Akciné draudimo bendrové "Gjensidige" Eesti filiaal
Gjensidige
Gjensidige is a travel insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
When emergency medical help is needed abroad, the insured must contact Gjensidige's assistance partner and present the insurance policy; Gjensidige arranges a guarantee of payment directly to the medical facility. Alternatively, the insured may pay the costs themselves and submit original receipts for reimbursement upon return.
Geographic scope
Trips departing from and returning to Estonia
Coverage applies to travel from Estonia to another country and back; the trip must both start and end in Estonia for the policy to remain valid, and if the insured has already left Estonia before the contract is concluded, the contract can only be made by special agreement with Gjensidige.
Unique selling points
- Markets itself as offering the widest travel insurance coverage on the market, with modular add-ons spanning medical, trip cancellation, baggage, personal liability, sports equipment and rental-car deductible protection.
- Medical assistance is mandatory and included in every policy, guaranteeing baseline emergency medical protection regardless of which optional modules are chosen.
- A dedicated 24/7 assistance partner can arrange a direct guarantee of payment to the foreign medical facility, so the insured does not need to pay upfront.
- Optional terrorism and natural-disaster extension can be layered onto the core medical assistance cover.
- COVID-19 related medical treatment and trip-cancellation costs are covered under current policy terms, unlike many exclusions seen elsewhere in the market.
Coverage limits
Medical Assistance Sum Insured
Covered
Medical assistance is a mandatory part of every policy; the sum insured is chosen by the customer and stated on the individual policy document, covering outpatient and hospital treatment costs incurred within 30 days of the insured event.
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.
Hospitalization Costs
Covered
Hospital treatment costs following sudden illness or accident are covered as part of the general medical assistance sum insured.
Outpatient Treatment
Covered
Ambulatory (outpatient) treatment costs incurred within 30 days of the insured event are covered within the medical assistance sum insured.
Emergency Dental Care
€200
Emergency dental first-aid costs are covered up to 200 euros per insurance period.
Medical Transport
Covered
Covers reasonable transport costs to receive medical care, and the transport costs of a seriously injured or ill insured person back to Estonia.
Medical Evacuation / Return Transport
Covered
If the insured cannot use existing return tickets to Estonia due to a medical reason following the insured event, Gjensidige covers reasonable replacement transport and, where the insured cannot be brought back to Estonia, up to 100 euros/day (max 7 days) accommodation abroad for the insured, pre-approved with Gjensidige.
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.
Search and Rescue
No limit stated
No explicit search-and-rescue benefit or limit was found in the available sources.
COVID-19 Treatment
Conditional
For policies concluded from 07.02.2023, Gjensidige covers medical treatment costs abroad related to COVID-19 illness, or costs from trip cancellation due to COVID-19, under RK101-2019 terms; medically confirmed illness is required. Negative/repeat COVID tests, antibody tests, and quarantine/isolation costs are excluded, as are other COVID-related restriction impacts (e.g. flight rescheduling).
Pre-Existing / Chronic 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, sudden exacerbation of a chronic disease requiring emergency care is covered up to 1500 euros.
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 specifically marked on the policy.
Adventure/High-Risk Activities 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; the activity must not be the purpose of the trip nor a sports competition or training.
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.
Personal Liability Insurance
Optional
Private individual liability insurance is available as an optional add-on to the travel policy; the sum insured is stated on the individual policy.
Legal Assistance
No limit stated
No dedicated legal assistance benefit was found in the available sources.
24/7 Assistance Service
Covered
Emergency medical assistance abroad is coordinated through Gjensidige's partner APRIL LIETUVA ASSISTANCE UAB, who can arrange a direct guarantee of payment to the medical facility; trip-disruption assistance is coordinated through the Reisiabi24 partner.
Key conditions
Assistance call deadline
The insured must contact Gjensidige's assistance partner and present the insurance policy when seeking treatment; no specific hour-based call deadline is stated in the available sources.
Unauthorized treatment
If costs are paid by the insured without prior coordination (e.g. companion accommodation abroad), reimbursement of certain costs requires prior agreement with Gjensidige; otherwise the insured may pay costs themselves and submit original receipts on return for reimbursement.
Purchase while abroad
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.
Chronic conditions
Chronic disease exacerbation is defined as the sudden onset/worsening of symptoms characteristic to the chronic condition requiring emergency medical care, and is covered up to 1500 euros.
Pregnancy
Unexpected pregnancy complications arising before the 32nd week of pregnancy that require emergency medical care are covered up to 1500 euros.
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 is excluded.
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.
Where to buy
Documents
Travel Insurance Terms and Conditions RK101-2019
Terms & conditions
Travel Insurance Terms and Conditions RK112-2016 (superseded, valid for contracts before 05.03.2019)
Terms & conditions
Travel Insurance product page
Other document
Travel claims guidance page
Other document
Summary of exclusions and limitations (RK101-2019)
Other document
Policy specifics
Medical Assistance (Mandatory)
Medical assistance coverage is an integral and mandatory part of every travel insurance policy
SourceSource no longer reachableTerrorism Coverage (Optional Add-on)
Optional terrorism protection that can be added to medical assistance coverage
SourceSource no longer reachableCOVID-19 Coverage
Coverage for COVID-19 related medical treatment expenses abroad or trip cancellation due to COVID-19, applicable to policies concluded from 07.02.2023 onwards
SourceSource no longer reachableTrip Cancellation and Interruption
Optional coverage for trip cancellation, delay, and interruption due to illness, accident, or other specified reasons
SourceSource no longer reachableBaggage Insurance
Optional coverage for baggage loss, theft, delay, or damage during travel
SourceSource no longer reachableTrip Must Start and End in Estonia
Travel insurance coverage is valid only for trips that both begin and end within Estonia
SourceSource no longer reachableMedical Assistance Arranged Through Partner
When emergency medical help is needed, contact must be made with partner assistance company APRIL LIETUVA ASSITANCE UAB to arrange direct payment guarantee to the medical facility
SourceSource no longer reachablePre-Existing Condition Awareness Exclusion
Medical expenses are not covered if the insured person was aware or should have been able to foresee that medical assistance would be needed during the trip before the insurance took effect
SourceChronic Disease Exacerbation Definition
Chronic disease exacerbation is defined as sudden onset or worsening of symptoms characteristic to the chronic condition requiring emergency medical care
SourceSource no longer reachableSources
- https://www.gjensidae.ee/eraklient/reisikindlustus/mis-on-reisikindlustusSource no longer reachable