Groupama

Covers emergency medical expenses abroad for illness and accident up to HUF 500,000,000 (Prémium), HUF 100,000,000 (Komfort), or HUF 25,000,000 (Bázis) per person. For persons aged 70–79 the illness sublimit under Komfort/Bázis is HUF 15,000,000 / HUF 5,000,000. Persons aged 80+ are covered only for accident-related medical costs. Includes outpatient visits, hospitalisation, urgent surgery, prescription medication, and necessary ambulance/taxi transport to hospital.

Coverage for urgent acute medical conditions requiring immediate treatment abroad, including outpatient consultation, acute illness (including Covid-19), urgent surgery, and ambulance transport. Applies when delay of treatment would foreseeably endanger life, physical integrity, or cause irreversible damage. Up to HUF 500,000,000 (Prémium). Pre-existing chronic conditions are covered only upon acute exacerbation up to a separate sublimit.

Inpatient hospitalisation and urgent surgery abroad are covered within the overall emergency medical expenses limit (HUF 500,000,000 Prémium / HUF 100,000,000 Komfort / HUF 25,000,000 Bázis). If hospitalisation costs are covered by the European Health Insurance Card (EHIC) or another insurer, a daily hospital cash benefit of HUF 30,000/day (Prémium) or HUF 20,000/day (Komfort) is payable for up to 30 days instead, upon written waiver of direct cost reimbursement.

Outpatient medical consultations for acute illness or accident abroad are covered within the overall emergency medical limit. Covers doctor visits, diagnosis, prescription medication (to the extent medically necessary for the acute episode), and medical aids on prescription. Excludes general check-ups, treatment deferrable until return to Hungary, and follow-up care.

Pain-relief dental treatment (without prosthetics) covered up to EUR 250 per tooth, maximum 2 teeth, in all three tiers (Prémium, Komfort, Bázis). Excludes dental prosthetics, crowns, bridges, orthodontics, scaling, and permanent root canal treatment.

Emergency patient transport to hospital or doctor abroad (including mountain rescue, water rescue, and air rescue) is covered up to HUF 250,000,000 (Prémium) / HUF 50,000,000 (Komfort) / HUF 5,000,000 (Bázis). Prior approval by the assistance service is required; without approval, reimbursement is capped at EUR 1,000 unless the insured was incapacitated.

When medically justified, the insurer organises and covers transport of the insured to a Hungarian hospital or home address, with medical escort if necessary. Costs covered up to HUF 250,000,000 (Prémium) / HUF 50,000,000 (Komfort) / HUF 5,000,000 (Bázis) from the 'Sürgősségi betegszállítás' service budget. Repatriation is organised by the insurer; costs incurred without insurer approval are not reimbursed.

In the event of the insured's death abroad, the insurer organises and covers repatriation of the remains to Hungary up to HUF 250,000,000 (Prémium) / HUF 50,000,000 (Komfort) / HUF 5,000,000 (Bázis). Repatriation must be organised through the insurer; costs incurred without insurer approval are not reimbursed.

If the insured's location is unknown due to an accident abroad and a search is warranted, the insurer organises and covers the search and rescue operation through local authorities, charged to the 'Beteg hazaszállítása' (patient repatriation) budget of up to HUF 250,000,000 (Prémium) / HUF 50,000,000 (Komfort) / HUF 5,000,000 (Bázis). Mountain, water, and air rescue costs are included within the emergency patient transport limit.

Emergency medical treatment and hospitalisation for Covid-19 abroad are explicitly covered within the standard emergency illness limit (HUF 500,000,000 Prémium / HUF 100,000,000 Komfort / HUF 25,000,000 Bázis). Quarantine costs (accommodation, food, additional travel) are not covered; however, the insurer covers the emergency medical costs of the infection itself.

Covers third-party bodily injury or death caused by the insured abroad up to EUR 30,000 (Prémium) / EUR 10,000 (Komfort); not available in Bázis. Accommodation damage covered up to EUR 1,000 (Prémium) / EUR 500 (Komfort). Skier liability up to EUR 15,000 (Prémium) / EUR 5,000 (Komfort) for those who paid the winter sports surcharge. Requires minimum 2-day policy. Excludes intentional acts, motor vehicle liability, professional activity, and family members in the same household.

Legal assistance abroad (attorney and expert costs) covered up to EUR 7,500 (Prémium) / EUR 3,500 (Komfort); not available in Bázis. An advance on bail up to EUR 15,000 (Prémium) / EUR 7,500 (Komfort) is available. Coverage applies when a criminal proceeding is initiated against the insured abroad due to a traffic accident with personal injury, or (for those with the winter sports surcharge) amateur skiing/snowboarding on a designated piste. Requires minimum 2-day policy.

Round-the-clock telephone assistance is included in all tiers (Prémium, Komfort, Bázis). Services include: locating doctors/hospitals, medical transport organisation, payment guarantee to healthcare providers, patient monitoring, home repatriation organisation, currency theft advice, translation/interpretation services, information on travel documents, and notifying relatives. Hungarian-language helpline: +36 1 465 3640.