related to the insurer for the recovery of damages.
o Insurance policy of passengers and foreign tourist within Iran