Gjensidige
Gjensidige is a travel insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
Gjensidige can issue a guarantee letter to the medical facility via its assistance partner APRIL LIETUVA ASSISTANCE UAB, so the insured does not need to pay out of pocket in many cases. Alternatively, the insured may pay upfront and submit original invoices upon return to Estonia for reimbursement.
Geographic scope
international
Worldwide except Russia, Belarus, Ukraine; territory specified on policy; trips must start and end in Estonia
Unique selling points
- 24/7 telephone assistance abroad via Reisiabi24 and APRIL LIETUVA ASSISTANCE UAB, with the ability to issue direct guarantee letters to medical facilities so the insured rarely needs to pay out of pocket.
- Comprehensive COVID-19 treatment coverage included for policies from 07.02.2023, covering medical costs and transport to Estonia without additional premium.
- Broadest baggage delay compensation on the Estonian market at EUR 50 per delayed day (over 4 hours), up to 50% of the baggage insured sum.
- Optional terrorism add-on covers medical expenses resulting from a terrorist act, including both the standard medical assistance and a specific natural disaster and terrorism rider.
- Flexible modular structure allows insured to select only the required coverages (medical, accident, travel disruption, baggage, sports equipment, personal liability, rental car excess) for both leisure and work trips regardless of occupation or hobby.
Coverage limits
Medical expenses (medical assistance insurance)
Covered
Covers sudden and unexpected deterioration of health during travel that endangers life or health, with symptoms first appearing during the trip and requiring emergency medical care. Covers outpatient and inpatient treatment costs within 30 days of the insured event, urgent surgical operations, prescription medication, reasonable transport to receive medical care, and other related costs. The insured sum is set on the policy.
Emergency medical treatment
Covered
Emergency medical treatment (vältimatu arstiabi) is defined as assistance provided to prevent further deterioration of the insured's health condition. Covers outpatient and inpatient emergency treatment, urgent surgical operations, and prescription medications prescribed by a doctor. The total limit is set on the policy.
Hospitalization
Covered
Inpatient hospital treatment costs incurred abroad as a result of an insured event are covered within 30 days of the event. Prior coordination with Gjensidige's claims partner is required for hospitalization; Gjensidige covers hospitalisation costs only if pre-approved by its claims handling partner.
Outpatient treatment
Covered
Outpatient treatment costs abroad resulting from an insured event are covered within 30 days of the insured event. Includes doctor visit fees, prescription medication costs, and related reasonable transport to receive medical care. Sum insured is set on the policy.
Emergency dental first aid
Covered
Emergency dental first aid costs are covered up to EUR 200 per insurance period (not per insured event). Only emergency dental care is covered; elective or cosmetic dental treatment is excluded.
Medical transport
Covered
Covers reasonable transport costs to reach medical care abroad, transport of a seriously injured or ill insured person back to Estonia, and (for a companion remaining with the seriously ill insured) additional transport in tourist class plus up to 7 days accommodation abroad at up to EUR 100 per day — subject to prior approval by Gjensidige.
Medical evacuation to Estonia
Covered
Gjensidige or its authorized medical representative organizes transport of a seriously ill or injured insured back to Estonia, taking into account the insured's health condition. Evacuation is organized and costs are covered only if pre-approved by the claims handling partner. If the insured refuses repatriation, Gjensidige may decline to cover subsequent costs.
Repatriation of remains
Covered
Covers transport costs of the insured's body or ashes to Estonia, as well as coffin and funeral costs abroad (including cremation), excluding the funeral reception and travel costs of those attending the funeral. Must be pre-coordinated with Gjensidige's claims handling partner.
Search and rescue
Not offered
Search and rescue costs (i.e. costs necessary to locate the insured) are explicitly excluded under the medical assistance insurance exclusions.
COVID-19 illness treatment
Conditional
For policies concluded from 07.02.2023 onwards with the COVID-19 clause, Gjensidige covers medical treatment costs abroad related to COVID-19 illness and medical transport to Estonia. COVID-19 quarantine, isolation, or test costs are not covered. The standard medical assistance conditions (RK101-2019) apply.
Pre-existing / chronic disease acute exacerbation first aid
Conditional
In the event of an acute exacerbation of a chronic disease (sudden appearance or worsening of symptoms characteristic of a chronic disease requiring emergency medical care), Gjensidige covers first aid costs up to EUR 1,500. Planned medical treatment related to known conditions is excluded. If the insured was aware before travel that they would likely need medical care, no coverage applies.
Winter sports cover (hazardous hobby add-on)
Optional
Snowboarding and alpine skiing on marked runs in a winter sports centre are covered as a hazardous hobby (ohtlik harrastus), but only if this activity is noted on the policy. Coverage applies under the medical assistance and accident insurance sections. The trip purpose must not be competitive sports or training.
Adventure and extreme sports cover
Optional
Coverage for hazardous hobbies (ohtlik harrastus, e.g. surfing, ATV safaris, organized mountain hiking up to 3,500m, team sports), competitive sports (võistlussport), and extreme sports (ekstreemsport, e.g. mountaineering, skydiving, motorsport, combat sports) is available as an optional add-on noted on the policy. Each category requires explicit notation on the policy and, for competitive/extreme sports, the specific sport discipline must also be noted.
Pregnancy complications emergency care
Conditional
Emergency medical care costs resulting from unexpected pregnancy complications arising before the 32nd week of pregnancy are covered up to EUR 1,500. Childbirth, abortion, and related services are explicitly excluded. Coverage applies only to sudden and unexpected complications.
Personal liability
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Legal assistance costs
Optional
Necessary and justified legal assistance costs arising from a personal liability insured event are covered up to EUR 1,500. This coverage is only available if personal liability insurance (eraisiku vastutuskindlustus) is selected and noted on the policy.
24/7 assistance service (Reisiabi24)
Covered
Gjensidige provides 24/7 telephone assistance through its Reisiabi24 service and its claims handling partner APRIL LIETUVA ASSISTANCE UAB. In the event of a health emergency abroad, the insured must contact the assistance partner listed on the policy. Gjensidige can issue a guarantee letter to the medical facility on behalf of the insured.
Key conditions
Assistance call deadline
In the event of a health emergency, the insured must immediately seek medical care and present the insurance policy (showing the contact details of assistance partner APRIL LIETUVA ASSISTANCE UAB) to the medical facility. If hospitalization is needed, the insured must contact Gjensidige's claims handling partner before admission. Hospitalization costs are reimbursed only if pre-approved.
Unauthorized treatment
Hospital treatment costs incurred without prior approval from Gjensidige's claims handling partner are not reimbursed. If the insured refuses medically organized repatriation, Gjensidige may decline to cover subsequent costs. All transport of remains and burial arrangements abroad must also be pre-approved with the claims handling partner.
Purchase while abroad
If the insured has already departed from Estonia at the time of concluding the insurance contract, the contract can only be concluded by special agreement with Gjensidige. Standard online purchase requires the trip to not yet have started.
Chronic conditions
Chronic disease acute exacerbation first aid is covered up to EUR 1,500 per insured event (clause 2.1.2.3). Planned treatment of known chronic conditions is excluded. If the insured knew or could reasonably foresee before travel that they would likely need medical care, no coverage applies for related costs.
Pregnancy
Emergency medical care costs due to unexpected pregnancy complications before the 32nd week of pregnancy are covered up to EUR 1,500 (clause 2.1.2.9). Childbirth, abortion, artificial insemination, fertility treatment, and contraception, as well as their complications, are explicitly excluded (clause 3.7).
pre_existing_conditions
Pre-existing conditions are generally excluded: if the insured was aware before travel or could reasonably foresee that they would likely need medical care, no reimbursement is made. By exception, an acute exacerbation of a chronic disease requiring emergency medical care is covered up to EUR 1,500 first aid only. Planned medical services (including cosmetic operations) are not covered.
coverage_duration_limit
The insurance period may not be shorter than the duration of the trip, except by special agreement with Gjensidige. For annual multi-trip (korduvreisikindlustus) policies, coverage for each individual trip is valid for a maximum of 45 consecutive days. For open travel days (avatud reisipäevade) policies for legal entities, the maximum number of travel days per period is stated on the policy. If return to Estonia is delayed due to a travel disruption insured event, the insurance period is extended by 48 hours.
Policy specifics
Travel disruption and cancellation
Covers costs related to trip cancellation, postponement, interruption, and delays due to specified events
Baggage and luggage protection
Covers loss, damage, theft, or delay of luggage and personal belongings during travel
Terrorism protection add-on
Optional additional coverage for medical expenses incurred as a result of terrorism acts
COVID-19 illness coverage
Covers medical expenses and travel cancellation costs related to COVID-19 illness abroad
Active recreation and sports coverage
Optional coverage for sports equipment protection and high-risk activity participation during travel
Medical assistance service provider
Medical claims are coordinated through 24-hour assistance partner APRIL LIETUVA ASSISTANCE UAB
Travel origin and destination requirement
Travel insurance applies only to trips that begin and end in Estonia; insured must depart from Estonia and return to Estonia
Countries not covered by insurance
Gjensidige travel insurance does not apply in Russia, Belarus, and Ukraine
Travel disruption coverage waiting period
Travel disruption (trip cancellation) insurance coverage begins 72 hours after policy issuance
Insurance period minimum requirement
Insurance period cannot be shorter than the actual trip duration, except by special agreement with Gjensidige