AS LHV Kindlustus
LHV
LHV is a travel insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
For medical assistance claims, LHV arranges and directly coordinates hospital treatment, repatriation and burial/cremation services with medical institutions abroad; costs are reimbursed only if pre-approved by LHV.
Geographic scope
Trips starting from Estonia to foreign destinations worldwide
Policyholder selects one of four zones at purchase: Europe (geographically European countries, excluding Russia); Europe+ (Europe plus the Canary Islands, Madeira, Azores, Israel, Turkey, Egypt, Tunisia, Morocco, Georgia, Armenia, Azerbaijan and the European part of Russia); World excluding the USA, Australia and Canada; or the entire World.
Unique selling points
- LHV directly arranges and coordinates hospital treatment, repatriation and burial/cremation abroad with medical institutions, rather than leaving the traveller to pay and claim back.
- Cover automatically extends by 48 hours at no extra cost if the trip is delayed by an insured event.
- An extended 'Europe+' territorial option adds destinations such as Turkey, Egypt, Morocco, Israel, Georgia and the Canary Islands beyond a standard Europe zone.
- Optional COVID-19 protection covers both treatment costs and quarantine-related extra accommodation and rebooking costs up to 1,500 EUR.
- A dedicated 'Sports cover' add-on protects both active sports pursued during the trip and physical work performed while travelling, areas many basic travel policies exclude.
Coverage limits
Medical expenses
Covered
No limit stated
Covers sudden and unavoidable medical treatment, prescription medicine and medical-aid costs incurred abroad during the trip; the exact sum insured is chosen by the policyholder at purchase and stated on the policy, not fixed in the terms.
Emergency medical treatment
Covered
No limit stated
Covers unavoidable emergency medical care abroad when the insured suffers a sudden deterioration of health or bodily injury requiring immediate treatment.
Hospitalization
Conditional
No limit stated
LHV arranges and coordinates the insured's hospital treatment abroad; LHV reimburses these costs only if they were pre-approved by LHV.
Outpatient treatment
Covered
No limit stated
Covers outpatient treatment, prescription medicine and dental care costs incurred abroad due to a medical assistance insured event.
Emergency dental treatment
€500
Covers dental first-aid costs, including examinations and medicine, from sudden toothache or an accident during the trip, up to 500 EUR; planned dental treatment is excluded.
Medical transport
Conditional
No limit stated
Covers transport costs to obtain medical assistance abroad; reimbursed only when pre-coordinated with LHV.
Medical evacuation / repatriation
Conditional
No limit stated
Covers transport of the insured back to the home country following a medical assistance event; LHV coordinates and must pre-approve the arrangement.
Repatriation of remains
Conditional
No limit stated
Covers burial costs abroad or the cost of transporting the deceased home; LHV arranges the service and reimburses costs only if pre-coordinated.
COVID-19 cover
€1,500
Optional cover for medical costs of a medically-confirmed COVID-19 infection during the trip (up to the chosen medical-assistance sum insured) and for trip-cancellation costs before or during the trip; if quarantined during the trip, additional accommodation and new return-ticket costs are covered up to 1,500 EUR.
Pre-existing conditions
No limit stated
Not addressed with a specific limit in the reviewed terms; planned treatment, rehabilitation and non-prescription medicine costs are excluded from cover.
Winter/active sports cover
€500
Optional 'Sports cover' add-on for active sports pursued during the trip; theft, sudden destruction or damage of sports equipment is reimbursed up to 500 EUR, and closure of a sports piste/facility due to an insured event pays up to 50 EUR per day per insured person.
Adventure/active sports cover
€500
Optional 'Sports cover' add-on covering active sports pursued during the trip, including cycling, skiing, running races, marathons, triathlons and related training camps; sports equipment loss/damage is reimbursed up to 500 EUR.
Pregnancy complications
Conditional
No limit stated
Covers unavoidable medical care needed due to an unexpected pregnancy complication up to the 35th week of pregnancy (inclusive); costs after week 35, childbirth and postnatal care are excluded.
Personal liability
Optional
No limit stated
Optional liability and legal-aid cover reimbursing bodily injury and property damage caused by the insured to third parties.
Legal assistance and bail
Optional
No limit stated
Optional cover for legal defence costs and bail (kautsjon) provided together with the liability and legal-aid protection.
24/7 emergency assistance line
Covered
LHV provides a round-the-clock claims/assistance line (+372 680 1122) to coordinate medical treatment abroad; general customer support is available weekdays 9:00-17:00 (+372 699 9111).
Key conditions
Assistance call deadline
If hospital treatment abroad is needed, the insured must call LHV's 24/7 line as soon as possible; where non-hospital care is needed, the insured may go directly to a licensed care provider.
Unauthorized treatment
LHV reimburses hospital treatment, repatriation and burial/cremation costs only if these services were coordinated with LHV in advance.
Purchase while abroad
The reviewed terms do not set out specific rules for purchasing this insurance while the policyholder is already abroad.
Chronic conditions
Chronic diseases are not addressed by a separate rule; the terms only exclude planned treatment, rehabilitation and alternative medicine costs, and psychiatric/behavioural disorders.
Pregnancy
Emergency medical care for an unexpected pregnancy complication is covered up to the 35th week of pregnancy (inclusive); childbirth and postnatal care are excluded.
Pre-existing condition exclusions
Not separately addressed in the reviewed terms; planned treatment, rehabilitation and non-prescription medicines are excluded from cover.
Coverage duration limit
The insurance period must cover the whole trip from start to end; if the trip is extended due to an insured event, cover automatically extends by 48 hours. Multi-trip (annual) cover is valid for one year with an unlimited number of trips.
Where to buy
Policy specifics
Medical assistance insurance
Covers sudden and unavoidable medical expenses incurred during a trip, including health injury or bodily injury treatment abroad
SourceTrip cancellation and interruption coverage
Covers damage caused by trip cancellation or interruption
SourceBaggage insurance
Covers damage caused by loss, theft, delay or damage to baggage during the trip
SourceCoverage period
Insurance period is a specified timeframe during which coverage is valid; must cover from trip start to trip end; single trip coverage up to 60 days maximum; recurring annual coverage with unlimited trips per year
SourceGeographic coverage area
Insurance covers trips originating from Estonia to foreign destinations worldwide, outside the policyholder's home country; Estonia exclusion applies (no coverage for events occurring in Estonia, except in specific trip interruption cases)
SourceDirect payment and claims handling
For medical assistance claims, LHV arranges and directly coordinates with medical institutions for hospital treatment, repatriation, and burial services; LHV covers costs only if previously coordinated
SourceInsured person age limits
Insured person must be up to 79 years old (inclusive) for card-linked travel insurance variants; specific age restrictions may apply
SourceMedical assistance exclusions
Excludes: medical expenses in Estonia, costs of non-prescription routine medicines, pregnancy/childbirth/abortion-related costs, tattooing, psychiatric/behavioral disorders, overdose or drug use, acts of public authorities, unlawful acts
SourceClaims handling procedure
Insured must notify LHV immediately of insured event; LHV makes decision on compensation within 10 business days of receiving all required documents; can be extended for justified reasons
Source