EUB

Refund of medical and rescue expenses (total)

Covered

Total reimbursement of emergency medical assistance and rescue costs including medical examination, treatment, prescribed medicines, ambulance transport (including mountain, marine and helicopter rescue), hospital inpatient care (max. 30 days total per trip), laboratory tests, intensive care, emergency surgery, crutches/orthopaedic aids on prescription, emergency dental care and oral surgery due to accident. For the Welcome to Hungary Top product the total limit is EUR 30,000. Sub-limits: helicopter rescue EUR 10,000; ambulance transport EUR 5,000; hyperbaric chamber EUR 2,500 (Sport Plusz supplement only); emergency dental EUR 100.

Emergency medical treatment

Covered

Emergency (urgent) medical care covering illness or accident occurring during the insurance period within the geographical scope. The Insurer covers services of value exceeding EUR 150 only with prior EUB-Assistance notification (within 12 hours) and written pre-approval. Without prior approval only up to EUR 150 is reimbursed, except when the insured is transported to hospital by centrally dispatched ambulance to avert immediate life threat.

Hospital inpatient care

Covered

Hospital inpatient care (overnight stay) is covered as part of the total medical and rescue expenses limit of EUR 30,000 (Top tier). The Insurer covers hospital inpatient treatment for a maximum of 30 days in total across all insured incidents occurring during the insurance period. If multiple contracts are concluded for one trip, this 30-day limit applies jointly.

Outpatient treatment

Covered

Outpatient (ambulatory) medical examination and treatment, prescribed medicines, laboratory tests are included within the overall medical and rescue expenses total limit of EUR 30,000 (Top tier). No separate sub-limit stated for outpatient treatment specifically.

Emergency dental care

Covered

Reimbursement of emergency dental and oral care costs for reasons other than an accident (direct pain relief including prescribed medicines) up to EUR 100 for the Top product. Root canal treatment only if necessary for a temporary filling. Oral surgery due to an accident is also covered. Note: the Insurer does not arrange or directly reimburse dental treatment costs to the service provider.

Ambulance transport

Covered

Transportation of the patient to a doctor or hospital by ambulance, including mountain, marine and helicopter rescue costs, within the total medical and rescue expenses ceiling. Sub-limit for ambulance transport: EUR 5,000 (Top). Helicopter rescue sub-limit: EUR 10,000 (Top). Travel costs to doctor/hospital by passenger car, public transport or taxi reimbursed up to EUR 100 total (section 2.4).

Repatriation / medical evacuation

Covered

The Insurer arranges repatriation or return travel to the country of permanent residence and reimburses additional transport costs including medically justified escort, up to EUR 30,000 (Top). Air ambulance transport is covered if medically justified. Repatriation costs are only reimbursed if organized by EUB-Assistance. In terrorism-related cases, repatriation costs are covered up to HUF 30 million total for all affected insured persons.

Repatriation of the deceased

Covered

In case of the death of the insured person within the scope of the insurance contract in connection with an insured incident, the Insurer arranges repatriation of the remains to the country of permanent residence and covers all associated costs, up to EUR 30,000 (Top). Costs are not reimbursed if the transport was not arranged by EUB-Assistance.

Helicopter / search and rescue

Covered

Helicopter rescue costs are covered within the total medical and rescue expenses ceiling, with a sub-limit of EUR 10,000 for the Top product. Mountain and marine rescue are also included within the same ceiling (sub-limit EUR 1,500 for helicopter under Basic; EUR 10,000 under Top; EUR 15,000 under Welcome to Hungary & Europe).

COVID-19 treatment

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.

Legal assistance and legal expenses insurance

Covered

Covers bail and related procedural costs (up to EUR 2,000 for Top) and attorney fees (up to EUR 2,000 for Top) when a procedure is initiated against the insured for negligently committing a misdemeanour or criminal act within the insurance scope. Total legal cover limit: EUR 2,000 bail + EUR 2,000 attorney fees (Top). The Insurer arranges legal representation; costs not pre-approved by the Insurer are not reimbursed. Legal assistance premium represents 0.4% of total premium (Top).

24/7 assistance service

Covered

EUB-Assistance is available 24 hours a day, 7 days a week by telephone (+36 1 465 3666) in Hungarian and English. Services include dispatching a doctor, guiding the insured to medical care, organising continued emergency treatment, direct payment to providers where possible, daily updates to a designated contact person on the insured's condition, and coordination of repatriation.