the last details to prepare your trip to Iran, one of the major points is to
make sure you are covered by a good Iran travel insurance. That’s maybe
the last thing you want to think about, but in order to travel to Iran,
having insurance is mandatory for all travelers.
Indeed, to collect your visa
at the airport or at the embassy you need to show proof of your travel
insurance coverage. Besides, having insurance also protects you for any
unexpected event during your trip, from losing luggage to being injured. So,
you need to choose the right insurance right now.
insurance to travel to Iran
If you choose to subscribe to specific travel insurance to Iran,
we offer you a simple and efficient way to do so. You can subscribe online
via key2persia and have it ready before coming to Iran.
Commitments of the Insurer:
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
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
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
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
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 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) 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
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 abortion,
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 concerned
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,
13- Complications caused by delirium, mental and psychic diseases,