Iran Travel Insurance Terms 

Note: the services covered by this policy shall be extended to the insured, individually or collectively, subject to compatibility of the recorded personal details in the policy with those registered in his/her passport. 

2- Bodily injuries: the injuries caused by spontaneous, sudden, external and visible factors except illness, after the insured s arrival in Iran instigating his/her agent s application for aid/ or assistance. 

3-Disease: sudden and unpredictable conditions being contracted, started and originated after the insured s arrival in Iran, causing his/her own or his/her agent s applications for aid or assistance. 

4- Loss: any incident leading to supply of the services subject of this policy. 

5- Dependents: insured s father, mother, children, wife, brothers and sisters. 

6-Intensive medical cause: bodily injury or disease jeopardizing the insured s good health. 

7- Euro: the current monetary unit of European Union. 

8- Franchise: the portion of medical expenses borne directly by the insured. 

B. Scope of coverage: the benefits stipulated in chapter 2 of this contract through the Islamic Republic of Iran. 

C. duration of coverage: the services specified in this contract shall continue solely in Iran for a maximum duration of 92 consecutive days. 

D. Statute of limitation: the claims pertaining to this coverage shall be subject to the statute of limitation two years after the date of due incident causing such claims. 

E. Subrogation: Saman Insurance shall subrogate the insured for his/her claims against anyone being liable for the incidents leading to the losses mentioned in the benefits lists. up to the amount of the borne expenses or the paid indemnities. Should all or part of the services extended by Saman Insurance be covered by a separate scheme. this company shall subrogate the insured in regard of the claim made in relation the said scheme. 

Should the insured suffer bodily injuries caused by an accident unexpected disease or mandatory quarantine during the term of this contract Saman Insurance shall arrange and pay for the services as follows: 

• Admission of insured to the nearest hospitals. 

• 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 ambulance or planes (according to the available flight schedule. if medically needed). 

For up to 10000€ (or its equivalent in Iranian Rails) each case of loss during the coverage period: 

• Medical expenses which includes insured s surgical expenses. 

• Medical emergency expenses which includes initial physician visit, imaging services and laboratory expenses, physiotherapy expenses, medical transferring to related medical center caused by incidents such as vehicle accident. 

• Medical expenses caused by poisoning such as food poisoning. 

Deductible: 25€ (or its equivalent in Iranian Rails) in each case of loss, excluding the cases related to the insured s bodily injury or hospitalization for a duration of at least 24 hours. 

Saman Insurance commits itself to pay expenses concerning cases, food poisoning, medical treatment in hospitals and surgeries and surgeries undergone by the insured or his/her agent in emergency cases caused by bodily injuries or spontaneous disease 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 if Saman Insurance. 

Saman Insurance shall provide the insured with 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 checkup centers. 

In the event of insured decease Saman Insurance commits itself to take all the requisite measure and pay for the due costs of the preparatory actions and procurement of coffin for subsequent transfer of the corpse to the nearest airport to the designated burial site in the insured s respective country. However this policy shall not cover the funeral and burial costs. 

should the insured be unable to undertake the custody of a minor under 15 years of age accompanied him/her at the time of incident due to his/her transfer or repatriation of his/her corpse. Saman Insurance shall take the necessary measures to secure to repatriation of the concerned minor to his/her respective country. 

F. Legal Expenses: presenting necessary guides, penal, civil law and juridical comradeship due to vehicle accident during his/her stays in Iran up to 250 € equivalent in I.R.I Rails. 

In the case of loss of travel documents, such as passport, visa stickers, airline tickets, etc. Saman Insurance will provide insured person with necessary advice in order to supersede mentioned documents. 

In the case insured is hospitalized more than 10 days because of illness or accident which is under the coverage of this insurance, Saman Insurance would pay for travel costs of one of his next of kin from country of origin to Iran (transportation costs to the place in which insured is hospitalized). 

B. The insured s commitments do not cover the medical costs borne, directly or indirectly, by the insured without prior notification and consent of Saman Insurance (subjectofchapter4 of this contract). 

C. Other exclusion: the commitment of the insurer subject of this contract is also excluded from the cases follows: 

• Conditions caused by traveling for energy therapy. 

• Side-effects of the treatments undergone in the insured s country of residence. 

• Side-effects of preventive measures and vaccination. 

• Side- effects of physiotherapy, sun-therapy cosmetology and mineral-therapy. 

• Effect of existing diseases, resurgence of chronic diseases or perpetuation of the conditions for which the insured consciously receive treatments. Convalescence is regarded as part of the illness period. 

• Conditions causes by war, military aggressive, alien adversary actions, hostile operations (with or without declared war), insurgency and terrorist operations. 

• Conditions caused by deliberated self-inflicted injuries or participation in criminal acts. 

• Conditions caused by the insured s participation in professional betting, horse racing, cycling and any other sort of motoring competitions or shows. 

• Conditions caused by the insured s participation in fighting, excluding the cases for self-defense. 

• Conditions caused by the insured participation in professional athletic exercise or the exercises intended for participation in official competition or shows 

• Conditions caused by the radioactive material disintegration or radioactive contamination caused by nuclear fuel radiation or explosive poisonous radioactive materials or hazardous conditions created, directly or indirectly by any explosive nuclear installation or any such nuclear phenomenon. 

• Conditions caused by chronic or prolonged diseases or the diseases suffered and for which being treated by the insured prior to the commencement date of the insurance coverage instigating the insured s or his/her agent s application for aid from Saman Insurance. The convalescence period is considered as part of the duration of illness. 

• Conditions caused by pregnancy during the third quartet prior to the expected date of delivery or by voluntary abortion. 

• Conditions derived from psychological diseases or lunacy. 

• Conditions caused by the total or partial effects of alcoholic beverages, psychotropic and narcotic drugs consumptions, excluding the drugs being prescribed and consumed under the auspices of a competent physician. 

• Conditions caused by death, bodily injuries or diseases due to suicide or suicidal attempts. 

• Conditions caused by the insured s participation in professional contests, climbing (if rope or guide is needed), cave exploration, scuba diving, winter sports, aviation or any sort of flight, excluding the cases when the insured flies in the capacity of a passenger of an authorized plane administered by a licensed commercial aviation agent or under the ownership and management of commercial company. 

• Accidents caused by hard and hazardous labor, such as construction works. 

• Congenital and related disease and disorders. 

1. Assistance request: In emergency cases the insured is required to contact the nearest round-the-clock aid center of Saman Insurance, prior to any personal initiative, to provide them with the following information: 

2. Failure to inform the Insurer: 

1. Restriction: upon the occurrence of loss the insured shall take all the required measures to ensure further expansion of its effects and repercussions. 

2. Recovery: in appropriate cases, the insured shall furnish Saman Insurance with all the documents and proceeding in order to enable the latter to recover the due losses from the relevant sources. 

1. Commencement of insurance coverage coincides with the date of your arrival in the Islamic Republic of Iran as indicated in your passport. 

2. the cost of canceling this policy, given the insured is unable to embark on the trip due to his/her failure to secure the required Iranian entry visa ,is 2€ which in other cases is 3€. 

3. All claims shall be payable in the Iranian Rail or foreign currencies only in place where the accident takes place or disease emerges. 

4. The insured shall not be indemnified against the expenses made by his/her own initiative, without securing prior agreement of Saman Insurance. 

5. All claims shall be notified to Saman Insurance within 72 hours after insured s admission to a hospital or his/her initiative to receive medical consultation. The claims reported after the set deadline shall be considered ineffective. 

6. whenever aid is needed please inform the nearest branch of Saman Insurance to your place of residence or the accident site in Iran of your name, surname, policy number and the date of its validity, passport number, address, phone number, a brief description of the encountered problem and the type of required relief aid. 

7. The policies issued for multiple trips are valid for specified duration, provided each trip does not exceed 92 consecutive days. 

8. Medical costs for the incidents caused by high-risk labor, such as construction works are excluded from this insurance coverage.