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Personal accident insurance provides tourists with coverage against any damage or accident that may be caused to the insured tourist inside Egypt and compensated with medical expenses, and in the event of total or partial disability, he is compensated with a certain amount of money, as well as other coverage can be added such as compensation against injuries and damages resulting from terrorist acts.
Going out on a trip to another country whose primary purpose is fun and entertainment, but on the other hand, foreigners or tourists coming for the purpose of entertainment or attending international conferences, sports, or competitions, or participating in performances may be exposed to injuries that require the existence of an Inbound Travel Accident Insurance.
Inbound Travel Accident Insurance
An Inbound Travel Accident Insurance covers any damages that may affect tourists, which are:
Accidental death or bodily injury.
Death due to any disease.
Loss or damage to personal items or property lost as a result of fire, explosion, collision, crash, sinking or transport accidents.
Loss of checked baggage pack.
In the event of any accident from the previous occurrence of the insured during his trip to travel outside his country, the insurance company will pay the sum insured as stated in the agreed policy, within 90 days from the day of the accident.
In cases of permanent disability, the insurance company will pay the sum insured as stated in the policy, in the event that the insured suffers an accident during the trip that led to permanent disability, and the disability must be certified by a practicing physician.
What cases are not covered by Inbound Travel Accident Insurance?
The travel insurance policy does not cover:
Infectious diseases except (Covid-19 which has become newly covered).
Pre-existing medical conditions.
General exceptions are mentioned in the agreed document.
Often before agreeing on the policy, an insurance company's service representative will submit a claim form to also explain the documents you need to submit for approval in accordance with the terms and conditions of the policy.
Benefits of an Inbound Travel Accident Insurance
In the event of the death of the insured person due to an accident covered by a tourist accident insurance policy, the insurance company must pay the insurance amount stipulated in the insurance policy in full.
The insurance company pays any medical expenses necessarily incurred as a result of an accident or illness covered by an Inbound Travel Accident Insurance including:
Daily allowance during hospitalization.
Expenses for repatriating the property and belongings of the insured person.
The insurance company shall indemnify the insured for any matter relating to lose or damage to his personal effects and property covered by this insurance under the specific provisions of the policy drafting.
What are the documents required for Inbound Travel Accident Insurance?
A copy of the passport.
A copy of the ID card.
A form was filled out as per the requirements of the insurance company.
What is the difference between internal and external travel insurance?
Overseas travel insurance provides coverage for tourists departing from their hometown to different parts of the world, while domestic travel insurance provides coverage for travelers coming to the same country from any part of the world, and cannot apply