Elama Kindlustus AS
Elama
Elama is a travel insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
Not confirmed for Elama travel insurance; company documentation describes a reimbursement (hüvitis) model based on submitted medical bills/documents rather than an explicit direct-billing/guarantee-letter arrangement with hospitals
Geographic scope
Selectable territory: Ukraine, Belarus, Russia, or Europe (excluding Turkey), as marked on the policy
Coverage applies only within the single territory selected and marked on the policy at purchase; for the European territory a valid European Health Insurance Card (EHIC) or substitute certificate is required throughout the insurance period
Unique selling points
- Purpose-built for e-visa travelers who need a compliant travel insurance to present for third countries such as Ukraine, Belarus, or Russia.
- Two selectable indemnity tiers, Flex (up to EUR 30,000) and Max (up to EUR 50,000), letting customers choose their level of protection.
- Selectable coverage territory tailored to the destination — Ukraine, Belarus, Russia, or wider Europe excluding Turkey.
- Policy can be purchased online with just a few clicks.
- Insurer commits to acting quickly and keeping customers continuously updated during claims handling.
Coverage limits
Medical expenses indemnity limit
€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.
Emergency medical care and 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.
Hospitalization
No limit stated
Not explicitly listed as a separate benefit in the travel insurance sources reviewed.
Outpatient treatment
No limit stated
Not explicitly listed as a separate benefit in the travel insurance sources reviewed.
Emergency dental treatment
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.
Emergency medical transportation to Estonia
Covered
Covers transportation of the insured person to Estonia as prescribed by a doctor, provided the insurer has given prior consent.
Medical evacuation
No limit stated
Not explicitly listed as a separate benefit beyond emergency transportation to Estonia in the sources reviewed.
Funeral expenses and 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.
COVID-19 treatment
No limit stated
Not mentioned as a specific, separately named benefit in the sources reviewed.
Exacerbation of chronic illness
Covered
Treatment for the exacerbation of a chronic disease occurring during travel is covered as emergency medical care.
Adventure/high-risk sports cover
No limit stated
Sources note that high-risk activities may be excluded or require an additional premium, but no specific rider or limit is documented.
Pregnancy complications treatment
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.
24/7 assistance line
No limit stated
Not explicitly confirmed as a 24/7 dedicated assistance service in the sources reviewed for this product.
Key conditions
Assistance call deadline
The insured or authorized person must notify the insurer of an insured event as soon as possible, and no later than 5 working days after it occurs; hospitalization and repatriation costs are reimbursed only if previously agreed with the insurer's claims partner.
Unauthorized treatment
Medical care must be provided by a licensed medical institution or practitioner; costs incurred from unlicensed providers are not reimbursed, and hospitalization without prior insurer approval risks reduced or denied indemnity.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Treatment for the exacerbation of a chronic illness with symptoms first appearing during the trip is covered as emergency medical care.
Pregnancy
Treatment costs for pregnancy complications are covered only if they occur within the first 20 weeks of pregnancy, and the pregnancy must be confirmed at the start of the trip.
Pre-existing condition exclusions
Not specified in the available sources.
Coverage duration limit
Travel insurance covers a temporary stay abroad of up to one year; if the insured stays abroad longer than one year, coverage ceases and the person is deemed to have emigrated.
Where to buy
Policy specifics
Emergency medical care and treatment expenses
Covers unexpected illness primary symptoms appearing during travel, requiring emergency medical care; also covers chronic disease exacerbation during travel
SourceAccident and injury treatment
Covers treatment expenses from unexpected accident independent of insured person's will caused by external influences (bodily injury, heat stroke, freezing, poisoning)
SourcePregnancy complications treatment
Covers treatment costs for pregnancy complications if occurring within first 20 weeks of pregnancy during travel
SourceEmergency dental treatment
Covers acute dental inflammation/emergency dental pain treatment during travel
SourceEmergency medical transportation to Estonia
Covers transportation of insured person to Estonia as prescribed by doctor with prior insurer consent
SourceFuneral expenses and repatriation of remains
Covers funeral expenses abroad or transportation costs for repatriation of remains to home country in event of insured's death
SourceEscort's accommodation and transportation costs
Covers reasonable and necessary accommodation and transportation costs for an escort of insured person in event of insured event
SourceLost or damaged travel document replacement costs
Covers reasonable costs incurred abroad to replace a lost or damaged single travel document (passport)
SourceCoverage territory must be selected on policy
Insured must select and specify coverage territory (Ukraine, Belarus, Russia, or Europe excl. Turkey) on policy; coverage applies only in marked territory
SourceInsurance coverage tiers: Flex and Max
Two insurance sum options available: Flex (up to EUR 30,000 indemnity) and Max (up to EUR 50,000 indemnity)
SourceTrip duration maximum one year
Travel insurance covers temporary stay abroad with maximum duration not exceeding one year; permanent relocation excludes coverage
SourceEuropean Health Insurance Card required for EU coverage
For European coverage territory, insured must hold valid European Health Insurance Card (EHIC) or substitute certificate throughout insurance period
SourceHospitalization and repatriation require prior approval
Hospital and repatriation costs reimbursed only if previously agreed with insurer's claims partner; unplanned or unapproved hospitalization may not be covered
SourceMedical treatment must be from licensed medical provider
Medical care must be provided by licensed (accredited) medical institution or practitioner; treatment from unlicensed providers not covered
SourceClaim must be reported within 5 working days
Insured or authorized person must notify insurer of insured event as soon as possible, but no later than 5 working days after occurrence
SourceAge limit for insured persons under 80 years
Only Estonian residents under age 80 with whom the insurance risk is associated may be insured under Elama travel insurance contract
Source