CIG Pannonia Life Insurance Plc.
CIG Pannónia
CIG Pannónia is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
The Insurer settles costs directly with the service provider (cashless) wherever possible; if the insured pays for medical care or other covered services abroad out of pocket, the amount is reimbursed in HUF after return to Hungary, based on original invoices and required documentation.
Geographic scope
Europe (30 listed EEA countries and Switzerland) as the base scope; optionally worldwide (excluding USA/Canada/Australia/New Zealand) with the 'World' surcharge; optionally worldwide including those four countries with an additional surcharge.
Coverage generally excludes Hungary, except for the roadside assistance and vehicle-transport benefits, which also apply within Hungary beyond 50 km from the driver's registered address.
Unique selling points
- The Iránytű package family offers accident/illness coverage of up to HUF 100,000,000 across Europe and worldwide destinations.
- Unlimited (uncapped) cost coverage for medically necessary repatriation to Hungary and for transport of remains, in every package variant.
- 24/7 Hungarian-language assistance hotline for emergency medical, roadside, and travel assistance needs.
- 50% premium discount for children under 18 travelling with an adult, while they still receive 100% of the policy benefits.
- Dedicated package variants tailored to car travel (with roadside assistance) and air travel (with flight delay/cancellation benefits), each optionally combinable with trip cancellation protection.
Coverage limits
Medical expenses abroad (sudden illness and accident)
HUF 25,000,000 – HUF 100,000,000
Reimbursement of medical costs abroad due to sudden illness or accident, ranging from HUF 25,000,000 (EU package) up to HUF 100,000,000 depending on the selected package tier.
Emergency medical treatment
HUF 25,000,000 – HUF 100,000,000
Costs of emergency medical examination and treatment abroad are covered within the overall medical expense sum insured (§10.1.1–10.1.2), ranging HUF 25,000,000–100,000,000 depending on package.
Hospitalization abroad
HUF 25,000,000 – HUF 100,000,000
Costs of hospital treatment abroad are reimbursed within the overall medical expense sum insured, not as a separate sub-limit (§10.1.3).
Outpatient medical treatment
HUF 25,000,000 – HUF 100,000,000
Costs of outpatient medical examination and treatment abroad are covered within the overall medical expense sum insured (§10.1.1).
Emergency dental treatment
€200
Emergency dental treatment for pain relief, up to 2 teeth, capped at EUR 200 per tooth, identical across all package tiers (§10.1.11).
Local medical transport to doctor/hospital
Covered
Ambulance or taxi transport to a doctor or hospital abroad is arranged and paid for by the Insurer when the insured is unable to travel independently; no separate sum insured is stated (marked as included, '+', in the benefits table) (§13.2).
Medical evacuation/repatriation to Hungary
unlimited
Costs of transporting the sick or injured insured to a healthcare facility in Hungary, organized by the Insurer (with medical escort if needed), are covered without limit (§12.1).
Repatriation of remains
unlimited
In case of death of the insured abroad, the Assistance Service arranges transport of the remains to Hungary, and the Insurer pays these costs without limit (§12.2).
Search, rescue and evacuation costs
HUF 1,500,000 – HUF 5,000,000
Search, rescue and evacuation costs (including helicopter rescue) are covered up to HUF 1,500,000 in the EU package and HUF 5,000,000 in the other packages (§13.3).
COVID-19 treatment
HUF 25,000,000 – HUF 100,000,000
Ha a Biztosított rendelkezik védettségi igazolvánnyal, a Biztosító 100 millió forintos összeghatárig (CIG Pannónia Iránytű EU csomag esetében 25 millió Ft-os összeghatárig) téríti a koronavírus megbetegedés miatti ellátás, illetve a betegszállítás extra költségeit.
Pre-existing condition worsening
HUF 5,000,000 – HUF 20,000,000
Medical costs arising from sudden, unforeseeable worsening of a condition diagnosed/treated before the first day of cover are reimbursed up to a reduced sub-limit: HUF 5,000,000 (EU package) to HUF 20,000,000 (other packages) (§10.1.15).
Winter/amateur sports accident cover (Sport surcharge)
HUF 5,000,000 – HUF 20,000,000
Upon payment of the Sport surcharge, medical costs of accidents during amateur sports activity (including on-piste winter sports) are covered up to HUF 5,000,000 (EU package) or HUF 20,000,000 (other packages) (§8.6, §19.2).
Adventure/amateur sports accident cover (Sport surcharge)
HUF 5,000,000 – HUF 20,000,000
Upon payment of the Sport surcharge, medical costs of accidents during amateur (or, for under-18s, competitive) sports activity not listed as excluded are covered up to HUF 5,000,000 (EU package) or HUF 20,000,000 (other packages) (§8.6, §19.2).
Pregnancy complications (miscarriage/premature birth)
HUF 25,000,000 – HUF 100,000,000
Medical and hospital costs related to spontaneous miscarriage or premature birth occurring up to the 28th week of pregnancy are covered within the overall medical expense limit (§10.1.12).
Personal liability abroad
HUF 1,500,000
Only in CIG Pannónia Iránytű Utasbiztosítás, CIG Pannónia Iránytű Utasbiztosítás repülős utakhoz, CIG Pannónia Iránytű Utasbiztosítás autós utakhoz, CIG Pannónia Iránytű Utasbiztosítás útlemondás védelemmel, CIG Pannónia Iránytű Utasbiztosítás repülős utakhoz útlemondás védelemmel, CIG Pannónia Iránytű Utasbiztosítás autós utakhoz útlemondás védelemmel
Covers costs the insured is legally obliged to pay for bodily injury caused to a third party abroad, up to HUF 1,500,000, in all packages except the EU package, where it is not available (§15.1–15.2).
Legal assistance / bail costs abroad
HUF 1,000,000 – HUF 2,000,000
Covers legal defense costs and bail-type deposits arising from a misdemeanor or negligent criminal offense committed abroad during the policy term, up to HUF 1,000,000 (EU package) or HUF 2,000,000 (other packages) (§14.5).
24/7 assistance hotline
Covered
A Hungarian-language Assistance Service is available around the clock at (+36 1) 486 4333 for emergency medical, roadside and travel assistance needs, included in every package.
Key conditions
Assistance call deadline
The insured/policyholder must notify the Assistance Service without delay, and at the latest within 48 hours of the insured event (where objectively possible), via the 24/7 hotline (+36 1 486 4333) (§24.1.1, §13.2). Shorter deadlines apply for specific claims: 2 days for trip cancellation claims (§17.4) and 5 days for liability claims (§15.3.2).
Unauthorized treatment
Costs of treatment, hospitalization, repatriation, or roadside assistance arranged without the Insurer's or Assistance Service's prior consent are not reimbursed (§12.3, §16.5, §21.2.5, §24.4). If failure to notify within the required deadline makes it impossible to establish circumstances material to the claim, the Insurer's obligation to pay does not arise (§24.2).
Purchase while abroad
The policy is normally concluded in Hungary before departure. It may only be purchased while the insured is already abroad if the insured travelled out under a valid Iránytű policy and wishes to extend that existing cover; the combined original and extended term may not exceed the general duration limits (§4.3, §5.1).
Chronic conditions
Costs related to a chronic or pre-existing illness that was foreseeably going to require treatment during the trip are excluded, unless a sudden, unforeseeable worsening occurs that requires immediate medical care abroad – in which case reduced sub-limits apply (§10.1.15, §21.2.1).
Pregnancy
Routine pregnancy care, prenatal check-ups, obstetric care and termination of pregnancy are excluded. Medical/hospital costs related to spontaneous miscarriage or premature birth occurring up to the 28th week of pregnancy are covered (§10.1.12, §21.2.11).
Pre-existing condition exclusions
Medical costs arising from a condition diagnosed and/or treated before the first day of cover are only reimbursed up to a reduced sub-limit (HUF 5,000,000 in the EU package, HUF 20,000,000 in the other packages) and only where a sudden worsening requires immediate treatment; foreseeable/plannable treatment of such conditions remains excluded (§10.1.15, §21.2.1).
Coverage duration limit
The policy term is fixed, minimum 1 day and maximum 1 year. If the insured has reached or will reach age 80 during the term, the maximum duration is 30 days. Online-concluded contracts are limited to a maximum of 27 days for any age. Trips to the USA, Canada, Australia or New Zealand are limited to a maximum of 30 days (§5.1).
Where to buy
Policy specifics
World coverage as optional add-on
Coverage extends to USA, Canada, Australia, and New Zealand upon payment of additional premium (World add-on)
SourceTrip cancellation protection
Trip cancellation coverage available as optional package variant for car and flight travel
SourceVehicle roadside assistance
Eight types of roadside vehicle assistance services available for trips by car or motorcycle, including towing, on-site repairs, accommodation, breakdown, rental car, and fuel costs
SourceEmergency medical repatriation
Insurer provides transport of sick/injured insured to Hungarian healthcare facility, with medical escort or nurse if needed, per Section 12.1 of conditions
SourceAge-based contract duration restriction
Insured persons aged 80 or over can only purchase coverage for maximum 30 days duration
SourceAutomatic contract extension for medical reasons
If medical event requires forced foreign stay, insurance duration automatically extends until insured returns to Hungary or organized repatriation occurs
SourceMandatory assistance service notification
Insured must notify assistance service at (+36 1) 486 4333 immediately in case of urgent medical care need; failure to do so limits reimbursement to approx. EUR 300
SourceBase territorial scope
Coverage applies to travel outside Hungary to European and non-European destinations up to 100 million HUF accident/disease limit
SourceWar, civil conflict, and uprising exclusion
Coverage explicitly excludes events directly related to war, civil war, armed conflict, uprising, rebellion, riot, or strife
SourceForeign ministry travel warning exclusion
Coverage does not apply if insured travels to a destination against explicit Hungarian Foreign Ministry advice, and resulting event is directly related to such travel
Source