AWP P&C S.A. Hungarian Branch (trading as Mondial Assistance Hungary)
Mondial Assistance
Mondial Assistance is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
The foreign illness/accident cover is classified as secondary insurance: if the policyholder has other applicable health insurance, that insurer must be claimed against first. Within its own coverage, Mondial Assistance's assistance centre organizes and settles emergency medical treatment directly with local providers via its 24/7 network.
Geographic scope
Worldwide for Smart and Safe tiers (excluding North Korea); Simple tier is worldwide except USA, Canada and North Korea
Simple cannot be purchased for travel to the USA or Canada; Smart and Safe are valid worldwide; all tiers exclude North Korea and countries on the Hungarian Ministry of Foreign Affairs' danger list
Unique selling points
- No upper age limit and no old-age surcharge, with trips insurable for up to 365 days.
- Medical expense cover reaches up to 200,000,000 HUF on the Safe tier, well above typical minimum levels.
- Own dedicated 24/7 medical assistance call centre available in Hungarian, not just English.
- Car-motor assistance for road trips across Europe is bundled with the Smart and Safe tiers.
- Accepted as proof of travel insurance for visa applications that require it.
Coverage limits
Medical expenses cover
HUF 30,000,000 – HUF 200,000,000
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).
Emergency medical treatment
HUF 30,000,000 – HUF 200,000,000
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).
Hospitalization (inpatient treatment)
HUF 30,000,000 – HUF 200,000,000
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
HUF 30,000,000 – HUF 200,000,000
Outpatient/ambulatory treatment abroad is covered within the tier's overall medical sum insured.
Emergency dental treatment
HUF 180,000
Only in Simple
Simple tier covers emergency dental treatment up to 180,000 HUF (sublimit within the medical sum insured). Smart and Safe tiers also cover emergency dental treatment within their higher medical sums insured, but no separate dental sublimit figure is stated in the reviewed sources for these tiers.
Transport to nearest hospital
HUF 1,500,000
Only in Simple
Simple tier covers transport to the nearest suitable hospital, including search and rescue costs, up to 1,500,000 HUF. Smart and Safe also cover professional rescue team search-and-rescue costs, but the exact sublimit for these tiers is not stated in the reviewed sources.
Medical evacuation/repatriation to home country
Covered
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.
Repatriation of remains / funeral costs
HUF 2,500,000 – HUF 5,000,000
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
HUF 1,500,000
Only in Simple
For the Simple tier, search-and-rescue costs are combined with transport to the nearest hospital under a joint 1,500,000 HUF limit. Smart and Safe also state that professional rescue-team search-and-rescue costs (including helicopter rescue, e.g. for winter sports) are covered, but no specific sublimit figure is disclosed in the reviewed sources for these tiers.
COVID-19 / pandemic illness treatment
HUF 30,000,000 – HUF 200,000,000
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).
Pre-existing condition exclusion
Excluded
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
Conditional
Only in Smart, Safe
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.
Adventure/water sports cover
Conditional
Only in Smart, Safe
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.
Pregnancy complications
No limit stated
Not specifically addressed as a standalone benefit in the reviewed sources.
Personal liability abroad
HUF 1,000,000 – HUF 10,000,000
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 (combined marketing figure) under Smart and Safe.
Legal assistance
No limit stated
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.
24/7 assistance service
Covered
A dedicated medical assistance call centre, staffed 24 hours a day/365 days a year and available in Hungarian, is included with all tiers to organize and provide emergency assistance worldwide.
Key conditions
Assistance call deadline
No specific numeric call deadline is stated in the reviewed sources; the policyholder is expected to contact the 24/7 assistance/medical call centre as soon as reasonably possible, and treatment must qualify as a genuine medical emergency to be reimbursed.
Unauthorized treatment
The reviewed documents do not specify an exact penalty percentage for treatment obtained without prior authorization; the insurer only reimburses reasonable and customary costs for care that qualifies as a medical emergency, and non-emergency or general care is excluded.
Purchase while abroad
The policyholder must have a permanent registered address in Hungary at the time of concluding the contract, and insured persons must be in Hungary when the insurance period begins, implying the policy is intended to be purchased before departure rather than while already abroad.
Chronic conditions
Chronic conditions treated in hospital or ambulatory care in the 12 months before the contract was concluded are excluded (e.g. heart disease, stroke, cancer, diabetes, migraine, epilepsy, multiple sclerosis), as are psychiatric/neurological conditions except on their first occurrence.
Pregnancy
Pregnancy-related conditions are not specifically addressed as a distinct topic in the reviewed sources.
Pre-existing condition exclusions
Coverage does not apply to pre-existing conditions for which the insured received hospital or ambulatory treatment within the 12 months preceding the conclusion of the contract.
Coverage duration limit
Policies can be taken out for stays of up to 365 days (Smart/Safe), with no upper age limit and no age-related surcharge for older travellers; the related car-motor assistance add-on can be purchased for up to 362 days.
Where to buy
Documents
IPID - Őrangyal Simple 2110
IPID
IPID - Őrangyal Smart 2110
IPID
IPID - Őrangyal Safe + Storno 2110
IPID
IPID - Őrangyal Simple + Storno 2110
IPID
Terms and Conditions - Őrangyal Simple 2110
Terms & conditions
Terms and Conditions - Őrangyal Simple + Storno 2110
Terms & conditions
Terms and Conditions - Őrangyal Safe 2110
Terms & conditions
Terms and Conditions - Őrangyal Smart 2110
Terms & conditions
Policy specifics
Trip cancellation protection
Coverage for cancellation costs when unable to travel due to covered events (illness, injury, death of family member, etc.)
SourceTravel delay protection
Reimbursement for accommodation and meal costs if travel is delayed due to covered reasons (minimum delay 8 hours required)
SourceTravel interruption coverage
Covers costs for early return or continuation of travel if unexpected circumstances force interruption during the trip
SourceSecondary coverage status
Foreign illness/accident insurance is classified as secondary; claims must be submitted first to primary health insurer if applicable
SourceMedical necessity requirement for coverage
Treatment must be medically necessary and emergency in nature; must be provided by licensed physician, dentist, hospital or qualified medical provider
SourceGeographic scope exclusion for Simple variant
Guardian Angel Simple variant cannot be purchased for travel to USA or Canada; Smart and Safe variants are valid worldwide
SourceSources
- https://www.mondial-assistance.hu/segitseg-rolunk/biztositasi-feltetelek.html
- https://www.mondial-assistance.hu/utasbiztositas/Egyeb-online-utasbiztositasaink/diakoknak/orangyal-utasbiztositas-fiataloknak.html
- https://www.mondial-assistance.hu/utasbiztositas/kulfoldre.html
- https://www.mondial-assistance.hu/utasbiztositas/kulfoldre/orangyal-utasbiztositas-utlemondasi-vedelemmel.html
- https://www.mondial-assistance.hu/utasbiztositas/kulfoldre/orangyal-utasbiztositas.html