Groupama Biztosító Zártkörűen Működő Részvénytársaság
Groupama
Groupama is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
The insurer's assistance partner can provide a direct payment guarantee to hospitals and doctors abroad once treatment is pre-approved by phone via the 24/7 assistance line; without prior approval, verified hospital costs are reimbursed only up to EUR 1,000.
Geographic scope
Worldwide; the surcharge-free 'European' zone includes geographic Europe plus the Azores, Cyprus, Egypt, Georgia, Israel, Jordan, the Canary Islands, Madeira, Morocco, Malta, the whole of Russia, the whole of Turkey and Tunisia
A 50% surcharge applies to destinations outside the surcharge-free European zone (excluding USA, Canada, Australia, New Zealand); a 150% surcharge applies to the USA, Canada, Australia and New Zealand. Cover excludes countries/regions on the Hungarian Consular Service's 'travel not recommended' list as of the first day of the policy period.
Unique selling points
- 24/7 Hungarian-language assistance hotline reachable from anywhere in the world for medical, legal or vehicle emergencies.
- Policies can be bought online and take effect immediately, even on the day of departure.
- Optional vehicle assistance add-on covers roadside breakdowns, lockouts and towing when travelling by car.
- Three cover tiers (Bázis, Komfort, Prémium) let customers scale medical cover up to HUF 150 million for sickness or accident.
- Includes legal assistance and a bail advance abroad, plus personal liability cover, alongside medical and luggage protection.
Coverage limits
Emergency medical (illness) expenses
HUF 15,000,000 – HUF 150,000,000
Emergency illness treatment costs abroad are covered up to HUF 15 million (Bázis), HUF 75 million (Komfort) or HUF 150 million (Prémium).
Emergency treatment due to accident
HUF 15,000,000 – HUF 150,000,000
Emergency accident treatment costs abroad are covered up to HUF 15 million (Bázis), HUF 75 million (Komfort) or HUF 150 million (Prémium).
Daily hospitalization cash allowance
HUF 5,000 – HUF 10,000
Only in Komfort, Prémium
In-patient treatment is covered within the overall medical expense limit. In addition, if hospital costs are covered by EHIC or another insurance, a daily cash allowance of HUF 5,000 (Komfort) or HUF 10,000 (Prémium) is paid for up to 30 days; not available under Bázis.
Outpatient treatment
Covered
Outpatient medical care for acute illness is covered within the overall emergency medical expense limit; no separate sum insured is stated.
Emergency dental treatment
€250
Pain-relief dental treatment (excluding dentures) is covered up to EUR 250 per tooth, maximum 2 teeth, identical across all tiers.
Emergency patient transport
Covered
Transport to a doctor or hospital by ambulance, including justified mountain, water or air rescue costs, is included (charged against the patient-repatriation limit) in all tiers.
Patient repatriation
HUF 3,000,000 – HUF 50,000,000
Repatriation of the sick/injured insured to Hungary is covered up to HUF 3 million (Bázis), HUF 15 million (Komfort) or HUF 50 million (Prémium).
Repatriation of remains
HUF 5,000,000 – HUF 50,000,000
In case of death abroad, repatriation of the body is organised and covered up to HUF 5 million (Bázis), HUF 20 million (Komfort) or HUF 50 million (Prémium).
Mountain, water and air rescue
Conditional
Only in Komfort, Prémium
Emergency mountain, water and air rescue costs are included under Komfort and Prémium; not available under Bázis.
COVID-19 treatment
No limit stated
No COVID-19-specific provision is stated in this product's terms and conditions.
Chronic disease becoming acute
HUF 1,000,000 – HUF 17,500,000
Costs arising when a chronic (pre-existing) condition suddenly becomes acute are covered up to HUF 1 million (Bázis), HUF 5 million (Komfort) or HUF 17.5 million (Prémium); general pre-existing-condition treatment otherwise remains excluded except for the first emergency life-saving intervention.
Winter sports cover
Optional
Piste skiing and snowboarding can be covered against a 20% surcharge on the premium; without the surcharge, accidents during these activities are excluded.
Adventure/extreme sports cover
Optional
Hobby-level water/adventure sports (e.g. diving, parasailing, windsurfing, quad, mountain bike) require a 50% surcharge; extreme sports (e.g. canyoning, mountaineering, via ferrata) require a 100% surcharge; not available for persons over 65.
Pregnancy complications
Conditional
Hospital and medical costs relating to spontaneous miscarriage or premature birth up to the 28th week of pregnancy are covered within the general medical expense limit; routine prenatal care and check-ups are excluded, as is any obstetric care needed after the 28th week.
Personal liability insurance
€10,000 – €30,000
Only in Komfort, Prémium
Liability for bodily injury or death caused to a third party is covered up to EUR 10,000 (Komfort) or EUR 30,000 (Prémium); sub-limits also apply for accommodation damage (EUR 500/1,000) and skiers' liability (EUR 5,000/15,000). Not available under Bázis; excluded for claims arising in the USA/Canada.
Legal assistance and bail advance
€3,500 – €7,500
Only in Komfort, Prémium
Attorney/expert fees are covered up to EUR 3,500 (Komfort) or EUR 7,500 (Prémium); a bail advance of EUR 7,500 (Komfort) or EUR 15,000 (Prémium) can also be provided. Not available under Bázis.
24/7 telephone assistance
Covered
A 24-hour, Hungarian-language telephone assistance and advisory service is included in all three tiers.
Key conditions
Assistance call deadline
In case of hospital admission, the insured or their representative must contact the 24/7 assistance service without delay; if the insured is alone abroad and unable to act, notification is required within 5 calendar days at the latest.
Unauthorized treatment
If hospital costs are not pre-approved by the assistance service, the insurer reimburses the verified and justified hospital costs only up to a maximum of EUR 1,000.
Purchase while abroad
The policy may only be concluded while the insured is physically in Hungary, before crossing the border; cover cannot be purchased from abroad.
Chronic conditions
Pre-existing illnesses known before travel are excluded from cover, except when withholding care would foreseeably endanger life or cause irreversible harm; a chronic condition suddenly becoming acute is covered up to the tier-specific limit, conditional on following prescribed treatment.
Pregnancy
Hospital and medical costs related to spontaneous miscarriage or premature birth up to the 28th week of pregnancy are covered; routine prenatal care and check-ups, and any obstetric care needed after the 28th week, are excluded.
Pre-existing condition exclusions
Treatment of illnesses known before the start of the trip is excluded, except for the first emergency, life-saving intervention.
Coverage duration limit
Maximum policy term is 1 year; it can be extended before expiry, without a break in cover, for a minimum of 10 additional days, subject to a claims-free declaration (online policies can be extended online by as little as 1 day).
Where to buy
Policy specifics
Early return home coverage
Coverage for costs due to early return home when close family member dies or becomes seriously ill
SourceParking surcharge coverage
Coverage for additional parking costs due to flight delays, available for vehicle operators only
SourceGeographical coverage scope
Travel insurance coverage varies by package: Basic Europe coverage, Extended Europe, or Worldwide; excludes Hungary territory
SourceAge restrictions and surcharges
Insured persons aged 65-79 require 100% age surcharge for max 90 days; persons 80+ require 250% surcharge for max 30 days; persons over 80 years may have restricted coverage (accident-only after age 80)
SourcePre-existing medical conditions
Coverage for chronic conditions is conditional: insured must strictly follow medical instructions, medications, and lifestyle restrictions prescribed for the existing condition
SourceTravel to countries not recommended for travel
Insurance does not cover territories or countries included in Hungary's Ministry of Foreign Affairs travel warning list (red category - travel not recommended)
SourceContinuous employment abroad exclusion
Insurance is void if insured takes permanent employment abroad or establishes long-term residence outside Hungary; this is a material change obligation
SourceContract period and automatic renewal
Maximum insurance period is 1 year per trip; if not cancelled, contract automatically renews at each insurance anniversary unless differently specified
SourceContract must be concluded before departure
Travel insurance contract must be concluded while in Hungary, before crossing the Hungarian border; contracts concluded from abroad are void
SourceQuarantine costs exclusion
Travel insurance does not cover additional costs (accommodation, meals, travel) incurred due to quarantine requirements
Source