Europ Assistance Travel insurance (Annual Smart)

Reimbursement of medical expenses paid abroad, up to €750,000 per insured person per claim under the Europe SMART formula and up to €1,250,000 under the World SMART formula, after intervention of the insured's mutual/health insurance.

Emergency medical treatment abroad is covered under the same overall medical expenses ceiling of €750,000 (Europe SMART) or €1,250,000 (World SMART) per insured person per claim.

Hospitalization costs are not separately capped and are covered within the overall medical expenses ceiling of €750,000 (Europe SMART) / €1,250,000 (World SMART). Hospital visits are also covered if hospitalized without a companion for at least 5 days (adults).

Outpatient medical treatment abroad is not separately capped and falls within the overall medical expenses ceiling of €750,000 (Europe SMART) / €1,250,000 (World SMART).

Urgent dental care abroad is covered up to €150 per insured person.

Transport home of the insured is covered in case of force majeure or of a sick/injured insured and an accompanying insured person, with no specific euro ceiling stated in the IPID.

Assistance to persons in case of illness, bodily injury, death or natural disaster while traveling is included, with the assistance centre organizing evacuation/return; no specific euro ceiling is stated for this benefit itself in the IPID.

Repatriation in case of death is covered; the coffin/funeral urn costs specifically are capped at €850 in Belgium and €1,500 abroad. The repatriation transport itself is not separately capped in the IPID.

Reimbursement of search and rescue costs in case of an accident on or off ski slopes, up to a maximum of €6,000.

Not specifically addressed in the available documents.

Pathological conditions known before departure, in a treatment phase presenting a real risk of rapid worsening, or not stabilized for at least 2 months, are excluded, as is repatriation for organ transplant.

Ski assistance is included for accidents on and off marked ski slopes, but off-piste accidents are only covered if the insured is accompanied by an instructor from an organization accredited for off-piste skiing.

Extremely dangerous sports are excluded from cover unless practiced with, or accompanied by, a person with professional training in that sport.

Air travel during pregnancy beyond 28 weeks is excluded, except where written authorization has been given by the treating gynaecologist.

Not addressed in the available documents for this product.

Advance of lawyer's fees up to €1,250; advance of penal bail up to a maximum of €12,500.