Conditions for the COVID-19 Cover to be Applicable under Your Travel Insurance Policy

Travel insurance has been a mandatory part of international travel for some time now. With the COVID-19 pandemic raging across the world, insurers are now extending benefits associated with coronavirus-related medical emergencies abroad as well.

We offer comprehensive coverage for all medical expenses, should a traveller contract COVID-19 in one of the designated countries outside Kuwait. However, these are subject to certain conditions. Take a look.

Positive RT PCR Test

The coverage shall be granted only on submission of a positive RT PCR test, 72 hours after the arrival of the insured person at the destination. Hospitalisation charges will be limited to a maximum of 10 days due to medical complications on account of COVID-19 only, rather than any pre-existing known or unknown health condition.

Stuck Outside Home Country

In a situation where you are stuck overseas and cannot return to your home country, due to a virus outbreak and subsequent lockdown, the policy can be renewed upon contact with a company consultant. Failing to do so will lead to no benefits being offered by the company in case the traveller faces any unforeseen incident abroad.

The company shall renew the policy upon notification, but it will require a waiting period of 72 hours before the policy comes into effect.

Medical Evacuation and Repatriation

The company shall bear the expenses of medical repatriation to the country of residence, up to a specific amount, as per the Schedule of Benefits.

It is recommended to avoid international travel during the pandemic. However, if you do need to travel, ensure you understand all the terms and conditions of your travel insurance policy and its COVID-19 coverage.