Visiting IRAN can be an exciting and rewarding experience, but it can become very unpleasant and challenging when sickness or injury occurs and medical services or medical evacuation is needed. Medical care is excellent in most parts of IRAN, but it can be very expensive and even astronomical for cases of critical illness. Many travelers purchase supplementary international medical insurance or travel insurance to avoid the staggering costs that might result from serious sickness or injury on their trip.
Pars Tourist Agency recommends you to sign a travel insurance before setting out on a trip.There are many websites that offer travel insurance online. Most sites offer only one type of coverage - either a travel protection plan or international medical insurance - or they offer coverage to citizens of a particular country. Only a few agencies offer a variety of plans for travelers from all countries, fortunately we are one of them.
Especially an insurance covering the costs of a transport back to your home country in case of an accident or disease should be signed.
For signing travel insurrance please be in contact with this email address:
you can also send message in whats app: +989370744197
General Conditions of Incoming Passengers’ Insurance Policy:
1- Insurer: Insurer is defined to any insurance companies, licensed by the
entral Insurance of Iran (CII), which their specifications have been
mentioned in the insurance policy. The insurer company is duty bound to
offer quality insurance services to the insured against receiving insurance
premium, compensation of medical and nonmedical costs as well as other
covered insurance services according to the terms and conditions envisioned
in the insurance policy.
2- The Insured: The foreign national who enters into Iran legally and
insurance company insure him or her against probable and risky services,
subject to the insurance policy as a result of conclusion of insurance
contract. Hence, the relevant specifications are mentioned in the insurance
policy and are committed to pay her or his insurance premium.
3- Insurance Premium: Insurance premium is the fund that is paid by the
insured to the insurer against guaranteeing probable risks. The insurer
embarks on offering quality insurance services to the insured against
receiving insurance premium from the insured.
4- Subject of Insurance: Compensation of medical and nonmedical costs as
well as presentation of other insurance services to the foreign nationals
within their stay in Iran according to the insurance policy terms and
5- Incident: Incident or accident is referred to any sudden event happened as a
result of an external factor without any intention to the insured and will incur
physical damage on the insured as well.
6- Physical Injuries: Physical injuries are a physical damage which is
observed as a result of an unexpected and sudden factor [beyond power and
control of the insured] and is observed during the insurance policy.
7- Acute Disease or Injuries: Acute injuries or disease is defined to the illness
that will prevent the insured from continuing his or her trip at the sole
discretion of attending physician in the course of insurance period.
8- Illness: Illness is a sudden and unpredictable complication which is
appeared after entrance of the insured to Iran. Under such circumstance, the
insured or his/her representative will request the insurance company to cover
9- Compulsory Medical Quarantine: Compulsory medical quarantine
includes fulfillment of isolation and limitation operations compulsory in
order to prevent illness from being spread.
10- Relatives: Relatives include father, mother, children, spouse (wife
and husband), brothers and sisters and also any other persons as introduced
by the insured.
11- Franchise: Franchise is the insurance premium of the insured from
non- hospitalized medical costs. The rate of franchise in the current
insurance policy has been calculated equal to 10% of the amount of medical
B) It should be noted that the present contract is valid according to the rules and
regulations of the Islamic Republic of Iran.
C) Insurance Period: This insurance policy will be covered maximum 92
consecutive days based on the contents as mentioned in the insurance policy.
This insurance policy is valid from entrance date of the insured into Iran.
This insurance policy will be considered “null and void” after completion of
trip of the insured and/or when the insured exited from legal borders of the
country. Under such circumstances, the insurance policy of the insured will
be invalidated. When the insured embarked on purchasing insurance policy
after entering Iran, his or her insurance coverage will start as of the date
mentioned in the related insurance policy.
Commitments of the Insurer
When the insured faced illness or physical injuries during validity period of
insurance policy and/or if the insured was recommended to undergo
compulsory medical quarantine, the insurer is duty bound to pay medical
costs of the insured according to the stipulated rules and regulations.
1- Admitting and transferring the insured to the nearest equipped hospital or
healthcare and treatment centers in the shortest time possible,
2- Transferring the insured under the strict supervision of attending
physician to the equipped healthcare and medical treatment center in the
shortest time possible,
3- Returning the insured to his respective country under the strict
supervision of attending physician and approval of the insurer’s trusted
and reliable physician,
4- Fulfilling necessary measures in case of death of the insured for
transferring corpse to the nearest airport in the residence of the respective
5- Taking effective measures for retuning companions of the insured, below
15 years old, and also one of the relatives of the insured to the respective
country provided that the insured is unable to continue trip via vehicle of
any other transport means.
6- Taking effective steps for transferring one of the relatives of the insured
from the country, as residence of the insured, to the Islamic Republic of
Iran provided that the insured is hospitalized at hospital due to accident
or illness which is subject to the present insurance policy and based on
comment of the attending physician.
B) Payment of Expenses
1- The medical and hospitalization expenses up to 10,000 euro or its rials equivalency will be paid based on currency price evaluation envisioned in
insurance policy by virtue of medical certificate based on urgent need to
healthcare and treatment services during insurance period (after deduction of
franchise of non- hospitalized medical expenses) as follows:
1 – 1 – Medical costs including initial examination and imaging and
laboratory services (MRI, etc.), pharmaceutical costs, outpatient surgeries,
physiotherapy and transferring and transferring the injured and patients to
relevant medical centers caused by accidents
1 – 2 - Medical costs caused by hospitalization and surgery in hospital and
Day- Care Centers (hospitalizing exceeding six hours),
2- Nonmedical Costs will be paid as follows:
2 – 1 – Conventional costs related to the provision of coffin and transfer of dead
body of the insured to the nearest international airport of his residence at the origin
country or residence (costs related to organizing funeral procession and/or
memorial service shall not be borne by the insurer.)
2 – 2 – If the insured is hospitalized at hospital due to accident or illness subject to
the insurance policy, and/or if the insured required a companion at the sole
discretion of the trusted or reliable physician, conventional costs (return ticket) for
one of the relatives of the insured from the insured’s residence to the
hospitalization place and also his accommodation expenses in Iran will be paid
maximum within 20 days.
2 – 3 – Conventional cost o the insured’s unexpected return due to the acute
medical injuries or illness, provided that the insured could not use return ticket.
2 – 4 – Conventional costs for returning accompanied individuals, below 15 years
old, and one of the insured’s relatives to the country of origin or residence in case
of inability to travel with personal vehicle and/or any other transportation means as
used in the beginning of the travel.
2 – 5 – Emergency costs of dentistry up to 200 euro. It should be noted that these
expenses are limited to the treatment of toothache, treatment of infection and
pulling out the teeth.
2 – 6 – Necessary costs for the provision of important traveler’s documents such as
passport, driving license and/or consulate- related documents in case of losing the
relevant documents up to 200 euro,
2 – 7 – Costs related to the judicial cooperation and assistance up to 250 euro in
lawsuits that are lodged against the insured during his or her stay in Iran.
C) Medical Guidance
The insurer is duty bound to provide necessary information to the insured such as
postal addresses of hospitals, Day- Care Centers, pharmacies, drugstores and other
specialized centers (special of patients and the injured). Moreover, the insurer is
duty bound to provide necessary required information available to the insured into
two languages: English and Persian
D) Payment of Compensation
The insurer is duty bound to pay the compensation rate to the beneficiary
maximum within five days after receiving required documents.
E) Guiding the Insured If Documents Lost
If important traveler’s documents such as passport and visa are lost, the insurer is
duty bound to offer necessary guidance services to the insured.
Exclusions and Exceptions
Costs and compensations caused by either of the following cases will not be
subject to the commitments of the insurer: (If the following cases are observed, the
insurer is not duty bound to compensate the damages):
1- Having illness for a long period, having history of illness, being diagnosed
to a chronic disease once again and/or the complications related to previous
record of patient, etc. It should be noted that partial convalescence periods
are considered as illness periods.
2- War, military invasion, action of foreign enemy, animosity and terrorist
operations (whether announced or unannounced),
3- Committing suicide, intentional injuries incurred to self, accompanying
participating and complicity in criminal act,
4- Participating in horse- riding contest, cycling contest, and/or any other types
of contests or displaying with motorcycle appliances, and also participating
in professional sports competitions and exercises such as mountaineering
(professional ascension), airborne or aviation competitions or any other
types of light, cave mining, diving, winter sports or doing exercise with the
aim of participating in official competitions and/or any other sports and
recreational activities which are considered as “dangerous and risky”
5- Pollutions caused by nuclear radiations,
6- Pregnancy in the course of three months left to the delivery and voluntary
7- Appearance of scars or marks (partly or wholly) caused by the drug abuse,
use of alcoholic drinks and psychotropic drugs except the drugs and
medicines consumed with the recommendations and prescriptions of the
8- Job- related risks of the insured which are considered as “work and job
accidents” according to the law.
9- Congenital disorders and diseases caused by it,
10- Prevention or vaccination,
11- Complications caused by physiotherapy,
12- Energy therapy, sun therapy and treatment (plastic surgery) in order to
regain beauty, treatment and cure through spa and mineral waters, etc.
13- Complications caused by delirium, mental and psychic diseases, etc.
Duties of the Insured
In case of dire need to medical services, the insured or his/he representative is duty
1- To get in touch with the nearest call center of the insurer in Iran in the
shortest time possible and to announce the following information:
1 – 1 – complete name of the insured, number and validity date of the traveler’s
insurance policy, passport number, etc.
1 – 2 – Complete postal address and/or residence in Iran and also contract
1 – 3 – A brief description of the illness, accident, incident and requested
2- If hospitalized, the insured is duty bound to report the case to the insurer
maximum within five days as of hospitalization date and before being
discharged from the hospital.
3- The insured should avoid committing any activity which will create
problems for the insurer.
4- If requested by the insurer, the insured is duty bound to provide all
necessary documents available to the insurer for compensating the damages
from the relevant resources.
If any dispute is observed between the two parties of contract (the insured and
insurer) on interpretation or subject of the contract, the disputed matter will first be
settled via negotiation. If the two parties failed to settle the disputed matter, the
case will be reported to the authorized and legal court in order to settle the disputed
matter through arbitration. If an arbitrator is selected, the two parties of the
contract can appoint a person as mutually acceptable arbitrator. If introduction of
an arbitrator is not agreed, each of the contract parties can select an arbitrator by
themselves and the selected arbitrator should be introduced to another party. The
selected arbitrators will select a third arbitrator. Finally, the disputed matter will be
investigated by three arbitrators and then, they embark on issuance of final verdict.
If the selected arbitrators (one from the insured and one from the insurer) are not
agreed to select a third arbitrator, each of the contract parties can request the third
arbitrator from the authorized court. It should be noted that each of contract parties
are duty bound to pay fee of relevant arbitrator as selected by each of them and fee
or commission of the third arbitrator will be paid in equal condition by either of the
contract parties i.e. the insured and insurer.
Deadline for Lodging Complaint / Lawsuit
Any kind of complaints or claims observed as a result of the present insurance
policy should be performed maximum within two years as of cancelling,
terminating and/or expiring date of the insurance policy and/or in case of
occurrence of the covered incidents. After the two years, as mentioned in above,
complaints or any other claims caused by the present insurance policy will not be
taken into consideration. Time process can be cut suddenly b either of the contract
parties against presentation of official declaration notice. If time process is cut,
remained period of time process will be added for a period of one year.
Other Terms and Conditions
1- If visa is not issued, the insurer, at the request of the insured, is authorized to
subtract one euro from insurance premium in order to cancel the insurance
policy. Under such circumstances, insurer is duty bound to repay the
remaining insurance premium.
2- If visa is issued and/or if the insured did not intend to travel, the insurer is
duty bound to cancel or terminate the insurance policy after expiration of
visa period with subtraction of one euro from insurance policy. Under such
circumstances, the insurer should repay the remaining insurance premium to
3- It should be noted that request for cancelling insurance policy will be set
maximum six months as of its issuance date.