Alfa
Alfa is a travel insurance for the HU market with online purchase and 24/7 assistance.
Direct payment
The insurer pays organized or pre-approved medical and hospital costs directly to the provider; all other reimbursable costs are paid to the insured in HUF (foreign-currency invoices converted at MNB mid-rate on payment date). If treatment was obtained without Assistance organization or approval, extra costs are not covered.
Geographic scope
worldwide
Alap: Európa (pótdíj nélkül: Ciprus, Kanári-szigetek, Madeira, Málta, Oroszország és Törökország európai területei is). Pótdíjjal: egész világ (kivéve állandó lakóhely szerinti ország). USA/Kanada/Új-Zéland/Ausztrália: +500%; egyéb Európán kívüli: +50%. Éves bérlet: Ausztrália, Kanada, USA, Új-Zéland kizárva még pótdíjjal sem.
Starting from
HUF 550
Unique selling points
- Medical emergency cover of up to 200,000,000 HUF (Platina) — well above the typical market minimum — including helicopter and mountain rescue within a single unified limit.
- COVID-19 emergency medical treatment and repatriation is built into all base tiers as a standard inclusion, not an optional add-on, covering up to 25,000,000 HUF on the Platina tier.
- Repatriation of mortal remains and repatriation of the sick/injured insured are both covered at actual cost with no upper limit, eliminating the most common gap in budget travel policies.
- 24/7 Hungarian-language telephone assistance and medical advice is available from anywhere in the world for every tier, with two dedicated assistance partners (SOS Assistance and Help24).
- The policy can be purchased and activated online up to the day of departure (same-day cover possible when the insurer is notified of the exact start time), enabling last-minute protection without agency visits.
Coverage limits
Emergency medical expenses (accident/illness)
Covered
Organization and reimbursement of emergency medical treatment, mountain/helicopter rescue, water rescue, and patient transport abroad while the insured is not yet in a condition to be repatriated. Ezüst: 30,000,000 HUF; Arany: 100,000,000 HUF; Platina: 200,000,000 HUF per person per insured event.
Emergency medical treatment (accident/illness)
Covered
Same limit as medical_expenses; emergency medical treatment is defined as an immediate, unavoidable medical intervention whose omission would endanger the life or physical integrity of the patient or cause further serious health damage. Ezüst: 30,000,000 HUF; Arany: 100,000,000 HUF; Platina: 200,000,000 HUF.
Hospital daily allowance (hospitalization benefit)
Conditional
A daily hospital benefit is paid if the insured is hospitalized due to accident or illness AND at least 65% of justified hospital costs are covered by the European Health Insurance Card or another insurance policy. Arany: 15,000 HUF/day (max 15 days); Platina: 20,000 HUF/day (max 15 days). Ezüst: not covered. Admission and discharge days are excluded.
Outpatient emergency treatment
Covered
Covered within the general emergency medical expenses limit. Outpatient emergency treatment is included as part of the accident/illness emergency medical coverage. Limits: Ezüst 30,000,000 HUF; Arany 100,000,000 HUF; Platina 200,000,000 HUF.
Emergency dental treatment
Covered
Covers urgent dental treatment that alleviates or eliminates acute pain arising unexpectedly during the insurance period abroad. Ezüst: 100,000 HUF; Arany: 150,000 HUF; Platina: 200,000 HUF per person per insured event.
Medical transport (patient transport abroad)
Covered
Organization and cost reimbursement of justified foreign transport of the injured or ill insured, including ambulance, helicopter, aircraft, or other special means, as part of the general emergency medical expenses limit. Covered at actual cost.
Medical repatriation (evacuation to Hungary)
Covered
Organization and cost reimbursement of the repatriation of a sick or injured insured to their permanent Hungarian address. Cost is reimbursed at actual cost (no limit stated). Included for all tiers.
Repatriation of mortal remains / foreign burial
Covered
Organization and cost reimbursement of repatriation of the insured's mortal remains to their country of permanent residence, or alternatively the costs of foreign burial. Covered at actual cost (no limit) for all tiers.
Search and rescue
Covered
In case of sudden disappearance of the insured due to accident or illness (e.g. avalanche, flash flood, fall), the Assistance provider organizes the search and rescue and transport to a safe location. Ezüst: not covered; Arany: 500,000 HUF; Platina: 2,000,000 HUF. With SZLALOM add-on: additional 1,000,000 / 2,000,000 / 3,000,000 HUF (Ezüst/Arany/Platina).
COVID-19 emergency medical treatment and repatriation
Covered
Built-in basic coverage for COVID-19: organization and cost reimbursement of emergency medical treatment, patient transport, and repatriation due to COVID-19 infection. Ezüst: 5,000,000 HUF; Arany: 15,000,000 HUF; Platina: 25,000,000 HUF. Additional quarantine-related accommodation and travel costs: Arany 250,000 HUF; Platina 350,000 HUF. Optional COVID-19 add-on available for epidemic emergency evacuation and quarantine extra costs.
Pre-existing chronic disease (emergency treatment only)
Conditional
Pre-existing chronic diseases are covered ONLY if: (1) the disease required NO treatment in the 12 months prior to policy inception, (2) the insured has NOT yet turned 70 years of age at the trip start date, and (3) the treating specialist has given written consent for the trip. Coverage is limited to emergency medical treatment only. Arany: 5,000,000 HUF; Platina: 10,000,000 HUF. Ezüst: not covered. Costs related to chronic diseases requiring treatment in the preceding 12 months, or for insureds aged 70+, are explicitly excluded.
Winter sports add-on (SZLALOM)
Optional
Optional SZLALOM add-on extends coverage to accidents during skiing, snowboarding, sledding, and skating on designated/open public slopes and areas. Includes enhanced search-and-rescue limits, ski-pass refund, ski equipment coverage within baggage limit, and skier's liability. Standard exclusions (off-piste, halfpipe, freeride, freestyle parks) still apply unless Platina tier chosen (Platina extends to publicly open off-piste areas). Extra daily premium: Ezüst 670 HUF/day; Arany 940 HUF/day; Platina 1,190 HUF/day.
Adventure/active sports add-on (AKTÍV)
Optional
Optional AKTÍV add-on extends coverage to recreational cycling (with helmet on designated routes), recreational fishing, and scuba diving (to 56m with gas mix; 18m limit in standard policy). Includes equipment coverage for bicycle, diving gear, and fishing equipment within the baggage limit. Extra daily premium: Ezüst 660 HUF/day; Arany 900 HUF/day; Platina 1,150 HUF/day.
Pregnancy complications (up to end of week 27)
Conditional
Pregnancy-related conditions are covered as an insured illness event up to the end of the 27th week of pregnancy, provided: the complication was unforeseeable, and the insured's specialist gave written consent for the trip. Routine check-ups not covered; only unexpected emergencies. No separate monetary limit – covered within the general emergency medical expenses limit.
Personal liability insurance
Covered
Covers emergency medical treatment, funeral and repatriation costs of an injured third party if the insured causes an accident for which they are liable under Hungarian law (excluding motor vehicle operation liability). Ezüst: 500,000 HUF; Arany: 3,000,000 HUF; Platina: 11,000,000 HUF. Hotel property liability also included (Arany: 150,000 HUF; Platina: 250,000 HUF). Intentional damages and MTPL-covered damages excluded.
Legal assistance (legal protection)
Covered
In case of criminal proceedings initiated against the insured for a misdemeanor or negligent offense during the trip, the insurer reimburses attorney fees, court fees, and expert costs. One free legal consultation organized by Assistance. Bail advance also included (Arany: 500,000 HUF; Platina: 1,000,000 HUF). Legal costs: Ezüst: not covered; Arany: 2,000,000 HUF; Platina: 4,000,000 HUF.
24/7 telephone assistance and medical consultation in Hungarian
Covered
The Assistance provider (SOS Assistance Hungary Kft. and Help24 Assistance Kft.) operates a 24/7 telephone assistance line callable from both Hungary and abroad. Hungarian-language medical consultation included. Phone number: +36-1-477-4900. Available in all tiers (Ezüst, Arany, Platina).
Key conditions
Assistance call deadline
Insurance events must be reported to the Assistance provider's 24/7 line (+36-1-477-4900) immediately and at the latest within 24 hours of the event, provided it is objectively possible. In case of an obstacle, the report must be made immediately after the obstacle ceases. Baggage theft/robbery must additionally be reported to the local police within 48 hours.
Unauthorized treatment
If treatment was obtained abroad without the organization or approval of the insurer or Assistance provider (due to the insured's fault), the insurer does not cover the resulting extra costs. Only life-saving emergency treatment may be reimbursed even without prior approval.
Purchase while abroad
If the policy is concluded while the insured is already abroad (not at their permanent country of residence), cover can start at the earliest on the day following conclusion at 00:00, provided the insurer has given prior consent. The insurer may limit the duration of cover at inception.
Chronic conditions
Pre-existing chronic diseases are covered (emergency treatment only, Arany/Platina) only if: (1) the disease required no treatment in the 12 months before policy inception; (2) the insured has not yet turned 70; and (3) the treating specialist gave written consent for the trip. Costs of chronic conditions requiring treatment in the preceding 12 months and costs arising from chronic disease in insureds aged 70+ are explicitly excluded.
Pregnancy
Pregnancy is covered as an insured illness event up to the end of the 27th week, provided the complication was unforeseeable and the specialist gave written consent for the trip. Routine prenatal check-ups, elective procedures, and planned interventions are not covered.
pre_existing_conditions
Costs related to conditions the insured knew about or should have known about before the trip or policy inception are not covered. Conditions existing before inception but not treated in the preceding 12 months may be covered (emergency only) if aged under 70 and specialist consent obtained. All other pre-existing conditions, rehabilitation, convalescence, and elective non-emergency treatments are excluded.
coverage_duration_limit
Maximum insurance period per trip: 90 days (longer only with prior insurer consent). Annual pass holders: maximum 30 days per single stay abroad. Student annual pass: maximum 180 days per stay. The policy automatically extends if the insured cannot return on time due to an insured event (Assistance-organized repatriation), up to a maximum of 15 additional days at the policyholder's request.
Where to buy
Documents
Policy specifics
Terrorism coverage
Coverage for emergency medical costs and repatriation in case of terrorist attack
COVID-19 coverage
Coverage for emergency medical costs and repatriation due to COVID-19 infection
Vehicle assistance coverage
Optional vehicle assistance services during travel
Age restriction for insured persons
Maximum age of 90 years for single trip insurance, 70 years for annual pass
Permanent residence requirement
Contracting party must have permanent residence in Hungary
Pre-existing chronic disease exclusion for seniors
For insureds aged 70+, illness coverage does not extend to pre-existing chronic diseases. For insureds under 70, pre-existing chronic disease emergency coverage is available only if the disease required no treatment in the preceding 12 months and specialist written approval was obtained.
War and conflict exclusion
Coverage does not extend to claims arising from war, invasion, foreign hostile acts, civil war, rebellion, riots, military insurrection, mutiny, or revolution
General health insurance requirement
To be covered as insured person, must have general health insurance coverage valid in Hungary