Europ Assistance Hungary Ltd.
Europ Assistance
Europ Assistance is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
Where the local service provider allows it, the insurer or its assistance partner may settle emergency medical and assistance costs directly with the provider; otherwise the insured pays locally and is reimbursed in Hungary after presenting invoices.
Geographic scope
Geographic Europe (excluding Belarus, Russia, Ukraine, Greenland), plus Tunisia, Egypt, Jordan, Morocco, Turkey, the Canary Islands, Madeira and the Azores
Coverage does not apply to countries or regions which the Hungarian Ministry of Foreign Affairs advises against traveling to on the first day of risk or on the day of entry; the optional vehicle roadside assistance rider is valid in Hungary and a defined list of European countries.
Unique selling points
- Liability coverage of up to HUF 20,000,000 under Travel Care Prémium, well above typical travel policy minimums.
- Exclusive home-emergency assistance service for Travel Care Prémium customers, covering incidents at home while the policyholder is traveling.
- Post-return rehabilitation and specialist follow-up organized in Hungary after a medical emergency abroad, included in both tiers.
- Optional vehicle roadside assistance rider covering up to six vehicles per policy across Hungary and a wide list of European countries.
- 24/7 multilingual assistance hotline supporting Hungarian, English, German, Romanian, Croatian and Serbian speakers.
Coverage limits
Overall medical treatment sum insured
HUF 40,000,000 – HUF 80,000,000
Aggregate sum insured covering emergency outpatient and inpatient treatment, medicine delivery abroad and hospital visit costs: HUF 40,000,000 under Travel Care and HUF 80,000,000 under Travel Care Prémium.
Emergency medical treatment and rescue abroad
HUF 40,000,000 – HUF 80,000,000
Covers medical care, prescribed medicine, diagnostic tests, crutches/braces, ambulance transport and mountain/water/helicopter rescue to hospital, within the overall medical sum insured (HUF 40M Travel Care / 80M Prémium).
Inpatient hospital treatment
HUF 40,000,000 – HUF 80,000,000
Inpatient hospital treatment is covered for up to a total of 30 days during the policy period, regardless of the number of events, within the overall medical sum insured.
Emergency outpatient treatment
HUF 40,000,000 – HUF 80,000,000
Emergency outpatient treatment abroad is covered within the overall medical sum insured; a sub-limit applies for emergency dental care.
Emergency dental treatment
HUF 100,000 – HUF 200,000
Sub-limit for urgent pain-relief dental treatment and non-accident-related oral surgery: HUF 100,000 (Travel Care) / HUF 200,000 (Prémium). Excludes crowns, dentures, bridges, scaling, orthodontics and cosmetic dental work.
Transport to medical facility abroad
HUF 40,000,000 – HUF 80,000,000
Ambulance and, where justified, mountain/water/helicopter rescue transport to a doctor or hospital is included within the overall medical sum insured, with no separate sub-limit.
Repatriation/evacuation to home country due to illness or injury
HUF 10,000,000 – HUF 25,000,000
Cost of organizing and executing repatriation to Hungary when medically necessary: up to HUF 10,000,000 (Travel Care) / HUF 25,000,000 (Prémium).
Repatriation of mortal remains
HUF 10,000,000 – HUF 25,000,000
Up to HUF 10,000,000 (Travel Care) / HUF 25,000,000 (Prémium) plus up to HUF 800,000 for funeral costs (both tiers) for repatriation of remains following death abroad.
Mountain, water and helicopter search and rescue
HUF 40,000,000 – HUF 80,000,000
Mountain/water/helicopter rescue costs are included within the overall medical sum insured; under the optional Winter Sports rider, rescue costs are covered even without subsequent emergency treatment if due to extreme weather conditions.
COVID-19 treatment
No limit stated
Not addressed as a distinct coverage item in the terms and conditions; pandemics are explicitly excluded from the definition of natural catastrophe.
Pre-existing chronic conditions
Conditional
A chronic condition known before policy conclusion is covered only if it did not require hospital or ambulatory treatment in the 12 months preceding the trip, proven by official medical certification.
Winter sports rider (ski pass reimbursement)
HUF 100,000
Optional add-on (165% premium surcharge) extending medical, accident and liability cover to designated winter sports; includes reimbursement of an unused ski pass up to HUF 100,000 (both tiers) if the insured cannot ski/snowboard due to illness or accident.
Extreme/adventure sports
Excluded
Extreme sports (e.g., motorsport, diving, mountaineering, climbing, base-jumping, off-piste skiing, bungee jumping, and similar high-risk activities) are explicitly excluded from coverage.
Pregnancy and childbirth
Excluded
Claims related to the insured's pregnancy or childbirth are explicitly excluded from coverage.
Personal liability insurance
HUF 4,000,000 – HUF 20,000,000
Covers property damage and personal injury caused by negligence to third parties abroad: up to HUF 4,000,000 (Travel Care) / HUF 20,000,000 (Prémium).
Legal assistance
Covered
One occasion per trip of telephone legal consultation (up to 60 minutes) regarding liability claims arising abroad; does not include legal representation before authorities or courts.
24-hour telephone assistance
Covered
A round-the-clock assistance telephone line (+36 1 465-3682) operated by Europ Assistance Magyarország Kft. handles claim notifications and service organization in Hungarian and English (medical) and additionally German, Romanian, Croatian and Serbian for the optional vehicle assistance rider.
Key conditions
Assistance call deadline
For medical assistance claims, the insured must contact the 24-hour Assistance line as soon as medically possible, but no later than 72 hours after the event, unless incapacitated, in which case notification is due immediately after the incapacity ends.
Unauthorized treatment
If a service is used without being organized or approved by the insurer's assistance partner (for reasons attributable to the insured), the insurer does not cover the resulting additional costs.
Purchase while abroad
The policy is only validly concluded if the insured is physically present in Hungary at the time of contract conclusion; if the insured is already abroad, the contract is invalid and the premium is refunded.
Chronic conditions
Chronic diseases are covered only if they did not require hospital or outpatient treatment in the 12 months before the trip, evidenced by official medical documentation; failure to follow the treating doctor's instructions voids cover for resulting emergencies.
Pregnancy
Claims arising from pregnancy or childbirth are excluded from all coverages under this policy.
Pre-existing condition exclusions
Pre-existing chronic conditions known before the policy was concluded are covered only if stable and treatment-free for the 12 months preceding the trip.
Coverage duration limit
The policy can be taken out for a minimum of 1 and a maximum of 30 days per trip; it may be issued at most 90 days before departure, and risk cover may be automatically extended by 1 day only in specific documented circumstances preventing timely return (e.g., traffic accident, strike, flight cancellation/delay, overbooking).
Documents
Travel Care / Travel Care Prémium Terms and Conditions (effective 2025-05-12, v3)
Terms & conditions
Travel Care Terms and Conditions (effective 2024-10-01, v2)
Terms & conditions
Travel Care Terms and Conditions (effective 2024-04-30, v1)
Terms & conditions
Travel Care Insurance Product Information Document (IPID)
IPID
Travel Care / Travel Care Prémium Benefits Table (Szolgáltatási táblázat)
Table of benefits
Policy specifics
Winter sports coverage (optional)
Optional add-on coverage for designated winter sports activities including skiing, snowboarding, and related winter sports, available only if specifically selected during policy purchase
SourceVehicle roadside assistance (optional)
Optional add-on for vehicle breakdown assistance, covering technical failures and repairs while traveling abroad, and extending to Hungarian territory when insured vehicle is involved
SourceHome emergency coverage during travel (Travel Care Prémium only)
Premium tier exclusive feature providing coverage for home emergency situations occurring while the insured person is traveling abroad
SourcePost-return rehabilitation and injury monitoring
Coverage includes domestic rehabilitation and monitoring of injuries sustained during travel, continuing after return to Hungary
SourceCoverage area: Europe and Mediterranean countries
Policy provides coverage exclusively in Europe and Mediterranean countries; no coverage within Hungarian territory for main risks
Source24-hour emergency notification requirement for medical events
For medical assistance and illness-related coverage, insured must notify 24-hour assistance by phone within 72 hours of event, or as soon as medically possible
SourcePost-return claims submission via online portal or email
After returning to Hungary, claims must be submitted via designated online channel, email (karrendezes@europ-assistance.hu), or digital claims portal
SourcePregnancy-related exclusion
Insurance does not cover claims related to pregnancy or pregnancy complications
SourceCoverage effective day after contract date
Cannot purchase insurance on day of travel; earliest coverage begins day after purchase date if premium is received by insurer
Source