K&H
K&H is a travel insurance for the HU market with online purchase and 24/7 assistance.
Direct payment
The insurer (via Europ Assistance Magyarország Kft.) directly settles covered costs with foreign healthcare providers when prior approval has been obtained. If the insured pays on-site, reimbursement is made after return to Hungary within 15 days of receiving all required documents. Without prior notification, costs are reimbursed up to a maximum of 150 USD.
Geographic scope
HU
Valid worldwide outside Hungary (and outside the insured’s country of permanent residence for foreign nationals), except Russia, Belarus, and countries/regions classified as ‘not recommended for travel’ or ‘high security risk’ by the Hungarian Ministry of Foreign Affairs (https://konzinfo.mfa.gov.hu).
Unique selling points
- Six tailored product variants (e.g. city break, holiday, skiing, sailing) available, all with three coverage tiers (alap/emelt/ideál), purchasable entirely online in minutes.
- Unlimited emergency medical evacuation and repatriation of mortal remains included as standard in all tiers, with no monetary cap.
- Skiing (including ski equipment and snow insurance) is covered without surcharge in standard packages, and the ideál tier adds ski-pass reimbursement for unused days due to accident or illness.
- Search and rescue (including helicopter, mountain and water rescue) covered up to 3 000 000 HUF (alap) / 10 000 000 HUF (ideál) with prior insurer approval, going well beyond basic statutory minima.
- 24/7 assistance via Europ Assistance Hungary with direct international emergency line (+36 1 465 3633), enabling real-time coordination of medical care, hospital payments and repatriation worldwide.
Coverage limits
Emergency dental
Covered
Maximum 2 teeth; per-tooth limit 75 USD (alap csomag). Within the emergency medical cost cap.
Eyeglass Replacement
Covered
Replacement of glasses in case of accident causing personal injury, within the emergency medical cost cap (alap csomag).
Other Illness Accident Costs
Covered
Other costs related to illness or accident (travel to doctor/hospital, etc.), alap csomag.
Early Return Home
Covered
Organized early return to Hungary in case of life-threatening condition or death of close family member, or burglary/fire/explosion/natural disaster at permanent residence. Insurer prior approval required. Minimum 3 days remaining on policy required.
Sick Visit Accommodation
Covered
Per night, up to 7 nights, alap csomag. Travel costs (car fuel, 2nd class train, tourist-class flight) for 1 person unlimited. Requires prior insurer approval.
Extended Stay Accommodation
Covered
Per night, up to 7 nights after hospital discharge (alap csomag). Travelling companion covered at same rate.
Flight Delay Reimbursement
Covered
Delay of 4+ hours on outbound flight or ship (scheduled services only, not charter). Official written proof from airline/shipping company required. Alap csomag.
Baggage Delay Coverage
Covered
Checked baggage delayed 10+ hours on outbound journey by airline or shipping company. Official protocol and baggage receipt required. Alap csomag.
Cash Advance Assistance
Covered
Organisation of local currency access in case of theft or unforeseen justified expenses. Hungarian representative must deposit the equivalent HUF amount. Alap csomag.
Child Repatriation
Covered
Repatriation of accompanying children under 14 left unattended due to insured's accident, illness or death.
Damaged Vehicle Passenger Repatriation
Covered
Passenger repatriation when vehicle is immobilised abroad due to traffic accident and cannot be repaired on-site. Alap csomag.
Vehicle Repatriation
Covered
Repatriation of vehicle when insured is medically unable to drive and co-travellers cannot drive it back. Alap csomag. Only available within Europe (cannot be extended outside Europe even with surcharge).
Search & rescue
Covered
Search and rescue including helicopter, mountain rescue, fire brigade. Alap csomag.
Interpreter Service
Covered
Interpreter for insurance or official proceedings abroad. Alap csomag.
Accidental Death
Covered
Alap csomag. Additional amount for aviation catastrophe death: 2 000 000 HUF (alap csomag – only in Document 2; Document 1 had a separate aviation catastrophe line of 3 000 000 HUF).
Accidental Permanent Disability Full
Covered
100% permanent disability (alap csomag, Document 2). Partial disability above 25% paid proportionally.
Baggage Insurance
Covered
Per-item limit: 40 000 HUF. Alap csomag. Also covers airline non-return/partial return of checked baggage (Document 2 addition). Theft from locked car boot capped at 50% of sum insured.
Travel Documents Replacement
Covered
Within the baggage insurance sum. Covers passport, ID, driving licence, vehicle registration. Alap csomag.
Legal Protection Total
Covered
Total legal protection and personal liability combined cap. Alap csomag.
Bail Bond
Covered
Bail or equivalent security for minor offence/negligent crime abroad. Alap csomag.
Compensation Claims Costs
Covered
Costs of enforcing compensation claim abroad following personal injury accident. Alap csomag.
Ski Pass Unused
Conditional
Reimbursement of unused ski pass (pro-rata) if insured suffers accident or illness preventing skiing. Conditions: ski pass purchased before event; accident evidenced by foreign medical documentation; illness requires hospitalisation or medical repatriation. Available in Document 2 version only.
Dangerous Sports Extension
Optional
Surcharge equal to 100% of base premium unlocks coverage for: water-skiing, jet-ski, rafting, canyoning, extreme mountain climbing, rock climbing, quad, hydrospeed, hunting, parasailing, single-handed/offshore sailing, hobby scuba diving up to 40m, motorboat-towed activities (banana, airchair, rubber ring), sea kayak, artificial wall climbing.
Pre Existing Conditions
Excluded
Any treatment or medication related to a pre-existing health condition existing before the trip is excluded.
War Terrorism
Excluded
Events directly or indirectly related to war, civil war, combat, terrorism, uprising, riot, strike are excluded.
Professional Physical Work
Excluded
Damage occurring during professional physical labour abroad is excluded (driving a passenger car is not considered physical labour).
Key conditions
Where to buy
Documents
K&H biztostárs utazási segítségnyújtás és biztosítás szerződési feltételek (alap, emelt, ideál) – biztositasifeltetelek.hu
terms_and_conditions
K&H biztostárs utazási segítségnyújtás és biztosítás szerződési feltételek (netrisk) – korábbi verzió
other
Apró betűk helyett – K&H biztostárs utasbiztosításokról tudni érdemes (fogyasztói tájékoztató)
other
K&H biztostárs utazási segítségnyújtás és biztosítás ügyfél-tájékoztató (hatályos: 2025. március 1-től)
ipid
Policy specifics
Geographic exclusions and country restrictions
Insurance does not cover Russia and Belarus territories, or countries classified by Hungarian Ministry of Foreign Affairs as not recommended for travel or high security risk
Maximum insurance duration
K&H travel insurance can be bound for a maximum of 365 days
Contract must be signed in Hungary
Travel insurance can only be contracted while the insured person is located in Hungary, before the travel begins
Pre-existing health conditions excluded
Health insurance does not cover treatment or medication purchases related to any pre-existing health condition of the insured person
Assistance partner for claims and emergency services
Europ Assistance Magyarország Kft. handles all assistance services and claims settlement for K&H travel insurance