Allianz

Assistance call deadline

For medical emergencies abroad, if the expected cost exceeds 100,000 HUF, the insurer must be notified via the 24-hour Allianz Travel Assistance hotline as soon as possible depending on the insured's health condition. If the cost does not exceed 100,000 HUF and was settled abroad, notification must occur within 30 days of returning to Hungary (AHE-21496/32: within 5 working days of return). For travel assistance services (Section V) and baggage claims: within 30 days of return (AHE-21496/32: within 5 working days).

Unauthorized treatment

If the insured undergoes medical transport or repatriation without prior authorisation from the insurer, only costs considered reasonable will be reimbursed. Medically unconfirmed or non-medically indicated repatriation costs will not be reimbursed. The insurer processes emergency treatment cost assumption based on the available information within 1 working day of receiving feedback from the foreign medical institution.

Purchase while abroad

The insurance contract is only valid if the insured is present in Hungary at the time of purchase. If the insured is outside Hungary when the policy is concluded, the contract is null and void. The premium will be refunded. The policy can be purchased on the day of departure as long as the insured is still in Hungary.

Chronic conditions

Chronic diseases are covered only if the condition did not require hospital or outpatient treatment (excluding check-up visits) in the 12 months prior to travel, confirmed by the treating physician's written certificate. If this condition is not met, coverage does not apply. Coverage limit: Silver 1,000,000 HUF; Gold 5,000,000 HUF; Platinum 15,000,000 HUF.

Pregnancy

Pregnancy-related emergency costs: weeks 1–27 covered within the standard medical limit; weeks 28–35 covered up to a separate lower limit (Silver 1,000,000 HUF; Gold 3,000,000 HUF; Platinum 5,000,000 HUF); from week 36 onwards no coverage. High-risk pregnancy and termination are explicitly excluded.

pre_existing_conditions

Pre-existing conditions (known and diagnosed chronic illnesses) are only covered if they did not require hospital or outpatient treatment in the 12 months before travel. Coverage requires official documentation (e.g. medical records, GP/treating physician certificate). Regular check-up visits do not disqualify coverage. If the insured failed to follow treating doctor's instructions during the prior 12 months, coverage is also excluded even without prior treatment.

coverage_duration_limit

Standard Útitárs, Téli Sportok, and Extrém Sportok insurances can be purchased for a minimum of 1 day and maximum of 90 days per trip. Útitárs XL: 4 to 12 months. Útitárs Bérlet: 4 to 12 months contract period, but coverage is limited to a maximum of 30 days per individual trip abroad. Útitárs Bérlet, Útitárs XL, Téli Sportok, and Extrém Sportok are only available to insured persons under 70 years of age at the start of coverage.

Emergency medical care expenses

Coverage for medical examination, outpatient and inpatient care, medications, and ambulance transport for accidents or unforeseen illnesses during travel

Healthcare assistance service

24-hour assistance service providing information on emergency care options and organizing patient transport back to Hungary

Three-tier package selection

Coverage available in three insurance packages: Silver, Gold, and Platinum with different service scope and coverage amounts

Age-based eligibility and coverage limits

Coverage varies by age; after age 70, emergency care is limited by policy; over age 80, certain geographic areas are excluded from coverage

Geographic coverage areas and surcharge zones

Base coverage includes Europe and Turkey. World coverage available with surcharge for countries outside Europe. Specific countries and regions excluded from coverage

Trip duration constraints

Útitárs standard coverage: 1-90 days per trip. Útitárs XL: 4-12 months with monthly premiums. Útitárs Bérlet: up to 30 days per trip within 4-12 month contract period

Pre-existing condition exclusion

Chronic illness requiring treatment within 12 months prior to travel is excluded from coverage