K&H Insurance Private Limited Company
K&H
K&H is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
If the insured contacts the Europ Assistance helpline before treatment, the assistance partner settles the eligible costs directly with the foreign healthcare provider; if the insured pays on the spot after proper notification, the insurer reimburses the documented costs within 15 days of receiving all required documents.
Geographic scope
Worldwide, excluding Hungary, the insured's home country, Russia, Belarus, the Arctic/Antarctic, and countries the Hungarian Ministry of Foreign Affairs advises against travel to
Cover does not apply to Hungary, the insured's country of permanent residence (for foreign nationals), Russia, Belarus, the Arctic (north of the Arctic Circle) and Antarctic (south of the Antarctic Circle), or to countries/regions listed by the Hungarian Ministry of Foreign Affairs as not recommended or only for urgent travel, unless the listing is solely due to a pandemic
Unique selling points
- Baggage cover extends to sports equipment (except bicycles) at no extra charge.
- On-piste skiing and snowboarding are covered without any surcharge.
- A single optional online add-on extends cover to a wide range of hobby-level dangerous sports and diving.
- 24/7 assistance helpline reachable from anywhere in the world.
- Policies can be bought online in minutes, starting from just a few hundred forints per day.
Coverage limits
Medical expenses (accident/illness)
HUF 50,000,000 – HUF 200,000,000
Emergency medical costs abroad due to accident or illness, covered only in cases of urgent medical need. Gazdaságos: 50,000,000 HUF; Ideális: 100,000,000 HUF; Exkluzív: 200,000,000 HUF.
Emergency medical treatment
HUF 50,000,000 – HUF 200,000,000
Covers sürgősségi orvosi vizsgálat/gyógykezelés within the overall medical sum; provided only if immediate care is needed to avert life or health risk.
Hospitalization
100% of insured sum
Emergency hospital treatment is covered within the overall accident/illness medical sum (not a separate sub-limit); the insurer may repatriate the patient to Hungary once medically fit to travel instead of continuing to fund foreign hospitalization.
Outpatient treatment
100% of insured sum
Outpatient emergency examination and treatment are covered within the overall medical sum, at rates customary at the place of treatment.
Emergency dental treatment
HUF 30,000 – HUF 150,000
Pain-relief dental treatment for up to 2 teeth. Gazdaságos: 30,000 HUF (15,000/tooth); Ideális: 80,000 HUF (40,000/tooth); Exkluzív: 150,000 HUF (75,000/tooth).
Medical transport (ambulance/transport to hospital)
unlimited
Transport by ambulance or, where indicated, mountain, water or helicopter rescue to hospital is covered without a monetary limit.
Medical evacuation / repatriation for treatment
unlimited
If hospitalized abroad, once fit to travel the insured is repatriated to Hungary for further treatment; the insurer covers the actual transport cost without limit.
Repatriation of mortal remains
unlimited
In the event of the insured's death abroad, the insurer arranges and pays, without limit, for transport of the remains to Hungary.
Search and rescue
HUF 1,000,000 – HUF 10,000,000
Covers organized search and rescue (including mountain, water or helicopter rescue) if the insured's whereabouts become unknown due to a suspected accident. Gazdaságos: 1,000,000 HUF; Ideális: 5,000,000 HUF; Exkluzív: 10,000,000 HUF.
COVID-19 treatment
No limit stated
No source document states a specific COVID-19 treatment benefit; the only pandemic-related clause concerns not excluding pandemic-listed destinations from territorial cover.
Pre-existing conditions
100% of insured sum
Generally excluded, but sudden/unexpected acute worsening of a chronic condition is covered within the illness medical sum if the condition did not require hospital/outpatient treatment in the preceding 12 months and the insured's doctor approved the trip.
Winter sports (on-piste skiing/snowboarding)
Covered
On-piste skiing and snowboarding are covered under the base policy at no extra surcharge; only off-piste skiing/snowboarding and sledging outside marked runs are excluded.
Adventure/dangerous sports extension
Optional
For a 100% surcharge on the base premium, cover extends to hobby-level canyoning, jet-ski, rafting, kitesurfing, parasailing, water-skiing, wakeboarding, rock climbing, sea kayaking, hunting, free diving, and recreational scuba diving to 40m, among others; without the surcharge these activities are excluded.
Pregnancy complications
100% of insured sum
Emergency pregnancy or obstetric care before the 28th week of pregnancy is covered within the illness medical sum; routine antenatal care, check-ups and termination of pregnancy are excluded.
Personal liability abroad
HUF 200,000 – HUF 500,000
Only in ideális, exkluzív
Covers damage caused to a third party abroad arising from an accident. Not available in the Gazdaságos tier; Ideális: 200,000 HUF; Exkluzív: 500,000 HUF. Ski liability (sífelelősség-biztosítás) is not covered under any of these three tiers.
Legal assistance and bail
HUF 300,000 – HUF 1,000,000
Only in ideális, exkluzív
Covers bail/security deposits, lawyer's fees and pursuit of compensation claims arising from an accident or minor offence abroad. Not available in the Gazdaságos tier. Ideális: bail up to 300,000 HUF, lawyer/claim costs up to 200,000 HUF each; Exkluzív: bail up to 1,000,000 HUF, lawyer/claim costs up to 500,000 HUF each.
24/7 assistance helpline
Covered
A round-the-clock assistance line (Europ Assistance Magyarország Kft.) is included with every package, reachable from anywhere for medical or travel emergencies.
Key conditions
Assistance call deadline
The insured must notify the Europ Assistance helpline as soon as possible, and no later than 48 hours after the event (or immediately once any incapacity ends); failure to do so may result in reduced or refused reimbursement unless the delay was unavoidable.
Unauthorized treatment
Costs are only assumed by the insurer if the assistance provider was contacted before or as soon as possible (max. 48 hours) after treatment began; for services taken without prior notification/authorization, the insurer may limit or refuse reimbursement of the resulting costs.
Purchase while abroad
The policy can only be taken out by a person who is in Hungary at the time of contracting; a policy concluded while the insured was already abroad is invalid, no benefit is payable, and the premium is refunded.
Chronic conditions
Chronic conditions that become acute or unexpectedly worsen during the trip are covered within the illness medical sum, provided they did not require hospital/outpatient treatment in the 12 months before travel and the insured's doctor approved the trip.
Pregnancy
Emergency pregnancy/obstetric care is covered only before the 28th week of pregnancy; routine antenatal care, check-ups, and termination of pregnancy are excluded in all tiers.
Pre-existing condition exclusions
Care for any condition that required treatment, medication or was noticeable in the 12 months before travel is excluded, except where the chronic-illness exception applies.
Coverage duration limit
The policy can be taken out for a maximum of 365 days; insured persons who have already turned 65 at the start of cover may only be insured for a maximum of 90 days, subject to a 100% surcharge on the base premium.
Where to buy
Documents
K&H biztostárs travel insurance - Insurance Product Information Document
IPID
Fine print explainer - what to know about K&H biztostárs travel insurance
Other document
K&H biztostárs travel insurance terms and conditions (alap/emelt/ideál packages)
Terms & conditions
K&H biztostárs travel insurance benefits table (alap/emelt/ideál)
Table of benefits
K&H biztostárs travel insurance T&C effective 2024-04-05
Terms & conditions
Policy specifics
Baggage and luggage coverage
Coverage for baggage loss, delay, and contents including sports equipment
SourceTravel assistance services
Emergency assistance including vehicle repair, repatriation, and accommodation
SourceTravel delay compensation (outbound and return)
Reimburses documented emergency purchases if the outbound flight/ship is delayed 4+ hours, or if the return flight is delayed 6+ hours (Ideális/Exkluzív only; not available in Gazdaságos)
SourceK&H biztostárs vehicle assistance and insurance (optional rider)
Optional add-on, purchasable only together with the base travel policy for an extra premium, covering roadside repair, towing, vehicle storage, and repatriation of the vehicle after breakdown or accident abroad
SourceAge restriction for seniors
Persons over 65 years must pay surcharge and insurance limited to 90 days
SourceExcluded territories
Insurance does not cover Hungary or insured's permanent residence country, or countries not recommended for travel by Hungarian Foreign Ministry
SourceEligibility restrictions
Insurable person must reside in Hungary as permanent resident or Hungarian citizen/settled foreign citizen; cannot have long-term foreign employment or physical work abroad
SourceSurcharge for travel outside Europe
50% surcharge for travel outside Europe; 100% surcharge for USA, Canada, Australia, Israel, Brazil
SourceDangerous sports surcharge
100% surcharge for specified dangerous sports at hobby level (skiing included in basic coverage without surcharge, diving and water sports available with surcharge)
Source