UNION
UNION is a travel insurance for the HU market with online purchase and 24/7 assistance.
Direct payment
The insurer directly settles costs with the service provider or the party paying the service provider's invoice. If the insured paid at the scene after proper notification, the insurer reimburses after return to Hungary within 15 days of receiving all required documents. Reimbursement currency is Hungarian Forint; foreign currency claims are converted using the MNB exchange rate on the date of the loss event.
Geographic scope
HU
Worldwide excluding Hungary; European base rate covers Egypt, Turkey, Tunisia, Morocco, Israel, Jordan, Cyprus, Madeira, Malta, Canary Islands and all European countries; outside Europe surcharge applies; Americas max 30 days
Unique selling points
- Horizont Prémium offers Europe medical coverage of up to 1,000,000,000 HUF — among the highest limits on the Hungarian market.
- 24/7 Hungarian-language assistance helpline (+36 1 268 1388) organizes medical evacuation, emergency transport, and all covered services, reachable every day of the year.
- Terrorism-related medical and repatriation costs are covered up to 5,000,000 HUF per insured person even in destinations affected by terrorist incidents, with no additional premium.
- Full online purchase and issuance in minutes via the UNION calculator (utasbiztositas.union.hu), with the policy certificate delivered immediately by email.
- Children under 18 travel at 50% discount while receiving 100% of covered services, and the Útitárs group discount (5% for 3+ co-travelers) applies on top of any surcharge packages.
Coverage limits
Foreign medical expenses (accident and illness)
Covered
Covers medical expenses incurred abroad due to accident or sudden illness requiring emergency care, including physician visits, hospitalization, surgery, prescribed medications, medical equipment rental, and medical transport. In Europe (as defined): Horizont Prémium 1,000,000,000 HUF; outside Europe: 150,000,000 HUF. For Horizont package: Europe 50,000,000 HUF, outside Europe 30,000,000 HUF. Services only provided in case of emergency requiring immediate care.
Emergency medical treatment abroad
Covered
Emergency medical treatment including physician consultation, treatment, hospitalization, intensive care, urgent surgery, and prescribed medications is covered within the overall medical expense limits. Coverage is provided exclusively for conditions requiring immediate emergency care. The insurer arranges and pays for doctor dispatch to the insured's location. Insured must notify the assistance line within 48 hours of the event.
Hospitalization abroad
Covered
Hospital treatment costs abroad are covered within the overall medical expense limit. The insurer reserves the right to cover foreign hospitalization costs only until the insured's condition allows transport to Hungary for further treatment. For persons over 80 years, medical costs are covered only for injuries resulting from accidents.
Outpatient medical treatment abroad
Covered
Outpatient medical consultations, examinations, and treatments abroad are covered within the overall medical expense limit for conditions requiring emergency care. Also covers pre-existing conditions that have not been treated in the 6 months prior to coverage start: Horizont Prémium 20,000,000 HUF, Horizont 10,000,000 HUF (per Doc 1 service table).
Emergency dental treatment abroad
Covered
Covers emergency dental treatment abroad limited to direct pain relief only, for a maximum of two teeth, up to 200 EUR per tooth (Horizont Prémium) or 150 EUR per tooth (Horizont). Definitive dental treatment, orthodontics, periodontal treatment, scale-and-polish, non-emergency root canal treatment, dental prosthetics, crowns, and bridges are excluded.
Medical transport to doctor/hospital abroad
Covered
The insurer covers 100% of the costs of transporting the insured by ambulance or taxi to a doctor or hospital abroad when the insured is unable to walk. In emergencies, immediate medical assistance may be requested without insurer involvement. Also includes incidental costs (taxi, local transport tickets, calls to assistance service, accommodation) related to illness abroad up to 250,000 HUF (Horizont Prémium) or 100,000 HUF (Horizont).
Medical evacuation / repatriation to Hungary
Covered
The insurer arranges and fully covers (100%) the cost of transporting the sick or injured insured to a Hungarian hospital if the patient's condition allows or requires it, accompanied by a doctor or nurse if necessary. In the case of air evacuation, the insured is transported to the nearest hospital suitable for specialist treatment to the airport. Costs arising after transport to a Hungarian hospital are not covered. Repatriation organized without the insurer's prior consent is not reimbursed.
Repatriation of mortal remains to Hungary
Covered
In the event of the insured's death abroad, the insurer's assistance service arranges and fully covers (100%) the transport of the mortal remains to Hungary. Repatriation organized without the insurer's prior consent is not reimbursed.
Search, rescue and recovery costs
Covered
If transport as described cannot be arranged, or if the insured's location is unknown, the insurer organizes and covers search, rescue and recovery costs including helicopter rescue up to 15,000,000 HUF (Horizont Prémium) or 2,500,000 HUF (Horizont). This also applies to sport accidents during covered amateur sports activities.
COVID-19 medical treatment
Conditional
COVID-19 illness treatment abroad is covered within the standard medical expense limits for insured persons who hold a valid Hungarian-authority-issued or EU-issued vaccination/immunity certificate, and for co-traveling under-18 insured persons. Without such documentation, coverage is limited to Europe only, up to a maximum of 25,000,000 HUF, or the applicable standard coverage limit if lower. An optional COVID-19 Extra add-on (available for Horizont and Horizont Prémium) covers extra accommodation costs (350,000 HUF) and extra repatriation costs (250,000 HUF) due to pandemic quarantine.
Pre-existing conditions (reduced benefit)
Conditional
Medical costs arising from deterioration of a condition diagnosed and/or treated in the 6 months prior to the start of coverage are covered on a reduced basis: Horizont Prémium up to 20,000,000 HUF; Horizont up to 10,000,000 HUF (per current service table, Doc 1). A condition diagnosed before coverage but not treated within 6 months prior qualifies as a 'pre-existing condition' (fennálló betegség). Prescribed medications alone do not constitute treatment. Deterioration requiring immediate emergency care is covered; purely scheduled or elective treatment is not.
Winter sports coverage (HóBarát add-on)
Optional
Skiing and snowboarding on designated pistes is covered under the separate HóBarát (SnowFriend) travel insurance package. Off-piste skiing and snowboarding is covered only with the additional Sport+ package. The standard Világjáró Horizont/Horizont Prémium product explicitly excludes skiing, snowboarding, and sledding without the Sport+ add-on.
Adventure and extreme sports coverage (Sport+ add-on)
Optional
Optional Sport+ add-on package covers specific adventure and amateur sport activities including: bungee jumping, diving up to 40m (without certification), mountain biking, mountain trekking/hiking up to 3,500m, hydrospeed and canyoning (with certified guide), archery, hot air ballooning (with certified guide), horse riding, quad, rafting, wakeboarding, jet-ski, deep-sea fishing, paragliding, windsurfing, sailing, water skiing, kite surfing (without Sport+), kayaking, tennis. Available only up to age 70. Competitive sports and training also covered for under-18s with Sport+. Dangerous sports without Sport+ remain excluded.
Pregnancy complications (up to week 28)
Conditional
Medical and hospital costs arising from spontaneous miscarriage and premature birth occurring up to the 28th week of pregnancy are covered within the overall medical expense limit. Prenatal care, obstetric care, pregnancy-related check-ups, and abortion are explicitly excluded.
Personal liability insurance abroad
Covered
Covers costs of bodily injury caused by the insured to a third party abroad and death-related burial costs, up to 2,000,000 HUF (Horizont Prémium) or 750,000 HUF (Horizont), for which the insured is legally liable. Coverage extends to losses caused by the insured's grossly negligent conduct. Accommodation-related liability (damage to hotel/apartment/camping property) is covered separately up to 50,000 HUF (Horizont Prémium only) with a 5,000 HUF deductible.
Legal protection (attorney fees and bail abroad)
Covered
Legal protection covers attorney fees and bail/security deposit costs for proceedings initiated abroad against the insured for misdemeanours or negligent crimes, up to 3,000,000 HUF for attorney fees (Horizont Prémium) or 750,000 HUF (Horizont); and up to 3,000,000 HUF for bail/security and expert fees (Horizont Prémium) or 1,500,000 HUF (Horizont). The insurer also covers translator fees up to 100,000 HUF (Horizont Prémium) or 50,000 HUF (Horizont).
24/7 assistance service
Covered
The insurer provides a 24/7 assistance helpline (+36 1 268 1388) reachable any day of the week, at any time. Services include medical advice, dispatch or referral of a physician to the insured's location, continuous liaison with treating physicians and healthcare institutions, notification of next of kin, organization of emergency transport, and coordination of all covered assistance services. Insured must notify this line within 48 hours of any medical event.
Key conditions
Assistance call deadline
The insured or policyholder must notify the insurer's assistance service (+36 1 268 1388, available 24/7) of any medical event within 48 hours of occurrence. If notification is not made within this deadline due to reasons attributable to the insured, the insurer is not obligated to pay. If the insured is objectively incapacitated (documented by police report or medical documentation), the insurer may, on an equity basis, cover costs beyond the 1,000 EUR limit applicable to medical care obtained without prior authorization.
Unauthorized treatment
If the insured obtains medical treatment abroad without requesting the insurer's prior consent, costs above 1,000 EUR are not covered, except in genuine medical emergencies (as defined by the policy) or where the insured was objectively incapacitated. Repatriation and transport arranged without the insurer's prior consent are not reimbursed under any circumstances.
Purchase while abroad
The insurance contract may only be concluded in Hungary before the start of the trip, upon payment of the premium. The insurance cannot be purchased if the insured is not in Hungary on the day the contract is concluded (except for contract extensions). Extension of an active contract is possible once by calling the assistance line before 12:00 on the last working day before expiry, provided no insurance event has occurred.
Chronic conditions
Chronic diseases and conditions diagnosed before the start of coverage but not treated within the 6 months prior to coverage commencement are classified as 'pre-existing conditions' (fennálló betegség) and are covered on a reduced basis only (Horizont Prémium: up to 20,000,000 HUF; Horizont: up to 10,000,000 HUF per current service table). The mere taking of prescribed medication does not constitute 'treatment' for this purpose. Conditions requiring foreseeable treatment during the coverage period are not covered.
Pregnancy
Medical and hospital costs arising from spontaneous miscarriage and premature birth up to the 28th week of pregnancy are covered within the standard medical expense limits. Prenatal care, obstetric attendance, pregnancy-related check-ups, abortion, and planned procedures related to pregnancy are explicitly excluded from coverage.
pre_existing_conditions
A pre-existing condition (fennálló betegség) is defined as a condition diagnosed before the first day of coverage but not treated (outpatient or inpatient) within the 6 months preceding the start of coverage. If such a condition deteriorates during the trip requiring immediate medical care, it is covered on a reduced basis. Taking prescribed medication, getting prescriptions refilled for an existing condition, and tests or examinations that do not result in a change of therapy do not qualify as 'treatment'.
coverage_duration_limit
The insurance contract is for a fixed term, minimum 1 day and maximum 1 year. For insured persons who reach or exceed age 80 during the coverage period, the insurance may only be taken out for a maximum of 30 days. For travel to the Americas, the maximum coverage period is also 30 days. Annual pass coverage per trip is capped at 60 days (180 days for Europe Annual Pass). The contract may be extended once, provided no insurance event has occurred during the current period.
Where to buy
Policy specifics
Flight delay compensation
Optional Repülő+ and Repülő Extra add-on packages providing coverage for flight delays, cancellations, and reroutings
Sport+ coverage addon
Optional Sport+ supplementary package covering specific adventure and extreme sports activities
Winter sports coverage (HóBarát)
Specialized insurance package for skiing and snowboarding enthusiasts
Trip cancellation protection
Optional travel cancellation insurance available with Világjáró Horizont and Horizont Prémium packages
Vehicle assistance add-on (Autó+)
Optional vehicle roadside assistance package including breakdown recovery, repairs, and transport
Emergency medical repatriation
Coverage for repatriation costs when urgent medical treatment requires transport to Hungary
Pre-existing condition reduced benefit
Reduced coverage for medical conditions diagnosed or treated within 6 months prior to coverage start
Age-related coverage restrictions
Different coverage terms apply to insured persons over age 80 and specific age limits for add-on packages
Medical claim notification requirement (48 hours)
Insurance does not cover medical care costs if not reported to insurer within 48 hours of the event
Hungary residency requirement
Insured must be domiciled in Hungary at the time of contract conclusion
Competitive sports and training exclusion
Insurance does not cover participation in competitive sports or professional training
Hazardous and extreme sports exclusion
Dangerous or extreme sports activities excluded unless covered by Sport+ supplement
Non-recommended destination exclusion
Insurance claims not covered if the insured event occurs in destinations classified as non-recommended by Hungarian Ministry of Foreign Affairs
Intentional acts and gross negligence exclusion
Insurance does not cover losses caused intentionally or through gross negligence by the insured or contractor
War, civil unrest, and terrorism exclusion
Insurance does not cover losses arising from war, civil war, civil unrest, rebellion, or rioting
Family and group discounts available
Reduced premiums offered for children, groups of 10 or more, and multiple travelers (Útitárs discount)