UNION Vienna Insurance Group Insurance Ltd.

Assistance call deadline

The insured event must be reported to the Assistance Service (+36 1 268 1388) without delay and, wherever objectively possible, within 48 hours of occurrence (§28.1.1).

Unauthorized treatment

If the insured/policyholder fails, through their own fault, to report the event within the 48-hour deadline, does not provide the necessary information, or prevents verification of that information, and this makes it impossible to establish facts material to the insurer's liability, the insurer's obligation to pay does not arise (§28.2). Services arranged without the insurer's or Assistance Service's prior approval are not reimbursed for the resulting extra costs (§28.4).

Purchase while abroad

The policy can only be concluded in Hungary before departure abroad (§3.3); a person who was not present in Hungary on the date the contract was concluded cannot be insured, except in the case of a term extension (§4.2).

Chronic conditions

A pre-existing ('fennálló') illness is one diagnosed before the first day of cover but not treated (outpatient or inpatient) in the preceding 6 months; if it later requires urgent care it is covered only up to the reduced pre-existing-condition sub-limit, not the full medical-expenses sum insured. Costs linked to chronic alcoholism and its consequences are excluded.

Pregnancy

Only medical/hospital costs of spontaneous miscarriage or premature birth up to the 28th week of pregnancy are covered (§9.1.12); antenatal care, obstetric care, routine check-ups and termination of pregnancy are excluded.

Pre-existing condition exclusions

Urgent-care costs for a condition diagnosed before cover began but untreated in the prior 6 months are paid only up to a reduced sub-limit (Horizont 10,000,000 Ft / Horizont Prémium 20,000,000 Ft / Városnéző Program+ 2,500,000 Ft), separate from and lower than the standard medical-expenses limit.

Coverage duration limit

Policy term is between 1 day and 1 year. If the insured is 80 or turns 80 during the term, the policy may run for a maximum of 30 days; travel to the American continent is also capped at 30 days. Annual passes are capped per trip: Éves bérlet 60 days, Európa Éves bérlet 180 days.

Pre-existing condition coverage

Reduced coverage for medical expenses arising from conditions diagnosed or treated before the first day of coverage

Repatriation of remains

Insurer organizes and covers costs of deceased insured person transportation to Hungary

Direct assistance service coordination

Insurer's Assistance Service organizes medical evacuation and repatriation directly; costs covered by insurer not beneficiary

48-hour claim notification requirement

Insured must notify insurer of medical event within 48 hours or coverage may not apply

Age 80+ medical coverage limitation

Persons aged 80+ covered only for accident-related medical treatment, not illness

Extreme and dangerous sports exclusion

Claims from extreme sports (scuba diving below 40m, skiing, mountaineering, motorsports) excluded

Territorial scope - worldwide except Hungary, with a defined 'Europe' zone

Coverage applies worldwide except Hungary (§8.1); §7.3 defines 'Europe' (incl. Egypt, all of Turkey, Tunisia, Morocco, Israel, Jordan, Cyprus, Madeira, Malta, Canary Islands and European parts of listed countries) as the base-rate zone, with Világ/Amerika surcharge packages required outside it; Horizont Éves/Horizont Prémium Éves annual passes exclude the American continent (§8.5). Városnéző Program+ is limited to Europe only (§22.4).

Insured must reside in Hungary at contract inception

Person cannot be insured if not present in Hungary on contract date; cannot work abroad 90+ days; exempt from foreign workers

Mandatory claim documentation requirements

Medical reports, police records (for accidents), receipts required for claim substantiation; insurer investigates within 15 workdays

Beneficiary designation procedure

Contractholder can designate beneficiary in writing; can change or revoke designation anytime before claim