ERGO Insurance Single Member SA
ERGO Hellas
ERGO Hellas is a travel insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
Benefits are activated and coordinated exclusively through the ERGO Health Open Line (Ανοιχτή Γραμμή Υγείας), which operates 24/7. Insured persons must contact this line prior to arranging any medical services for benefits to apply. In the case of hospital care abroad, costs up to €6,000 per incident are covered. Doctor dispatch abroad is subject to a €25 deductible.
Geographic scope
Greece and international
Coverage applies for emergencies occurring more than 50km from permanent residence, both within Greece and abroad
Unique selling points
- ERGO Life Assistance is included free of charge with all ERGO Health Care hospital insurance plans, delivering international travel medical assistance at no extra premium.
- The dedicated ERGO Health Open Line operates 24/7 and serves as the single point of contact to activate all travel assistance benefits, including medical transport and repatriation.
- Hospital care abroad is covered up to €6,000 per incident, with full medical repatriation and transport of a designated companion to the hospitalisation site included.
- Repatriation of remains is covered up to €1,840 within Europe and up to €3,670 worldwide, providing comprehensive end-of-life assistance abroad.
- Coverage extends to both domestic Greek travel and international trips, activating whenever an emergency occurs more than 50km from the insured's permanent residence.
Coverage limits
Medical Expenses Abroad
Conditional
The program is provided free of charge to all insured persons with hospital care (νοσοκομειακή περίθαλψη) programs. A specific aggregate limit for general medical expenses is not published separately; hospitalization abroad is covered up to €6,000 per incident.
Doctor Dispatch Abroad (Emergency Medical Treatment)
Covered
Doctor dispatch to a foreign location is covered, subject to a €25 deductible per call-out. Activation requires prior contact with the ERGO Health Open Line.
Hospitalization Abroad
€6,000
Hospital care abroad is covered up to €6,000 per incident. Coverage is active for emergencies occurring more than 50km from the insured's permanent residence.
Outpatient Treatment (via Doctor Dispatch)
Covered
Outpatient care is facilitated via doctor dispatch to the traveller's location abroad (with €25 deductible), and through the coordination of medical services by the ERGO Health Open Line. No separate published monetary ceiling for outpatient-only costs.
Emergency Dental
No limit stated
Emergency dental coverage is not listed among the published benefits of ERGO Life Assistance.
Medical Transport (Sanitary Transfer)
Covered
Sanitary (medical) transport is covered when the insured is located more than 50km from their usual place of residence. No separate monetary ceiling is published for this benefit.
Medical Repatriation / Evacuation from Abroad
Covered
Medical repatriation and/or transfer of the patient from abroad is covered, including transport of a designated companion to the place of hospitalisation. No separate monetary ceiling is published for this benefit.
Repatriation of Remains
€1,840 – €3,670
Transfer of the insured's remains is covered up to €1,840 for European countries and up to €3,670 for non-European countries. Also covers the return of other insured travellers.
Search and Rescue
No limit stated
Search and rescue is not listed among the published benefits of ERGO Life Assistance.
COVID-19 Treatment
No limit stated
COVID-19 specific coverage is not listed among the published benefits of ERGO Life Assistance.
Pre-existing Conditions
No limit stated
Coverage for pre-existing conditions is not explicitly listed among the published benefits of ERGO Life Assistance; the program covers emergency and acute incidents only.
Winter Sports Cover
No limit stated
Winter sports coverage is not listed among the published benefits of ERGO Life Assistance.
Adventure Sports Cover
No limit stated
Adventure sports coverage is not listed among the published benefits of ERGO Life Assistance.
Pregnancy Complications
No limit stated
Pregnancy complications coverage is not listed among the published benefits of ERGO Life Assistance.
Personal Liability (Third-Party Material Damage)
Covered
Personal liability for material damage caused to third parties is listed as a benefit under ERGO Life Assistance travel assistance. No specific monetary limit is published.
Legal Assistance (Advance for Court and Legal Costs)
Covered
An advance against judicial and legal costs is provided as part of the ERGO Life Assistance travel assistance benefits. No specific monetary ceiling is published.
24/7 Assistance (ERGO Health Open Line)
unlimited
The ERGO Health Open Line (Ανοιχτή Γραμμή Υγείας) operates 24 hours a day, 7 days a week, providing immediate medical care information, coverage details, network of affiliated physicians, diagnostic centres and clinics, and activating all Life Assistance benefits.
Key conditions
Assistance call deadline
The insured must contact the ERGO Health Open Line exclusively and prior to arranging any medical services or activating any benefit, to ensure services are coordinated and coverage applies.
Unauthorized treatment
Benefits are activated and coordinated exclusively through the ERGO Health Open Line. Services obtained without prior authorisation and coordination through this line may not be covered.
Purchase while abroad
ERGO Life Assistance is provided free of charge as a bundled benefit to all insured persons holding ERGO hospital care (νοσοκομειακή περίθαλψη) programs. It is not available as a standalone purchasable policy while abroad.
Chronic conditions
The program covers emergency and acute incidents. Coverage for chronic diseases is not explicitly referenced in the published benefits of ERGO Life Assistance.
Pregnancy
Pregnancy complications are not listed among the published benefits of ERGO Life Assistance.
Pre-existing condition exclusions
Coverage for pre-existing conditions is not explicitly listed. The program applies to emergency and acute incidents only.
Coverage duration limit
Coverage is linked to the duration of the underlying ERGO hospital care insurance policy. No separate per-trip day limit is published for Life Assistance benefits.
Policy specifics
Distance threshold from home
Coverage applies only for emergencies occurring at distance greater than 50km from permanent residence
SourceFree provision for health insurance customers
The program is provided free of charge to all insured persons with hospital care programs
SourceMedical repatriation and transportation
Covers medical transfer and/or repatriation of patient and transportation of designated person to hospitalization location
SourceDomestic and international travel
Coverage for movements within Greece and abroad, provided distance threshold from permanent residence is met
SourceMandatory assistance coordination
Contact with ERGO assistance center required prior to arranging medical services for benefits to apply
SourceSource no longer reachable