As is standard practice with legitimate tour operators and in particular due to the isolation of the country Koryo Tours insist that tourists travelling to DPRK have full medical insurance. We will not take you into the country without this so please read the following:
Koryo Tours cannot be held responsible for any mishap to yourself or your property and in particular any consequence or effects of flight/train cancellation/delay, robbery, sickness, Government intervention or other such happenings.
You are advised to insure yourself against any possible risk that may occur and in particular to ensure that sufficient insurance has been obtained in respect of any dependant relatives. It is your responsibility to be covered by insurance which must include medical expenses and the cost of repatriation should you become too ill to continue.
Any claims must be directed to your insurers. We will require you to sign a form stating that you have adequate insurance coverage and that Koryo will not be held liable for any medical expenses you may incur.
If you have a medical condition which may affect your health or safety in North Korea you must inform us before visa application.
Koryo Tours is pleased to be able to offer comprehensive medical travel insurance to all our clients at a reasonable rate and through a system that means it is available to purchase as late as one day before the tour.
In cooperation with AXA Insurance Group. We can offer packages for 7 or 12 days (longer on request - maximum 90 days) that will allow all the usual travel fears of what fees could be run-up if you ever needed emergency treatment on a tour, or to medically evacuated to Beijing or beyond for medical care for which unlimited coverage is offered – for a full list of what the policy covers and to what extent please contact us.
Please note that our travel insurance is designed to ensure you are covered in the event of a medical emergency in the DPRK, and while it does cover some other potential travel related expenses, we recommend taking out a separate policy to ensure you are fully covered for all possible travel related eventualities.
The prices are listed below, this can be paid in cash at the pre-tour briefing one day before the tour and coverage will take effect from the day of departure to the DPRK. Please email us as far in advance as possible if you would like to take out our insurance policy in order to avoid any problems.
If you are between 71 - 80 years old you will need to provide additional information -please contact us for more details.
7 days is the shortest package available but this doesn't only cover you in North Korea, it is good for worldwide coverage with the exception of domestic travel in China. Having an insurance policy during your travel period can give you a peace of mind and know that in the event of an emergency happening on your travels you will be adequately insured.
The Schedule of Benefits is as follows with maximum limit per insured;
1. Personal Accident
Accidental Death, Burns & Dismemberment - 1,000,000 RMB for an adult / 100,000 RMB for a minor
2. Medical & Related Expense
Medical Reimbursement - 500,000 RMB for an adult / 350,000 RMB for a minor
Chinese herbalists and bone setters fees are subject to a maximum of 100 RMB per visit per day, up to a maximum of 1,000 RMB
Compassionate Visitation (Overseas Trip Only) - Equivalent cost of round way economy class airfare (actual cost)
3. Emergency Assistance Service (incl. Emergency Evacuation & Repatriation, Repatriation of Mortal Remains)
Repatriation of Remains and Funeral Expenses Limited to - Unlimited
Funeral Expenses Limited to - 16,000 RMB
Return of Minor Children - Equivalent cost of one way economy class airfare (actual cost)
4. Travel Inconvenience
Loss of Baggage and Personal Effects - 30,000 RMB
Limit per Item or Set of Items - 3,000 RMB with deductible/excess of 100 RMB per item
Baggage Delay - 250 RMB for every 8 hours of delay up to 1,000 RMB
Loss of Money and Travel Documents - 6,000 RMB
Limit for loss of money - 3,000 RMB with deductible/excess of 100 RMB per claim
Personal Liability - 1,000,000 RMB
Travel Delay - 300 RMB for every 6 hours of delay up to 3,000 RMB
Trip Cancellation - 20,000 RMB
Trip Curtailment - 20,000 RMB
Travel Misconnection - 300 RMB for every 12 hours of delay up to 300 RMB
Hijack - 300 RMB for every 24 hours of hijack up to 3,000 RMB
5. Automatic Extension of Coverage - 10 days maximum
6. Aggregate Limit Per Accident - 1,000,000 RMB
NOTE: On meeting with us at Koryo Tours' office in Beijing we will require you to sign a form stating that you are not a journalist and that you will not publish anything about your trip. We are sorry to have to insist upon this but at the present time journalists are not permitted to enter the DPRK, if you are a journalist and are interested in travelling to the DPRK then please let us know and we will do our very best to assist you.