1var e={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What does medical insurance cover in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Medical insurance in Egypt typically covers hospitalization, outpatient visits, prescription medications, diagnostic tests, emergency care, and preventive health screenings. Coverage varies by plan and may include dental, optical, and maternity benefits depending on the policy level."}},{"@type":"Question",name:"How much does individual medical insurance cost in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Individual medical insurance costs in Egypt vary based on age, coverage level, and pre-existing conditions. Basic plans start from around EGP 3,000-5,000 per year, while comprehensive plans with higher limits can range from EGP 15,000-50,000 or more annually. Mal Bazaar helps you compare quotes from multiple insurers to find the best value."}},{"@type":"Question",name:"Can I add my family to my medical insurance plan?",acceptedAnswer:{"@type":"Answer",text:"Yes, most medical insurance plans in Egypt allow you to add family members including spouse, children, and sometimes parents. Family plans often offer better value than individual policies. Through Mal Bazaar, you can compare family medical insurance options from multiple insurers."}},{"@type":"Question",name:"Are pre-existing conditions covered by medical insurance?",acceptedAnswer:{"@type":"Answer",text:"Coverage for pre-existing conditions varies by insurer and policy. Some plans exclude them entirely, others cover them after a waiting period (typically 6-24 months), and premium plans may offer immediate coverage with higher premiums. Mal Bazaar displays pre-existing condition policies clearly when comparing quotes."}},{"@type":"Question",name:"How do I file a medical insurance claim in Egypt?",acceptedAnswer:{"@type":"Answer",text:"For network hospitals, simply present your insurance card for cashless treatment. For reimbursement claims, submit the claim form, medical reports, prescriptions, and original receipts to your insurer within the specified timeframe (usually 30-90 days). Mal Bazaar provides dedicated account managers to assist with claims."}}]},a={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What types of car insurance are available in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Egypt offers two main types of car insurance: Third-Party Liability (compulsory, covers damage to others) and Comprehensive Insurance (covers your vehicle plus third-party liability, including theft, fire, accidents, and natural disasters). Mal Bazaar helps you compare both types from multiple insurers."}},{"@type":"Question",name:"Is car insurance mandatory in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Yes, Third-Party Liability insurance is mandatory for all vehicles in Egypt. This basic coverage protects against liability for injuries or damage caused to others. Comprehensive insurance is optional but highly recommended for full protection."}},{"@type":"Question",name:"How much does car insurance cost in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Car insurance costs in Egypt depend on vehicle value, age, make/model, driver history, and coverage type. Third-party liability starts from around EGP 500-1,500 annually. Comprehensive coverage typically ranges from 2-4% of the vehicle value per year. Compare quotes on Mal Bazaar for the best rates."}},{"@type":"Question",name:"What is not covered by car insurance in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Common exclusions include: driving under the influence, unlicensed drivers, mechanical breakdowns, wear and tear, racing or illegal activities, and damage from war or nuclear events. Some policies also exclude aftermarket modifications unless declared."}},{"@type":"Question",name:"How do I file a car insurance claim in Egypt?",acceptedAnswer:{"@type":"Answer",text:"After an accident: 1) Ensure safety and call police if needed, 2) Document the scene with photos, 3) Obtain a police report for accidents involving others, 4) Contact your insurer within 48-72 hours, 5) Submit claim form with photos, police report, and driver documents. Mal Bazaar account managers assist with the entire process."}}]},i={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What types of life insurance are available in Egypt?",acceptedA
1nswer:{"@type":"Answer",text:"Egypt offers several life insurance types: Term Life (pure protection for a specific period), Whole Life (lifetime coverage with cash value), Endowment Plans (savings plus protection), Unit-Linked Insurance (investment component), and Group Life (employer-provided). Mal Bazaar helps you compare options from leading Egyptian insurers."}},{"@type":"Question",name:"How much life insurance coverage do I need?",acceptedAnswer:{"@type":"Answer",text:"A common guideline is 10-15 times your annual income, but consider: outstanding debts, children education costs, spouse income needs, and existing savings. Mal Bazaar recommends consulting with our experts to calculate your specific coverage needs based on your family situation."}},{"@type":"Question",name:"What is the difference between term and whole life insurance?",acceptedAnswer:{"@type":"Answer",text:"Term life insurance provides coverage for a specific period (10, 20, or 30 years) with lower premiums but no cash value. Whole life insurance covers you for life, builds cash value over time, and costs more. Term is ideal for temporary needs; whole life suits long-term estate planning."}},{"@type":"Question",name:"Can I buy life insurance for my parents in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Yes, you can purchase life insurance for parents with their consent, though availability depends on their age and health. Most insurers have age limits (typically 65-70 for new policies). Premiums will be higher for older applicants. Compare senior life insurance options on Mal Bazaar."}},{"@type":"Question",name:"How long does it take to receive a life insurance payout?",acceptedAnswer:{"@type":"Answer",text:"Life insurance claims in Egypt are typically processed within 30-90 days after submitting all required documents (death certificate, policy documents, claim form, beneficiary ID). Mal Bazaar account managers assist beneficiaries throughout the claims process."}}]},t={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What does home insurance cover in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Home insurance in Egypt typically covers: building structure damage, home contents (furniture, electronics, valuables), fire and explosion, theft and burglary, water damage, natural disasters, and third-party liability. Some policies also include temporary accommodation costs if your home becomes uninhabitable."}},{"@type":"Question",name:"How much does home insurance cost in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Home insurance premiums depend on property value, location, construction type, coverage level, and security measures. Basic contents insurance starts from around EGP 1,000-3,000 annually. Comprehensive building and contents coverage typically costs 0.1-0.3% of the property value. Compare quotes on Mal Bazaar."}},{"@type":"Question",name:"Is home insurance mandatory in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Home insurance is not legally mandatory in Egypt for homeowners. However, if you have a mortgage, your bank will typically require building insurance as a loan condition. Renters are not required to have insurance but contents insurance is recommended to protect personal belongings."}},{"@type":"Question",name:"Does home insurance cover natural disasters in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Most comprehensive home insurance policies in Egypt cover natural disasters including earthquakes, floods, and storms. However, coverage limits and exclusions vary by policy. Review the specific terms or compare policies on Mal Bazaar to ensure adequate natural disaster protection."}},{"@type":"Question",name:"Can I insure rented property contents in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Yes, renters can purchase contents insurance to protect personal belongings (furniture, electronics, clothing, valuables) in a rented property. This is separate from the landlord building insurance. Contents insurance is affordable and recommended for all renters in Egypt."}}]},n={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is group medical insurance for businesses?",acceptedA
1nswer:{"@type":"Answer",text:"Group medical insurance is a health coverage plan purchased by employers to provide medical benefits to employees and often their dependents. It typically offers lower per-person costs than individual plans, tax advantages for businesses, and helps attract and retain talent."}},{"@type":"Question",name:"What is the minimum number of employees for group medical insurance in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Most insurers in Egypt require a minimum of 5-10 employees for group medical insurance. However, Mal Bazaar works with insurers offering SME plans for businesses with as few as 3-5 employees. Contact us to find options for your company size."}},{"@type":"Question",name:"Can employees add family members to corporate medical insurance?",acceptedAnswer:{"@type":"Answer",text:"Yes, most group medical plans allow employees to add dependents (spouse, children, and sometimes parents) either at company expense or through employee-paid add-ons. Family coverage terms are defined in the group policy agreement."}},{"@type":"Question",name:"How much does corporate medical insurance cost per employee in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Corporate medical insurance costs typically range from EGP 3,000-25,000 per employee annually, depending on coverage level, employee demographics, claims history, and network hospitals. Group rates are generally 20-40% lower than equivalent individual plans. Compare quotes on Mal Bazaar."}},{"@type":"Question",name:"What tax benefits do companies get for providing medical insurance in Egypt?",acceptedAnswer:{"@type":"Answer",text:"In Egypt, employer-paid medical insurance premiums are typically tax-deductible as a business expense. This reduces the effective cost of providing employee health benefits. Consult with a tax advisor for specific deductions applicable to your business."}}]},r={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is fleet motor insurance?",acceptedAnswer:{"@type":"Answer",text:"Fleet motor insurance is a single policy covering multiple vehicles owned or operated by a business. It simplifies administration with one renewal date, one premium payment, and often provides volume discounts compared to insuring vehicles individually."}},{"@type":"Question",name:"How many vehicles do I need to qualify for fleet insurance in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Most insurers in Egypt offer fleet policies for businesses with 3-5 or more vehicles. Some insurers provide small fleet options for as few as 2 vehicles. Mal Bazaar helps businesses of all sizes find appropriate fleet coverage."}},{"@type":"Question",name:"What types of vehicles can be covered under fleet insurance?",acceptedAnswer:{"@type":"Answer",text:"Fleet insurance can cover various vehicle types including cars, vans, trucks, buses, motorcycles, and specialized vehicles. Mixed fleets (different vehicle types) can usually be covered under one policy with appropriate premium calculations for each category."}},{"@type":"Question",name:"Does fleet insurance cover any driver?",acceptedAnswer:{"@type":"Answer",text:'Fleet policies typically offer "any driver" coverage for authorized company employees, subject to age and license requirements. Some policies allow named drivers only, while others cover any driver with company permission. Check policy terms for driver restrictions.'}},{"@type":"Question",name:"How can I reduce fleet insurance costs?",acceptedAnswer:{"@type":"Answer",text:"Reduce fleet insurance costs by: implementing driver training programs, installing tracking/telematics devices, maintaining good claims history, choosing higher deductibles, regular vehicle maintenance, and comparing quotes from multiple insurers through Mal Bazaar."}}]},s={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is group life insurance for employees?",acceptedAnswer:{"@type":"Answer",text:"Group life insurance is employer-sponsored coverage that provides a death benefit to employees beneficiaries. It typically covers all eligible employees under one policy, offers lower premiums than individual policies, and often includes accidental death and disability benefits."}},{"@type":"Question",name:"How much group life coverage should a company provide?",acceptedA
1nswer:{"@type":"Answer",text:"Common group life coverage amounts are 1-3 times annual salary, with some companies offering up to 5x salary for executives. The appropriate level depends on industry norms, budget, and employee needs. Mal Bazaar can help benchmark coverage for your industry."}},{"@type":"Question",name:"Do employees need medical exams for group life insurance?",acceptedAnswer:{"@type":"Answer",text:'Most group life insurance policies do not require individual medical exams for standard coverage amounts. This "guaranteed issue" feature is a key advantage. However, voluntary supplemental coverage above certain limits may require health questions or exams.'}},{"@type":"Question",name:"What happens to group life coverage when an employee leaves?",acceptedAnswer:{"@type":"Answer",text:"Group life coverage typically ends when employment terminates. Many policies offer a conversion option allowing departing employees to convert to individual coverage within 30-60 days without medical underwriting, though at higher individual rates."}},{"@type":"Question",name:"Is group life insurance taxable in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Employer-paid group life insurance premiums are generally tax-deductible for businesses. For employees, the benefit is typically not considered taxable income up to certain limits. Death benefits paid to beneficiaries are usually tax-free. Consult a tax advisor for specifics."}}]},o={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is cargo insurance and who needs it?",acceptedAnswer:{"@type":"Answer",text:"Cargo insurance protects goods during transit against loss or damage from accidents, theft, weather, and other risks. It is essential for importers, exporters, manufacturers, logistics companies, and any business that ships valuable goods domestically or internationally."}},{"@type":"Question",name:"What types of cargo insurance are available in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Common cargo insurance types include: Institute Cargo Clauses (A) - all risks coverage, (B) - named perils, and (C) - basic coverage. Options include single shipment policies, open cover (annual policies for regular shippers), and specific coverage for land, sea, or air transport."}},{"@type":"Question",name:"Does the carrier's liability cover my cargo?",acceptedAnswer:{"@type":"Answer",text:"Carrier liability is limited by international conventions and often covers only a fraction of cargo value. For example, sea carrier liability under the Hague-Visby Rules is approximately $500 per package. Cargo insurance provides full value protection beyond carrier limits."}},{"@type":"Question",name:"How is cargo insurance premium calculated?",acceptedAnswer:{"@type":"Answer",text:"Cargo insurance premiums are based on: cargo value (typically CIF + 10-20%), type of goods, packaging, transport mode, route, carrier reputation, and claims history. Rates typically range from 0.1-2% of cargo value depending on risk factors."}},{"@type":"Question",name:"What documents are needed for a cargo insurance claim?",acceptedAnswer:{"@type":"Answer",text:"Cargo claims require: insurance certificate/policy, commercial invoice, packing list, bill of lading/airway bill, survey report (for damage), police report (for theft), claim form, and photos of damage. Mal Bazaar account managers guide you through the claims process."}}]},c={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What does commercial property insurance cover?",acceptedAnswer:{"@type":"Answer",text:"Commercial property insurance covers business buildings, equipment, inventory, and fixtures against fire, theft, vandalism, natural disasters, and other perils. It can include business interruption coverage for lost income during recovery from covered events."}},{"@type":"Question",name:"How much commercial property insurance do I need?",acceptedAnswer:{"@type":"Answer",text:"Coverage should equal the full replacement cost of your building (reconstruction cost, not market value) plus contents value (equipment, inventory, fixtures). Underinsurance can result in claim penalties. Mal Bazaar recommends professional valuation for accurate coverage."}},{"@type":"Question",name:"What is business interruption insurance?",acceptedA
1nswer:{"@type":"Answer",text:"Business interruption (BI) insurance covers lost income and ongoing expenses when your business cannot operate due to a covered property loss. It typically covers: lost revenue, rent/mortgage payments, employee salaries, and relocation costs during the recovery period."}},{"@type":"Question",name:"Does property insurance cover equipment breakdown?",acceptedAnswer:{"@type":"Answer",text:"Standard property insurance typically excludes mechanical/electrical breakdown. Equipment breakdown (machinery insurance) is available as an add-on covering sudden failure of boilers, HVAC, electrical systems, computers, and production machinery."}},{"@type":"Question",name:"How can businesses reduce property insurance costs?",acceptedAnswer:{"@type":"Answer",text:"Reduce premiums by: installing fire alarms and sprinklers, security systems and cameras, maintaining good claims history, bundling multiple coverages, choosing appropriate deductibles, and comparing quotes from multiple insurers through Mal Bazaar."}}]},l={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is group personal accident insurance?",acceptedAnswer:{"@type":"Answer",text:"Group personal accident (GPA) insurance provides benefits to employees who suffer accidental injuries or death. It covers accidents occurring both at work and during personal time, providing lump sum payments for death, permanent disability, and weekly benefits for temporary disability."}},{"@type":"Question",name:"How is personal accident insurance different from workers compensation?",acceptedAnswer:{"@type":"Answer",text:"Workers' compensation covers work-related injuries only and is often mandatory. Personal accident insurance covers accidents 24/7 (work and personal time) and is voluntary. Many employers provide both for c
1omprehensive employee protection."}},{"@type":"Question",name:"What benefits does personal accident insurance provide?",acceptedAnswer:{"@type":"Answer",text:"Personal accident insurance typically provides: accidental death benefit, permanent total disability lump sum, permanent partial disability (scheduled benefits), temporary disability weekly income, medical expense reimbursement, and sometimes funeral expenses."}},{"@type":"Question",name:"Are all accidents covered by personal accident insurance?",acceptedAnswer:{"@type":"Answer",text:"Most accidents are covered, but common exclusions include: self-inflicted injuries, injuries while intoxicated, participation in hazardous sports (unless added), pre-existing conditions, and injuries from illegal activities. War and terrorism may have limited coverage."}},{"@type":"Question",name:"How much personal accident coverage should employers provide?",acceptedAnswer:{"@type":"Answer",text:"Common coverage levels are 24-60 months of salary for accidental death and permanent total disability. Weekly temporary disability benefits are typically 75-100% of weekly salary. Coverage levels should consider employee needs and industry standards."}}]},p={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is SME medical insurance?",acceptedAnswer:{"@type":"Answer",text:"SME medical insurance is group health coverage designed specifically for small and medium enterprises. It offers simplified enrollment, flexible plan options, and competitive pricing for businesses with fewer employees than traditional corporate medical plans require."}},{"@type":"Question",name:"How many employees are needed for SME medical insurance in Egypt?",acceptedAnswer:{"@type":"Answer",text:"SME medical insurance plans in Egypt typically require as few as 3-10 employees, depending on the insurer. Some providers offer solutions for businesses with just 2-3 employees. Compare options on Mal Bazaar to find plans matching your team size."}},{"@type":"Question",name:"Is SME medical insurance more affordable than individual plans?",acceptedAnswer:{"@type":"Answer",text:"Yes, SME group medical insurance typically costs 15-30% less per person than equivalent individual coverage due to risk pooling and simplified administration. Group plans also offer tax advantages for businesses."}},{"@type":"Question",name:"Can SME medical insurance cover pre-existing conditions?",acceptedAnswer:{"@type":"Answer",text:"Many SME medical plans offer coverage for pre-existing conditions, often after a waiting period. Group policies generally have more favorable terms for pre-existing conditions than individual plans. Coverage terms vary by insurer and plan level."}},{"@type":"Question",name:"How do I get started with SME medical insurance?",acceptedAnswer:{"@type":"Answer",text:"Getting SME medical insurance is simple: 1) Provide basic company and employee information, 2) Compare quotes from multiple insurers on Mal Bazaar, 3) Select a plan and coverage level, 4) Complete enrollment documentation. Our team guides you through every step."}}]},u={"@context":"https://schema.org","@type":"HowTo",name:"How to Get an Insurance Quote in Egypt with Mal Bazaar",description:"Step-by-step guide to comparing and purchasing insurance online through Mal Bazaar, Egypt digital insurance marketplace.",totalTime:"PT10M",step:[{"@type":"HowToStep",position:1,name:"Choose Insurance Type",text:"Visit Mal Bazaar and select the type of insurance you need: Medical, Motor, Life, Home for individuals, or Group Medical, Fleet, Cargo, Property for businesses.",url:"https://malbazaar.com/quote-selection"},{"@type":"HowToStep",position:2,name:"Enter Your Details",text:"Fill in the required information about yourself, your vehicle, property, or employees depending on the insurance type. This helps insurers provide accurate quotes."},{"@type":"HowToStep",position:3,name:"Compare Quotes",text:"Review quotes from multiple insurance companies side-by-side. Compare coverage, benefits, exclusions, and prices to find the best option for your needs."},{"@type":"HowToStep",position:4,name:"Select and Apply",text:"Cho
1ose your preferred insurance plan and complete the online application. Upload any required documents such as ID, vehicle registration, or medical records."},{"@type":"HowToStep",position:5,name:"Make Payment",text:"Complete your purchase using credit card, debit card, or other available payment methods. Your policy will be issued upon successful payment."},{"@type":"HowToStep",position:6,name:"Receive Your Policy",text:"Receive your insurance policy documents via email. Access your account anytime to view policy details, make claims, or contact your dedicated account manager."}]},d={"@context":"https://schema.org","@type":"Service",name:"Individual Insurance Solutions",description:"Comprehensive personal insurance options for individuals and families in Egypt, including medical, motor, life, and home insurance.",serviceType:"Insurance Brokerage",provider:{"@type":"InsuranceAgency",name:"Mal Bazaar",url:"https://malbazaar.com"},areaServed:{"@type":"Country",name:"Egypt"},hasOfferCatalog:{"@type":"OfferCatalog",name:"Individual Insurance Products",itemListElement:[{"@type":"Offer",itemOffered:{"@type":"Service",name:"Medical Insurance",description:"Health coverage for individuals and families",url:"https://malbazaar.com/insurance/individual/medical"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Motor Insurance",description:"Comprehensive and third-party car insurance",url:"https://malbazaar.com/insurance/individual/motor"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Life Insurance",description:"Life protection and savings plans",url:"https://malbazaar.com/insurance/individual/life"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Home Insurance",description:"Property and contents protection",url:"https://malbazaar.com/insurance/individual/home"}}]}},m={"@context":"https://schema.org","@type":"Service",name:"Corporate Insurance Solutions",description:"Business insurance solutions for companies in Egypt, including group medical, fleet motor, cargo, property, and employee benef
1its.",serviceType:"Commercial Insurance Brokerage",provider:{"@type":"InsuranceAgency",name:"Mal Bazaar",url:"https://malbazaar.com"},areaServed:{"@type":"Country",name:"Egypt"},hasOfferCatalog:{"@type":"OfferCatalog",name:"Corporate Insurance Products",itemListElement:[{"@type":"Offer",itemOffered:{"@type":"Service",name:"Group Medical Insurance",description:"Employee health benefits for businesses",url:"https://malbazaar.com/insurance/corporate/medical"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Fleet Motor Insurance",description:"Coverage for company vehicle fleets",url:"https://malbazaar.com/insurance/corporate/motor"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Group Life Insurance",description:"Employee life and income protection",url:"https://malbazaar.com/insurance/corporate/group-life"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Cargo Insurance",description:"Protection for goods in transit",url:"https://malbazaar.com/insurance/corporate/cargo"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Property Insurance",description:"Business premises and asset protection",url:"https://malbazaar.com/insurance/corporate/property"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Personal Accident Insurance",description:"Workplace accident and injury coverage",url:"https://malbazaar.com/insurance/corporate/personal-accident"}}]}},y={"@context":"https://schema.org","@type":"InsuranceAgency",name:"Mal Bazaar",alternateName:"\u0645\u0627\u0644 \u0628\u0627\u0632\u0627\u0631",description:"Egypt's digital insurance marketplace. Compare and buy insurance from multiple insurers with dedicated support.",image:"https://malbazaar.com/og/malbazaar.jpg",url:"https://malbazaar.com",telephone:"+201001309963",email:"[email protected]",address:{"@type":"PostalAddress",streetAddress:"42 Corniche El Nile Street, Shishiny Bldg",addressLocality:"Maadi",addressRegion:"Cairo",addressCountry:"EG"},geo:{"@type":"GeoCoordinates",latitude:29.992881,longitude:31.22881},sameAs:["https://www.facebook.com/Malbazaar.co","https://eg.linkedin.com/company/malbazaar"],openingHoursSpecification:[{"@type":"OpeningHoursSpecification",dayOfWeek:["Sunday","Monday","Tuesday","Wednesday","Thursday"],opens:"09:00",closes:"17:00"}]},h={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"Is car insurance mandatory in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Yes, third-party liability insurance is mandatory for all vehicles in Egypt. You cannot legally register or renew your vehicle registration without valid third-party insurance. Comprehensive insurance is optional but highly recommended for better protection."}},{"@type":"Question",name:"How much does car insurance cost in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Comprehensive car insurance starts from 1.6% of your car's value per year. Third-party liability insurance typically costs between EGP 800-1,500 per year. Costs also depend on your vehicle's age, make and model, and coverage level. Luxury and sports cars have higher premiums."}},{"@type":"Question",name:"What is the difference between third-party and comprehensive car insurance?",acceptedAnswer:{"@type":"Answer",text:"Third-party insurance only covers damage you cause to others (their vehicles, property, or injuries). Comprehensive insurance covers third-party liability PLUS damage to your own vehicle from accidents, theft, fire, and natural disasters."}},{"@type":"Question",name:"How do I file a car insurance claim in Egypt?",acceptedAnswer:{"@type":"Answer",text:"If you've been in an accident, notify your insurer within 48 hours. Call Mal Bazaar on 0100 130 9963 or message AMiN on WhatsApp. AMiN will guide you through reporting, documenting the scene, obtaining a police report if needed, submitting documents, and coordinating vehicle assessment and repair with your insurer."}}]},g={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What does medical insurance cover in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Medical insurance in Egypt typically covers hospital
1ization (room, surgery, ICU), doctor consultations, diagnostic tests, medications, and emergency care. Depending on your plan, it may also include outpatient visits, dental, optical, maternity, and preventive care."}},{"@type":"Question",name:"How much does health insurance cost in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Individual health insurance costs typically range from EGP 3,000-50,000+ per year depending on age, plan level, and benefits. A 30-year-old can expect to pay EGP 4,000-8,000 for basic coverage or EGP 15,000-25,000 for comprehensive coverage with outpatient benefits."}},{"@type":"Question",name:"Are pre-existing conditions covered?",acceptedAnswer:{"@type":"Answer",text:"Coverage for pre-existing conditions varies by insurer. Some plans exclude them entirely, others cover them after a waiting period (6-24 months), and some premium plans offer immediate coverage with higher premiums. Always disclose health conditions during application to avoid claim denials."}},{"@type":"Question",name:"What is the waiting period for medical insurance?",acceptedAnswer:{"@type":"Answer",text:"Most plans have no waiting period for accidents. For illnesses, there is typically a 30-day waiting period. Pre-existing conditions may have 6-24 month waiting periods. Maternity coverage usually has a 10-12 month waiting period. Emergency care is covered immediately."}},{"@type":"Question",name:"Can I add family members to my health insurance plan?",acceptedAnswer:{"@type":"Answer",text:"Yes, most insurers offer family plans that cover spouse, children (typically up to age 21-25), and sometimes parents. Family members can be added during initial enrollment or at policy renewal. Each additional member increases the premium based on their age and health status."}}]},f={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is the minimum number of employees for group medical insurance?",acceptedAnswer:{"@type":"Answer",text:"Most insurers in Egypt require a minimum of 5-10 employees for standard group medical insurance. However, some insurers offer SME plans for companies with as few as 3-5 employees. Contact Mal Bazaar to find options for your company size."}},{"@type":"Question",name:"How much does group medical insurance cost per employee?",acceptedAnswer:{"@type":"Answer",text:"Group medical insurance typically costs EGP 3,000-8,000 per employee annually for essential coverage, depending on group size and employee demographics. Larger companies with younger workforces get better rates. Enhanced coverage can range from EGP 6,000-15,000 per employee."}},{"@type":"Question",name:"Are pre-existing conditions covered in group insurance?",acceptedAnswer:{"@type":"Answer",text:"This is a major advantage of group insurance\u2014most group plans cover pre-existing conditions from day one, unlike individual policies. Some severe conditions may have waiting periods or sublimits, but coverage is generally more favorable than individual policies."}},{"@type":"Question",name:"Can employees add their family members?",acceptedAnswer:{"@type":"Answer",text:"Yes, most group plans allow employees to add dependents (spouse, children, sometimes parents). Companies can fully subsidize dependent coverage, share the cost, or offer it as an employee-paid option. Dependent rates are typically 60-80% of the employee rate per person."}},{"@type":"Question",name:"Why is group medical insurance important for employees?",acceptedAnswer:{"@type":"Answer",text:"Group medical insurance gives employees access to quality healthcare without financial stress, improving satisfaction and retention. Mal Bazaar's AI assistant AMiN makes employee claims easier \u2014 employees can message AMiN on WhatsApp 24/7 for coverage questions and step-by-step claims guidance."}}]},v={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"How many vehicles do I need for fleet insurance?",acceptedAnswer:{"@type":"Answer",text:"Most insurers in Egypt offer fleet policies starting from 3-5 vehicles. Some insurers have options for as few as 2 vehicles. The more vehicles you have, the better volume discounts you can negotiate. Contact Mal Bazaar to find options for your fleet size."}},{"@type":"Question",name:"Can I mix different vehicle types in one fleet policy?",acceptedA
1nswer:{"@type":"Answer",text:"Yes, fleet policies can cover mixed vehicle types including cars, vans, trucks, and commercial vehicles. Each category is priced according to its risk profile, but all are managed under one policy with a single renewal date and premium payment."}},{"@type":"Question",name:"Does fleet insurance cover any driver?",acceptedAnswer:{"@type":"Answer",text:"This depends on your policy structure. You can choose \"any authorized driver\" coverage (more flexible but higher premium) or \"named drivers only\" (lower cost but restricted). Drivers typically must have valid licenses and meet age requirements specified in your policy."}},{"@type":"Question",name:"How is fleet insurance priced?",acceptedAnswer:{"@type":"Answer",text:"Fleet insurance is priced based on: number of vehicles, total fleet value, vehicle types, business use pattern, claims history, coverage level, and driver policy. Larger fleets with clean claims records receive the best rates. Volume discounts can reach 20-30% for large fleets."}}]},w={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"How much life insurance coverage do I need?",acceptedAnswer:{"@type":"Answer",text:"A common guideline is 10-15 times your annual income. Consider outstanding debts (mortgage, loans), children education costs, years until retirement, spouse income needs, and existing savings. Mal Bazaar advisors can help calculate your specific coverage needs."}},{"@type":"Question",name:"What's the difference between term and whole life insurance?",acceptedAnswer:{"@type":"Answer",text:"Term life provides coverage for a specific period (10-30 years) with lower premiums but no cash value. Whole life covers you for life, builds cash value over time, and costs more. Term is ideal for temporary needs; whole life suits permanent protection and wealth building."}},{"@type":"Question",name:"Do I need a medical exam to get life insurance?",acceptedAnswer:{"@type":"Answer",text:"It depends on the policy and coverage amount. Many term life policies for lower coverage amounts don't require exams\u2014just health questions. Higher coverage amounts or certain policy types may require medical exams, blood tests, or medical records review."}},{"@type":"Question",name:"Can I buy life insurance for my parents?",acceptedAnswer:{"@type":"Answer",text:"Yes, you can purchase life insurance for parents with their consent. However, availability depends on their age (most insurers have limits around 65-70 for new policies) and health. Premiums will be higher for older applicants."}},{"@type":"Question",name:"How long does it take to receive a life insurance payout?",acceptedAnswer:{"@type":"Answer",text:"Life insurance claims are typically processed within 30-90 days after submitting all required documents (death certificate, policy documents, claim form, beneficiary ID). Mal Bazaar account managers assist beneficiaries throughout the claims process to ensure timely payment."}}]},A={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is the minimum number of employees for group life insurance?",acceptedAnswer:{"@type":"Answer",text:"Most insurers in Egypt require a minimum of 5-10 employees for group life insurance. Some insurers offer solutions for smaller companies with as few as 3-5 employees. Contact Mal Bazaar to find options that fit your company size."}},{"@type":"Question",name:"How much group life coverage should a company provide?",acceptedAnswer:{"@type":"Answer",text:"Common coverage levels are 1-3 times annual salary for all employees, with higher multiples (3-5x) for executives. The right amount depends on your industry norms, budget, and employee demographics. Mal Bazaar can help benchmark against similar companies."}},{"@type":"Question",name:"Do employees need medical exams for group life insurance?",acceptedAnswer:{"@type":"Answer",text:"No, most group life insurance does not require individual medical exams for standard coverage amounts. This \"guaranteed issue\" is a major advantage of group coverage. However, voluntary supplemental coverage above certain limits may require health questions or evidence of insurability."}},{"@type":"Question",name:"What happens to coverage when an employee leaves the company?",acceptedA
1nswer:{"@type":"Answer",text:"Group life coverage typically ends when employment terminates. Most policies offer a \"conversion option\" allowing departing employees to convert to individual coverage within 30-60 days without medical underwriting, though at individual (higher) rates."}},{"@type":"Question",name:"Are group life insurance premiums tax-deductible in Egypt?",acceptedAnswer:{"@type":"Answer",text:"Yes, employer-paid group life insurance premiums are generally tax-deductible as a business expense. For employees, the benefit is typically not considered taxable income up to certain limits. Death benefits paid to beneficiaries are usually tax-free."}}]},b={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is AMiN?",acceptedAnswer:{"@type":"Answer",text:"AMiN is Mal Bazaar's AI-powered insurance assistant. It uses advanced artificial intelligence to help you find the right insurance plan, file claims, and answer questions about your coverage \u2014 all through a simple chat interface."}},{"@type":"Question",name:"Is AMiN available in Arabic?",acceptedAnswer:{"@type":"Answer",text:"Yes! AMiN is fully bilingual and supports both English and Arabic. You can switch languages at any time during your conversation, and AMiN will respond in your preferred language."}},{"@type":"Question",name:"How does AMiN help me find insurance?",acceptedAnswer:{"@type":"Answer",text:"When you're comparing insurance plans, AMiN acts as your personal advisor. Tell AMiN your budget, coverage priorities, or specific questions, and it will analyze all available plans to recommend the best options for your needs."}},{"@type":"Question",name:"Can I file an insurance claim through AMiN?",acceptedAnswer:{"@type":"Answer",text:"Yes, AMiN can guide you through the entire claims process. You can report accidents, describe what happened, and even upload photos of documents like your car license or national ID directly in the chat. AMiN will ensure you provide all required information."}},{"@type":"Question",name:"Is my information secure with AMiN?",acceptedAnswer:{"@type":"Answer",text:"Absolutely. AMiN is built with security as a priority. All conversations are encrypted, and your personal information is protected according to data privacy best practices. We never share your data with third parties without your consent."}}]};export{e as a,a as b,i as c,t as d,n as e,r as f,s as g,o as h,c as i,l as j,p as k,u as l,d as m,m as n,y as o,h as p,g as q,f as r,v as s,w as t,A as u,b as v};/**i18n:9221a248b78fad51dadd6e5c7b69129d29a88615ab3f9965adb6a86fb0adbaca*/
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