IHI TRAVEL
INSURANCE HAS FOLLOWING ADVANTAGES:
- 24
hours emergency Service
-
Direct payment of all hospital bills
-
Access to IHI’s medical consultants
- Free
choice of doctors and hospitals
- Full
cover with no deductible
-
Professional and efficient reimbursement service
-
Worldwide cover during all types of travel leisure, study and business
- No
restrictions on hazardous sports or occupations (except motor sports)
- Free
cover of children under the age of two
- Even
accidents resulting from terrorist acts are covered
IF
YOU HAVE A PRE-EXISTING CONDITION
A Travel Insurance is designed to cover acute illness and injury occurring
after you have started your trip abroad. In order for an illness to be
covered it must be unexpected. Therefore, if you suffer from a condition
before you begin your trip, this will normally not be covered. If you have
a pre-existing condition and if you not sure whether he insurance provides
coverage, you send a medical report to IHI in order to get information
about the cover in your particular situation.
BENEFITS AND PREMIUM RATINGS FOR
INTERNATIONAL HEALTH INSURANCE
(All amounts are in US$)
Treatment by an
authorized doctor or
specialist
100%
Medically prescribed
accommodation and treatment in
hospital
100%
Medically prescribed
medicines
100%
Treatment by a
physiotherapist or
chiropractor
100%
per person,
max
2,500
Pain-stilling dental
treatment by an authorized dentist, max 200
Ambulance transport to
and from the place of treatment
100%
Medical
evacuation/repatriation
100%
Next-to-kin accompaniment
and compassionate emergency
expatriation, two
persons
100%
Hotel accommodation,
meals & local transport for relatives who have
summoned and/or accompany
the insured, per person per day, max 300
Compassionate Emergency
Repatriation
100%
In case of of death,
expenses for statutory arrangements such as embalming and zinc coffin,
including home transportation of the
deceased in a coffin or
an
urn
100%
Insurance amount
:
US$300,000
Premium: all amounts are
in US$
Age
Group Basic premium with SC + Premium per day
2 - 16 yrs 150 +
2.75 US$
17-36 yrs 150 + 3.75
US$
37-59 yrs 150 + 5.50
US$
60-79 yrs 150
+ 7.75 US$
(Subject to 13% VAT)
Mode of payment :
either CASH (US$) or TRAVELER CHEQUES.
NOTE:
1)If the client is from
Belgium, France, Luxemburg, Portugal, Spain, UK or Austria he/she has to pay
a premium tax which is sent to the Government in the given country.
The rates are :
UK: 17.5% of the premium
Belgium : 19.25% of the premium
France : 7% of the premium
Luxemburg: 3.5% of the premium
Portugal : 6% of the premium
Spain : 6.5% of the premium
Austria: 1% of the premium
2) Loading of 300% on
standard premium for individuals and groups working in Iraq & Afghanistan or
traveling there on business.
3) Insured have to
provide their permanent address of the home country.
Abbreviations:
IHI = International Health Insurance
SC = Service Charge by trekking agency
Our all trekking crews are well insured for trip duration
