Do I need travel insurance for হজ্জ?

Yes, health insurance is mandatory for all হজ্জ হাজীগণ entering Saudi Arabia. The Saudi government requires that authorized হজ্জ operators provide basic health insurance as part of their packages. This typically covers জরুরি medical treatment at designated হজ্জ healthcare facilities. However, this basic coverage may not be sufficient for all situations.

It is strongly মুস্তাহাব to purchase additional comprehensive travel insurance that covers: জরুরি medical expenses beyond the basic plan limits, medical evacuation (including air ambulance), trip cancellation or interruption, lost or delayed luggage, personal liability, and repatriation of remains in the unfortunate event of death. Given the physical demands and extreme heat during হজ্জ, the risk of medical emergencies is real.

When choosing insurance, verify that the policy explicitly covers Saudi Arabia and religious হজ্জ travel, as some standard travel policies exclude it. Check the coverage limits — medical treatment abroad can be expensive. Also confirm the policy covers pre-existing conditions if applicable. Keep digital and physical copies of your insurance documents with you at all times during the হজ্জ.