Travel insurance
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| Feature / category | Alfa May 18, 2026 Open details | Allianz May 18, 2026 Open details | EUB May 18, 2026 Open details | Groupama May 18, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Alfa Vienna Insurance Group Biztosító Zrt. | Allianz Hungária Biztosító Zártkörűen Működő Részvénytársaság | Európai Utazási Biztosító Zrt. | Groupama Biztosító Zártkörűen Működő Részvénytársaság |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | HUF 550 | — | — | — |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | Not available | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | HUF 30,000,000 – HUF 200,000,000 | Covered | €30,000 | HUF 500,000,000 |
Medical transport | unlimited | Covered | €5,000 | HUF 250,000,000 |
COVID-19 treatment | HUF 5,000,000 – HUF 25,000,000 | Covered | COVID-19 is not specifically excluded or listed separately. It would be treated as any acute infectious disease illness triggering emergency medical care needs, covered under the general medical expenses section provided it meets the definition of emergency (urgent) medical care and is not a pre-existing condition. No specific COVID-19 clause or sub-limit is stated in the policy document. | HUF 500,000,000 |
Personal liability | HUF 500,000 – HUF 11,000,000 | Optional | Excluded | €30,000 |
Emergency dental | HUF 100,000 – HUF 200,000 | Covered | €100 | €250 |
Search & rescue | HUF 500,000 – HUF 2,000,000 | Covered | €10,000 | HUF 250,000,000 |
Legal assistance | HUF 4,000,000 | Optional | €2,000 – €4,000 | €7,500 |
Emergency medical treatment | HUF 30,000,000 – HUF 200,000,000 | Covered | €30,000 | HUF 500,000,000 |
Hospitalization | 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. | Covered | €30,000 | HUF 500,000,000 |
Outpatient treatment | HUF 30,000,000 – HUF 200,000,000 | Covered | €30,000 | HUF 500,000,000 |
Medical evacuation | Covered | Covered | €30,000 | HUF 250,000,000 |
Repatriation of remains | unlimited | Covered | €30,000 | HUF 250,000,000 |
Pre existing conditions | 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. | Chronic diseases are covered conditionally: only if the chronic condition did not require hospital or outpatient treatment in the 12 months prior to travel (check-up visits excluded), confirmed by written doctor's certificate. If the condition required treatment in the prior 12 months, it is excluded. Silver 1,000,000 HUF; Gold 5,000,000 HUF; Platinum 15,000,000 HUF. | Excluded | Pre-existing chronic conditions are covered only in the event of a sudden, unexpected acute deterioration requiring emergency treatment abroad. The sublimit is HUF 20,000,000 (Prémium) / HUF 7,500,000 (Komfort) / HUF 3,000,000 (Bázis). Condition: the insured must have been fully compliant with all prescribed medical instructions for that condition (correct medication dosage, lifestyle restrictions). Treatment of known pre-existing conditions that is not urgent and could be deferred until return is excluded. |
Winter sports cover | Optional | Optional | Optional | Optional |
Adventure sports cover | Optional | Optional | Optional | Optional |
Pregnancy complications | 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. | Pregnancy-related emergency costs are covered with conditions: weeks 1–27: within overall medical limit (Silver 25,000,000 HUF; Gold 80,000,000 HUF; Platinum unlimited); weeks 28–35: 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 excluded. | Emergency pregnancy or obstetric care is covered up to and including the end of the 24th week of pregnancy. Antenatal care, routine pregnancy testing, and infant/child care are explicitly excluded. Coverage applies only to emergency (urgent) medical interventions. | Hospital and medical costs related to spontaneous miscarriage or premature birth occurring before the 28th week of pregnancy are covered within the standard emergency medical limit. Routine pregnancy check-ups, antenatal care, and obstetric treatment required after the 28th week are excluded. |
| 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. | 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). | Service requests for healthcare assistance (Section A) and additional travel assistance (Section B) must be reported to EUB-Assistance (+36 1 465 3666) immediately, but no later than within 24 hours of the insured incident (provided that objective possibility of notification exists). For services exceeding EUR 150 per incident, notification must be made within 12 hours and prior written approval obtained. If the insured was transported by centrally dispatched ambulance to avert immediate life threat, only services used after the life-threatening condition ceases require prior approval. | In the event of hospitalisation, the insured or their authorised representative must contact the assistance service within 3 calendar days. If prior approval is not obtained and key circumstances cannot be determined as a result, hospital costs are reimbursed up to a maximum of EUR 1,000. The insured is exempt if their medical condition makes it impossible to act in time; in that case they must contact the service immediately after their condition improves, but no later than 5 calendar days after recovery. |
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. | 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. | The Insurer only considers valid offers submitted via the online contracting system. The earliest start of coverage is the 0th hour of the day after the conclusion of the insurance contract and payment of the premium. The insurance contract can only be concluded while the policyholder is in Hungary or the country of permanent residence of the insured. | The insurance contract can only be concluded while the insured is physically present in Hungary. The insurance is exclusively available in Hungary. If purchased from abroad, the contract is invalid. |
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. | 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. | Chronic diseases and pre-existing conditions are excluded if the contract is made without health risk assessment. Specifically excluded are diseases/accidents whose cause is, in whole or in part, a medical condition existing prior to the start of coverage, conditions requiring medical treatment within one year before the start of coverage, and conditions related to irreversible health damage established before coverage start. Psychiatric and psychological disorders are also excluded. | Chronic pre-existing conditions are covered only if an unexpected acute exacerbation occurs during the trip requiring emergency treatment abroad. The sublimit is HUF 20,000,000 (Prémium) / HUF 7,500,000 (Komfort) / HUF 3,000,000 (Bázis). Eligibility requires the insured to have been fully compliant with all medical prescriptions for that condition prior to travel. |
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. | 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. | Emergency pregnancy or obstetric care is covered up to the end of the 24th week of pregnancy only. Antenatal care, routine pregnancy testing, and infant/child care are explicitly excluded. Coverage is limited to medically urgent interventions. | Costs related to spontaneous miscarriage or premature birth before the 28th week of pregnancy are covered within the standard emergency medical limit. Routine antenatal care, check-ups, and obstetric treatment required after the 28th week of pregnancy are excluded. |
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. | 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. | If the use of services related to an insured incident was not approved by EUB-Assistance or the Insurer for reasons attributable to the insured, the Insurer's service does not cover the resulting additional costs. Without prior authorisation, only costs up to EUR 150 per insured incident are reimbursed. | Medical services and assistance services used without prior approval from the insurer's assistance partner are not covered. If prior approval was not obtained and as a result key circumstances relevant to the insurer's obligation cannot be determined, reimbursement is limited to a maximum of EUR 1,000 for hospital and emergency transport costs. |
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. | 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. | Pre-existing conditions are excluded: (a) medical condition existing prior to the start of coverage (disease, complaint, symptom); (b) conditions under medical treatment within one year before coverage start or where treatment would have been medically necessary; (c) conditions related to irreversible health damage established before coverage start. This applies when the contract is concluded without health risk assessment (which is the standard for this product). | Known pre-existing conditions treated abroad are not covered unless an acute emergency arises that, if left untreated, would foreseeably endanger the insured's life or cause irreversible harm. In such emergency cases coverage is limited to the chronic disease acute exacerbation sublimit (HUF 20,000,000 Prémium / HUF 7,500,000 Komfort / HUF 3,000,000 Bázis). |
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. | 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. | The insurance coverage lasts for the period specified in the policy, with a maximum of 180 days. The earliest start of coverage is the 0th hour of the day after the conclusion of the contract and premium payment. For insured persons aged 70–80, the cover extends only for a maximum of 30 days of continuous stay in Hungary (or Europe for the W&E product). Persons who have turned 80 cannot be insured. Hospital inpatient care is covered for a maximum of 30 days in total across all insured incidents during the insurance period. | Maximum insurance duration is 1 year. The insurer's risk coverage applies from the time of exit from the Hungarian border until re-entry into Hungary. Persons aged 70–79 may be insured for a maximum of 90 days (Bázis or Komfort only, with 100% age surcharge); from day 91 they are no longer covered. Persons aged 80+ may be insured for a maximum of 30 days (Bázis or Komfort only, with 250% age surcharge); from day 31 they are no longer covered, and illness-related medical costs are not covered at all for persons who reached age 80 on or before the first day of coverage. |
| Proof and next steps | ||||
Direct payment policy | 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. | The insurer can directly assume costs of emergency treatment abroad if the foreign medical institution accepts the insurer's guarantee. If the foreign institution does not accept the guarantee or contact cannot be established, costs are reimbursed retrospectively within 15 days of receipt of required documents. Costs settled abroad are reimbursed at the MNB exchange rate on the day of payment. | The Insurer reimburses documented costs of medically justified emergency treatment. For services exceeding EUR 150 per insured incident, prior telephone notification to EUB-Assistance within 12 hours and written pre-approval of costs is required. Direct payment to service providers is organized by EUB-Assistance where possible; repatriation costs are paid directly by EUB-Assistance when it organizes the transport. | The insurer provides direct payment guarantee to hospitals and healthcare providers abroad via the 24/7 assistance service (+36 1 465 3640). Costs pre-approved by the assistance service are settled directly; costs incurred without prior assistance approval are reimbursed up to EUR 1,000 maximum if key circumstances cannot be determined. |
Last verified | May 18, 2026 | May 18, 2026 | May 18, 2026 | May 18, 2026 |