Iran Travel Insurance
To collect your visa at the airport or at the embassy you need to show proof of your travel insurance coverage. If you don't have a travel insurance or your travel insurance is not valid for Iran, your visa won't be approved. Many insurances are not valid in Iran, so always check if Iran is mentioned on your insurance, even if it says "worldwide".
Where you can obtain an Iran Travel Insurance
How much does the Iran Travel Insurance cost?
Here is the price list of the Iran travel insurance for 2023-2024:
|Price per person in EUR for 2023-2024|
|Period/Age||Under 12 years old||12 - 65 years old||65 - 70 years old||70 - 80 years old||Over 80 years old|
|1 - 7 days||10||20||25||30||40|
|8 - 15 days||15||30||35||40||60|
|16 - 31 days||20||40||45||50||80|
|32 - 45 days||25||50||55||60||120|
|46 - 62 days||30||60||65||70||160|
|63 - 92 days||35||70||75||80||200|
The General and Specific Terms of Corona Virus Insurance Policy
1st Chapter - Generalities
Article 1 - The Basis of the Contract:
This contract is regulated between the insured and the insurer based on insurance law enacted in 1937 and the
written proposal of the insurer (acts as the inseparable part of the policy) and it is agreed by the parties. That part of the written proposal of the insurer that is not accepted by the insured is not considered as the commitment of the insurer. In case the insured and the insurer are not the same, the insurer must present the written consent of the insured and in case the insured does not have legal capacity, he must present the consent of his guardian; otherwise, the policy is invalidated.
Article 2 - The Definitions and Terminologies:
The definitions and terminologies of this insurance policy are used with these concepts, regardless of any other meaning they may convey.
The Insurer is the insurance company the particulars of which is stated in the policy and is obliged to pay for the damages or indemnification of events based on conditions stated in the policy.
The policyholder is the natural or legal entity the particulars of which is stated in the policy and
is obliged to pay for the premium and performing the duties stated in the policy.
The assured is the person that his/her particulars is stated in the policy and the insurer is obliged to pay for the damages or physical indemnification due to the risks, covered by this insurance policy.
4- The Beneficiary:
They are the natural or legal entities that their particulars are stated in the policy and they receive the damages or indemnifications of the policy. In case the beneficiary is not determined in the policy, the damage is paid to the insured and in case of death, it will be paid to the legal heir, in proportion to the share of inheritance.
A sum that the insured is required to pay to the insurer under the private terms of the insurance
6-Insurance Capital or Insurance Indemnification:
It is the amount that the insurer is obliged to pay to the beneficiary, in accordance with the rules of the policy, conditioned that the risks covered by the insurance are realized.
7-Terms of Insurance:
Except in cases where it is otherwise agreed in the insurance policy, the insurance policy is valid for one year and the start and expiration date is specified in the private terms of the insurance policy.
An abnormal physical or mental condition, diagnosed by the physician that disrupts the body's normal functioning and movement.
Insured risks: Providing compensation by the insurer's company in compliance with the exceptions and restrictions set forth in Insurance policy, which includes death benefit, medical costs related to hospitalization and daily indemnification for hospitalization, all caused by Corona Virus (Covid 19).
2nd Chapter: The Duties and Obligations of the Insurer
Article 4: The Principles of Good Will:
The policyholder and the insured are obliged to answer the questions of the insurer by observing honesty and accuracy and to give all the information related to the insurance to the insurer. In case the insured and the policyholder resist to tell the truth intentionally, the insurance policy will be invalidated, even if the falsified content has no effect in the insurance. In this case, not only the fund of the insured is not retuned, but the insurer can claim for the rest of the premium. In case the insured intentionally resists to state the terms that affect the obligations of the insurer and the duties of the policyholder during the validity period of the policy and at the time of damage, refusal will be considered as non-observance of the good will. In case it would be unintentionally, the policy is not invalidated. In this case, whenever the falsified or not spoken content precedes the event, the insurer is authorized to get the rest of the premium from the insured (in case of his consent), to invalidate or to keep the contract. In case of termination, the insurer must notify the policyholder by sending letter. Termination effect starts ten days after the policyholder received the letter and the insurer must reimburse the policyholder for the excess insurance received up to the date of termination. In case the event precedes the falsified or not spoken content, the damage will be reduced based on the premium that is fully paid in case of risk.
Article 5-Premium Payment:
The policy is issued upon the request of the policyholder and the agreement of the insurer. However, the commencement of insurance coverage and the fulfillment of the insurer's obligations are subject to the payment of insurance in the order provided in the insurance policy.
Article 6- The Duties of the Insured, the policyholder and the Beneficiary in case of fulfillment of risks covered by policy:
Clause: If the insurer, the insured or the beneficiary do not fulfill the obligations stipulated in this article, the insurer can reduce the payable damages in proportion to the effect of negligence in increasing the damages, unless they prove that they weren't capable of performing their duties for reasons that weren’t in their control.
3rd Chapter: The Duties and Obligations of the Insurer
Article 7: Damages Legally Obligated to Pay:
According to this insurance policy, in case of damage due to Corona (COVID 19), death benefit and medical expenses related to hospitalization and daily hospital compensation must be paid by observing the following conditions:
Clause: The maximum medical cost owed by the insurer during the term of the insurance policy and in accordance with the amount stated in it, is calculated based on the tariffs announced by the Ministry of Health and Medical Education for the public and private sectors.
Article 8: Deadline for the Payment of Damages:
After receiving all the documents related to the damage, the insurer must review the documents and announce the result within a maximum of 30 days, and in case of non-eligibility to receive the damage, he must notify the policyholder or the beneficiary in written and he must state the reasons. In case of acceptance, the damage will be paid. In case the insurer postpones the payment of damage after the completion of the documents, actions will be taken in accordance with verdict of article 522 of Civil Procedure Law.
4th Chapter: Damages not covered by the Insurer
The cost of CORONA Test is not included in the obligations of this insurance policy.
Article 9: Cases of Termination of Insurance Policy:
The parties can nullify the policy in the below cases: A-Termination by the Insurer: The insurer can nullify the policy in the below cases. In this case, the premium and the validity term of the policy will be paid daily.
B-Nullification by the Insured:
The insured can nullify the policy. In this case, the insurer will calculate the premium till the termination date based on short-term tariff. Unless the termination is documented by the insurer for one of the following reasons, in which case the premium will be calculated on a daily basis until termination.
Article 10: Cases of termination of insurance policy:
In case of death of the insured due to the realization of the risk not covered by this insurance policy, the insurance policy will be terminated from the time of death of the insured. In case of termination of the insurance premium, the expired period is calculated based on the daily tariff. Clause: In group contracts, insurance coverage will be revoked only for the deceased insured.
6th Chapter: Other Cases
Article 11 - Waiting Period:
The waiting period is 15 days from the issuing date (waiting period is the period during which the insurer is not obliged to pay for compensation).
Article 12 - Written Statements:
Any kind of suggestion or declaration by the insurer or insured in relation to the policy must be submitted to the last address of the other party in written and by observing the related rules.
Article 13: How to Resolve the Disputes:
The parties must resolve their disputes through discussion. Otherwise, they should resort to the court to solve their problems through the judge. In case of selecting the judgment method, they are allowed to select one mutually agreed arbitrator. In case of disagreement for assigning the arbitrator, each other must introduce his/her arbitrator to the other party in written. The selected arbitrators select a third arbitrator as the chief and after handling the dispute, the decree will be issued, by considering the majority of the votes. In case each of the parties resist to introduce his elected arbitrator 30 days after the announcement of the judge of the other party or in case the arbitrators cannot find a chef arbitrator, each of the parties can request for the arbitrator or chief arbitrator from the competent court based on issue. Each of the parties pays the wage for his/her elected arbitrator and half for the chief arbitrator and at the end, all arbitration costs will be borne by the party against whom the verdict is issued.
The insurance period of 90, 180 and 365 days depends on the private conditions stated in the insurance policy.
All the other conditions and rules are in accordance with Bylaw No. 84 of Supreme Council of Insurance.