- Starting this July, the policy goes into effect, and coverage is available on an optional basis for all expats.
In a significant move aligning with President Abdel Fattah El-Sisi’s directives to provide comprehensive care for Egyptians expats, the Ministry of Foreign Affairs, Emigration and Egyptian Expatriates, collaborated with FRA. Their joint effort has led to a substantial enhancement of the personal accident insurance policy for Egyptians expats and their families.
The policy is more comprehensive, better addressing the varied needs of Egyptian expats and their families. This update will boost the insurance payout for death and total disability cases to EGP 250,000, up from the previous EGP 100,000. This increase aims to significantly expand the benefits of insurance coverage for Egyptians abroad. This improved policy officially takes effect this July 2025.
Dr. Badr Abdel-Atty, Minister of Foreign Affairs, Emigration and Egyptian Expatriates, affirmed that the Ministry’s proposal, submitted to FRA for policy development, highlights the state’s unwavering commitment to protect the rights of Egyptian citizens living abroad. He underscored that this insurance initiative clearly demonstrates the government’s profound dedication to ensure the safety and security of both Egyptians expats and their families.
Dr. Abdel- Atty highlighted that this initiative is part of a broader national vision to strengthen the connection between Egyptians abroad and their homeland’s institutions. This is achieved through tangible, secure services that foster a greater sense of belonging and trust. He reaffirmed the Ministry of Foreign Affairs’ ongoing commitment to work closely with the Financial Regulatory Authority and all relevant entities to develop further mechanisms that protect the rights of Egyptians abroad, contribute to a more stable and secure living environment in their host countries.
Dr. Mohamed Farid, FRA Chairman emphasized that this enhanced policy is a prime example of successful collaboration between state institutions, particularly with the Ministry of Foreign Affairs. FRA is committed to boost insurance inclusion and expanding the reach of insurance services, continuously working to develop the sector into a vital contributor to the national economy. Dr. Farid underscored FRA’s dedication to balance insurance protection with economic progress, evident in the recent Unified Insurance Law, which marks a major legislative advancement for Egypt’s insurance market. He added that FRA aims to foster a modern, competitive and protective insurance environment for all Egyptians, both domestically and internationally.
Dr. Farid clarified that the Egyptian Travel Insurance Pool (EPTI) will manage this expanded policy. Notably, for the first time, its scope now includes all Egyptians working abroad and their families, moving beyond the previous limitation to only those with work permits as per the provisions of Law no. 173 of 1958. This broad expansion underscores Egypt’s commitment to its citizens, no matter where they reside.
This policy enhancement directly addresses requests from Egyptians abroad, as confirmed by Ambassador Nabil Habashy, Deputy Minister of Foreign Affairs, Emigration and Egyptian Expatriates. These needs were voiced during the ” 5th Conference for Egyptians Abroad” last year and through ongoing engagement with Egyptian communities. Ambassador Habashy expressed gratitude to FRA and other contributing entities for their efforts in bringing this beneficial policy to fruition for millions of expatriates. He stressed that extending coverage to all Egyptians working abroad and their families, regardless of their work permit status, is a crucial step towards insurance equity and comprehensive support for all Egyptian expatriates.
Dr. Islam Azzam, FRA Vice Chairman reiterated the Authority’s priority in developing flexible and comprehensive insurance solutions. These solutions are designed to provide Egyptians abroad with effective coverage tailored to their specific situations. He stated that a key method for achieving this is the expansion of the personal accident insurance policy to encompass all Egyptians working abroad and their families. This represents a strategic initiative to enhance insurance inclusion and provide vital financial protection for diverse segments of the nation’s citizens living abroad.
The recently adopted insurance policy, officially published in “Al-Waqa’i’ al-Masriyah” (The Egyptian Gazette), significantly expands the scope of coverage for Egyptians working abroad. In a move aimed at bolstering insurance inclusion and ease of access, Egyptians and their families abroad, even those without formal work permits, can now subscribe to this policy. They can do so conveniently through the Egyptian Travel Insurance Pool (EPTI) website, mobile application, and WhatsApp. This new initiative offers increased financial protection in crucial situations, including natural death, accidental death or permanent total disability resulting from an accident occurring while the insured is abroad.
The policy details specific financial provisions for different scenarios. In the unfortunate event of a natural death, the Egyptian Pool will cover the actual costs of repatriating the remains, up to a maximum of EGP 250,000. Should the family opt for burial abroad; the Pool will pay an amount equivalent to the cost of repatriation from the country of death back to Egypt, guided by similar repatriation compensations paid within the same year. The term “repatriation of the remains” comprehensively covers the preparation, shipping and transportation of the deceased.
For cases involving death due to an accident, the Egyptian Pool will bear the actual costs of repatriating the remains to Egypt, provided this occurs within one year from the date of the accident and relevant documents are submitted to the Pool. Any remaining insurance payout will then be distributed among the legal heirs as per the inheritance declaration. A key condition for coverage under this insurance policy is that the insured age must be between 18 and 70 years at the precise moment the incident occur.
Last modified: July 15, 2025