Magyar Posta Biztosító Zrt. (Hungarian Post Insurance Company)
PostaUtasŐr
PostaUtasŐr is a travel insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
The insurer's service primarily benefits the insured; costs are generally settled directly with the service provider issuing the invoice, unless the invoice has already been paid by the insured, in which case the insurer reimburses the person who settled it, within the contracted limit.
Geographic scope
Worldwide excluding the USA, Canada and Antarctica for most benefits; the Külföldön dolgozók/tanulók (workers/students abroad) package is restricted to Europe only
Coverage applies only to events occurring abroad (i.e. outside Hungary and outside the insured's home country), excluding the USA, Canada and Antarctica. Accidental death, permanent disability and air-disaster benefits also apply within Hungary during the outbound/return journey. Europe is defined to include the whole territory of Malta and Cyprus and the part of Russia west of the Urals. Destinations or regions listed as 'not recommended for travel' by the Hungarian Ministry of Foreign Affairs on the first day of travel are excluded. The Külföldön dolgozók/tanulók package only covers events within Europe.
Unique selling points
- The Prémium tier offers a medical expenses limit of up to 500 million HUF, far above typical market minimums for Hungarian travel insurance.
- A dedicated 24/7 Hungarian- and foreign-language assistance line operated by Europ Assistance Magyarország Kft. coordinates all emergency services.
- A dedicated Téli sport (winter sports) package reimburses unused ski passes and covers rental costs if unattended sports equipment is stolen.
- Pandemic-related cover (WHO phase 5/6 events) is retained, including mandatory first-test costs and automatic extension of risk period if return travel is blocked.
- Multiple purchase channels are available, including instant online issuance via postabiztosito.hu and in-person purchase at Hungarian post offices (the latter required for the Téli sport package).
Coverage limits
Medical expenses (accident/illness)
HUF 30,000,000 – HUF 500,000,000
Single aggregate limit per package covering medical treatment costs due to accident or illness abroad, together with medical transport, repatriation and repatriation of remains (these are not separate sums but share one combined limit per tier: Minimum 30M, Optimum 100M, Prémium 500M, Külföldön dolgozók/tanulók 30M, Téli sport 50M HUF).
Emergency medical treatment
HUF 30,000,000 – HUF 500,000,000
Covers medically necessary emergency treatment, examinations and urgent surgery abroad; shares the same aggregate limit as medical expenses/hospitalisation/transport/repatriation per package.
Hospitalisation
HUF 30,000,000 – HUF 500,000,000
Sürgősségi (emergency) inpatient hospital treatment abroad is covered within the shared medical aggregate limit. A separate daily hospital allowance of 10,000 HUF/day (max. 30 days) applies only if costs are covered via EHIC/other insurance and the insured waives the claim for those costs; not available under the Külföldön dolgozók/tanulók package.
Outpatient treatment
HUF 30,000,000 – HUF 500,000,000
Outpatient medical treatment and examinations abroad are covered within the shared medical aggregate limit per package.
Emergency dental care
HUF 80,000 – HUF 300,000
Direct pain-relief emergency dental treatment abroad, with a separate per-package limit: Minimum 80,000, Optimum 120,000, Prémium 300,000, Külföldön dolgozók/tanulók 120,000, Téli sport 120,000 HUF. Definitive dental treatment, orthodontics, crowns, dentures and periodontal treatment are excluded.
Medical transport (ambulance/mountain/water/helicopter rescue)
HUF 30,000,000 – HUF 500,000,000
Ambulance transport to a doctor or hospital, including justified mountain, water or helicopter rescue, is covered within the shared medical aggregate limit per package.
Medical evacuation / repatriation for further treatment
HUF 30,000,000 – HUF 500,000,000
The insurer arranges and covers transport of the sick/injured insured back to Hungary for further treatment, if the patient's condition allows, within the shared medical aggregate limit; costs arising after arrival in Hungary are not covered.
Repatriation of remains
HUF 30,000,000 – HUF 500,000,000
In the event of the insured's death, the insurer arranges and covers the transport of the body to Hungary, within the shared medical aggregate limit per package.
Search and rescue (mountain/water/helicopter)
HUF 30,000,000 – HUF 500,000,000
Justified mountain, water or helicopter rescue costs to reach a doctor or hospital are covered within the shared medical aggregate limit per package.
Pandemic-related treatment (incl. COVID-type events)
HUF 1,000,000
For illness caused by a WHO phase 5/6 pandemic, the insurer covers emergency treatment, arranging repatriation, the first authority-mandated test, and repatriation of remains, up to 1,000,000 HUF per insured (group policies: max. 30,000,000 HUF for the whole group). If return travel is not possible by the policy's expiry, cover is automatically extended up to 30 days after expiry.
Pre-existing conditions
Excluded
Claims resulting from a health condition, complaint or symptom that already existed before the trip/policy started, where emergency care is not warranted, are excluded; likewise excluded are consequences of an illness or injury for which the insured was already under medical treatment (or should have been) before the risk period began.
Winter sports cover
HUF 100,000
Recreational skiing and snowboarding are covered as standard leisure sport activities under all packages (equipment itself is not covered under the base fedezet). The dedicated Téli sport package (sold only at post offices) additionally reimburses an unused ski pass up to 100,000 HUF and covers rental costs for an unattended sports item stolen by an unknown perpetrator, also up to 100,000 HUF.
Extreme / competitive sports cover (rider)
Optional
Only in Optimum, Prémium
Available for an extra premium (Kiegészítő sportbiztosítás) covering named extreme sports and competitive sport participation, at the limit of the base package chosen; also includes sport liability cover of 2,000,000 HUF and ski-pass reimbursement of 30,000 HUF (Optimum) / 50,000 HUF (Prémium). Not available with Minimum, Téli sport or Külföldön dolgozók/tanulók packages, and not for anyone who reaches age 65 by the policy's expiry. The separately listed 'dangerous sports' (e.g. motorsport racing, mountaineering above 3000 m, BASE jumping, alpine ski racing) remain excluded even with this rider.
Pregnancy / childbirth complications
HUF 30,000,000 – HUF 500,000,000
Emergency pregnancy or obstetric care is covered only up to the end of the 28th week of pregnancy, within the shared medical aggregate limit per package.
Personal liability
HUF 1,000,000 – HUF 10,000,000
Covers personal-injury or property-damage claims caused by the insured to a third party as a cyclist, pedestrian or amateur sports participant, per package: Minimum 1,000,000, Optimum 2,000,000, Prémium 10,000,000, Külföldön dolgozók/tanulók 2,000,000, Téli sport 5,000,000 HUF. An optional Kiegészítő felelősségbiztosítás rider adds a further 10,000,000 HUF (not available with the Prémium package).
Legal assistance
HUF 250,000 – HUF 5,000,000
Only in Optimum, Prémium, Külföldön dolgozók/tanulók, Téli sport
Covers lawyer/expert fees for defending the insured in petty-offence or criminal proceedings abroad, or pursuing a claim after a personal-injury accident: Optimum 250,000, Prémium 5,000,000, Külföldön dolgozók/tanulók 250,000, Téli sport 500,000 HUF. Not available under the Minimum package. A separate limit covers bail/duties/court costs (Optimum/Külföldön dolgozók/tanulók 500,000, Prémium 5,000,000, Téli sport 1,000,000 HUF); free choice of lawyer is not guaranteed.
24/7 assistance line
Covered
A 24/7 Hungarian- and foreign-language assistance line is provided by Europ Assistance Magyarország Kft. (+36 1 423 4246), coordinating medical, transport and other emergency assistance services.
Key conditions
Assistance call deadline
The insured must notify the assistance partner (Europ Assistance) before arranging any medical or other emergency service; if the service was arranged without the insurer's/partner's organisation or approval due to the insured's fault, the insurer does not reimburse any resulting extra costs.
Unauthorized treatment
If a claim-related service is used without the insurer's or its assistance partner's organisation or approval, due to reasons attributable to the insured, the insurer's service does not extend to reimbursing the resulting extra costs.
Purchase while abroad
The policy may only be taken out by a person who is in Hungary at the time of conclusion. If a trip is unexpectedly extended, a new, directly continuing policy may be purchased once, from abroad, via www.postabiztosito.hu, no later than the last day of the first policy.
Chronic conditions
Claims resulting from an illness or injury the insured was already receiving treatment for (or should have been receiving treatment for) before the risk period began are excluded, as are costs exceeding the reasonable and customary charges of the country where treatment was received.
Pregnancy
Emergency pregnancy/obstetric care is covered only up to the end of the 28th week of pregnancy, within the general medical aggregate limit of the chosen package.
Pre-existing condition exclusions
Events resulting from a health condition, complaint or symptom already present before the trip or the start of cover, where emergency treatment is not warranted, are excluded from cover, as are conditions requiring treatment the insured was already or should already have been undergoing before risk inception.
Coverage duration limit
The Minimum, Optimum, Prémium and Téli sport packages can be taken out for 1–90 days; the Külföldön dolgozók/tanulók package for 91–365 days. Regardless of package, if the insured has already reached age 65, the policy can only be issued for a maximum of 30 days. The policy cannot be extended, but a single follow-on policy can be purchased from abroad if the trip is unexpectedly prolonged (see purchase_while_abroad).
Where to buy
Policy specifics
Emergency medical and hospital expenses
Coverage for emergency medical treatment and hospital expenses in case of accident or illness abroad. The coverage amount varies by selected package tier (up to 500 million HUF depending on package).
SourceEmergency transportation and medical repatriation
Coverage for emergency transportation of injured or ill persons, including medical repatriation to Hungary when necessary. Coordinated by assistance partner Europ Assistance Magyarország Kft., available 24/7.
SourceBaggage and travel documents insurance
Optional coverage for loss, theft, or damage to baggage and luggage during travel, and coverage for replacement of lost travel documents.
SourceTravel accident insurance
Coverage for accidental injury or death occurring during foreign travel.
SourceTravel assistance services
Includes additional assistance such as child repatriation, telephone call cost reimbursement, and other emergency assistance services during travel.
SourceMandatory prior authorization for emergency medical treatment
For medical emergency assistance, the insured person must contact the assistance partner (Europ Assistance Magyarország Kft.) immediately before any medical arrangements are made. Prior authorization is required to avoid delays and ensure proper coverage.
SourceGeographic coverage restrictions
The PostaUtasŐr travel insurance generally provides coverage for foreign travel to most countries worldwide, with specific exclusions. USA and Canada are expressly excluded. Coverage may have restrictions for certain high-risk countries as designated by the Hungarian Ministry of Foreign Affairs.
SourceAge eligibility and restrictions
The insured must not have reached their 81st birthday by the end of the insurance period. For travelers over 65 years of age, the maximum coverage period is limited to 30 days per trip.
SourceHungarian residency requirement
The insured must be a Hungarian citizen or a foreign citizen permanently registered in Hungary, living in Hungary, and have valid Hungarian social security (TAJ number). The insured must be located in Hungary at the time of contract conclusion.
SourceCoverage duration and renewal
PostaUtasŐr travel insurance is available for a defined period of 1-90 days per trip. For travelers over 65 years, the maximum period is 30 days per trip. The insurance covers only events occurring abroad during the validity period.
SourceMedical necessity requirement for coverage
Medical expenses are covered only when they are considered medically necessary and urgent. Non-urgent medical treatment costs and routine or elective procedures are explicitly excluded from coverage.
Source