Εθνική Ασφαλιστική Travel insurance (Amesi Iatriki Voitheia)

The product 'Άμεση Ιατρική Βοήθεια' does not cover general medical treatment or pharmaceutical expenses. Coverage is limited to coordination and transport services (medical evacuation, return to permanent residence, repatriation of remains, 24/7 assistance line, interpreter and translation services). Direct medical treatment costs are not within scope.

Direct emergency medical treatment costs are not covered by this product. The product covers coordination of medical transport to an appropriate medical facility in case of accident or sudden illness, but does not pay the hospital or physician fees at destination.

Hospitalization costs themselves are not covered. Coverage is limited to coordination of transport services triggered by hospitalization (e.g., return of travel companions, visit by a relative if hospitalization exceeds 5 days, medical file translation). The policy does not reimburse hospital room, treatment or surgery costs.

Outpatient treatment costs are not within the scope of this product. The product exclusively provides assistance and coordination services related to medical transport and repatriation.

Emergency dental treatment is not mentioned as a covered benefit in this product. The IPID does not include dental expenses in the list of covered items.

Covers the cost of medical transport (evacuation) of the insured to an appropriate hospital when medically necessary due to accident or sudden illness during travel. Also covers return to permanent residence after hospitalization by non-standard medical transport, and return by standard transport after hospital discharge following a travel accident. Coverage of return of non-injured traveling family members to the insured's permanent residence when the insured is hospitalized due to a travel accident.

Covers medical evacuation of the insured to an appropriate medical facility when deemed medically necessary due to accident or sudden illness during travel. The coordination center of the contracted provider must be contacted first. Primary evacuations and rescue services are explicitly excluded.

Covers repatriation of the insured's remains in the event of death occurring during travel abroad. If direct organization of remains transport by the contracted provider is not possible for any reason, the provider is obliged to assume retrospective indemnification. Excluded: transport of remains to a third country, airport-to-burial-site transport costs, and burial expenses.

Primary evacuations and rescue services are explicitly excluded from this product. The IPID states: 'Οι πρωτογενείς διακομιδές και υπηρεσίες διάσωσης' are not covered.

COVID-19 treatment is not mentioned in this product's IPID (dated April 2019, prior to the pandemic). No COVID-19 specific coverage is evidenced in the available source documents for this product.

Pre-existing bodily injury or illness and any complications that existed at the time of insurance inception are explicitly excluded. The policy states: 'Προγενέστερη σωματική βλάβη ή ασθένεια και οι τυχόν επιπλοκές που υπήρχαν κατά την σύναψη της ασφάλισης.'

Winter sports are not mentioned as a covered activity in this product. The IPID does not reference any winter sports extension or add-on.

Adventure sports are not mentioned as covered. Racing events are explicitly excluded. Participation in military exercises, illegal criminal activities, and speed races are listed as exclusions.

Pregnancy and childbirth are explicitly excluded from coverage. The IPID states 'Κύηση και τοκετό' as a non-covered item.

Personal liability is not part of this product. The product scope is limited to direct medical assistance services (transport, repatriation, coordination, interpreter services). No liability coverage is mentioned in the IPID.

Legal assistance is not included in this product. The IPID does not reference any legal assistance coverage.