Originally Posted by
nomiiiii
They will not. The terms and conditions say "Testing costs not covered", which basically means most medical tests done won't be covered. So what else is left? The cost of ventilator? The terms and conditions also say that any costs must be paid directly by them (so in a medical emergency if you hand over your credit card to the clinic/hospital, they will not reimburse you after the fact).
Basically the terms and conditions are such that, practically speaking, all they're promising is an economy flight back to your home country and nothing else.
The biggest advantage of this PR stunt is that you can use it to satisfy the beaurocratic requirement of having a covid-related insurance (when entering UAE or elsewhere). You won't actually get paid by the insurance, but it will check the box
Actually the terms and conditions say "
Your COVID-19 testing expenses are not covered."; this means to me that the test you take at the border or somewhere else to determine if you have Covid-19 is not covered. Otherwise the terms and conditions of the insurance do not limit the coverage of other medical tests. Under the terms and conditions medical costs are defined to include "Medically prescribed pharmaceutical, surgical, practitioner's and hospital costs required for the diagnosis and treatment related to COVID-19" and the policy covers "any medical cost related to Covid-19" if you are outside your country of residence.
While the policy is limited to while you are away from home it is not that unlike some common travel insurance policies that cover medical expenses abroad. Since some of these common travel insurance policies have been excluding coverage for Covid-19, one way to look at this policy is to consider that it is supplemental to other travel insurance you might have. While I wouldn't base a decision to travel based solely on the provision of this coverage by EK, it certainly doesn't hurt anything.