OAFA Ärzteflugambulanz GmbH

Covers outpatient medical treatment, prescribed medication and inpatient hospital treatment abroad up to the agreed insured sum stated in the product's benefit table; the specific insured sum for Comfort 365 could not be located in the reviewed sources.

Acute illness or accident-related bodily injury abroad triggers cover for necessary medical treatment; treatment costs expected to exceed EUR 1,000 must be reported to the OAFA emergency centre before treatment begins.

Inpatient treatment in a recognized hospital abroad is covered, with the insurer endeavouring to settle costs directly with the hospital (cost guarantee) where required by the product's benefit table.

Outpatient medical treatment abroad is covered; diagnostic tests require a specialist referral necessary for immediate therapeutic success.

Conserving, prosthetic or curative dental treatments (e.g. dental treatments) are explicitly excluded from cost reimbursement.

Primary transport to the nearest reachable hospital, and rescue from mountain or water distress, is covered up to the agreed insured sum.

Repatriation to Austria or a neighbouring state (if the trip started there) is organized by the OAFA emergency centre once medically sensible and justifiable; self-organized transport is not reimbursed.

Standard transport costs for a deceased insured person, or burial costs at the place of death abroad, are covered under the cancellation/extra-return-journey module; whether this module is included in the specific Comfort 365 package or must be added separately could not be confirmed from the reviewed sources.

Costs of searching for the insured person and transporting them to the nearest passable road or hospital are reimbursed if the person had to be rescued injured, unharmed or dead following an accident or distress situation.

Events arising from epidemics or pandemics are generally excluded from coverage.

Chronic conditions not covered by the hard exclusion list are insured only if they become unexpectedly acute during the trip, with reduced insured sums; conditions under ongoing treatment at the start of the trip are excluded. Heart disease, stroke, cancer, diabetes (type I/II), migraine and multiple sclerosis are excluded if treated (in- or outpatient) within the 12 months before conclusion of the policy.

Skiing and snowboarding are explicitly classified as ordinary holiday sports (not extreme sports) and are therefore covered; off-piste skiing/snowboarding is only covered when accompanied by a mountain/ski guide.

Extreme sports such as parachuting, paragliding, bungee jumping, climbing, whitewater sports, high-altitude tours above 6000m without a certified guide, or tours not booked as a package trip are excluded from coverage.

Treatment for pregnancy, termination of pregnancy, childbirth or treatment of the consequences of contraceptive measures, and complications resulting from these events, are excluded; OAFA explicitly advises against travelling abroad with a known pregnancy.

Covers the insured's legal liability for personal injury, property damage or resulting financial loss suffered by third parties while travelling abroad (underwritten by AGA International S.A.); a per-event deductible of 10% of the loss (min. EUR 350, max. EUR 2,000) applies. The specific insured sum for Comfort 365 could not be located.

Helvetia-underwritten legal protection covers pursuit of claims against a tour operator arising from package-travel service contracts, up to a maximum of EUR 5,000 per claim; a 10% deductible (min. EUR 500) applies if a lawyer not proposed by the insurer is chosen.

A 24-hour emergency call centre operated by Austrian Air Ambulance – Ärzteflugambulanz Assistenz GmbH (extended by partner Mondial Assistance GmbH since 1 January 2011) coordinates hospitalization, treatment and repatriation cases.