بیمه آسماری - بیمه مسافرتی مسافران ورودی

بیمه مسافرتی مسافران ورودی

براساس این بیمه نامه تمامی اتباع خارجه و اشخاصی که ساکن خارج از کشور هستند و قصد مسافرت به ایران را داند می توانند با ابتیاع این بیمه نامه تحت پوشش قرار گرفته و از مزایای آن استفاده نمایند. پوشش این بیمه نامه از زمان ورود بیمه شده به کشور جمهوری اسلامی ایران شروع و از زمان اتمام سفری که بیمه نامه به خاطر آن ابتیاع گردیده و یا خروج بیمه شده از مرزهای قانونی کشور هر کدام که زودتر حادث شود پایان می یابد.

تعهدات بیمه گر

انتقال

انتقال بیمه شده به نزدیکتری بیمارستان، بازگرداندن بیمه شده به کشور متبوع، انتقال جسد به نزدیکترین فرودگاه محل اقامت وی در کشور متبوع، انجام اقدامات لازم جهت بازگرداندن افراد همراه زیر 15 سال بیمه شده، انتقال یکی از بستگان به ایران پرداخت هزینه ها

پرداخت هزینه ها

  • هزینه های پزشکی و بستری تا سقف 10000 یورو شامل ویزیت اولیه، خدمات تصویربرداری و آزمایشگاهی، هزینه های دارویی، جراحی های سرپایی، فیزیوتراپی

  • هزینه های پزشکی ناشی از بستری و جراحی در بیمارستان و مراکز جراحی DAY CARE (با بیش از 6 ساعت بستری)

  • هزینه های فوریت دندانپزشکی تا سقف 200 یورو که محدود به معالجه دندان درد، درمان عفونت و کشیدن دندان می باشد.

  • هزینه های لازم در صورت گم شدن مدارک مهم مسافرتی نظیر گذرنامه، گواهینامه رانندگی و یا مدارک کنسولی تا سقف 2000 یورو

  • هزینه های مربوط به معاضدت قضایی تا سقف 250 یورو در دعاوی طی مدت اقامت در ایران

موارد فوق تابع شرایط عمومی و خصوصی بیمه نامه است.

Insurer’s Commitments

If during validity of this policy, the insured suffers from illness or bodily injury or is subject to compulsory quarantine, the insurer must arrange for the following services and pay all related expenses.

A) Transference

1- To hospitalize and to transfer the insured to the closset hospital or more equipped cure center as soon as possible.

2- If necessary to transfer the insured to the more equipped cure centers on the basis of treating physician’s recommendations as soon as possible.

3- If the physical condition of the insured after treatment at domicile in Iran is not suitable for returning to home as an ordinary passenger, to return him/her to the treating or trusted physician of the insurer.

4- In case of death of the insured, to take necessary action for transferring the corpse to the nearest airport to the insured domicile in home country.

5- To take necessary actions for returning back the insured companions who are below 15 years old and one of the insured’s relatives to the home country, if the insured is not able to continue his/her journey with a private vehicle or the vehicle which is used in the beginning of journey.

6- In the case the insured goes bed ridden, to take necessary actions for transferring one of the relatives of the insured from home country to Iran under treating physician’s recommendation.

B) Paying Expenses

1- With reference to treating physician’s advice concerning prompt necessity for treatment during policy term, to pay medical and hospital expenses of the bedridden insured (after deducting franchise of non bedridden expenses) up to 10,000 Euro or Rials equivalent according to the exchange rate as below:

1-1- Medical expenses include physicians preliminary visit free, radiology, laboratory, physiotherapy and medicines expenses, outpatient surgery expenses, and transferring the insured and patients as well to related medical centers.

1-2- Bedridden and surgery expenses in hospitals and day-care surgery centers (at least 6 hours the insured should be confined to bed)

2- Non medical expenses as follow:

2-1- Ordinary expenses of preparing coffin and transfer of the insured’s corpse to nearest international airport to his domicile in destination country of his/her resident (funeral and burial ceremonies expenses is not a duty of insurer).

2-2- If because of any incidents or infections covered by this policy the insured is confined to bed and according to treating physician’s judgment and affirmation of the trusting physician of the insurer he needs a companion, ordinary expenses of coming and going of the relatives of the insured from home country to hospital and vice versa and also resident expenses up to 20 days.

2-3- Unexpected return expense of returning the insured to home as a result of injuries or acute infection, if he does not succeed to enjoy hid return ticket.

2-4- Ordinary expenses of returning under 15 years old companions and of relatives to their home country or domicile if they are unable to continue the journey by private car or the vehicle with which they have started their journey.

2-5- Dental emergency expenses up to 200 Euros. The expenses are only payable on treating toothache, tooth decay and extraction of tooth.

2-6- The expenses of preparing losses of main journey documents such as passport, driving License of consulate documents up to 200 Euro.

2-7- Legal aid expenses of claims against the insured during his domicile in Iran up to 250 Euro.

C) Medical Instruction

It is the duty of insurer to supply the insured necessary information such as hospital addresses, minor surgery centers, pharmacies and other specialized medical centers of ills and injuries and render to him/ her necessary information and instructions in Persian and English.

D) Settling Claims

It is the duty of insurer to pay claim of the insured to his/her beneficiary within 5 days after receiving required documents.

E) Giving Instructions to the insured in case of documents loss.

It is the duty of insurer to give the insured necessary instructions if they lose their main journey documents such as passport and visa paper.