Lower Austrian Insurance Company AG (NV)
Europäische Reiseversicherung
Europäische Reiseversicherung is a travel insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
When the insured contacts the insurer's 24-hour emergency hotline before hospitalization, transfer transport, repatriation or bringing home of a deceased person, the insurer organizes the necessary measures and pays the costs directly to the service provider (cashless settlement); this direct-payment arrangement does not apply to outpatient treatment, which the insured pays for and later claims back.
Geographic scope
Europe or Worldwide (selectable tariff)
Europe tariff: geographic Europe, all Mediterranean littoral states and islands, Jordan, Madeira, the Azores and the Canary Islands, excluding Belarus, Russia, Syria, Crimea and the Donetsk, Zaporizhzhia, Kherson and Luhansk regions. Worldwide tariff: worldwide except Belarus, Iran, North Korea, Russia, Syria, Crimea and the Donetsk, Zaporizhzhia, Kherson and Luhansk regions.
Starting price
€33
Indicative — pricing assumptions not stated
Unique selling points
- Medical treatment abroad is covered up to EUR 1,000,000, well above typical market minimums.
- Repatriation by air ambulance jet is included at no extra cost when medically necessary.
- Search and rescue costs after an accident, mountain or water distress are covered up to EUR 80,000.
- Baggage loss or damage is reimbursed at new-replacement value (Neuwertdeckung) rather than depreciated value.
- Reisedoc gives policyholders 24/7 telemedicine access to Austrian doctors while travelling abroad.
Coverage limits
Medical expenses abroad
€1,000,000
Headline medical sum abroad; inpatient hospital treatment is covered up to EUR 1,000,000, while outpatient treatment and medical transports are reimbursed at 100% of costs.
Emergency medical treatment abroad
€1,000,000
Covers outpatient and inpatient emergency medical treatment abroad following unexpected acute illness or accident, with stationary treatment capped at EUR 1,000,000.
Hospitalization (inpatient treatment)
€1,000,000
Inpatient hospital treatment abroad including medically prescribed remedies, covered up to EUR 1,000,000.
Outpatient treatment
100% of insured sum
Outpatient medical treatment abroad, including prescribed remedies and pain-relieving dental treatment, reimbursed up to 100% of costs.
Emergency dental treatment
Covered
Pain-relieving dental treatment, including simple dental fillings, is covered as part of outpatient treatment abroad (no separate sub-limit stated).
Transport to hospital / transfer transport
100% of insured sum
Transport to the nearest hospital and medically necessary transfer transport are reimbursed up to 100%.
Medical repatriation (incl. air ambulance)
100% of insured sum
Repatriation to the country of residence from which the trip was started, when medically necessary, including by air ambulance jet, reimbursed up to 100%; repatriation is also covered after 3 days of hospitalization even without medical necessity (excluding air ambulance jet).
Repatriation of remains / burial at place of death
100% of insured sum
Repatriation of the deceased in standard form to the country of residence from which the trip was started, or alternatively burial at the place of death (up to the cost of a standard repatriation), reimbursed up to 100%.
Search and rescue costs
€80,000
Search and rescue costs following an accident, mountain or water distress are covered up to EUR 80,000.
COVID-19 / epidemic and pandemic illness treatment
Covered
Unexpected acute illness abroad explicitly includes epidemic or pandemic diseases and is covered under the same medical benefits and limits as other acute illnesses.
Pre-existing conditions (unexpected acute flare-up)
€500,000
A condition or accident sequela existing at the start of the trip is covered if it unexpectedly becomes acute and is not otherwise excluded; combined maximum benefit for all related medical/transport/repatriation costs is EUR 500,000, versus EUR 1,000,000 for stationary treatment generally.
Winter sports cover
Conditional
Recreational winter sports are covered under the general medical, search-and-rescue and liability benefits; cover excludes professional sport (including training), participation in official competitions, and travel above 6,000 m altitude.
Adventure sports cover
Conditional
Non-professional adventure sports are generally covered; excluded are extreme sports, professional sport and training, official competitions, diving beyond 40 m or without a valid certification, and travel in unexplored/undeveloped areas.
Pregnancy complications / premature birth
Conditional
Unexpected severe pregnancy complications and premature birth are covered up to and including the 35th week of pregnancy; costs for the newborn are reimbursed within the sum agreed for the insured mother.
Travel personal liability
€500,000
Covers property and personal injury damage claims against third parties during the trip, lump sum up to EUR 500,000, of which property damage to rented accommodation (including inventory) is limited to EUR 25,000.
Legal assistance abroad (arrest/threat of arrest)
€13,000
Assistance in obtaining a lawyer and interpreter if the insured is arrested or threatened with arrest abroad; the insurer advances up to EUR 3,000 for a lawyer and up to EUR 13,000 for bail, to be repaid by the insured after the trip.
24-hour emergency assistance & telemedicine
Covered
Round-the-clock emergency hotline and organization of assistance worldwide, plus Reisedoc telemedicine consultation with Austrian doctors while abroad.
Key conditions
Assistance call deadline
Before a hospital stay, repeated outpatient/day-clinic treatment, repatriation, or repatriation/burial of a deceased person, the insured must contact the 24-hour emergency hotline as soon as possible to obtain the insurer's instructions.
Unauthorized treatment
If the insured pays for outpatient, inpatient or transfer transport costs themselves while also being covered by a social insurance scheme, they must first submit the claim to the social insurer; failure to do so reduces the insurer's benefit by 20%.
Purchase while abroad
The insurance must be concluded before the start of the trip; conclusion during the trip is only permitted with a special agreement with the insurer.
Chronic conditions
A chronic illness or accident sequela existing at the start of the trip is covered only if it unexpectedly becomes acute during the trip and is not otherwise excluded (e.g. cures, rehabilitation stays, and physiotherapy are always excluded).
Pregnancy
Unexpected severe pregnancy complications and premature birth are covered up to and including the 35th week of pregnancy, with newborn costs reimbursed within the mother's insured sum.
Pre-existing condition exclusions
Pre-existing conditions are covered if they unexpectedly become acute and are not excluded under the policy's exclusions; total benefits for such events are capped at EUR 500,000 combined for medical treatment and transport costs.
Coverage duration limit
Cover applies for the trip duration selected at purchase (premium table tiers range from 5 days up to 11 months); cover begins when leaving home/workplace and ends on return or on prior expiry of the policy.
Where to buy
Policy specifics
Medical expenses abroad
Coverage for outpatient and inpatient treatment abroad, with coverage limits up to EUR 1,000,000
SourceMedical repatriation and transport home
Coverage for organization and costs of repatriation transport back to Austria
SourceBaggage and personal effects
Coverage for lost, delayed, or damaged baggage and personal items during travel
SourceTravel liability insurance
Coverage for damage to third parties caused by the insured person during travel
Source24-hour emergency assistance
Round-the-clock emergency support and telemedicine consultation while travelling
SourceTrip interruption (Reiseabbruch)
Covers additional return-travel costs (up to 100%) if the trip must be interrupted or broken off for medical, professional, family or other listed reasons.
SourceTerritorial scope must be selected
Insured must choose between 'Europe' or 'Worldwide' coverage at time of purchase
SourceMandatory emergency center contact for hospitalization
Insured must contact 24-hour emergency center immediately before hospitalization or repatriation
SourceWaiting period for acute illness coverage
If insurance purchased after 3 days of trip booking, only events occurring from day 10 onwards are covered
SourceClaim notification requirement
Insured must notify insurer of claim as soon as possible after becoming aware of it
Source