SIGNAL IDUNA Biztosító Zrt. (SIGNAL IDUNA Insurance Company Ltd.)

Assistance call deadline

The insured event must be reported without delay, and at the latest within 48 hours of occurrence (where objectively possible), to the Assistance Service on its 24/7 line.

Unauthorized treatment

If the Insured/Policyholder fails, for reasons attributable to them, to report the event within 48 hours, provide required information, or allow verification of that information, and this makes it impossible to establish circumstances material to the Insurer's obligation, the Insurer's payment obligation does not arise.

Purchase while abroad

The policy must be concluded in Hungary before departure; a person who was not in Hungary on the day the contract was concluded cannot be Insured, except when extending an existing policy.

Chronic conditions

A pre-existing/chronic ('fennálló') illness is one diagnosed before the first day of coverage but not treated in the preceding 6 months. If it requires urgent care during the trip, medical costs are reimbursed up to the pre-existing-condition sub-limit shown in the benefits table, not the full medical sum insured.

Pregnancy

Only medical/hospital costs for spontaneous miscarriage or premature labour occurring up to the end of pregnancy week 28 are covered; prenatal care, obstetric care, pregnancy check-ups and termination of pregnancy are excluded.

Pre-existing condition exclusions

Costs from illnesses already existing and expected/likely to require treatment during the policy term are excluded, except for a sudden, unforeseeable deterioration of a condition diagnosed before but untreated in the 6 months before the first day of coverage, which is covered up to a separate, lower sub-limit (HUF 10,000,000 Horizont / HUF 20,000,000 Horizont Prémium).

Coverage duration limit

Policy term: minimum 1 day, maximum 1 year. If the Insured turns/is over 80 during the term, cover is limited to max. 30 days; travel to the Americas is also limited to max. 30 days. Annual Pass: max. 60 days per trip; Európa Annual Pass: max. 180 days per trip; Semi-Annual Pass: max. 45 days per trip. May be extended once, before expiry and subject to the Insurer's approval.

Trip cancellation protection

Optional additional protection covering accommodation and transportation costs if trip is cancelled due to illness or accident

Flight delay and baggage protection

Optional package protecting against flight delays exceeding 90 minutes, cancellations, and luggage damage

Sports activities protection

Optional package covering amateur and competitive sports activities, training camps, and sports equipment

Auto+ assistance package

Optional roadside assistance covering vehicle towing, roadside diagnostics, repair costs, and accommodation

Pre-existing condition coverage

Coverage for medical expenses arising from deterioration of previously diagnosed and/or treated conditions during travel

Age restrictions

Physical work package restricted to persons aged 18-70; certain benefits only for insured under age 80

Territorial scope restrictions

Coverage excludes certain high-risk countries and regions; different limits for Hungary-based accidents

Medical claims notification deadline

Medical expenses must be reported within 48 hours of the insurance event for full coverage eligibility

Repatriation requires insurer authorization

The insurer can organize and arrange repatriation of sick or injured insured persons to Hungary with medical escort if needed

Excluded professional activities

Physical work package excludes certain high-risk occupations including aircraft crew, ship personnel, and related positions