UNION Travel insurance (Vilagjaro Utasbiztositas)

Covers medical costs from accident or sudden illness abroad, payable only if urgent care (sürgős szükség) is required. In Europe: Horizont 50,000,000 Ft, Horizont Prémium 1,000,000,000 Ft, Városnéző Program+ 25,000,000 Ft (Europe-only product). Outside Europe: Horizont 30,000,000 Ft, Horizont Prémium 150,000,000 Ft.

Medical examination and treatment (§9.1.1-9.1.2) are paid from the same medical-expenses sum insured, activated only when an urgent-care (sürgős szükség) situation per §2.16/2.22 is documented.

Hospital treatment (§9.1.3) is not separately capped; it is paid from the overall medical-expenses limit for the chosen tier. Per §9.4 the insurer covers hospital costs until the insured's condition allows repatriation to Hungary for further treatment.

Outpatient examination and treatment costs (§9.1.1-9.1.2, 9.1.7-9.1.10) are paid from the overall medical-expenses limit, not as a separate sum insured.

Covers only urgent, pain-relieving dental treatment for up to two teeth in total (§9.1.11): Horizont 120,000 Ft, Horizont Prémium 160,000 Ft in total, within usual local dental fee levels. Definitive dental treatment, orthodontics, crowns, dentures and bridges are excluded.

The insurer arranges and pays 100% of the cost of ambulance or taxi transport to a doctor or hospital abroad when the insured is unable to travel independently (§11.1, §12.2).

If medically necessary and approved by the insurer, transport to Hungary by air ambulance, scheduled flight with medical/nursing escort, or ambulance is organised and paid 100% by the insurer (§11.2). Repatriation arranged without the insurer's prior consent is not reimbursed.

If the insured dies abroad, the insurer's Assistance Service arranges and pays 100% of the cost of transporting the deceased's body to Hungary; this also applies to non-Hungarian nationals insured under the policy (§11.3).

Covers the cost of locating and rescuing the insured, including helicopter rescue, when transport under §11 is not feasible or the insured's location is unknown: Horizont 2,500,000 Ft, Horizont Prémium 15,000,000 Ft (§13.7).

The terms contain no dedicated COVID-19 benefit; events linked to epidemic/public-health measures are excluded from cover (§25.1.7.1).

Reduced cover applies to urgent-care costs arising from a condition diagnosed before the first day of cover but not treated (outpatient or inpatient) within the preceding 6 months (§2.5): Horizont 10,000,000 Ft, Horizont Prémium 20,000,000 Ft, Városnéző Program+ 2,500,000 Ft.

Skiing, snowboarding and sledging are expressly excluded under §25.1.6 as dangerous sports, and they are not among the amateur sports reinstated by the optional Sport+ package (§21.1/21.4), so no tier of this product covers winter sports.

For an extra premium, the Sport+ package extends medical cover to listed amateur activities (bungee jumping, diving to 40m without a licence, mountain biking, hydrospeed/canyoning with a guide, archery, hot-air ballooning with a guide, horse riding, quad, rafting, wakeboard, §21.1) and to competitive sport, including training and training camps abroad, by insureds under 70 (§21.2); Sport+ can only be purchased by insureds under 70 (§21.6). High-risk/extreme sports (rugby, diving below 40m, skiing/snowboarding, rocky jumping, kitesurfing, hunting, motorsport, climbing, caving, parachuting, powered watercraft use, §25.1.6) remain excluded even with Sport+.

Medical and hospital costs related to spontaneous miscarriage or premature birth occurring up to the 28th week of pregnancy are covered from the medical-expenses limit (§9.1.12). Routine antenatal care, obstetric care, check-ups and termination of pregnancy are excluded (§25.2.13).

Covers third-party bodily-injury medical costs and, in case of death, reasonable burial costs caused abroad by the insured, for which the insured can be held legally liable: Horizont 1,000,000 Ft, Horizont Prémium 5,000,000 Ft (§14.1).

Covers lawyer's fees for defence against a misdemeanour or negligent criminal offence committed abroad during the policy period: Horizont 750,000 Ft, Horizont Prémium 3,000,000 Ft. A separate bail/expert-fee sub-limit of 1,500,000-3,000,000 Ft also applies (§13.10).