Feature / category	Balcia	BALTA	BTA	Compensa	ERGO	Gjensidige	If
Online purchase	Yes	Yes	Yes	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Medical expenses	Covered	€70,000 – €120,000	Covered	€10,000 – €110,000	€70,000 – €110,000	€45,000 – €110,000	€100,000 – €1,250,000
Medical transport	Covered	€70,000 – €120,000	Covered	€10,000 – €110,000	Unlimited	€900 – €2,200	€100,000 – €1,250,000
COVID-19 treatment	Covered	Excluded	Conditional	Excluded	€70,000 – €110,000	€45,000 – €110,000	Conditional
Personal liability	Optional	Optional	Optional	Optional	Optional	Optional	Optional
Emergency dental	Covered	€150 – €300	Covered	Covered	€200	€135 – €330	€500
Search & rescue	Not offered	Covered	Not offered	Covered	Conditional	Covered	Not offered
Legal assistance	Optional	Optional	Optional	Optional	Optional	Optional	Optional
Emergency medical treatment	Covered	€70,000 – €120,000	Covered	€10,000 – €110,000	€70,000 – €110,000	€45,000 – €110,000	€100,000 – €1,250,000
Hospitalization	Covered	€70,000 – €120,000	Covered	€10,000 – €110,000	€70,000 – €110,000	€45,000 – €110,000	Covered
Outpatient treatment	Covered	€70,000 – €120,000	Covered	€10,000 – €110,000	€70,000 – €110,000	€45,000 – €110,000	Covered
Medical evacuation	Covered	€70,000 – €120,000	Covered	€10,000 – €110,000	Unlimited	€900 – €2,200	€100,000 – €1,250,000
Repatriation of remains	Covered	€70,000 – €120,000	Covered	€10,000 – €110,000	Unlimited	€4,500 – €11,000	€100,000 – €1,250,000
Pre existing conditions	Excluded	Conditional	Conditional	Conditional	Conditional	Conditional	Excluded
Winter sports cover	Optional	Optional	Optional	Optional	Optional	Optional	Optional
Adventure sports cover	Optional	Optional	Optional	Optional	Optional	Optional	Optional
Pregnancy complications	Conditional	Conditional	Conditional	Conditional	Conditional	Conditional	Conditional