Is travel insurance included with the Umrah visa, and what does it cover?

What the included Umrah insurance covers (Council of Health Insurance policy)

• Emergency medical examination, treatment and medicines.
• Hospitalisation.
• Emergency pregnancy and delivery.
• Emergency dental care.
• Urgent dialysis.
• Urgent medical evacuation.
• Injuries from traffic accidents.

A maximum benefit of SAR 100,000 has been reported.

What it doesn't do

• It is for emergencies inside Saudi Arabia, not routine care or treatment in India.
• It isn't trip-cancellation, lost-baggage or flight-delay cover of the kind a full travel insurance policy offers.

Our advice

• Consider separate travel insurance from India if you want cover for cancellations, baggage or pre-existing conditions.
• Carry a summary of medical conditions and medicines.
• Save the insurer's details from your visa documents on your phone.

Next step: our guide on who pays when pilgrims are stranded explains what happens if flights are disrupted.