Colonnade Insurance S.A. Hungarian Branch
ATLASZ Direct
ATLASZ Direct is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
The insured must cooperate with and obtain prior consent from the ATLASZ Assistance helpline before arranging medical or other assisted services; the insurer then reimburses reasonable and justified costs. Claims are settled in HUF at the European Central Bank's mid exchange rate on the due date, within 15 days of receipt of the last document required to assess the claim.
Geographic scope
Selectable territorial scope chosen at inception: Europe, World 1 (worldwide excluding USA, Canada, Mexico and Caribbean countries), or World 2 (entire world).
'Europe' means geographic Europe plus Tunisia, Egypt, Algeria, Morocco, Turkey, the whole of Russia, the Canary Islands, Malta, Cyprus, Madeira and the Azores. Regardless of the chosen scope, cover does not extend to countries/regions classified by the Hungarian Ministry of Foreign Affairs as not recommended for travel, either on the first day of risk or on the day of entry.
Unique selling points
- The top Platina tier provides medical expense cover up to HUF 1,000,000,000 abroad for accident and illness, well above the Ezüst/Arany tiers.
- COVID-19 illness is treated the same as any other illness and covered up to the full medical expense limit of the chosen package, not as a separately capped or excluded risk.
- In the Platina tier, replacement of lost or stolen travel documents is reimbursed with no monetary sub-limit ('Limit nélkül').
- A 24/7, Hungarian- and English-language ATLASZ Assistance helpline coordinates emergency medical care and repatriation anywhere in the covered territory.
- Chronic illnesses that unexpectedly become acute during the trip are covered up to a dedicated sub-limit (HUF 1,000,000–10,000,000) rather than being outright excluded, subject to eligibility conditions.
Coverage limits
Medical expenses (accident and illness)
HUF 25,000,000 – HUF 1,000,000,000
Reasonable and justified medical expenses incurred abroad due to an accident or illness during the trip; the limit ranges from HUF 25,000,000 (Ezüst) to HUF 1,000,000,000 (Platina) depending on the chosen package.
Emergency medical/surgical/hospital treatment
HUF 25,000,000 – HUF 1,000,000,000
Covers emergency medical, surgical and inpatient treatment costs, and related transport, for up to 30 days from the start of treatment, within the overall medical expense limit of the chosen package (HUF 25,000,000–1,000,000,000).
Hospital daily allowance
HUF 10,000 – HUF 25,000
A daily cash benefit for each 24-hour period of inpatient (Fekvőbeteg) treatment abroad, up to 30 days, payable when treatment costs are settled via the insured's European Health Insurance Card; HUF 10,000/day (Ezüst) to HUF 25,000/day (Platina).
Outpatient/ambulatory treatment
HUF 25,000,000 – HUF 1,000,000,000
Not itemized as a separate sub-limit; outpatient emergency treatment is covered as part of the overall Sürgősségi Egészségügyi Ellátás (emergency healthcare) benefit under Section A, within the same HUF 25,000,000–1,000,000,000 medical expense limit.
Emergency dental treatment
HUF 100,000 – HUF 250,000
Covers emergency dental/oral surgery treatment limited to immediate pain relief during the trip; HUF 100,000 (Ezüst) to HUF 250,000 (Platina).
Emergency transport and rescue costs (including air ambulance)
HUF 25,000,000 – HUF 1,000,000,000
Covers emergency transport and rescue costs, including air ambulance, within the overall medical expense limit of HUF 25,000,000–1,000,000,000.
Repatriation of the patient (medical evacuation)
HUF 25,000,000 – HUF 1,000,000,000
Covers organized repatriation of the insured to Hungary when medically justified and arranged by ATLASZ Assistance, within the overall medical expense limit of HUF 25,000,000–1,000,000,000.
Repatriation of mortal remains
HUF 25,000,000 – HUF 1,000,000,000
Covers repatriation of the insured's mortal remains to Hungary, or the cost of burial/cremation abroad, within the overall medical expense limit of HUF 25,000,000–1,000,000,000.
Search and rescue costs
HUF 1,000,000 – HUF 5,000,000
Covers reasonable and justified costs of searching for and locating a person injured in an accident; HUF 1,000,000 (Ezüst) to HUF 5,000,000 (Platina).
COVID-19 illness treatment
HUF 25,000,000 – HUF 1,000,000,000
COVID-19 illness is treated the same as any other Betegség (illness) under Section A, provided it is confirmed by a doctor-validated coronavirus test, and is covered up to the same overall medical expense limit (HUF 25,000,000–1,000,000,000).
Chronic condition becoming acute during the trip
HUF 1,000,000 – HUF 10,000,000
Emergency treatment for a chronic condition that unexpectedly becomes acute or worsens during the trip is covered up to HUF 1,000,000 (Ezüst) – HUF 10,000,000 (Platina), only if the insured has not reached age 70 at the start of travel, required no hospital/outpatient treatment for that condition in the preceding 12 months, and the treating doctor issued written travel clearance within one week before departure.
Winter sports rider
Optional
Optional 'I' rider extending Sections A–F (medical, accident, baggage, liability, trip-interruption) at their normal package limits to listed winter sports (alpine skiing, snowboarding, ski touring, etc.). Also includes a ski-pass refund of HUF 30,000 (Ezüst) to HUF 75,000 (Platina) for accident/hospital-confirmed injury, piste-closure compensation, and, new in the 2025 edition, reimbursement of a cancelled ski course (HUF 100,000 Arany / HUF 150,000 Platina) and cover for blind/partially sighted skiers accompanied by a qualified guide. Not available to persons who have reached age 75 at the start of travel; risky/extreme winter activities remain excluded unless the 'J' rider is also purchased.
Extreme/hazardous & competitive sports rider
Optional
Optional 'J' rider extending Sections A–F at their normal package limits to designated hazardous/risky sports (e.g. bungee jumping, canyoning, diving up to 40m, mountain biking, horse riding) and to amateur competitive ('Verseny') participation in otherwise-recreational sports. Not available to persons who have reached age 65 at the start of travel; sports on the 'Kizárt' (excluded) list remain uncovered even with this rider.
Pregnancy-related medical complications
HUF 25,000,000 – HUF 1,000,000,000
Pregnancy-related medical complications are covered as an ordinary Baleset/Betegség medical expense within the standard package limit (HUF 25,000,000–1,000,000,000), but claims connected with the insured's pregnancy are excluded once gestation has passed the 28th week before or during the trip.
Private personal liability
HUF 500,000 – HUF 10,000,000
Covers third-party accidental bodily injury/death claims against the insured, HUF 500,000 (Ezüst) to HUF 10,000,000 (Platina); a separate, smaller sub-limit of HUF 50,000–250,000 applies to third-party property damage.
Legal assistance (legal defence costs, bail)
HUF 1,000,000 – HUF 5,000,000
Covers legal defence and procedural costs and bail/security deposits abroad in connection with misdemeanour or negligent criminal proceedings against the insured, or in enforcing personal-injury compensation claims arising from an accident; HUF 1,000,000 (Ezüst) to HUF 5,000,000 (Platina).
24/7 assistance helpline
Covered
A Hungarian- and English-language ATLASZ Assistance helpline (+36 1 460 1500) is available every day, around the clock, to provide immediate assistance and advice in the event of an accident or illness abroad.
Key conditions
Assistance call deadline
The insured must notify the ATLASZ Assistance helpline without delay and, in any case, within 2 working days of the insured event; if delay makes material circumstances undeterminable, the insurer's obligation may not arise.
Unauthorized treatment
If the insured arranges medical treatment, repatriation or other assisted services without ATLASZ Assistance's prior consent, the insurer's obligation still applies, but only reasonable and justified costs are reimbursed; the insured bears any excess cost caused by breaching the cooperation duty.
Purchase while abroad
The policy must in principle be concluded before departure from Hungary. A policy taken out after the trip has started, while the insured was already abroad, is invalid unless the insurer has specifically consented; premiums paid under an invalid policy are refunded.
Chronic conditions
Health conditions existing before the start of cover are excluded, unless the insured's chronic illness became acute during the cover period and the chosen package explicitly extends to such claims (sub-limit HUF 1,000,000–10,000,000), available only to insureds under age 70 at the start of travel, provided no hospital/outpatient treatment was needed in the preceding 12 months and the doctor issued written travel clearance within one week before departure.
Pregnancy
Claims connected with the insured's pregnancy are excluded if, before or during the trip, the pregnancy has passed the 28th week.
Pre-existing condition exclusions
Conditions already present before policy inception are pre-existing and excluded from cover, except for the limited 'chronic illness becoming acute' benefit (HUF 1,000,000–10,000,000, insureds under 70 only, subject to the 12-month/doctor-clearance conditions described above).
Coverage duration limit
Single-trip cover: maximum 120 days per trip. Annual multi-trip cover ('Éves Bérlet'): unlimited number of trips during the policy period, but no single trip may exceed 120 days. Insureds must not have reached age 80 at the start of travel (75 for the winter-sports rider, 65 for the extreme/competitive-sports rider); persons who have reached age 75 may not travel for more than 30 days.
Where to buy
Policy specifics
Medical expenses - accident
Coverage for medical expenses incurred due to accidents during foreign travel
SourceMedical expenses - illness
Coverage for medical expenses incurred due to illness during foreign travel
SourceTrip cancellation
Optional supplementary coverage for trip cancellation due to unforeseen circumstances such as illness or death of a relative
SourceEmergency medical repatriation
Coverage for emergency transportation and hospitalization costs for repatriation to Hungary when medical evacuation is necessary
SourceQuarantine accommodation costs
Coverage for additional accommodation costs if local authorities impose quarantine during travel
SourceCOVID-19 illness coverage
Full coverage up to policy limits for medical expenses and hospitalization resulting from COVID-19 infection
SourceAge limit for basic insured
Persons must not have reached 80 years of age at the start of travel
SourceResidency requirement
Insured must have permanent residence in Hungary at the time of policy purchase
SourceAlcohol intoxication exclusion
Insurer is not liable for claims related to insured's intoxication with blood alcohol concentration exceeding 0.8 g/l
SourcePre-existing health conditions exclusion
Claims are not covered for health issues existing before policy inception unless they become acute during coverage period and package includes such coverage
SourceTerritorial coverage limitation
Coverage does not extend to countries classified as not recommended for travel by Hungarian Ministry of Foreign Affairs due to natural disaster, terrorism, civil war, or poor public security
SourceMandatory cooperation with ATLASZ Assistance service
Insured must cooperate with ATLASZ Assistance and obtain prior approval before arranging medical services or repatriation
SourcePolicy purchase timing requirement
Policy must be purchased before departure from Hungary; policies purchased while already abroad are invalid
SourceBaggage delay coverage
Coverage applies only for delays during outbound travel to foreign destination; does not cover return travel delays
Source