Travel insurance — Estonia

[1] Medical expenses: Covered ↩

Balcia travel insurance helps cover treatment and transport costs and medication purchases arising from unexpected illness or accident abroad; exact sum insured is chosen at purchase and not published as a fixed figure

Reisikindlustus on asendamatu abiline siis, kui vajad arstiabi välismaal viibides, sest Eesti patsiendikindlustus seal ei kehti. Balcia reisikindlustus aitab katta ravi- ja transpordikulud, ravimite ostu ning reisi katkestamisega seotud kulutused.

[2] Medical transport: Covered ↩

Balcia travel insurance helps cover treatment and transport costs arising abroad; medical transport is described as part of the standard cover

Balcia reisikindlustus aitab katta ravi- ja transpordikulud, ravimite ostu ning reisi katkestamisega seotud kulutused.

[3] COVID-19 treatment: See details ↩

[4] Personal liability: Covered ↩

Balcia's travel cover logic extends beyond the traveler's own property to situations where liability may arise towards others

Sama loogika, millele on üles ehitatud Balcia kindlustus, lähtub põhimõttest, et kaitse ei puuduta ainult sinu enda vara, vaid ka olukordi, kus vastutus võib tekkida teiste ees.

[5] Emergency dental: See details ↩

[6] Search & rescue: See details ↩

[7] Legal assistance: See details ↩

[8] Emergency medical treatment: Covered ↩

Emergency medical treatment abroad is part of the standard Balcia travel insurance coverage; specific sum insured not published

Meditsiiniabi kindlustus katab, olenevalt lepingu tingimustest, osaliselt või täielikult kulutused, mis on seotud nende haiguste ja vigastustega, mis reisi ajal esimest korda ilmnevad.

[9] Hospitalization: Covered ↩

[10] Outpatient treatment: Covered ↩

[11] Medical evacuation: Covered ↩

Balcia states that travel insurance pays for treatment costs and arranges medical transport or a replacement flight home if needed

Reisikindlustus maksab need kulud kinni ja hoolitseb ka selle eest, et vajadusel korraldatakse sulle meditsiiniline transport või asenduslend.

[12] Repatriation of remains: See details ↩

[13] Pre existing conditions: Excluded ↩

If an illness, injury, or other issue existed before taking out the insurance or before the trip began, it will not be covered

If an illness, injury, or other issue existed before taking out the insurance or before the trip began, it will not be covered.

[14] Winter sports cover: Conditional ↩

Skiing or snowboarding is covered when done recreationally on marked, open slopes and outside competitions; off-piste skiing, extreme mountain sports and competitions/training camps are not covered

Insurance applies if: you ski or snowboard as a recreational activity; you stay on marked and open slopes; you do not participate in competitions or professional sports.

[15] Adventure sports cover: Excluded ↩

Balcia travel insurance does not cover extreme sports; a separate, distinctly branded Extreme insurance product exists for such activities

[16] Pregnancy complications: See details ↩

[17] Medical expenses: Covered ↩

BAN's travel insurance policy guarantees that in case of an accident, injury, or unexpected illness, the necessary medical assistance and support will be provided; the exact sum insured was not stated in the retrieved sources.

[18] Medical transport: Covered ↩

Costs related to medical transport are covered as part of emergency medical assistance if the insured falls ill or is injured abroad.

[19] COVID-19 treatment: See details ↩

Not found in the retrieved sources.

[20] Personal liability: Covered ↩

Civil liability is listed among the losses reimbursed by BAN, depending on the chosen insurance programme.

[21] Emergency dental: See details ↩

Not found in the retrieved sources.

[22] Search & rescue: See details ↩

Not found in the retrieved sources.

[23] Legal assistance: See details ↩

Not found in the retrieved sources.

[24] Emergency medical treatment: Covered ↩

If the insured falls ill or is injured in an accident abroad, BAN reimburses the costs related to necessary emergency medical assistance.

[25] Hospitalization: See details ↩

Not found in the retrieved sources.

[26] Outpatient treatment: See details ↩

Not found in the retrieved sources.

[27] Medical evacuation: See details ↩

Not found as a distinct benefit in the retrieved sources.

[28] Repatriation of remains: Conditional ↩

In case of death abroad, costs related to burial abroad or transportation of the remains are covered, as agreed with the insurer.

[29] Pre existing conditions: See details ↩

Not found in the retrieved sources.

[30] Winter sports cover: See details ↩

General sports cover is mentioned for a specified list of sports during holidays, but the retrieved sources did not include this list, so winter sports inclusion could not be confirmed specifically.

[31] Adventure sports cover: See details ↩

General sports cover is mentioned for a specified list of sports during holidays, but the retrieved sources did not include this list.

[32] Pregnancy complications: See details ↩

Not found in the retrieved sources.

[33] Medical expenses: Covered ↩

Core coverage reimbursing necessary and justified medical costs following an unexpected illness, an accident-related injury, or an unforeseen worsening of a chronic disease during the trip; the exact sum insured is chosen by the customer and stated on the policy.

Ravikulukindlustuse kindlustusjuhtumiks on reisi ajal kindlustatud isiku terviseseisundiga seotud pöördumine tervishoiuasutuse poole vältimatu arstiabiteenuse saamiseks või surm, mis on tingitud ettenägematust haigestumisest, õnnetusjuhtumi tagajärjel tekkinud kehavigastusest või kroonilise haiguse ettenägematust ägenemisest.

[34] Medical transport: Covered ↩

Communication and transport costs, including the insured's travel costs if pre-purchased tickets cannot be used, returned, exchanged or rebooked due to the insured event, are covered.

sidekulud ning transpordikulud, sh kindlustatud isiku sõidukulud, kui tal ei ole võimalik kasutada juba varem soetatud sõidu- või lennupileteid, neid tagastada, vahetada ega ümber muuta;

[35] COVID-19 treatment: Excluded ↩

The general exclusions of the travel terms explicitly exclude damage caused by an epidemic, pandemic or a state of emergency declared in a country; the policy contains no specific COVID-19 inclusion.

kahju, mille on põhjustanud epideemia, pandeemia või riigis kehtestatud erakorraline olukord;

[36] Personal liability: Optional ↩

Available if selected and marked on the policy: covers legally-required compensation for unlawful damage caused by the insured to a third party's health or property; damage to the insured, travel companions or family, contractual liability, professional/business liability, motor-vehicle damage and damage caused during sports competitions are excluded.

Vastutuskindlustuse kindlustusjuhtumiks on kindlustatud isiku poolt kolmanda isiku varale või tervisele (sh ravikulu või töövõimetus) õigusvastaselt põhjustatud kahju.

[37] Emergency dental: Conditional ↩

Emergency dental treatment costs are reimbursed as part of medical expenses cover, but the IPID states this benefit applies only within a limited scope/sub-limit set on the policy.

Erakorralise hambaravi, abivahendi soetamise või rentimise, saatva isiku sõidu- ja majutuse ning Eesti Vabariigis ravi või taastusravi jätkamise kuludele kehtib kindlustuskaitse piiratud ulatuses.

[38] Search & rescue: See details ↩

No mention of a dedicated search-and-rescue benefit was found in the terms and conditions or the IPID.

[39] Legal assistance: Optional ↩

Available if selected and marked on the policy: covers legal costs arising from a negligent/careless unlawful act committed by the insured during the trip, where necessary to defend against a claim or protect the insured's rights; costs must be pre-agreed with BTA and fines/interest/penalties are excluded.

Õigusabi kindlustuse kindlustusjuhtumiks on reisi ajal kindlustatud isiku hooletusest või ettevaatamatusest sooritatud õigusvastane tegu ning sellest tingitud õigusabikulu juhul, kui see on vajalik kindlustatud isiku vastu esitatud nõude tõrjumiseks ja/või kindlustatud isiku õiguste kaitseks.

[40] Emergency medical treatment: Covered ↩

Costs of emergency medical treatment sought during the trip due to sudden illness or accident-related injury are reimbursed as part of the medical expenses cover.

osutatud vältimatu arstiabiteenus;

[41] Hospitalization: Covered ↩

Hospital treatment costs are covered under medical expenses; additionally, if the insured is hospitalized for at least 2 days, BTA reimburses one accompanying person's travel and accommodation costs.

ühe saatva isiku sõidu- ja majutuskulud juhul, kui kindlustatud isik viibib vähemalt 2 päeva statsionaarsel ravil;

[42] Outpatient treatment: Covered ↩

Necessary outpatient emergency medical care during the trip is covered as vältimatu arstiabiteenus under the medical expenses cover; planned/routine outpatient care and follow-up rehabilitation are excluded.

kulu ambulatoorsele või statsionaarsele taastusravi teenusele, v.a punktis 5.1.2. märgitud taastusravi;

[43] Medical evacuation: Conditional ↩

Transport of the insured back to Estonia (medical evacuation) is covered on a doctor's consent and instruction, provided it is pre-agreed with BTA; if the accompanying medical staff member is replaced by another person with the treating doctor's written consent, BTA covers that person's travel and accommodation costs instead.

eelnevalt BTA-ga kooskõlastatud kindlustatud isiku Eesti Vabariiki transportimise kulu ehk kindlustatud isiku meditsiiniline evakuatsioon arsti nõusolekul ja ettekirjutusel. Raviarsti kirjalikku taasesitamist võimaldavas vormis nõusolekul võib saatva meditsiinitöötaja asendada teise isikuga. Sel juhul hüvitab BTA ühe saatva isiku sõidu- ja majutuskulud;

[44] Repatriation of remains: Conditional ↩

In case of the insured's death, BTA covers burial costs abroad or cremation and/or transport of the remains to Estonia, provided the cost is pre-agreed with BTA.

kindlustatud isiku surma korral põrmu välismaal matmise kulu või põrmu tuhastamise ja/või põrmu Eesti Vabariiki transportimise kulu ehk repatrieerimine. Kulu peab olema eelnevalt BTA kooskõlastatud.

[45] Pre existing conditions: Conditional ↩

Only an unforeseen, sudden acute worsening of a known chronic disease during the trip is a covered event; planned treatment or follow-up rehabilitation of a pre-existing condition is excluded.

kroonilise haiguse ettenägematust ägenemisest.

[46] Winter sports cover: Optional ↩

Skiing or snowboarding on marked slopes of a winter sports resort is covered only if the 'High-risk activity' option is selected and marked on the policy; off-piste skiing/snowboarding, including heliboarding, remains excluded even with this option.

mäesuusatamine või lumelauasõit talispordikeskuse märgistatud radadel;

[47] Adventure sports cover: Optional ↩

If the 'High-risk activity' option is selected, cover extends to activities such as competitive sports, mountain trekking up to 4000 m, surfing/kitesurfing, whitewater/coastal rafting, licensed diving up to 30 m, ATV safaris and wilderness trekking; contact sports, motorsport, extreme sports, skydiving, alpinism, air sports and bungee/parachute jumps remain excluded regardless of the option.

tegelemine spordiga võistlusspordi tasemel; mäesuusatamine või lumelauasõit talispordikeskuse märgistatud radadel; mägimatkamine kuni 4000 m kõrgusele; surfamine, lohesurfamine ja purjelauasõit; paadisõit (rafting) kärestikulistel jõgedel ja rannikuvetes kuni 20 meremiili kaldast; hobisukeldumine litsentsiga lubatud sügavuseni, kuid mitte sügavamale kui 30 meetrit; osalemine ATV-safaril, ratsa- või jalgrattamatkal; matkamine metsikus looduses

[48] Pregnancy complications: Conditional ↩

Costs related to pregnancy complications and necessary emergency care are covered only up to the end of the 32nd week of pregnancy; family planning, infertility treatment and elective termination costs are excluded except for this specific case.

rasedusega seotud tüsistuste ja/või erakorralise arstiabiteenuse kulud, kui raseduse kestus ei ületa 32. rasedusnädalat;

[49] Medical expenses: €30,000 – €50,000 ↩

Two selectable indemnity levels: Flex, with indemnity of up to EUR 30,000, or Max, with indemnity of up to EUR 50,000, covering unavoidable medical treatment abroad.

Vali Flex, kui väärtustad paindlikkust (hüvitis kuni 30 000 eurot), või vali Max, kui soovid maksimaalset kaitset (hüvitis kuni 50 000 eurot).

[50] Medical transport: Covered ↩

Covers transportation of the insured person to Estonia as prescribed by a doctor, provided the insurer has given prior consent.

arsti ettekirjutusel ja kindlustusandja eelneval nõusolekul kindlustatu erakorraline Eestisse transportimise kulu;

[51] COVID-19 treatment: Excluded ↩

Damage caused by an epidemic (which includes COVID-19) is excluded from cover.

sõjalised sündmused, terroriaktid, riigipööre, rahvarahutused, streigid või muud taolised sündmused (sh avalikku võimu teostavate ametiisikute tegevus); tuumaenergia või radioaktiivsus; epideemia, loodusõnnetus, looduse saastatus vmt;

[52] Personal liability: See details ↩

Not mentioned as a covered benefit in the sources reviewed.

[53] Emergency dental: Covered ↩

Covers treatment of acute dental inflammation/pain occurring during travel; no separate sublimit is stated, cost is met within the overall Flex/Max sum insured.

ägeda hambapõletiku puhul vältimatu arstiabi;

[54] Search & rescue: See details ↩

Not mentioned as a covered benefit in the sources reviewed.

[55] Legal assistance: See details ↩

Not mentioned as a covered benefit in the sources reviewed.

[56] Emergency medical treatment: €30,000 – €50,000 ↩

Covers unavoidable/emergency medical care for sudden illness, exacerbation of a chronic illness, or accident occurring during travel, within the Flex (up to EUR 30,000) or Max (up to EUR 50,000) sum insured.

haigestumist – ootamatut terviseriket, mille esmased sümptomid ilmnevad pärast kindlustuslepingu sõlmimist kindlustuspiirkonnas viibimisel kindlustusperioodi jooksul ja mis nõuab vältimatut arstiabi;

[57] Hospitalization: Covered ↩

Emergency inpatient (hospital) treatment is covered for up to 30 days during the insurance period, within the Flex/Max sum insured.

vältimatu statsionaarne arstiabi kindlustus-perioodi jooksul pikkusega kuni 30 päeva;

[58] Outpatient treatment: Covered ↩

Emergency outpatient medical care is covered as part of the insured event treatment costs, within the Flex/Max sum insured.

vältimatu ambulatoorne arstiabi;

[59] Medical evacuation: See details ↩

Not explicitly listed as a separate benefit beyond emergency transportation to Estonia in the sources reviewed.

[60] Repatriation of remains: Covered ↩

Covers funeral expenses abroad or transportation costs to repatriate the remains of the insured to their home country in the event of death, within the overall sum insured.

kindlustatu isiku surma korral põrmu matusekulud välismaal või repatrieerimisega seotud transpordikulud elukohariiki;

[61] Pre existing conditions: Conditional ↩

A sudden worsening during the trip of a chronic illness diagnosed before arrival in the insured territory is covered only when it requires emergency inpatient care; other chronic-illness treatment is excluded except such emergency first aid.

kroonilise haiguse ägenemist – enne kindlustuspiirkonda saabumist diagnoositud terviseriket, mille tulemusena pärast kindlustuslepingu sõlmimist kindlustuspiirkonnas viibimisel kindlustusperioodi jooksul toimus kindlustatud isiku füüsilise seisundi järsk halvenemine, mille tõttu vajab kindlustatud isik vältimatut statsionaarset arstiabi;

[62] Winter sports cover: Conditional ↩

Winter sports practiced on the marked runs of a winter sports resort are not excluded and remain covered; winter sports practiced outside the marked runs of a winter sports resort are excluded.

kindlustatud isiku talispordi harrastamine väljaspool talispordikeskuse märgistatud radasid;

[63] Adventure sports cover: Conditional ↩

Competitive sport or training, mountaineering and mountain trekking, air and parachute sports, water and underwater sports, horse riding and trail riding, motor sports, combat sports, and extreme sports are excluded, unless covered under a special agreement noted on the policy.

kindlustatud isiku osalemine võistlusspordis või -treeningutel; kindlustatud isiku tegelemine järgmiste kõrgema riskiga spordialadega: mägironimine ja -matkamine, lennu- ja langevarjusport, vee- ja allveesport, ratsutamine ja ratsamatkad, auto- ja motosport, võitlussport ning ekstreemsed spordialad;

[64] Pregnancy complications: Conditional ↩

Covers treatment costs for pregnancy complications occurring within the first 20 weeks of pregnancy during the trip; pregnancy must be confirmed at the start of travel.

raseduse esimese 20 nädala jooksul reisil tekkinud tüsistustega raseduse ravi;

[65] Medical expenses: Covered ↩

Covers necessary examination and treatment costs, including medication, resulting from sudden illness, exacerbation of a chronic illness, or an accident during the trip.

Hüvitatakse kindlustatu haigestumise, kroonilise haiguse ägenemise või kindlustatuga juhtunud õnnetuse tagajärjel tekkinud kahju.

[66] Medical transport: Covered ↩

Necessary costs of transporting the insured to a medical facility are reimbursed under the health insurance section.

kindlustatu raviasutusse transportimise hädavajalikud kulud;

[67] COVID-19 treatment: €50,000 ↩

If the insured contracts COVID-19 while travelling, treatment costs are reimbursed up to EUR 50,000, provided health insurance cover is selected and applicable COVID-19 safe-travel rules were followed.

Kui haigestute reisil olles COVID-19-sse, hüvitame ravikulud kuni 50 000 euro ulatuses vastavalt reisikindlustuse tingimuste punktile 2 (tervisekindlustus).

[68] Personal liability: Covered ↩

Covers damage unlawfully caused by the insured to a third party during the insurance period and within the territory defined in the contract; the sum insured is agreed separately and stated on the policy.

Hüvitatakse kahju, mille kindlustatu on õigusvastaselt tekitanud kolmandale isikule.

[69] Emergency dental: €200 ↩

Emergency dental first-aid costs are reimbursed up to a limit of EUR 200 per event; only urgent treatment for acute toothache or accident is covered, not routine dental care.

hambaravi esmaabi kulu hüvitispiiriga 200 eurot ühe juhtumi kohta;

[70] Search & rescue: Excluded ↩

Costs of searching for a lost or missing insured person are not reimbursed.

eksinud või kadunuks jäänud kindlustatu otsingu kulu.

[71] Legal assistance: Conditional ↩

Necessary legal costs (legal aid, expert opinion, and litigation expenses) needed to prove the insured's lack of liability or to establish the facts of the damage are reimbursed, but only if pre-agreed with the insurer.

Hüvitatakse ka vajalikud õigusabikulud (nõuete menetlemisel kindlustatu õigusabile, ekspertiisile ja kohtupidamisele kulutatud summa), kui need on vajalikud kindlustatu vastutuse puudumise tõendamiseks või kahju asjaolude kindlakstegemiseks. Hüvitatakse ainult kindlustusandjaga eelnevalt kooskõlastatud õigusabikulud.

[72] Emergency medical treatment: Covered ↩

Doctor-provided or prescribed necessary examination and treatment costs are reimbursed; the sum insured is agreed separately and stated on the policy.

arsti osutatavad ja/või määratavad hädavajalikud uuringu- ja ravikulud, sh ravimikulud;

[73] Hospitalization: Covered ↩

Necessary hospital treatment costs arising from illness or accident during travel are covered under the health insurance section, with no separate sub-limit stated.

[74] Outpatient treatment: Covered ↩

Doctor-provided or prescribed necessary outpatient examination and treatment costs, including medication, are reimbursed.

arsti osutatavad ja/või määratavad hädavajalikud uuringu- ja ravikulud, sh ravimikulud;

[75] Medical evacuation: Conditional ↩

Cost of transporting the insured back to Estonia is covered on a doctor's prescription and with the insurer's prior consent.

kindlustatu Eestisse transportimise kulu – arsti ettekirjutusel ja kindlustusandja eelneval nõusolekul;

[76] Repatriation of remains: Covered ↩

In the event of the insured's death, costs of burial abroad, or cremation and/or transport of the remains to Estonia, are covered.

kindlustatu surma korral põrmu välismaal matmise kulu või põrmu tuhastamise ja/või põrmu Eestisse transportimise kulud.

[77] Pre existing conditions: Excluded ↩

Medical care costs for chronic illnesses and diseases diagnosed before the policy took effect are not covered, except acute treatment for a life-threatening illness where travel was not medically contraindicated.

krooniliste haiguste ja enne kindlustuslepingu jõustumist ilmnenud ja/või varem diagnoositud haiguse puhul osutatud meditsiiniabi kulu, v.a ravikulu ägeda haiguse puhul, mis on kindlustatule eluohtlik, kuid mille puhul reisimine ei ole olnud meditsiiniliselt vastunäidustatud;

[78] Winter sports cover: Optional ↩

Alpine skiing or snowboarding on marked slopes of a winter sports resort is covered only if agreed with the insurer and marked 'active holiday' on the policy.

mäesuusatamisega või lumelauasõiduga talispordikeskuse märgistatud radadel; ... kehtib kindlustuskaitse ainult juhul, kui kindlustusandjaga on selles kokku lepitud ja poliisil on märge „aktiivne puhkus“.

[79] Adventure sports cover: Optional ↩

Activities such as ATV safaris, expeditions, or competitive sports/training camps are covered only if agreed with the insurer and marked 'active holiday' or 'competitive sport' on the policy; extreme sports such as alpinism, air sports, and off-piste skiing are excluded entirely.

kui kindlustatu osaleb ATV-safaril, ratsa- või jalgrattamatkal, matkal või ekspeditsioonil poolusele, kõrbesse, džunglisse, metsikusse või asustamata piirkonda; ... kehtib kindlustuskaitse ainult juhul, kui kindlustusandjaga on selles kokku lepitud ja poliisil on märge „aktiivne puhkus“.

[80] Pregnancy complications: Conditional ↩

Medical care related to pregnancy and childbirth is excluded, except complications that first appeared during the trip after the policy took effect.

raseduse ja sünnitusega seotud meditsiiniabi kulu (v.a rasedusega seotud tüsistused, mis on ilmnenud esmakordselt reisi ajal, pärast kindlustuslepingu jõustumist);

[81] Medical expenses: Covered ↩

Medical assistance is a mandatory part of every policy. The insured event is a sudden deterioration of the insured's health during the trip that endangers life or health, with symptoms appearing for the first time during the trip and requiring emergency medical care; the sum insured is chosen by the customer and stated on the individual policy.

Meditsiiniabikindlustuse kindlustusjuhtumiks on reisi ajal kindlustatu tervisliku seisundi ootamatu halvenemine, mis ohustab kindlustatu elu või tervist.

[82] Medical transport: Covered ↩

Covers reasonable transport costs to receive medical care, and the transport costs of a severely injured or ill insured person back to Estonia. Related benefits include crutch/wheelchair rental up to 300 euros per event and repair of broken glasses or other optical medical aids up to 50 euros per event.

mõistlik transpordikulu arstiabi saamiseks.

[83] COVID-19 treatment: Conditional ↩

For policies concluded from 07.02.2023, Gjensidige covers medical treatment costs abroad related to COVID-19 illness, or trip-cancellation costs due to COVID-19 illness, under RK101-2019 terms. Negative/repeat COVID tests, antibody tests and quarantine/isolation costs are excluded, as are other COVID-related restriction impacts (e.g. flight rescheduling).

Alates 07.02.2023 sõlmitud reisikindlustuse poliiside alusel hüvitame COVID-19 haigestumisega kaasnevad ravikulud välisriigis.

[84] Personal liability: Optional ↩

Covers damage caused to a third party during the trip for which the insured is legally liable; the sum insured is chosen by the customer and stated on the individual policy. This cover applies only if marked on the policy.

Eraisiku vastutuskindlustuse kindlustusjuhtumiks on reisi ajal kolmandale isikule kahju tekitamine, mille eest kindlustatu vastutab seaduse alusel.

[85] Emergency dental: €200 ↩

Emergency dental first-aid costs are covered up to 200 euros per insurance period.

stomatoloogilise esmaabi kulu 200 eurot kindlustusperiood kohta.

[86] Search & rescue: Excluded ↩

Costs of searching for the insured are not covered.

mis on vajalik kindlustatu otsimiseks.

[87] Legal assistance: €1,500 ↩

As part of the optional personal liability module, necessary and justified legal costs arising from the insured event are covered up to 1500 euros.

kindlustusjuhtumist tingitud vajalik ja põhjendatud õigusabikulu kuni 1500 eurot.

[88] Emergency medical treatment: Covered ↩

Covers ambulatory and/or hospital treatment costs provided within 30 days of the insured event, up to the sum insured stated on the policy.

ambulatoorse ja/või haiglaravi kulu, mis on osutatud 30 päeva jooksul kindlustusjuhtumist arvates.

[89] Hospitalization: Covered ↩

Hospital treatment costs following sudden illness or accident are covered within the medical assistance sum insured, along with the cost of an irreversible surgical operation that cannot be postponed.

edasilükkamatu kirurgilise operatsiooni kulu.

[90] Outpatient treatment: Covered ↩

Ambulatory (outpatient) treatment costs incurred within 30 days of the insured event, plus doctor-prescribed medicine costs, are covered within the medical assistance sum insured.

ambulatoorse ja/või haiglaravi kulu, mis on osutatud 30 päeva jooksul kindlustusjuhtumist arvates.

[91] Medical evacuation: Covered ↩

Gjensidige organises and covers the transport of a severely injured or ill insured back to Estonia. If, for medical reasons following the insured event, the insured cannot use an existing return ticket, Gjensidige covers a new return ticket in the cheapest available fare class. Separately, if the insured cannot be brought back to Estonia, the additional economy-class transport cost of one travel companion who stays with or travels to the insured, plus up to 7 days of that companion's accommodation abroad at up to 100 euros/day, is covered, provided this is agreed with Gjensidige in advance.

uue hilisema tagasireisiga kaasnev transpordikulu soodsaimas saadaolevas hinnaklassis.

[92] Repatriation of remains: Covered ↩

Covers the transport cost of the insured's body or ashes to Estonia, as well as coffin and funeral costs (including cremation) abroad, excluding a wake and travel costs of funeral attendees.

kindlustatu surnukeha või tema tuha transpordikulu Eestisse.

[93] Pre existing conditions: €1,500 ↩

Medical costs are not covered if the insured was aware or could have foreseen before the trip that medical assistance would likely be needed; planned medical treatment is excluded. As an exception, first-aid costs for a sudden exacerbation of a chronic disease requiring emergency care are covered up to 1500 euros.

kroonilise haiguse ägenemisel esmaabikulu kuni 1500 eurot.

[94] Winter sports cover: Conditional ↩

Snowboarding and alpine skiing on marked trails at a winter sports resort are classified as a 'dangerous hobby'; coverage for injuries from such activity applies only if 'ohtlik harrastus' (dangerous hobby) is marked on the policy. Separately, winter sports outside marked trails or areas are always excluded.

lumelauasõit ja mäesuusatamine märgistatud rajal talispordikeskuses.

[95] Adventure sports cover: Conditional ↩

Higher-risk leisure activities (e.g. tourist surfing, jet-ski/water scooter, ATV safari, short sailing trips as a passenger) are classified as 'dangerous hobby' and are only covered if 'ohtlik harrastus' is marked on the policy; competitive sport and extreme sport require separate policy markings.

turistidele mõeldud purje- ja lainelauasõit (ingl k surfing), veeskuutri ja jetisõit, osalemine ATV-safaril.

[96] Pregnancy complications: €1,500 ↩

Emergency medical costs from an unexpected pregnancy complication occurring before the 32nd week of pregnancy are covered up to 1500 euros.

enne 32. rasedusnädalat tekkinud ootamatust raseduse komplikatsioonist tingitud vältimatu arstiabi kulu kuni 1500 eurot.

[97] Medical expenses: €1,250,000 ↩

Medical assistance insurance covering treatment and transport costs from sudden illness or accident abroad is always included by default in If travel insurance; the policyholder selects the sum insured, up to 1,250,000 EUR.

Kuni 1 250 000 €

[98] Medical transport: Covered ↩

If the insured is repatriated, the additional transport and accommodation costs of a companion travelling with them are reimbursed from the medical assistance insurance, regardless of whether the companion was insured.

[99] COVID-19 treatment: Covered ↩

COVID-19 medical treatment cover applies automatically under the medical assistance insurance sum insured; quarantine, testing and restriction-related costs are not covered.

[100] Personal liability: Optional ↩

Liability insurance covering damage accidentally caused to a third party during the trip can be added for an extra fee; recommended in particular for ski trips.

Vastutuskindlustus aitab siis, kui oled reisil tahtmatult kellelegi teisele otsest varalist kahju põhjustanud. Need kahjud hüvitame Sinu eest – sh kuni 2000 € ulatuses kahju Sinu kasutuses olnud spordivarustusele ja (elu)ruumidele.

[101] Emergency dental: €500 ↩

Emergency dental treatment costs (incl. sudden toothache, first aid and medicines) are reimbursed up to a combined maximum of 500 EUR for all claims during the insurance period.

Hüvitame ootamatu hambavalu ravikulud (põletikukolde avamine, juurekanali puhastamine, ajutine plombeerimine, hamba eemaldamine), esmaabi kulud (nt kukkumine), sealhulgas ravimid, hüvitislimiidiga kuni 500 eurot.

[102] Search & rescue: Conditional ↩

No separate search-and-rescue limit; necessary local transport costs after an insured medical event are paid within the medical expenses sum insured.

[103] Legal assistance: Optional ↩

Legal assistance insurance is one of the selectable covers (alongside medical assistance, baggage and travel interruption insurance) that is marked on the policy if chosen by the policyholder.

[104] Emergency medical treatment: Covered ↩

Provides faster and more effective medical care abroad in case of sudden illness or injury; included by default with medical assistance insurance.

Meditsiiniabikindlustus ehk tervisekindlustus reisiks on Ifi reisikindlustuses alati vaikimisi olemas ning võimaldab Sul saada kiiremat ja tõhusamat arstiabi, kui haigestud või saad viga.

[105] Hospitalization: Covered ↩

Inpatient hospital treatment costs are covered within the chosen medical assistance sum insured; costs for a travel companion's accommodation while the insured is hospitalized abroad may also be reimbursed under certain conditions.

[106] Outpatient treatment: Covered ↩

Outpatient medical treatment costs are covered within the chosen medical assistance sum insured, subject to the limits set out in the terms and conditions.

[107] Medical evacuation: Optional ↩

In case of evacuation, unused prepaid service costs and reasonable additional transport and accommodation costs incurred abroad in returning to Estonia within 14 days of the triggering event are reimbursed.

Evakueerumise korral hüvitame kasutamata jäänud teenuste maksumuse, mida teenuse osutaja ei tagasta ning mõistlikud lisakulud transpordile ja majutusele, mis tekkisid välisriigis seoses Eestisse tagasipöördumisega 14 päeva jooksul alates evakuatsiooni põhjustanud sündmuse ilmnemisest.

[108] Repatriation of remains: Covered ↩

Repatriation is defined as transporting a sick or injured insured person to Estonia, transporting the insured's body to Estonia, or (if cremated abroad) transporting the urn with ashes to Estonia. Under the medical assistance insurance event, If covers the unavoidable local transport costs and the repatriation costs or burial costs abroad. The insured's body transport to Estonia, burial or cremation abroad costs are covered regardless of cause of death, except in case of suicide or if the insured's death was caused by or contributed to by the insured's own intoxication. These costs are paid out of the insured's chosen medical assistance sum insured (e.g. 100,000 / 300,000 / 650,000 EUR options) rather than being subject to a separate standalone limit.

[109] Pre existing conditions: Excluded ↩

If has no obligation to reimburse costs from illnesses (including chronic illnesses) or injuries that had already appeared before the insurance contract was concluded or before the trip began.

[110] Winter sports cover: Optional ↩

Skiing, snowboarding and similar winter sports require the optional high-risk activity add-on to be selected on the policy; the base policy does not cover injuries from these activities without it.

talispordialad: lumelauasõit ja mäesuusatamine talispordikeskustes märgistatud radadel Lepingu saab sõlmida Ifi iseteeninduses . Vali kõrge riskiga tegevuse lisakaitse.

[111] Adventure sports cover: Optional ↩

Competitive sports, mass sporting events, and higher-risk activities require the optional high-risk activity add-on; extreme sports (e.g. downhill mountain biking, BMX, heli-skiing, combat sports) require prior agreement with If by phone and cannot be added via self-service.

ekstreemsport: jalgrattaga mäest laskumine (downhill mountain biking), sõitmine BMX trikirattaga, rulatrikid, helisuusatamine (heliskiing) ... Nende tegevuste korral iseteeninduses lepingut sõlmida ei saa. Võta meiega ühendust telefonil 777 1211.

[112] Pregnancy complications: Conditional ↩

Unavoidable medical costs from sudden pregnancy complications are covered only during the first 28 weeks of pregnancy; If has no obligation to reimburse costs from childbirth, birth complications, or post-natal care/treatment for either mother or child.

Hüvitame raseduse komplikatsioonidest tingitud vältimatud arstiabi kulud esimese 28 rasedusnädala jooksul.

[113] Medical expenses: Covered ↩

Covers sudden and unavoidable medical treatment, prescription medicine and medical-aid costs incurred abroad during the trip; the exact sum insured is chosen by the policyholder at purchase and stated on the policy, not fixed in the terms.

Uuringu- ja ravikulud, mis on tingitud meditsiiniabikindlustuse kindlustusjuhtumist ja mis on tehtud reisi ajal ning mille on määranud arst.

[114] Medical transport: Conditional ↩

Covers transport costs to obtain medical assistance abroad; reimbursed only when pre-coordinated with LHV.

transpordikulu meditsiinilise abi saamiseks välisriigis või koduriiki toomisel;

[115] COVID-19 treatment: Optional ↩

Optional cover for medical costs of a medically-confirmed COVID-19 infection during the trip (up to the chosen medical-assistance sum insured) and for trip-cancellation costs before or during the trip; if quarantined during the trip, additional accommodation and new return-ticket costs are covered up to 1,500 EUR.

reisi ajal karantiini sattumisel lisakulutused majutusele ja vajaduse korral uute tagasisõidupiletite kulu poliisil valitud reisitõrkekindlustuse kindlustussumma alusel, kuid mitte üle 1500 euro.

[116] Personal liability: €100,000 ↩

Optional liability and legal-aid cover reimbursing bodily injury and property damage caused by the insured to third parties; the liability sum insured is up to €100,000.

Vastutuskindlustuse kindlustussumma 100 000 eurot

[117] Emergency dental: €500 ↩

Covers dental first-aid costs, including examinations and medicine, from sudden toothache or an accident during the trip, up to 500 EUR; planned dental treatment is excluded.

Ootamatu hambavalu tõttu hambaravikulud välisriigis ja/või reisi ajal toimunud õnnetusjuhtumist (nt kukkumine) tingitud hambaravi esmaabikulud, sealhulgas uuringud ja ravimid, kuni 500 euro ulatuses. LHV ei hüvita plaanilist hambaravi.

[118] Search & rescue: See details ↩

No separate search-and-rescue cover.

[119] Legal assistance: €10,000 ↩

Optional cover for legal defence costs and bail (kautsjon) provided together with the liability and legal-aid protection; the legal protection sum insured is up to €10,000, including a bail sub-limit of up to €5,000.

Õigusabikindlustuse kindlustussumma 10 000 eurot sh kautsjon 5000 eurot

[120] Emergency medical treatment: Covered ↩

Covers unavoidable emergency medical care abroad when the insured suffers a sudden deterioration of health or bodily injury requiring immediate treatment.

Kindlustuskaitse all on tervisliku seisundi ootamatu halvenemine, mille ravimiseks vajab kindlustatud isik vältimatult arstiabi või surm reisi ajal.

[121] Hospitalization: Conditional ↩

LHV arranges and coordinates the insured's hospital treatment abroad; LHV reimburses these costs only if they were pre-approved by LHV.

meditsiiniabi kindlustusjuhtumi puhul korraldab LHV kindlustatud isiku haiglaravi, koduriiki toomise või matmise või tuhastamise välisriigis. LHV hüvitab eeltoodud teenuste kulud ainult siis, kui need on LHV-ga eelnevalt kooskõlastatud.

[122] Outpatient treatment: Covered ↩

Covers outpatient treatment, prescription medicine and dental care costs incurred abroad due to a medical assistance insured event.

ravi, retseptiravimite, hambaravi ja meditsiiniliste abivahendite kulu;

[123] Medical evacuation: Conditional ↩

Covers transport of the insured back to the home country following a medical assistance event; LHV coordinates and must pre-approve the arrangement.

transpordikulu meditsiinilise abi saamiseks välisriigis või koduriiki toomisel;

[124] Repatriation of remains: Conditional ↩

Covers burial costs abroad or the cost of transporting the deceased home; LHV arranges the service and reimburses costs only if pre-coordinated.

matmiskulu välisriigis või surnu koju toimetamise kulu.

[125] Pre existing conditions: See details ↩

No specific pre-existing condition rule; planned treatment, rehabilitation and non-prescription medicine costs are excluded from cover.

plaanilise ravi, taastusravi, alternatiivravi retseptita ostetud ravimite kulud;

[126] Winter sports cover: Optional ↩

Optional 'Sports cover' add-on for active sports pursued during the trip; medical costs for high-risk activities are covered up to the medical assistance sum insured selected on the policy, while theft, sudden destruction or damage of sports equipment is reimbursed up to 500 EUR, and closure of a sports piste/facility due to an insured event pays up to 50 EUR per day per insured person.

Meditsiiniabikindlustuse kindlustussumma suure riskiga tegevuse korral Poliisil valitud meditsiiniabi-kindlustuse kindlustussumma; Kindlustussumma spordivarustuse varguse või kahjustumise korral 500 eurot

[127] Adventure sports cover: Optional ↩

Optional 'Sports cover' add-on covering active sports pursued during the trip, including cycling, skiing, running races, marathons, triathlons and related training camps; medical costs for these high-risk activities are covered up to the medical assistance sum insured selected on the policy, while loss or damage of sports equipment is reimbursed up to 500 EUR.

võistlussport: ratta-, suusa- ja jooksuvõistlusel (sealhulgas maratonil) ning triatlonil osalemine ning samuti nende spordialade treeninglaagrites osalemine ja võistlusteks valmistumine;

[128] Pregnancy complications: Conditional ↩

Covers unavoidable medical care needed due to an unexpected pregnancy complication up to the 35th week of pregnancy (inclusive); costs after week 35, childbirth and postnatal care are excluded.

Esimese 35 rasedusnädala jooksul raseduse ootamatust komplikatsioonist tingitud vältimatu arstiabi kulu. Kui rasedus on kestnud üle 35 nädala, ei hüvita LHV raseduse komplikatsioonidest tingitud kulu.

[129] Medical expenses: Covered ↩

Covers doctor-prescribed necessary and urgent treatment costs abroad including examinations, medical aids, medicines and hospital bed-day fees; the sum insured is stated on the policy

arsti poolt määratud vältimatud ja vajalikud ravikulud sh uuringute, meditsiiniliste abivahendite ja ravimite kulu, voodipäevatasu.

[130] Medical transport: Covered ↩

Reasonable transport and accommodation costs to receive medical assistance abroad are covered

haigestunud või vigastatud kindlustatud isiku põhjendatud transpordi- ja majutuskulud meditsiiniabi saamiseks;

[131] COVID-19 treatment: Conditional ↩

Treatment costs from contracting COVID-19 while travelling are covered up to the medical assistance sum insured, but only if medical assistance and trip-disruption cover were both selected on the policy; quarantine-related accommodation/transport costs and testing costs are excluded

Meditsiiniabi kindlustusjuhtumi korral hüvitatakse kindlustatud isiku COVID-19-sse haigestumisega seotud ja tingimustes sätestatud ravikulud kuni poliisil märgitud meditsiiniabi kindlustuse kindlustussummani.

[132] Personal liability: Optional ↩

A separately selectable module covering the insured person's civil liability for direct property damage caused to third parties during the trip; the sum insured is stated on the policy

Vastutuskindlustuse kindlustusjuhtum on kindlustusperioodi jooksul reisil toimunud ootamatu ja ettenägematu sündmus, mis on põhjuslikus seoses kindlustatud isiku tegevusega ja mille tagajärjel tekkis kahjustatud isikule varaline kahju ning kindlustatud isikul on sellise kahju seadusjärgne hüvitamise kohustus.

[133] Emergency dental: €200 ↩

Emergency dental first-aid costs are reimbursed up to 200 euros per insurance period; planned/routine dental treatment is excluded

stomatoloogilise esmaabi kulud kuni 200 euro ulatuses kindlustusperioodi kohta;

[134] Search & rescue: Excluded ↩

PZU does not reimburse costs related to searching for the insured person if they get lost or go missing

kindlustatud isiku otsimine tema ära eksimisel või kadunuks jäämisel;

[135] Legal assistance: Optional ↩

Within the liability module, legal costs necessary to defend against a claim made against the insured person are covered if pre-agreed with PZU; no deductible applies to legal assistance costs

Hüvitamisele kuuluvad ainult PZU-ga eelnevalt kooskõlastatud õigusabikulud. PZU ei hüvita õigusabikulusid, kui tegemist ei ole kindlustusjuhtumiga või kahju hüvitamine on kindlustustingimustega välistatud. Õigusabikulude suhtes omavastutust ei rakendata.

[136] Emergency medical treatment: Covered ↩

Triggered by sudden illness, accident or injury during the trip that requires unavoidable medical treatment abroad; sum insured is marked on the policy

kindlustatud isiku ootamatu äge haigestumine, mille sümptomid ilmnevad esmakordselt antud reisi ajal ... ning mille ravimiseks vajab kindlustatud isik vältimatut arstiabi välisriigis;

[137] Hospitalization: Covered ↩

Hospital bed-day fees and inpatient treatment are covered, but the cost must be pre-agreed with PZU before treatment begins

Statsionaarse haiglaravi ja meditsiiniliste abivahenditega seotud kulu peab olema eelnevalt PZU-ga kooskõlastatud;

[138] Outpatient treatment: Covered ↩

Doctor-prescribed necessary examinations and medicines received on an outpatient basis abroad are covered up to the medical expenses sum insured

arsti poolt määratud vältimatud ja vajalikud ravikulud sh uuringute, meditsiiniliste abivahendite ja ravimite kulu, voodipäevatasu.

[139] Medical evacuation: Covered ↩

Reasonable costs of transporting the ill or injured insured person back to Estonia are covered when medically indicated, including use of a medical escort; the transport method and cost must be pre-agreed with PZU

haigestunud või vigastatud kindlustatud isiku Eestisse transportimise mõistlikud ja põhjendatud kulud juhul, kui meditsiinilisel näidustusel on vajalikud eritingimused tema transportimisel, sh meditsiinilise saatja kasutamine.

[140] Repatriation of remains: Covered ↩

In case of death abroad, funeral costs abroad and/or the cost of transporting the remains to Estonia are covered, provided these are pre-agreed with PZU; costs for relatives attending the funeral are not covered

kindlustatud isiku surma korral matusekulud välisriigis ja/või kindlustatud isiku säilmete Eestisse toomise kulud, mis on eelnevalt PZU-ga kooskõlastatud. PZU ei hüvita kindlustatud isiku matustel või tuhastamistseremoonial osalevate isikute transpordi- ega majutuskulu ega peiede kulu.

[141] Pre existing conditions: Conditional ↩

Sudden, medically unforeseeable exacerbation of a chronic disease abroad is covered (first-aid costs) provided travel was not contraindicated; costs related to an illness that began before the trip, or ongoing treatment/medication known to be needed before travel, are excluded

mis on seotud enne reisi algust alanud haigusega või tekkinud vigastusega, v.a kroonilise haiguse ootamatu ägenemisega seotud esmaabi kulu;

[142] Winter sports cover: Optional ↩

Recreational alpine skiing and snowboarding on marked pistes within ski resorts are covered only if this risk is marked on the policy; competitions, training and off-piste/freeride skiing or snowboarding are excluded

mäesuusatamine, lumelauasõit harrastajana talispordikeskuste tähistatud radadel. Kindlustuskaitse kehtib ainult vabaaja tegevustele, võistlused ja treeningud ei ole kaetud;

[143] Adventure sports cover: Optional ↩

Activities such as licensed recreational diving up to 20m, organized ATV/snowmobile safaris, cycling in mountains, and organized mountain/river hiking (2500-4000m) are covered only if marked on the policy; extreme sports, off-piste activity, alpinism above 4000m and similar high-risk pursuits are permanently excluded

hobisukeldumine litsentsiga lubatud sügavuseni, kuid mitte sügavamale kui 20 m; - osalemine turistidele mõeldud ja organiseeritud ATV- ja mootorsaani safaril ja/või matkal;

[144] Pregnancy complications: €5,000 ↩

Unavoidable medical costs caused by an unexpected complication of pregnancy occurring before the 28th week are covered up to 5,000 euros; costs after week 28 and those related to childbirth, abortion or artificial insemination are excluded

enne 28. rasedusnädalat raseduse ootamatust komplikatsioonist tingitud vältimatu arstiabi kulud kuni 5000 eurot.

[145] Medical expenses: Covered ↩

Covers unexpected and essential medical care costs incurred abroad during travel; the exact sum insured is stated on the individual policy, not fixed in the terms.

ootamatu ja äge haigestumine, mis ohustab kindlustatu elu või tervist ning mille sümptomid ilmnevad esmakordselt reisi ajal ja mille ravimiseks vajab kindlustatu vältimatut arstiabi

[146] Medical transport: Covered ↩

Reasonable and justified transport costs to receive medical assistance abroad are covered without a separately stated cap.

kindlustatu põhjendatud transpordikulud arstiabi saamiseks;

[147] COVID-19 treatment: Excluded ↩

Losses caused by pandemic, epidemic or environmental contamination are explicitly excluded under the general exclusions.

tuumaenergia, radioaktiivsus, pandeemia, epideemia, keskkonna saastatus.

[148] Personal liability: Optional ↩

Optional add-on covering the insured's legal liability for unlawfully causing damage to a third party's property or health while traveling; the sum insured is set on the policy. Funeral costs of a third party are covered up to 3000 EUR.

kindlustatu poolt kolmandale isikule õigusvastase tegevuse käigus lepinguvälise kahju tekitamine, mille tagajärjel on kindlustatul seadusest tulenev kahju hüvitamise kohustus.

[149] Emergency dental: €300 ↩

Dental treatment costs are covered up to 300 EUR per insurance period.

hambaravikulud maksumusega kuni 300 eurot kindlustusperioodi kohta;

[150] Search & rescue: See details ↩

No separate search-and-rescue cover.

1. PÕHIMÕISTED............................................................................................................................3 2. REISIKINDLUSTUSE LEPINGU SÕLMIMINE JA LÕPPEMINE...................................................3 3. KINDLUSTUSSUMMA JA KINDLUSTUSKAITSE KEHTIVUSE TINGIMUSED ............................4 4. TERVISEKINDLUSTUS ...............................................................................................................4 5. REISITÕRKE KINDLUSTUS........................................................................................................7 6. PAGASIKINDLUSTUS ...............................................................................................................11 7. RENDIAUTO OMAVASTUTUSKINDLUSTUS............................................................................13 8. REISIKINDLUSTUSE VASTUTUSKINDLUSTUS.......................................................................14 9. ÜLDISED VÄLISTUSED ............................................................................................................15 10. KINDLUSTUSVÕTJA ÜLDISED KOHUSTUSED PÄRAST KINDLUSTUSJUHTUMI TOIMUMIST...............................................................................................................................16 11. SALVA KOHUSTUSED..............................................................................................................16 12. KINDLUSTATU KOHUSTUSE RIKKUMISE ÕIGUSLIKUD TAGAJÄRJED ................................16 13. KINDLUSTUSHÜVITISE SAAMISEKS ÕIGUSTATUD ISIK.......................................................17 14. ÜLDISED KAHJU HÜVITAMISE REEGLID................................................................................17 15. VAIDLUSTE LAHENDAMINE.....................................................................................................17

[151] Legal assistance: €3,000 ↩

Court costs awarded against the insured and pre-agreed legal costs for establishing liability are covered up to 10% of the damage amount, but not more than 3000 EUR, within the optional liability cover.

Õigusabikulu hüvitatakse summas kuni 10% kahju suurusest, kuid mitte rohkem kui 3000 eurot.

[152] Emergency medical treatment: Covered ↩

Sudden acute illness or accident requiring emergency medical care abroad, where delay could cause permanent harm, is an insured event; sum insured is set on the policy.

ootamatu ja äge haigestumine, mis ohustab kindlustatu elu või tervist ning mille sümptomid ilmnevad esmakordselt reisi ajal ja mille ravimiseks vajab kindlustatu vältimatut arstiabi

[153] Hospitalization: Covered ↩

Inpatient (hospital) treatment costs are covered under the medical expenses insurance; no separate cap is stated, the overall policy sum insured applies.

ambulatoorse ja haiglaravi kulud;

[154] Outpatient treatment: Covered ↩

Ambulatory treatment costs are covered under the medical expenses insurance; no separate cap is stated, the overall policy sum insured applies.

ambulatoorse ja haiglaravi kulud;

[155] Medical evacuation: Covered ↩

Transport costs to bring an injured or ill insured back to Estonia are covered; the need for and conditions of repatriation are decided by the medical assistance coordinator, Salva and its trusted physician, and prior consent is required.

Vigastatud või haige kindlustatu tagasitoimetamise vajaduse ning tagasitoimetamise tingimuste üle on õigus otsustada meditsiiniabi koordinaatoril, Salval ning tema usaldusarstil.

[156] Repatriation of remains: €3,000 ↩

Funeral costs incurred abroad are covered up to 3000 EUR; transport of the deceased's body or ashes to Estonia is covered without a separately stated cap.

välisriigis toimunud matuse kulu kuni 3000 eurot või kindlustatu surnukeha või tema tuha transpordikulud Eesti Vabariiki;

[157] Pre existing conditions: Conditional ↩

Costs related to a chronic disease diagnosed before the cover took effect are generally excluded, except for a life- or health-threatening exacerbation of a chronic disease that was unforeseeable before the trip and where travel was not contraindicated.

kulu, mis on seotud enne kindlustuskaitse kehtivust diagnoositud kroonilise haiguse, haigussümptomite või varem diagnoositud haiguse ravimisega, v.a punktis 4.1.1.1 toodud juhul;

[158] Winter sports cover: Optional ↩

Available as the optional sports add-on cover; it does not extend to winter sports practiced outside the marked pistes of a winter sports resort, or to heli-skiing.

talispordi harrastamine väljaspool talispordikeskuse märgistatud radasid, poks, karate, maadlus, võitluskunstid ning muud ekstreemspordialad.

[159] Adventure sports cover: Excluded ↩

Mountaineering, alpinism, air sports, parachute/bungee jumps, motorsport, diving below 40m, rafting, downhill/freeride cycling, boxing, karate, wrestling, martial arts and similar extreme sports cannot be insured even with the optional sports add-on.

mägironimine, alpinism, lennusport, langevarju- ja benji-hüpped, motosport, allveesport, sh sukeldumine sügavuseni üle 40 m, kärestikuparvesõit (rafting), ekstreemspordialad (sh jalgrattaga mäestlaskumine (downhill), jalgratta maastikusõit (freeride)

[160] Pregnancy complications: Conditional ↩

Costs related to pregnancy or childbirth (including abortion) are excluded, except for emergency care required as a result of an accident.

kulu, mis on seotud raseduse või sünnitusega (k.a abort), v.a vältimatu abi õnnetusjuhtumi tagajärjel;

[161] Medical expenses: Covered ↩

Covers doctor-prescribed, reasonable and necessary treatment costs abroad, including hospital bed-day fees, examinations, medication and necessary medical aids, plus reasonable emergency first-aid costs for a sudden exacerbation of a chronic illness. The exact sum insured is chosen individually on the policy.

Välisriigis arsti poolt määratud põhjendatud ja vältimatud ravikulud, sh voodipäevatasud, uuringud ja ravimid.

[162] Medical transport: Covered ↩

Reasonable costs for the injured or ill person to reach a medical facility and then an accommodation facility are reimbursed.

Hüvitatakse mõistlikud kulud kannatanu jõudmiseks raviasutusse ja sealt majutusasutusse.

[163] COVID-19 treatment: See details ↩

COVID-19 is treated like any other sudden illness under medical expenses cover, subject to the standard exclusions.

[164] Personal liability: Optional ↩

Liability cover is one of the selectable insurance options under the Seesam travel policy; when marked on the policy, it covers damage unlawfully caused by the insured to a third party abroad.

Kindlustuskaitse variantideks on meditsiiniabi kindlustus, reisitõrke kindlustus, pagasi kindlustus, vastutuskindlustus ja rendiauto omavastutuse kindlustus.

[165] Emergency dental: €500 ↩

Emergency dental first-aid costs incurred abroad are reimbursed up to 500 EUR per insured person per trip.

Stomatoloogilise esmaabi kulud, mille hüvitispiir on 500 eurot ühe kindlustatu ja ühe reisi kohta.

[166] Search & rescue: See details ↩

No separate search-and-rescue cover.

[167] Legal assistance: Optional ↩

Legal defence costs for the insured are covered, when needed, as part of the optional liability insurance module selected on the policy.

Vajaduse korral hüvitatakse kindlustatu õigusabikulud tema kaitsmiseks.

[168] Emergency medical treatment: Covered ↩

Emergency medical care following a sudden acute illness, accident or death occurring abroad during the trip is the core insured event of the medical module.

Meditsiiniabi kindlustusjuhtumiks on kindlustatuga reisil toimunud ootamatu äge haigestumine, õnnetus või surm.

[169] Hospitalization: Covered ↩

Hospital bed-day fees incurred abroad as part of doctor-prescribed treatment are reimbursed as part of medical expenses; there is no separate sub-limit stated.

Välisriigis arsti poolt määratud põhjendatud ja vältimatud ravikulud, sh voodipäevatasud, uuringud ja ravimid.

[170] Outpatient treatment: Covered ↩

Outpatient examinations, doctor consultations and prescribed medication abroad are reimbursed as part of medical expenses.

Välisriigis arsti poolt määratud põhjendatud ja vältimatud ravikulud, sh voodipäevatasud, uuringud ja ravimid.

[171] Medical evacuation: Conditional ↩

If medically indicated, transport and accommodation costs for the insured's return to Estonia are covered, including reasonable transport and accommodation costs for one accompanying person; all such costs must be pre-approved by Seesam.

Meditsiinilise näidustuse korral hüvitatakse kindlustatu Eestisse tagasi pöördumisega seotud transpordi- ja majutuse kulud.

[172] Repatriation of remains: €10,000 ↩

If the insured dies abroad during the trip, burial or cremation costs abroad and/or transport of the remains or urn to Estonia are covered up to 10,000 EUR; costs must be pre-agreed with Seesam and reimbursement is paid to the person who bore the expense.

Kui kindlustatu sureb reisi ajal välisriigis, kaetakse järgmised kulud hüvitispiiriga kuni 10 000 eurot:

[173] Pre existing conditions: Excluded ↩

Costs relating to an illness, its symptoms, or a condition diagnosed before the insurance cover took effect are excluded from the medical module.

enne kindlustuskaitse kehtivust diagnoositud haiguse, haigussümptomite või varem diagnoositud haiguste ravile;

[174] Winter sports cover: Optional ↩

Downhill skiing or snowboarding on marked pistes at winter sports resorts is covered only if the 'Hazardous Activity' add-on is marked on the policy. Skiing/snowboarding off marked pistes, slalom, speed/downhill racing, freestyle, ski jumping, snowboard tricks and bobsleighing remain excluded even with the add-on.

mäesuusatamine või lumelauaga sõitmine tähistatud radadel talispordikeskuses;

[175] Adventure sports cover: Optional ↩

Activities such as weightlifting, powerlifting, ice hockey, ATV/snowmobile riding, competitive sports events, mass sporting events (e.g. marathons) and guided multi-day expeditions in uninhabited areas are covered only with the 'Hazardous Activity' add-on marked on the policy. Rock/mountain climbing, motorsport, air sports, contact sports, extreme sports, diving below 40m, parachute/bungee jumping and offshore sailing without a port call every 7 days remain excluded even with the add-on.

Meditsiiniabi kindlustuskaitse kehtib allpool loetletud harrastuste puhul ainult siis, kui poliisil on märge „Ohtlik harrastus”.

[176] Pregnancy complications: Conditional ↩

Costs of pregnancy-related complications are covered up to the 35th week of pregnancy, subject to the overall medical sum insured chosen on the policy; costs related to childbirth, artificial insemination, termination of pregnancy, contraception or the newborn child are excluded.

Rasedusega seotud tüsistuste kulud.

[177] Medical expenses: €750,000 ↩

Travel insurance covers emergency medical assistance up to €750,000 per insured person.

[178] Medical transport: €750,000 ↩

Treatment and transport costs share a combined limit of €750,000 per the credit-card-linked terms benefits table.

Ravi- ja transpordikulud 750 000

[179] COVID-19 treatment: €750,000 ↩

COVID-19 hospitalization costs are reimbursed for up to 12 months or until the €750,000 medical expenses sum is exhausted; cover applies automatically at no extra cost if at least one of several eligibility conditions is met (negative test within 72 hours, recovery within 6 months, or a valid EU-compliant vaccination certificate), unless the insured fell ill before departure or was ordered into self-isolation in Estonia.

Kui peaksid reisil olles haigestuma koroonaviirusesse ja vajama haiglaravi, hüvitatakse Sinu meditsiiniabi kulud kuni 12 kuu ulatuses või kuni medistiiniabi kindlustussumma 750 000 euro täitumiseni.

[180] Personal liability: €10,000 ↩

Covers damage caused by the insured to a third party's health or property, up to €10,000 per claim.

Vastutuskindlustus 10 000

[181] Emergency dental: €200 ↩

Dental trauma and acute toothache treatment costs are covered as emergency first aid, limited to €200 per claim.

Hambaravi korral on hüvitis piiratud esmaabikuludega 200 euro ulatuses kindlustusjuhtumi kohta.

[182] Search & rescue: See details ↩

Not found as a separately stated benefit in the available sources.

[183] Legal assistance: €1,000 ↩

Covers necessary and reasonable legal costs abroad up to €1,000, as part of the liability and legal-aid cover.

Õigusabi 1000

[184] Emergency medical treatment: €750,000 ↩

Medically justified emergency treatment costs abroad, including prescribed medication, are covered within the €750,000 medical expenses limit.

[185] Hospitalization: See details ↩

Not found as a separately stated sub-limit in the available sources; likely included within the overall medical expenses limit.

[186] Outpatient treatment: See details ↩

Not found as a separately stated sub-limit in the available sources.

[187] Medical evacuation: Covered ↩

If the insured's health condition allows transport, the insurer may decide to return the insured to their home country at its own cost or cover further treatment abroad.

Kui Teie tervislik seisund võimaldab transportimist, on meil õigus otsustada, kas toimetada Teid meie kulul tagasi kodumaale või hüvitada välisriigis edasise ravimise kulud.

[188] Repatriation of remains: See details ↩

Not found as a separately stated benefit in the available sources.

[189] Pre existing conditions: See details ↩

Not explicitly addressed in the available sources.

[190] Winter sports cover: Covered ↩

Skiing within marked pistes at a ski resort is covered under the standard travel insurance; skiing outside marked pistes requires the optional hazardous-activity add-on.

Näiteks on Swedbanki reisikindlustuse näitel suusakuurordis märgistatud radade piires sõitmine kaetud ka tavalise reisikindlustusega, kuid märgistatud radadest väljaspool sõitmiseks tuleks juurde võtta ohtliku tegevuse lisakaitse.

[191] Adventure sports cover: Optional ↩

An optional hazardous-activity add-on is available for sports trips and physically demanding activities not covered by the base policy, such as off-piste skiing, diving or kite-surfing.

Saad juurde teha ohtliku tegevuse lisakaitse, kui plaanid reisil näiteks minna sukelduma, lohesurfi tegema vms.

[192] Pregnancy complications: See details ↩

Not explicitly addressed in the available sources.