Why Travel Insurance?

Among 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.

Get 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:

A) Transfer

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 country.

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 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 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” ordinarily.

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 physician.

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.