Gjensidige Travel insurance (Travel Medical)

Reisiabi24 provides a 24/7 telephone assistance line for policyholders in difficulty abroad.

Medical assistance is mandatory and included in every policy, guaranteeing baseline emergency medical protection regardless of which optional modules are chosen.

The Reisiabi24 partner can arrange a guarantee letter directly to the foreign medical facility, so the insured does not necessarily need to pay upfront.

An optional terrorism and natural-disaster extension can be layered onto the core medical assistance cover.

claim_notification

In the event of a claim the insurer must be notified immediately; in case of illness or bodily injury, the insured must see a doctor immediately and obtain a certificate of their state of health.

Section: Millised on mu kohustused?

Kindlustusjuhtumi korral teavitada koheselt kindlustusandjat.

claim_submission_deadline

A written claim, together with original documents and data on the circumstances of the event, the amount of loss and the persons involved, must be submitted no later than one month after the trip ends.

Section: 4. Kindlustuslepingu poolte kohustused

esitab kirjaliku hüvitistaotluse hiljemalt ühe kuu jooksul pärast reisi lõppemist.

Unauthorized treatment

If the insured needs hospital treatment, the Gjensidige claims partner named on the policy must be contacted; Gjensidige only reimburses the hospital treatment cost if this has been agreed in advance with its claims partner.

Section: 4. Kindlustuslepingu poolte kohustused > Tegevus meditsiiniabikindlustuse kindlustusjuhtumi korral

Gjensidige hüvitab haiglaravikulu ainult siis, kui see on enne Gjensidige kahjukäsitluspartneriga kooskõlastatud.

Purchase while abroad

A trip begins when the insured crosses the Estonian border leaving Estonia and ends when they cross it again returning. If the insured has already left Estonia by the time the insurance contract is to be concluded, the contract can only be made by special agreement with Gjensidige.

Section: 1. Üldised mõisted

Kui kindlustuslepingu sõlmimise ajaks on kindlustatu juba Eestist lahkunud, on kindlustuslepingu sõlmimine võimalik ainult erikokkuleppel Gjensidigega.

Chronic conditions

Exacerbation of a chronic disease is defined as the sudden onset or worsening of symptoms characteristic to that chronic condition which requires emergency medical care; first-aid costs for such an event are covered up to 1500 euros.

Section: 1. Üldised mõisted

Kroonilise haiguse ägenemine on kroonilisele haigusele iseloomulike sümptomite äkiline ilmumine/ägenemine, mille ravimiseks vajab kindlustatu vältimatut arstiabi.

Pregnancy

Unexpected pregnancy complications arising before the 32nd week of pregnancy that require emergency medical care are covered up to 1500 euros.

Section: 2. Kindlustuskaitse > 2.1. Meditsiiniabikindlustus

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

Pre-existing condition exclusions

Costs are not covered if the insured was aware or could reasonably have foreseen before the trip that medical assistance would likely be needed during the trip; planned medical treatment, including cosmetic surgery, is excluded.

Section: 2. Kindlustuskaitse > 2.1. Meditsiiniabikindlustus > Välistused

kui kindlustatu oli enne reisi algust teadlik või võimeline ette nägema, et tõenäoliselt võib tal reisil viibides arstiabi vaja minna.

Coverage duration limit

Under an annual multi-trip (recurring travel) policy, each individual trip is covered for a maximum of 45 consecutive days; the insurance period must not be shorter than the trip duration except by special agreement with Gjensidige.

Section: 1. Üldised mõisted

korduvreisikindlustus on piiramatu arvu reiside kindlustus ühe aasta jooksul ning iga reisi kindlustuskaitse kehtib maksimaalselt 45 järjestikust päeva.

trip_cancellation_waiting_period

Trip cancellation (reisitõrke) cover takes effect 72 hours after the insurance contract is concluded/the policy is issued.

Section: 2. Kindlustuskaitse > 2.3. Reisitõrke kindlustus

Reisitõrke kindlustuse kindlustuskaitse hakkab kehtima 72 tunni möödumisel poliisi väljastamisest.

Direct payment

In case of emergency medical treatment abroad, the insured must contact the Reisiabi24 partner APRIL LIETUVA ASSITANCE UAB and present the insurance policy; Gjensidige covers treatment costs by issuing, at its partner's request, a guarantee letter directly to the medical facility. Alternatively, the insured may pay the costs themselves and submit original invoices for reimbursement upon returning home.