Factor influencing the cost of insurance
The cost of acquiring a travel insurance policy is not fixed, and as such; the premium of any insurance policy depends on several driving factors. These factors are not limited to the following below:
Some Insurance companies may offer travel insurance services for different premiums, depending on their interests and business strategies. Some companies may require the insured to pay certain amount of deductibles, while other insurers may not require the insured to pay deductibles before the actual coverage can begin to take effect.
Age of potential client
The age of the individual requesting the insurance policies determines the cost of the insurance policy. For example, the premium for an adult will be less expensive than the premium required to cover a child or an old person above 64 years.
Some insurers may provide policies with the capacity to cover children.
More so, a high premium is associated with multiple companions. For instance, some insurance companies provide the capability for the insured to extend the insurance policy’s coverage to children below 2 years, without incurring an additional cost. Contrary to this, a huge amount of premium will be required to extend coverage to other family members, close relatives or friends, and the cost of such extension will be multiplicative.
The travel insurance policy can be customized by including non-medical options to shield the policyholder from experiencing risks that may pose financial catastrophe.
Several Insurance companies provide no coverage for pre-existing condition, but a few of them provide policies that are capable of covering certain kinds of pre-existing conditions at an additional cost.
Provides compensation for the insured, especially when the insured experiences certain kinds of unpredicted circumstances beyond control. Provided this option is included by the insured, the trip cancellation option would provide compensation in the following situations:
- Sudden illness or death of the insured’s family member or close relatives.
- The insured is medically unfit for the trip.
- The insured’s local embassy advises traveler against travelling to Egypt due to state of emergency, or the insured’s local airport authority suddenly grounds all flight to Egypt for a certain period of time.
- The insured is suddenly involved in a law suit.
- A military conscription takes place and the insured is ordered to report back to the Barracks for a critical assignment.
In the event of the aforementioned cases, the trip cancellation option will necessitate compensation, if the trip is cancelled before the trip, and if the insured provides documented evidence.
The dental insurance is meant to cover the expenses involved in receiving regular oral and dental care during the insured’s period in Egypt. If this option is included, the insured will have access to the following dental services:
- Regular Cleanings.
- Filling of gaps.
- Crowns and root Canals.
- Oral Examinations by the Dentist.
Several tourists love to keep fit during vacation and they are usually enthusiastic about engaging themselves in several outdoor events like marathon, horse racing, bike race, football and other demanding kinds of sport activities. However, certain kinds of injuries could occur with long lasting implications. In such situations, the sport insurance option will cover the expenses associated with these injuries and provide compensation, when the insured is unable to perform his or her duty.
For instance, if an engineer sustains severe fracture at both arms, and can’t continue his job for a long period of time, the sports insurance will provide compensation, especially if he had included the sport insurance option.
The Personal liability insurance shields the insured by protecting him/her from expenses associated with settling an offended third party. The insured tourist may mistakenly inflict injuries on a third party, while he or she is on vacation in Egypt, and the third party might file up a petition against the insured. In order to prevent these kinds of legal expenses, travelers are encouraged to include this option. The Personal Liability will cover the cost of hiring a competent lawyer to negotiate on the insured’s behalf, especially if damages are inflicted upon a third parties property or if accidental injuries are caused by the insured.
An additional option that provides compensation for accidents, which directly leads to the death or dismemberment of critical body parts or permanent disablement of an insured, provided this option is included by the insured before the occurrence of such an accident.
The accident insurance policy will provide compensation during the following cases:
- Death caused by Accident, and not by a previously existing illness.
- Loss of Limbs.
- Loss of Extremity.
Baggage Insurance covers the insured from risks associated with loss or damage of personal properties to theft, fire or disasters, while the insured is absent from his/her country of residence.
The coverage of reasonable expenses resulting from the loss or damage of properties like cash, tickets, credit cards, driver's license, securities and passport, depends on:
- Terms and conditions stated in the insurance policy document.
- Addition of the baggage Insurance to the insurance policy, before the occurrence of the insured event.
The risk of experiencing loss or theft of baggage during a scheduled trip exists, and these situations will be covered by the insurance policy, only if this particular option is included by the insured before the occurrence of the insured event.
Health Care Services in Egypt
Egypt’s health care services varies enormously across several hospitals which could either be private or public. Compared to other western health care services and facilities, the health facilities of Egypt are greatly out-matched. Despite the establishment of a national health scheme, which provides opportunity to receive free health services in public health institution, the average and affluent citizens patronize the private health sectors. Hence, it is necessary for tourists and other foreigners to request health services with an insurance policy.
In addition, foreigners should perform surgical procedures in a reputable private hospital, and if there are no alternatives, then the surgery should be performed outside Egypt. For instance, the health institutions in either United Arab Emirate (UAE) or Israel would provide such services.
This disease is caused by the careless intake of contaminated water and food. Before travelling to Egypt, travelers should ensure that they receive the complete dosage of Harvix – a hepatitis vaccine.
This is also a very dangerous disease that is associated with the consumption of contaminated water and food. This disease can be prevented by receiving the adequate dose of either vivotif or Typhim VI. Travelers are also advised to consult their Doctors before receiving these vaccines. This is due to the fact that most typhoid could cause an allergic reaction. Individuals may vomit or experience severe stomach pains.
This is another deadly and viral disease caused by infections from animal bites. The rabies viruses are hosted by dogs, bats, cats, bats, rats, wolves and etc. Travelers who intend on camping, hiking and surveying the caves are advised to get the imovax or rabavert vaccines and stay away from strange animals. They should also protect their pets from strange animals.
This dreadful disease is contracted through sexual contact with an infected victim, contact with contaminated blood, needles and unsterilized sharp instruments. Travelers are advised to get the Recombivax HB vaccine before travelling to Egypt in order to eliminate the risk of being infected at the expense of satisfying a pleasurable desire.
Besides these issues concerning vaccines, travelers should avoid the intake of water from either the well, tap or any unknown source. Although, water may be scarce and expensive, as a result of the country’s proximity to the desert and low supply from the Nile River during the hot summer, it is still safer to get drinking water from an originally sealed bottle, manufactured by a reputable water bottling company.
In addition, travelers should avoid consuming food from strange sources and street food vendors. They should also wash their hands before meals and after using the lavatory. If there is no water, the hand sanitizer would be much better. More so, travelers should also avoid the intake of unpasteurized dairy products, uncooked food, unwashed and unpeeled fruits.
Egypt is usually hot or warm during the day and cool at night. It has two major seasons namely: the mild winter which predominates during the period of November to April, and the hot summer which occurs during the period of May to October. The coastal region is characterized by a temperature of 140 C during the winter season and 300 C during summer. However, at the Eastern deserts of Cairo; the temperatures of 70 C and 430 C are experienced respectively during night and day.
The most common natural disasters in Egypt are flooding, droughts, earthquakes, landslides, sand storms, dust storms and khamsin – a windstorm.
According to WHO, about 12000 lives are lost as a result of road accidents. Egypt has 42 deaths per 100,000 inhabitants, and 48% of casualties are passengers of four-wheeled vehicles. While approximately 20% of these casualties are pedestrians. These accidents occur as a result of violating the rules and regulations governing road usage by driving either on high speed or under the influence of alcohol.
Several criminal acts have been perpetrated against foreigners and tourists in Egypt, and these acts are usually opportunistic in nature. These disturbing acts are not limited to pickpocketing, property (purse) snatching, kidnapping, theft of gadgets like phones and other electronics. There have been reports about acts of armed robbery, but such categories of crime are infrequently experienced.
Women continue to remain frequent victims hoodlums who cause severe injuries in the process of trying to snatch handbags and purses while zooming off the street in motors bikes. Several tourist and other foreigner have also fallen prey to tricksters who pretend to request for assistance and vanish with the victim’s personal belonging within a blink. Travelers should beware of strangers, and if they most give arms to the poor, such generosity should be channeled through reputable charity organization.
In addition, travelers should avoid lifts from strange vehicles, rather the services of reputable taxi companies should be employed. Female tourists and foreigners should always dress in a decent manner to avoid cases of being groped, raped or experiencing other forms of sexual harassments.
Similar to several other countries, Egyptian government battle with challenges of terrorist attacks from one of the world’s most dangerous terrorist organization. There are several terrorist cells that plan devastating acts against government security forces, tourist centers, Airlines, Embassies and other diplomatic establishments. Several of these terrorist groups have claimed responsibility for several attacks at the Sinai Peninsula. They operate in isolated areas of Egypt’s western deserts such as the Nile valley.
The following timelines provides a brief illustration concerning the previous acts of terrorism in Egypt over the past two years:
31st October, 2015
Along the flight route of Sheikh to St Petersburg
A plane crash in which 224 passengers lost their lives, as a result of an explosion that was later discovered by joint investigation of both the Russians and Egyptian Authorities
9th Dec, 2016
Checkpoint at Pyramid Road in Giza
Improvised Explosive Device (IED) attack that claimed the lives of six (6) police officers
11th December, 2016
St Peter’s and St Paul’s Church, Abbaseya, Cairo
Suicide bomb which killed 29 people
8th January, 2016
Bella Vista hotel, Hurghada
Knife attack inspired by Daesh, which lead to the injury of three (3) foreign tourists and death of an attacker
18th April, 2017
Security checkpoint near St Catherine’s Monastery, Mount Sinai
Gunshot attack which claimed the life of a police officer
20th Oct, 2017
Bahariye Oasis, Western Desert
Terrorist attack which claimed the lives of several police officers and militants
Tourists should beware of some dangerous area in the Mediterranean coast of Alexandria, Eastern Dessert, Suez Canal and Sinai Peninsula, which may still be harboring some unexploded World War II mines.