Benefits of the Insurance
1. Medical Transfer:
Should the insured suffer bodily injuries caused by an accident, unexpected disease or mandatory quarantine during the term of this policy, Bimeh Iran (Iran Insurance Co.) shall arrange and pay for the services as follows:
1. Admission of insured to the nearest hospital.
2. Transfer of insured to a more suitable hospital compatible with the nature of the disease or inflicted injuries by necessary and accessible means such as land or air ambulances or aircraft (according to the available flight schedule, if medically needed).
2. Imbursement or treatment Expenses
Up to Euro 10,000 (or its equivalent in IR. Rials) for each case of loss during the coverage period.
1.Medical expenses which includes insured’s surgical expenses.
2.Medical emergency expenses which includes initial physician visit, imaging services and laboratory expenses, physiotherapy expenses, medical transferring to related medical centers caused by incidents such as vehicle accident.
3.Medical expenses caused by poisoning, such as food poisoning.
Franchise: Euro 25 (or its equivalent in IR. Rials) for each case of loss, excluding the cases related to the insured’s bodily injury or hospitalization for a duration of at least 24 hours.
Bimeh Iran (Iran Insurance Co.) commits itself to pay expenses concerning medical emergency cases, food poisoning, medical treatment in hospitals and surgeries undergone by the insured or his/her agent in emergency cases caused by bodily injuries or spontaneous diseases on the basis of medical certification. This commitment does not include any kind of prosthesis.
However, such payments shall continue as long as the health conditions of the insured are ascertained suitable for repatriation to his respective country by his Iranian medical team as well as the certified physician of the Bimeh Iran.
3. In the event of Medical Emergencies
Bimeh Iran shall provide the insured with the required information, such as details of the relevant hospitals, restricted surgery clinics and other specialized centers for patients and injured along with the necessary recommendations. Such information shall not include diagnostic and check-up centers.
4. Repatriation of Corpse
In the event of the death of the insured, Bimeh Iran will undertake all necessary measures and will pay for the due costs of preparatory actions and procurement of coffin for subsequent transfer of the corpse to the nearest airport to the place of burial in the Insured’s respective country. However this policy shall not cover the funeral and burial expenses.
5. Repatriation of Unaccompanied Minors
Should the insured be unable to undertake the custody of a minor under 15 years of age accompanied by him/her at the time if incident, due to his/her medical transfer or repatriation of his/her corpse, Bimeh Iran (Iran Insurance Co.) shall take the necessary measure to secure repatriation of the concerned minor to his/her respective country.
6. Legal Assistance
Prepares necessary guidance, penal, civil law and judicial assistance due to vehicle accidents during his/her stay in Iran up to 250 Euros, equivalent in IR. Rials.
7. Loss of Travel Documents
In the case of loss of important travel documents, such as passport, visa stickers, airline ticket, Bimeh Iran will provide the insured with the necessary advice in order to obtain the lost or stolen documents with help from the appropriate authorities.
8. Undertake Attendant’s Travel Expenses to Iran from the country of origin in an emergency
If the insured is hospitalized due to bodily injury or illness for more than 10 (ten) days, Bimeh Iran (Iran Insurance Co,.) will pay for any one of his next of kin (selected by the insured) to come to his bed site from the country of origin to Iran (transportation costs to the place in which insured is hospitalized).
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