UNIQA Travel insurance (Travel Medical Gopack)

The Prémium tier offers a very high HUF 250,000,000 sum insured for emergency medical treatment abroad, well above typical market minimums.

Repatriation of the insured and of mortal remains is covered without any monetary limit ('unlimited') in every tier, including the entry-level Standard package.

A 24/7 multilingual assistance hotline operated by Europ Assistance coordinates and, in most cases, directly settles medical costs abroad, avoiding upfront out-of-pocket payment.

The Prémium tier adds benefits rarely included as standard by competitors, such as glasses/contact lens replacement, an extra air/ship-disaster death benefit, and a daily hospital comfort allowance.

Assistance call deadline

The insured event must be reported without delay, at the latest within 24 hours where objectively possible, via the 24/7 assistance hotline (+36 1) 458-4484, 458-4485.

Unauthorized treatment

If the insured, through their own fault, fails to report the claim within 24 hours and this makes it impossible to clarify material circumstances of the claim, the insurer's obligation to pay does not arise.

Purchase while abroad

The policy is only validly concluded if taken out before departure from Hungary. If the insured is already abroad, only an extension of an existing valid policy is possible (subject to conditions), not the conclusion of a new policy.

Chronic conditions

For insureds under 70, named stable chronic diseases (diabetes, hypertension, non-dialysis chronic kidney disease, chronic heart disease without heart failure, balanced endocrine disorders, reflux) are covered if no hospital or outpatient treatment was required in the 6 months before travel; cover is then capped at 40% of the medical expense sum insured.

Section: D) Különös szerződési feltételek ("KSZF") > D.3. Biztosítási események, a biztosító szolgáltatásai > D.3.1. Baleset, betegség

Súlyos megbetegedés, betegség felléphet a Biztosítottnak a biztosítási szerződés megkötése előtt – alább felsorolt – már ismert és diagnosztizált krónikus (tartós) betegsége esetén is, amennyiben a Biztosított még nem töltötte be a 70. életévét, valamint a szerződés megkötését (éves bérlet esetén adott utazás kezdetét) megelőző 6 hónapban adott betegség kórházi vagy ambuláns kezelést nem igényelt (kivéve a kontroll vizsgálatokat).

Pregnancy

Emergency pregnancy/obstetric care is covered under the general medical sum insured up to the end of week 27; from week 28 cover is limited to Europe only and capped at HUF 1,000,000.

Pre-existing condition exclusions

The insurer does not provide cover for illnesses that required medical treatment or were already present within the six months before the start of the trip, except for the specifically listed stable chronic conditions.

Coverage duration limit

GoPack (daily-fee policy): fixed term of 1–365 days. MultiPack (annual policy): open-ended term renewed yearly, but each individual trip abroad is covered for a maximum of 40 consecutive days (extendable for a surcharge to 180/270/365 days).

Direct payment

The insurer generally settles costs directly with the assistance service provider (Europ Assistance) based on invoices issued in the insurer's name. If the insured pays for services out of pocket with the prior approval of the assistance provider, the provider reimburses the paying party up to the policy limit.