KÖBE Central European Mutual Insurance Association

Reimburses necessary and justified emergency medical treatment costs abroad (outpatient exams, medication, hospital treatment up to 30 days, surgery, etc.) up to HUF 50,000,000 per insured person.

Emergency medical treatment abroad is provided under the same 'Sürgősségi ellátás orvosi költségei' benefit line as medical expenses (see medical_expenses); no separate additional sum insured applies.

In-patient hospital treatment (room, use of operating theatre, intensive care, doctor's fee) is included within the overall medical expenses ceiling (HUF 50,000,000/person), limited to a maximum of 30 days of treatment. Separately, an accident-related hospital daily cash benefit of HUF 2,000/day (max. 50 days) is paid regardless of actual costs.

Outpatient medical examination and treatment abroad (ambulatory consultation, anaesthesia, laboratory tests) is included within the overall medical expenses ceiling of HUF 50,000,000 per person.

Emergency dental/oral surgery treatment for acute toothache or an accident-related injury is covered up to EUR 400 per tooth, for a maximum of 2 teeth per trip; dentures, crowns, bridge work and orthodontic/cosmetic dental treatment are excluded.

Emergency medical transport (ambulance, rescue helicopter or other specialised vehicle) to the nearest suitably equipped hospital is covered up to HUF 5,000,000 per person.

Organisation and cost of medically necessary return transport home once treatment is complete or the insured cannot continue the trip as planned is covered with no upper limit (unlimited).

If the insured dies abroad during the policy period, repatriation of the mortal remains to the deceased's last verified home/residence address is organised and paid with no upper limit (unlimited); coffin costs are separately reimbursed up to HUF 300,000.

Costs of organising the search for an insured person who has become untraceable abroad due to an accident or illness requiring urgent care are covered up to HUF 500,000.

Costs directly linked to a COVID-19 infection contracted during the trip are covered within the limit of the relevant benefit (e.g. medical expenses, hospitalisation), but only if the insured holds a valid certificate of at least two COVID-19 vaccine doses; cover does not apply if the insured tested positive, had known contact with an infected person in the 10 days before departure, or showed COVID-19 symptoms before departure.

Claims arising from illnesses, injuries or already-impaired organs/body parts that existed before the policy was taken out are excluded, including any related follow-up treatment or check-ups.

Recreational winter sports (skiing, cross-country skiing, snowboarding, guided/permitted off-piste skiing, sledging) are covered under the standard benefits with no separate sum insured or surcharge; unguided/unauthorised off-piste skiing, snowboarding and sledging are excluded as high-risk sports.

High-risk sports and activities (paragliding, hang-gliding, diving below 40m, mountaineering, hunting, shooting, paintball, base jumping, rafting, jet-skiing, motorsport, via ferrata, etc.) are excluded from the base policy, but in specific listed countries (per the Country-Specific Supplementary Services table) selected activities such as jet-ski, rafting, paragliding, mountain hiking/biking, and use of vehicles like quads/buggies are covered free of extra premium, subject to event-based limits (typically HUF 10,000).

Emergency pregnancy or obstetric care is covered (within the general medical expenses ceiling) only up to the end of the 26th week of pregnancy; from the start of the 27th week onward, and childbirth itself, are excluded.

Tourist (third-party) liability cover for bodily injury and related property damage unintentionally caused to third parties abroad is provided up to HUF 5,000,000 per contract; damage to family members, fellow travellers, other persons insured under the same policy, or employees is excluded. A separate hotel liability cover of HUF 500,000 (with 10% deductible) applies to damage caused to hotel/accommodation property.

Legal representation and attorney's fees arising from a road accident, negligence, criminal offence or listed sports activity abroad are covered up to HUF 2,000,000 per person. A related, separately limited refundable bail advance of up to HUF 3,000,000 per person is also available.

A free 24-hour, Hungarian-language emergency assistance telephone line operated by Europ Assistance Hungary (+36 1 236 75 58) is available throughout the trip for medical, travel and roadside emergencies.