Feature / category	BTA	ERGO	Gjensidige	If Kindlustus	LHV	Seesam	Swedbank
Online purchase	Yes	Yes	Yes	Yes	Yes	Yes	No
24/7 helpline	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Medical expenses	Covered	Covered	Covered	Covered	€500,000	€1,000,000	€750,000
Medical transport	Covered	Covered	Covered	Covered	Covered	€1,000,000	€750,000
COVID-19 treatment	Covered	Conditional	Conditional	Conditional	Optional	Conditional	Conditional
Personal liability	Optional	Optional	Covered	Optional	Optional	Optional	€10,000
Emergency dental	Conditional	€200	€200	€500	€500	€500	€200
Search & rescue	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered
Legal assistance	Optional	Conditional	Optional	Optional	Optional	Conditional	€1,000
Emergency medical treatment	Covered	Covered	Covered	Covered	€500,000	€1,000,000	€750,000
Hospitalization	Covered	Covered	Covered	Covered	€500,000	€1,000,000	€750,000
Outpatient treatment	Covered	Covered	Covered	Covered	€500,000	€1,000,000	€750,000
Medical evacuation	Covered	Covered	Covered	Covered	Covered	€1,000,000	€750,000
Repatriation of remains	Covered	Covered	Covered	Covered	Covered	€10,000	Unlimited
Pre existing conditions	Conditional	Conditional	Conditional	Conditional	Conditional	Excluded	Excluded
Winter sports cover	Optional	Conditional	Optional	Optional	Optional	Optional	Excluded
Adventure sports cover	Optional	Conditional	Optional	Optional	Optional	Optional	Excluded
Pregnancy complications	Conditional	Conditional	Conditional	Conditional	Conditional	Conditional	Excluded