Mondial Assistance Travel insurance (Orangyal)

Covers reasonable and customary costs of emergency medical/dental treatment abroad up to the sum insured, which varies by tier: 30,000,000 HUF (Simple), 100,000,000 HUF (Smart), 200,000,000 HUF (Safe).

Sudden, unexpected illness, injury or health-endangering condition abroad (including pandemic diagnoses such as COVID-19) is covered within the tier's overall medical sum insured (30M/100M/200M HUF).

Inpatient hospital treatment abroad is covered within the tier's overall medical sum insured; no separate hospitalization sublimit is stated in the reviewed documents.

Outpatient/ambulatory treatment abroad is covered within the tier's overall medical sum insured.

Emergency dental treatment is covered up to HUF 180,000 in every tier (within the overall medical sum insured).

Transport to the nearest suitable hospital is covered up to 1,500,000 HUF under Simple (combined with search-and-rescue costs). Under Smart and Safe, emergency transport (Sürgősségi szállítás) is covered at 100%, with no separate currency sublimit; the related search-and-rescue limit is 2,500,000 HUF under Smart and 3,000,000 HUF under Safe.

Medically necessary repatriation to Hungary is covered at 100% of costs (Simple tier), within the overall medical expense sum insured; the same benefit applies under Smart and Safe within their respective (higher) sums insured. Not stated as an unlimited/uncapped benefit.

Covers repatriation of the deceased's remains to Hungary, or funeral costs in the destination country, up to 2,500,000 HUF (Simple) or 5,000,000 HUF (Smart and Safe).

Search-and-rescue costs are covered up to 1,500,000 HUF under Simple (combined with transport to the nearest hospital), up to 2,500,000 HUF under Smart, and up to 3,000,000 HUF under Safe.

Sudden illness explicitly including pandemic or epidemic diagnoses such as COVID-19 is covered under the same medical expense sum insured as any other emergency illness (30M/100M/200M HUF depending on tier).

Coverage does not apply to conditions for which the insured received hospital or ambulatory treatment in the 12 months before the policy was concluded (e.g. heart disease, stroke, cancer, diabetes, migraine, epilepsy, multiple sclerosis).

Winter sports cover (skiing/snowboarding), including theft/damage of ski equipment, piste-closure and avalanche-related extra costs, and search-and-rescue/helicopter rescue, is included in the Smart and Safe tiers; it is not part of the Simple tier's coverage list.

Water sports activities (e.g. banana boat, parasailing, kitesurfing, windsurfing, water-skiing, sailing) are covered under the higher tiers as part of the sport-related benefits, marketed alongside the Smart/Safe cover.

Not specifically addressed as a standalone benefit in the reviewed sources.

Covers personal and property damage caused to third parties during the trip, up to 1,000,000 HUF under Simple and up to 10,000,000 HUF under each of Smart and Safe.

No standalone customer-facing legal assistance benefit is described in the reviewed sources; references to legal representation relate to the insurer's own claims-defense process, not a benefit for the policyholder.