Alfa Vienna Insurance Group Biztosító Zrt.

Assistance call deadline

Insured events must be reported to the assistance provider's 24/7 hotline (+36-1-477-4900) without delay, and at the latest within 24 hours of the event where objectively possible.

Unauthorized treatment

If a service was used without prior organization or approval by the insurer or assistance provider (for reasons attributable to the insured), the insurer does not reimburse the resulting extra costs; if the correct surcharge was not paid at inception, the insurer pays only in proportion to the premium actually due versus the premium paid.

Purchase while abroad

If the contract is concluded while the insured is not in their country of permanent residence, cover can start at the earliest at 00:00 on the day after conclusion, and only with the insurer's prior consent.

Chronic conditions

A pre-existing chronic illness is covered only if it required no treatment in the 12 months before the policy was concluded, the insured was under 70, and the treating specialist gave written consent to travel; emergency treatment of such conditions is reimbursed up to HUF 5,000,000 (Arany)/HUF 10,000,000 (Platina) — not available on Ezüst.

Pregnancy

Pregnancy-related check-ups, obstetric care, and termination-related procedures are covered up to the end of the 27th week of pregnancy, provided they are unforeseeable and the treating specialist gave written consent to travel.

Pre-existing condition exclusions

Costs known or foreseeable before the trip or policy inception, and conditions/injuries already existing before the trip or inception, are excluded, except for a chronic illness meeting the 12-month treatment-free / under-70 / specialist-consent conditions; chronic illness of an insured aged 70 or older is always excluded.

Coverage duration limit

Single-trip cover runs for a fixed period stated in the policy, up to 90 days without the insurer's prior consent; the insurer automatically extends cover (up to 15 days) if the insured cannot return home due to an insured event. Annual passes allow stays of up to 30 days per trip (insured must be under 70 at inception); annual student passes allow stays of up to 180 days per trip (insured must be under 30 at inception).

Winter sports add-on (SZLALOM)

Optional add-on coverage for skiing, snowboarding, and designated winter sports activities with specific terrain limitations and equipment coverage

Active sports add-on (AKTÍV)

Optional add-on providing coverage for diving and active sports equipment damage, including named technical items, with diving depth and oxygen pressure limits

COVID-19 add-on coverage

Optional add-on for COVID-19 infection-related emergency medical costs and repatriation during travel; separate package available in addition to base product coverage

Vehicle assistance add-on

Optional add-on providing roadside assistance, vehicle recovery, and accommodation support in case of vehicle breakdown during travel

Ski pass refund (SZLALOM only)

Time-proportionate refund of unused ski lift and track pass fees when insured event occurs during SZLALOM coverage, minimum 3 days of unused pass required

COVID-19 optional extension (epidemic repatriation & quarantine costs)

Base emergency medical treatment, patient transport and repatriation costs due to a COVID-19 infection are already included in the base product (HUF 5M/15M/25M by tier). This optional rider additionally covers costs of an immediate return home ordered due to an epidemic emergency, and extra costs from quarantine measures (HUF 100k/150k/250k per benefit by tier).

Named tech-item add-on (Kütyü Plusz)

Optional add-on raising the per-item baggage limit for named technical items (camera, camcorder, tablet, laptop, navigation device, mobile phone) to HUF 250,000 (Arany) / HUF 300,000 (Platina); not available on Ezüst.

Chronic disease pre-declaration requirement

Insured person with chronic disease must declare condition before travel; insurer covers emergency treatment but may apply restrictions

Assistance provider authorization requirement

All emergency medical services and repatriation must be arranged through authorized assistance providers (SOS Assistance Hungary, Help24 Assistance). Direct treatment without prior authorization may not be reimbursed.

Annual insurance age limit

Annual pass holders must not have reached age 70 at the time of risk commencement (policy inception)

Language interpretation fee coverage

Insurer reimburses documented interpretation/translation costs arranged by assistance provider when local language knowledge is necessary due to insured event, up to service table limits

Document replacement and reissuance service

Assistance provider arranges replacement of lost or destroyed travel documents (passport, ID, etc.); insurer covers reasonable costs up to service table limits

Chronic disease coverage conditions

A pre-existing chronic condition is covered only if: it required no treatment in the 12 months before the policy was concluded; the insured was under 70; and the treating specialist gave written consent for the trip. The terms do not require a separate pre-declaration to the insurer.