- Description of the program
What is covered by the program
Insurance Assistance while travelling abroad compensates the expenses incurred in the result of an accident or health deterioration of the insured person while travelling, as well as, with additional insurance premium, expenses arising from COVID-19, damage to the life, health and property of third parties, injuries resulting from engaging in dangerous sports (hobbies), baggage loss or delay, trip cancellation and delay, and travel inconveniences.
Accidents, risks
There are 2 tariff plans within the framework of the program: STANDARD, which is designed for a specific number of days, and MULTY, for signing a contract for a total number of days during the year.
BASIC package
Emergency medical services Medical transport services Repatriation Compensation for accident reporting costs Legal advice costsCOMFORT package
Emergency medical services Medical transport services Repatriation Compensation for accident reporting costs Legal advice costs Emergency medical services in case of COVID-19 Repatriation in case of death from COVID-19 Damage to life, health and property of third partiesSPORT package (only for STANDARD tariff plan)
Emergency medical services Medical transport services Repatriation Compensation for accident reporting costs Legal advice costs Emergency medical services in case of COVID-19 Repatriation in case of death from COVID-19 Damage to life, health and property of third parties Dangerous sports (hobbies)Additional services*
Baggage loss and delay Trip cancellation and postponement Travel inconveniences*Only when purchasing STANDARD tariff plan packages, with the application of an additional insurance premium.
Insurance premium
1-day insurance premium starting from AMD 220Annual insurance premium starting from AMD 9 000
Insurance period
The insurance contract can be concluded for a period of 1 days to 1 year.** The minimum basic insurance premium for one insurance policy cannot be less than AMD 1 000.
- Data required for the contract
Document of identification of the Insured and the Insured Person.
Depending on various circumstances, additional documents and information may be required.
For the purpose of due diligence of the customer as defined in the RA Law "On Combating Money Laundering and Financing of Terrorism", the Company may request additional documents or other information from the consumer based on the "Know your customer" principle, as well as ask additional questions during oral communication.
The type of insurance, insurance class and (or) subclass, the procedure and conditions for re-signing, reformulating the insurance contract, the conditions, terms and tariffs for providing copies of the contract, references and other information during the validity of the insurance contract, as well as the cases and conditions of early termination and termination of the insurance contract, including the amount of insurance premiums subject to refund to the policyholder and the procedure for calculating them are presented in the Terms attached below.
- Description of the program
Frequently Asked Questions
HOW DO I USE HEALTH INSURANCE PACKAGE? DO I HAVE TO MAKE A PRIOR APPOINTMENT WITH THE DOCTOR BEFORE CALLING THE INSURANCE OFFICE?Yes, you have to make an appointment. You can contact us at 010 500010 or register your claim online.
CAN I CHANGE A MEDICAL INSTITUTION DURING THE CONTRACT PERIOD?When purchasing a contract, the insured party chooses one of the partner medical institutions to their preference and makes use of the services provided by that institution throughout the contract period.
HOW SHOULD THE CASE BE REPORTED WITHIN TRAVEL INSURANCE COVER PROGRAMME?When clients sign their travel insurance cover contract, they learn the insurance terms and are given the contacts of the support agency. Cases should be reported by calling the listed numbers and the instructions of the support company should be followed.
Another option is to contact NAIRI INSURANCE through Viber and to share with the insurance company the doctor’s prescriptions, payments and receipts. The case should be reported in writing to the insurance company within ten business days of the arrival in Armenia.
WHAT HAPPENS IF THE INSURED PARTY SUDDENLY STARTS FEELING BAD, HAS BEEN HOSPITALIZED AND HAS NOT MANAGED TO CONTACT THE SUPPORT AGENCY?When making any payment, keep the receipts and accompanying medical papers. As you arrive in your country, submit them to the Insurance Company within ten working days.
DOES THE INSURANCE COVER DRUG EXPENSES?It does if the drugs were purchased through the doctors’ prescriptions for the case covered by insurance.
CAN AN INDIVIDUAL PURCHASE A TRAVEL INSURANCE COVER WHEN ABROAD?No, the contract should be purchased prior to their departure.
CAN THE CONTRACT BE TERMINATED BEFORE IT ENTERS INTO FORCE?To terminate a contract the passport of the insured party and two copies of the contract should be produced.
WHAT SHOULD THE INSURED PARTY OR PERSON DO IN CASE OF AN ACCIDENT?If there has been an accident, the Insured Party has to immediately call the Company at the mentioned telephone number.
FOLLOWING THE ACCIDENT WHEN SHOULD THE CLAIM APPLICATION BE SUBMITTED?The Insured Party has to submit a written report to the Insurance Company within three days of the accident.
IF I HAVE RECEIVED THE INSURANCE COVER AND THE INSURANCE PREMIUM HAS DECREASED, IS IT POSSIBLE TO RESTORE IT?On the receipt of insurance cover, the Insured Party has the right to restore the initial insurance cover through an additional insurance premium. For example, if your contract states the insurance coverage to be 500, 000 AMD and if you have suffered a property damage received a cover of 200, 000 for it, then your insurance coverage makes already 300, 000 AMD. However, if you make a further insurance premium payment, the initial coverage will be restored.
DOES THE INSURANCE COMPANY AFFORD THE RIGHT TO CLAIM REIMBURSEMENT OF THE COVER FROM THE PARTY THAT INFLICTED THE DAMAGE?Yes, since the contract states that on the payment of insurance cover, the Insurance Company is granted the right of the Insured Party to to seek reimbursement for the payout.
For example, if an X party is responsible for the inflicted damage, you will not have to be involved in any legal disputes with that X party, as the Company will cover your loss and is granted the right to claim back reimbursement from the Party.
Personal
Travel Insurance Cover for International Travellers
Are you fond of travelling but prefer a staycation in Armenia? Do you think that it is risky to take an international trip? For instance, you may start experiencing a sudden toothache or some health issue. Medical care abroad is rather costly, hence you prefer to avoid the risk by not travelling abroad. Purchasing “Travel Insurance Cover for International Travellers” will help you eliminate any problems and concerns during your trip.
