Travel insurance — Latvia

[1] Medical expenses: Covered ↩

Balcia reimburses medically justified costs related to emergency treatment abroad following an Accident or Illness during the trip. The exact sum insured is fixed on the individual policy schedule and is not stated as a fixed figure in the T&Cs.

Medicīniski pamatotos izdevumus saistībā ar Tavu neatliekamu ārstēšanu Ārvalstīs;

[2] Medical transport: Covered ↩

Reasonable transport costs to/from the medical facility, and a substitute driver to bring the insured and travel companions home if illness/accident prevents the insured from driving and no companion holds a valid license.

Aizvietotāj transportlīdzekļa vadītāju, kas Tevi un personas, ar kurām Tu Ceļo, nogādās Mītnes valstī, ja Tavs veselības stāvoklis Nelaimes gadījuma vai Saslimšanas rezultātā liedz vadīta transportlīdzekli

[3] COVID-19 treatment: Conditional ↩

Pandemics and epidemics are excluded, except for Covid-19 and the mpox Clade Ib and Clade II strains; related medical and cancellation costs are covered on the normal terms.

pandēmijas un epidēmijas rezultātā, izņemot Covid-19, Clade 1b un Clade 2 apdrošināšanas gadījumā;

[4] Personal liability: Covered ↩

If the insured causes harm to a third party's life, health or property during the trip, Balcia covers material damages related to the third party's treatment or death, property damage mitigation, the third party's lost income, and previously agreed litigation costs. Excludes damage to family/household members, entities the insured represents, motorised land/water vehicles (except low-speed electric/non-motorised ones), and claims arising from traffic-rule violations.

materiālos zaudējumus, kas saistīti ar Trešās personas ārstēšanu vai nāvi; par bojājumu novēršanu vai mazināšanu, kas radušies Trešās personas īpašumam;

[5] Emergency dental: Conditional ↩

Dental treatment is covered only for acute pain/inflammation or emergency care needed as a result of an accident. Repair or replacement of damaged dentures (combined with glasses/hearing aids) is capped at EUR 200.

Izdevumus par sabojātu briļļu, dzirdes aparātu, zobu protēžu labošanu vai jaunu iegādi, kā arī Nelaimes gadījuma rezultātā bojātu drēbju labošanu vai jaunu iegādi, nepārsniedzot EUR 200;

[6] Search & rescue: See details ↩

Search and rescue costs are not provided as a separate benefit under the Terms and Conditions.

[7] Legal assistance: Covered ↩

Under the civil liability chapter, Balcia covers legal assistance costs if the insured accidentally or unknowingly fails to observe local rules/customs at the destination or breaches local regulations, causing harm to a third party's health or property; prior consent from Balcia is required before admitting fault or settling any claim.

Bez iepriekšēja saskaņojuma ar mums, neatzīsti savu vainu un neapmierini nekādas prasības pret Tevi.

[8] Emergency medical treatment: Covered ↩

Emergency medical treatment abroad due to a sudden Accident or Illness during the trip is covered as part of the medical expenses insurance; also includes dental treatment for acute pain/inflammation or emergency care after an accident, and OTC medication up to EUR 50.

Zobu ārstēšanas izdevumus tikai akūtu sāpju vai iekaisuma gadījumos vai neatliekamo palīdzību, kas nepieciešama Nelaimes gadījuma rezultātā; Izdevumus par Bezrecepšu medikamentiem ... nepārsniedzot EUR 50;

[9] Hospitalization: Covered ↩

Inpatient/hospital treatment costs abroad are covered under medical expenses. If the insured chooses treatment at a public-healthcare-system facility instead of private care, Balcia additionally pays EUR 25 per day in hospital, up to EUR 200. Companion accommodation/meals if hospitalization extends beyond the planned return date are covered up to EUR 500.

mēs Tev samaksāsim EUR 25 par katru dienu, ko atradies slimnīcā, bet ne vairāk kā 200 EUR

[10] Outpatient treatment: Covered ↩

Outpatient emergency treatment abroad is covered under the medical expenses benefit; no separate sub-limit.

Medicīniski pamatotos izdevumus saistībā ar Tavu neatliekamu ārstēšanu Ārvalstīs;

[11] Medical evacuation: Covered ↩

Balcia covers the insured's (and insured relatives') early/priority return to the home country if health condition, following an Accident or Illness, allows for such transport.

Tavu un Radinieku, kas apdrošināti ar šo apdrošināšanas līgumu, priekšlaicīgu atgriešanos Mītnes valstī;

[12] Repatriation of remains: Covered ↩

Covers transportation of the insured's remains, the coffin needed for transport, burial expenses, or cremation abroad and transport of the urn to the home country; these costs are reimbursed in any scenario not listed as an exception in the T&Cs.

Tavu mirstīgo atlieku transportēšanu, transportēšanai nepieciešamā zārka iegādi vai apbedīšanas izdevumus vai arī kremēšanas izdevumus Ārvalstīs un urnas transportēšanu uz Mītnes valsti (šie izdevumi tiek atlīdzināti jebkurā gadījumā, kas nav norādīts kā izņēmums šajos noteikumos)

[13] Pre existing conditions: Excluded ↩

The policy's definition of 'Illness' is limited to an unforeseen sickness or chronic-disease flare-up that had not manifested before the trip started; illnesses/injuries whose symptoms had already appeared before the trip are therefore excluded from medical expenses cover.

Saslimšana - neparedzama, pirms Ceļojuma sākuma neizpaudusies saslimšana vai hroniskas slimības saasinājums, kā rezultātā Tev ir nepieciešama neatliekamā medicīniskā palīdzība.

[14] Winter sports cover: Optional ↩

Piste skiing/snowboarding falls under 'Active recreation' (Aktīvā atpūta); Balcia may refuse to pay a claim arising while engaging in Active recreation unless the insurance policy states otherwise, meaning it must be specifically added/confirmed on the policy.

Tev nodarbojoties ar Aktīvo atpūtu, Ekstrēma sporta aktivitātēm, Bīstamām profesijām vai Tev piedaloties Profesionālās sporta sacensībās vai treniņos, ja vien apdrošināšanas polisē nav norādīts citādi;

[15] Adventure sports cover: Optional ↩

Extreme Sports Activities (e.g. mountaineering, motorsport, off-piste skiing, diving beyond 30m, skydiving) are excluded by default; Balcia may refuse a claim arising from such activities unless the policy explicitly states otherwise.

Tev nodarbojoties ar Aktīvo atpūtu, Ekstrēma sporta aktivitātēm, Bīstamām profesijām vai Tev piedaloties Profesionālās sporta sacensībās vai treniņos, ja vien apdrošināšanas polisē nav norādīts citādi;

[16] Pregnancy complications: Conditional ↩

Costs arising from pregnancy (from the 28th week) or childbirth are excluded, except when related to emergency care provided after an Accident.

grūtniecības (no 28. grūtniecības nedēļas) vai dzemdību dēļ, izņemot gadījumu, ja tas ir saistīts ar neatliekamās palīdzības sniegšanu pēc Nelaimes gadījuma;

[17] Medical expenses: €70,000 – €120,000 ↩

Core risk covering unforeseen medical and repatriation expenses abroad due to an accident, sudden illness or exacerbation of a chronic disease; typical sum insured ranges from 70,000 to 120,000 EUR, though higher or lower limits are possible depending on the policy.

medicīniskie izdevumi (70000-120000 EUR);

[18] Medical transport: €70,000 – €120,000 ↩

Transport for medical purposes during the trip, typically insured within the same 70,000-120,000 EUR range as medical expenses.

medicīnas transports (70000-120000 EUR);

[19] COVID-19 treatment: Excluded ↩

Losses related to swine flu, bird flu, a pandemic or epidemic, and diseases not yet known at the time the contract was concluded are excluded from cover.

saistībā ar cūku gripu, putnu gripu, pandēmiju vai epidēmiju, un slimībām, kas nebija atklātas apdrošināšanas līguma noslēgšanas brīdī;

[20] Personal liability: €30,000 – €50,000 ↩

Optional civil liability cover for damages caused to third parties while traveling, typically insured for 30,000 to 50,000 EUR.

civiltiesisko atbildību (30000-50000 EUR);

[21] Emergency dental: €150 – €300 ↩

Emergency dental treatment abroad, typically insured for 150 to 300 EUR.

zobārstniecība (150-300 EUR)

[22] Search & rescue: Covered ↩

Search and rescue expenses are included in some programmes within the medical expenses limit; no separate sum insured is published.

medicīniskie izdevumi (70000-120000 EUR);

[23] Legal assistance: €1,000 – €2,000 ↩

Optional cover for legal expenses incurred while traveling, typically insured for 1,000 to 2,000 EUR.

juridiskos izdevumus (1000-2000 EUR);

[24] Emergency medical treatment: Covered ↩

Emergency medical assistance is bundled within the general 'medical expenses' core risk; no separate sub-limit is stated.

[25] Hospitalization: Covered ↩

Hospitalization costs are covered under the general medical expenses core risk; no separate sub-limit is disclosed in the IPID.

[26] Outpatient treatment: Covered ↩

Outpatient treatment is bundled within the general medical expenses core risk; no separate sub-limit is stated.

[27] Medical evacuation: €70,000 – €120,000 ↩

Repatriation/evacuation of the sick or injured traveler to their home country, typically insured for 70,000-120,000 EUR.

slimnieka repatriācija (70000-120000 EUR);

[28] Repatriation of remains: €70,000 – €120,000 ↩

Repatriation of remains to the home country in case of death abroad, typically insured for 70,000-120,000 EUR; burial abroad is separately insured for 3,000-20,000 EUR.

repatriācija nāves gadījumā (70000-120000 EUR);

[29] Pre existing conditions: Excluded ↩

Losses are excluded if an acute illness or exacerbation of a chronic disease started before the insurance contract took effect, including dialysis, cirrhosis, multiple sclerosis, tuberculosis, oncological diseases and mental health problems diagnosed before the contract start.

ja akūta saslimšana vai hroniskas slimības paasinājums sācies pirms apdrošināšanas līguma darbības sākuma; saistībā ar dialīzi, cirozi, multiplo sklerozi, tuberkulozi, onkoloģiskām slimībām un psihiskās veselības problēmām, ja slimība diagnosticēta pirms apdrošināšanas līguma darbības sākuma;

[30] Winter sports cover: Conditional ↩

Losses arising from winter sports are covered only if the policy explicitly notes that this increased-risk activity is insured.

Ja zaudējumi rodas, nodarbojoties ar “Amatieru sportu”, “Ziemas sportu”, “Ekstrēmo sportu”, “Daivingu” vai “Fizisku darbu”, mēs tos sedzam tikai tad, ja polisē ir atzīme par to, ka attiecīgā paaugstinātā riska aktivitāte ir apdrošināta.

[31] Adventure sports cover: Conditional ↩

Losses arising from amateur sport, extreme sport or diving are covered only if the policy explicitly notes that the increased-risk activity is insured.

Ja zaudējumi rodas, nodarbojoties ar “Amatieru sportu”, “Ziemas sportu”, “Ekstrēmo sportu”, “Daivingu” vai “Fizisku darbu”, mēs tos sedzam tikai tad, ja polisē ir atzīme par to, ka attiecīgā paaugstinātā riska aktivitāte ir apdrošināta.

[32] Pregnancy complications: Conditional ↩

Expenses related to pregnancy complications are not reimbursed once the pregnancy exceeds 32 weeks, implying cover applies up to that point.

Netiek atlīdzināti izdevumi saistībā ar grūtniecības sarežģījumiem, ja grūtniecība pārsniedz 32 nedēļas.

[33] Medical expenses: €125,000 ↩

Covers unforeseen emergency medical expenses (ambulatory and inpatient treatment prescribed by a certified medical practitioner) up to 125,000 EUR; also includes acquisition of medical aids up to 150 EUR, subject to the actual sum insured chosen and depending on age, destination, trip duration and planned activities

Medicīniskie izdevumi līdz 125 000 EUR.

[34] Medical transport: €10,000 ↩

Covers costs of transporting the insured to the nearest medical facility able to provide emergency medical care, up to 10,000 EUR

Medicīniskā transporta izdevumi līdz 10 000 EUR.

[35] COVID-19 treatment: See details ↩

BAN offers separate Covid-19 risk terms; no specific coverage limit for Covid-19 treatment is stated in the IPID or policy terms for this product.

[36] Personal liability: €40,000 ↩

Optional additional risk, available if included in the offer, covering civil liability up to 40,000 EUR

Civiltiesiskā atbildība līdz 40 000 EUR.

[37] Emergency dental: €300 ↩

Covers emergency dental expenses up to 300 EUR; only treatment to relieve acute dental pain during the first visit is covered, follow-up treatment is excluded

Zobārstniecības izdevumi līdz 300 EUR.

[38] Search & rescue: See details ↩

Search and rescue is not listed as a separately covered risk in the IPID or policy terms.

[39] Legal assistance: €2,000 ↩

Optional additional risk, available if included in the offer, covering legal expenses up to 2,000 EUR

Juridiskie izdevumi līdz 2000 EUR.

[40] Emergency medical treatment: Covered ↩

Emergency medical treatment is covered within the overall 125,000 EUR medical expenses limit; no separate sub-limit is stated

[41] Hospitalization: Covered ↩

Inpatient/hospital treatment is covered within the overall 125,000 EUR medical expenses limit; no separate sub-limit is stated

[42] Outpatient treatment: Covered ↩

Ambulatory treatment prescribed by a certified medical practitioner is covered within the overall 125,000 EUR medical expenses limit

[43] Medical evacuation: €30,000 ↩

Covers repatriation of a sick or injured insured back to the home country, arranged via the assistance support desk, up to 30,000 EUR

Slimnieka repatriācija līdz 30 000 EUR un repatriācija nāves gadījumā līdz 15 000 EUR.

[44] Repatriation of remains: €15,000 ↩

Covers repatriation of the insured's remains to the home country up to 15,000 EUR; a separate sub-limit of up to 2,000 EUR applies for burial expenses abroad

Slimnieka repatriācija līdz 30 000 EUR un repatriācija nāves gadījumā līdz 15 000 EUR.

[45] Pre existing conditions: Excluded ↩

Excludes treatment for illnesses diagnosed before the contract was concluded, and any treatment that was planned or foreseeable before the trip; treatment linked to a genuine chronic disease exacerbation requiring emergency care is not excluded

Medicīniskajiem pakalpojumiem to slimību ārstēšanai, kuras Apdrošinātajam bija diagnosticētas vēl pirms Līguma noslēgšanas, ja tas nav saistīts ar Hroniskas slimības paasinājumu.

[46] Winter sports cover: Optional ↩

Recreational skiing and snowboarding (on-piste) are covered within the standard limits only if noted on the policy; off-piste skiing/snowboarding, heli-skiing, alpinism and similar high-risk winter activities are always excluded, and cover does not apply during competitions or training

Nodarbojoties ar paaugstināta riska sporta aktivitātēm (t. sk. slēpošanu, snovbordu, daivingu, kalnu tūrismu, kaitbordu u.c.) atpūtas nolūkā vai veicot fizisku darbu ceļojumu laikā, apdrošinātie riski ir spēkā tikai tad, ja apdrošināšanas polisē ir atzīme par to, ka segums ir spēkā iepriekš minēto aktivitāšu laikā.

[47] Adventure sports cover: Optional ↩

Activities such as diving (up to 30 m), mountain tourism and kiteboarding can be covered only if endorsed on the policy; canyoning, rock climbing, paragliding, speleology, motorsport, diving deeper than 30 m and similar activities are always excluded, and cover does not apply during competitions or training

Apdrošinātajam nodarbojoties ar šādiem sporta veidiem – alpīnisms, frīstails, heli-bordings, heli-slēpošana, izpletņu lēkšana, kalnu slēpošana ārpus trases, kalnu riteņbraukšana, kanjonings, klinšu kāpšana, motosports, niršana dziļāk par 30 (trīsdesmit) metriem, paraglaidings, skijorings, snovbords ārpus trases, speleoloģija, tramplīnlēkšana vai citādi pakļaujot sevi paaugstinātam riskam.

[48] Pregnancy complications: Conditional ↩

Emergency medical expenses related to pregnancy complications are reimbursed only up to the 24th week of pregnancy

Neatliekamās medicīniskās palīdzības izdevumi, kas ir saistīti ar grūtniecības sarežģījumiem, tiek atlīdzināti līdz grūtniecības 24 (divdesmit ceturtai) nedēļai.

[49] Medical expenses: Covered ↩

Covers medical expenses arising from a sudden acute illness (not manifested before the contract), an exacerbation of a chronic illness, or an accident during the trip, until return to the home country is possible, capped at 30 days from hospitalisation. Minimum sum insured EUR 10,000; maximum sum insured is not limited. Under the 'residence permit' endorsement the limit is reduced to EUR 750 per event with a EUR 50 deductible and chronic exacerbation is excluded.

Medicīniskie izdevumi – BTA kompensē šādus Ceļojumu laikā radušos izdevumus saistībā ar Klienta akūtu slimību ... līdz brīdim, kad kļūst iespējama Klienta pārvešana uz Mītnes zemi, bet ne ilgāk kā 30 dienas no stacionēšanas brīža

[50] Medical transport: Covered ↩

Included within the Medical Expenses limit (min. EUR 10,000): transport costs to the treatment facility and back to accommodation; hire/purchase of doctor-prescribed short-term technical aids (e.g. crutches, orthosis) is capped at EUR 300.

transportēšanas izdevumus līdz ārstniecības iestādei, kurā sniedz Neatliekamo medicīnisko palīdzību, un no ārstniecības iestādes līdz naktsmītnei.

[51] COVID-19 treatment: €40,000 ↩

COVID-19 medical, repatriation, evacuation and companion-travel costs are covered up to a combined total of EUR 40,000; trip cancellation or interruption due to COVID-19 requires selecting the optional 'COVID-19 saslimšanas apdrošināšana' additional risk.

Ja Apdrošinātajam ir diagnosticēta saslimšana ar COVID-19 (slimība, ko izraisa koronavīruss SARS-CoV-2), apdrošināšanas atlīdzība tiek izmaksāta tikai par apdrošinātajiem riskiem “Medicīniskie izdevumi”, “Repatriācija”, “Medicīniskā evakuācija”, “Izdevumi cietušā pavadītājam” nosakot maksimālo apdrošināšanas atlīdzības apmēru 40 000 EUR.

[52] Personal liability: — ↩

Optional additional risk covering damage the client causes to a third party's health or property during the trip; minimum liability limit EUR 10,000, maximum not limited.

Civiltiesiskā atbildība. Minimālais atbildības limits 10 000 EUR;

[53] Emergency dental: Covered ↩

Covers costs of emergency dental treatment; minimum sum insured EUR 100. Under the 'residence permit' endorsement, only pain-relief and temporary measures are reimbursed.

Neatliekamā stomatoloģiskā palīdzība – BTA kompensē izdevumus, kas radušies saistībā ar neatliekamo stomatoloģisko palīdzību.

[54] Search & rescue: See details ↩

No separate search and rescue benefit.

[55] Legal assistance: — ↩

Optional additional risk covering translation or legal service costs incurred if the client unknowingly breaches local customs or regulations, causing loss to a third party; minimum sum insured EUR 1,000.

Juridiskā palīdzība. Minimālā apdrošinājuma summa 1 000 EUR;

[56] Emergency medical treatment: Covered ↩

Included within the Medical Expenses limit (min. EUR 10,000). Covers emergency surgery performed within 72 hours of an accident where non-treatment would endanger life; cardiac/cardiovascular surgery and pacemaker implantation linked to emergency care is capped at EUR 5,000.

par neatliekamām ķirurģiskajām operācijām, kas veiktas 72 stundu laikā pēc negadījuma un kuru neveikšana apdraud Klienta dzīvību

[57] Hospitalization: Covered ↩

Included within the Medical Expenses limit (min. EUR 10,000); inpatient treatment is covered until discharge from hospital, but no longer than 30 days from the date of hospitalisation.

līdz brīdim, kad kļūst iespējama Klienta pārvešana uz Mītnes zemi, bet ne ilgāk kā 30 dienas no stacionēšanas brīža

[58] Outpatient treatment: Covered ↩

Included within the Medical Expenses limit (min. EUR 10,000). For outpatient care, 'emergency medical assistance' is defined as the first doctor's visit only; repeat visits (e.g. follow-up X-ray, cast removal, stitch removal) and planned treatment are excluded.

ambulatorās ārstēšanas gadījumā – pirmā vizīte pie ārsta;

[59] Medical evacuation: Covered ↩

Covers return of the client to the home country after the Medical Expenses risk has occurred, including new transport tickets, an escort's ticket if needed, and accommodation up to EUR 100/night for up to 3 nights if the return flight is missed due to hospitalisation. Minimum sum insured EUR 10,000.

Medicīniskā evakuācija – BTA kompensē šādus izdevumus par Klienta atgriešanos Mītnes zemē, ja ir iestājies Apdrošinātais risks "Medicīniskie izdevumi"

[60] Repatriation of remains: Covered ↩

Covers transport of the deceased client's remains to the home country airport (by air) or morgue (by other transport), or burial/cremation costs in the country of death if agreed with BTA. Minimum sum insured EUR 10,000; if transport is to a home-country destination other than Latvia, reimbursement is capped at the cost of transport to Latvia.

Repatriācija – BTA kompensē izdevumus, kas radušies saistībā ar: a) Klienta mirstīgo atlieku pārvešanu līdz Mītnes zemes lidostai, ja transportēšanu veic ar lidmašīnu, vai līdz morgam

[61] Pre existing conditions: Excluded ↩

Medical expenses for an illness that had already manifested before travelling/before the contract was concluded are not covered; only newly-manifested acute illness, chronic disease exacerbation, or accident are covered.

Netiek atlīdzināti zaudējumi, ja apdrošināšanas gadījums iestājies pirms apdrošināšanas līguma noslēgšanas.

[62] Winter sports cover: Optional ↩

Skiing and snowboarding on specially equipped trails is covered only if the policy's 'Additional Conditions' section states 'Increased-risk activities'; skiing/snowboarding off equipped trails remains excluded even then.

slēpošanu, snovošanu ārpus īpaši šim nolūkam aprīkotām trasēm.

[63] Adventure sports cover: Optional ↩

If the policy's 'Additional Conditions' section states 'Increased-risk activities', cover extends to amateur competitions, sports camps, diving to 30m, mountain trekking up to 4,500m without climbing gear, motorsport, motorcycles/quads up to 125cc/15kW, mountain/BMX/MTB cycling, windsurfing/surfing/kiteboarding/waterskiing/sailing within 24 nautical miles, and combat sports; acrobatics/stunts, alpinism, heliskiing, waterfall jumps, wingsuit flying, professional motosport, parkour, diving beyond 30m and off-piste skiing remain excluded.

Ja Apdrošināšanas polisē sadaļā "Papildu nosacījumi" ir norādīts "Paaugstināta riska aktivitātes", apdrošināšana ir spēkā:

[64] Pregnancy complications: €1,000 ↩

Emergency medical expenses for pregnancy complications, including ectopic pregnancy, are covered up to EUR 1,000, provided the pregnancy does not exceed 32 weeks.

kas saistīti ar Neatliekamo medicīnisko palīdzību Klienta grūtniecības sarežģījumu gadījumā, tostarp tādu, kas saistīti ar ārpusdzemdes grūtniecību, nepārsniedzot 1 000 EUR, ja grūtniecības ilgums nepārsniedz 32 nedēļas

[65] Medical expenses: €10,000 – €110,000 ↩

The core 'Medical expenses and health' risk block (emergency treatment, hospitalization, medical transport, repatriation, burial expenses and medical aids) carries a sum insured of 10,000 to 110,000 EUR depending on the selected programme tier; the exact sum insured for the chosen tier is stated in the individual policy.

Apdrošinājuma summa no 10 000 EUR līdz 110 000 EUR.

[66] Medical transport: Covered ↩

Transport of an insured injured or suddenly ill person to the nearest medical facility abroad (and, where arranged, to a facility in the home country) is covered within the overall medical sum insured; no separate numeric sub-limit is stated in the terms.

Apdrošinātājs sedz transportēšanas izdevumus, kas radušies cietušā Apdrošinātā transportēšanai pa ārvalsts teritoriju, nepārsniedzot Apdrošināšanas segumā minēto maksimālo Apdrošinājuma summu medicīniskā transporta riskam.

[67] COVID-19 treatment: Excluded ↩

Losses arising from a pandemic or global-scale epidemic, and related safety measures (e.g. flight cancellations, entry/exit bans in the affected region), are excluded under the general exceptions, unless the policy explicitly states otherwise.

Pandēmija – zaudējumi, kas radušies pandēmijas vai citas globāla mēroga epidēmijas un ar to saistīto ieviesto drošības pasākumu dēļ, piemēram, lidojumu atcelšana, izceļošanas vai ieceļošanas liegums epidēmijas vai pandēmijas skartajā reģionā;

[68] Personal liability: €250 – €50,000 ↩

Personal liability for unintentional bodily injury or property damage caused to a third party during the trip is available depending on the selected programme, with a liability limit of 250 to 50,000 EUR; a claim must be submitted within the policy period or within 30 days after it ends.

ATBILDĪBA – Personiskā civiltiesiskā atbildība, Juridiskā palīdzība, Tulka palīdzība. Apdrošinājuma summa no 250 EUR līdz 50 000 EUR.

[69] Emergency dental: Covered ↩

Emergency dental treatment for acute toothache or dental trauma is covered (consultation, X-ray, root canal opening/cleaning, extraction, filling); no separate sub-limit is stated, it is covered within the tier's overall medical sum insured.

Tiek apmaksāti medicīniskie izdevumi par stomatoloģiskajiem pakalpojumiem, kas Apdrošinātajam sniegti akūtu zobu sāpju vai zobu traumu gadījumos, ko apliecina ārsta izsniegta izziņa ar precīzi norādītu diagnozi.

[70] Search & rescue: Covered ↩

Documented search and rescue costs are reimbursed, up to the sum insured stated in the individual policy, if the insured becomes lost during the trip and search/rescue is performed by a foreign authority or specialized service, provided the costs are not covered under other applicable regulations.

Apdrošinātājs, nepārsniedzot Polisē norādīto Apdrošinājuma summu konkrētajam riskam, atlīdzina faktiskos un dokumentāli pierādāmos izdevumus par Apdrošinātā meklēšanas un glābšanas darbiem...

[71] Legal assistance: €250 – €50,000 ↩

Reasonable, pre-agreed costs of foreign legal assistance (e.g. following a traffic accident, minor administrative offence, or as an injured party or accused) are covered within the same 'Liability' risk block sum insured of 250 to 50,000 EUR, depending on the selected programme.

ATBILDĪBA – Personiskā civiltiesiskā atbildība, Juridiskā palīdzība, Tulka palīdzība. Apdrošinājuma summa no 250 EUR līdz 50 000 EUR.

[72] Emergency medical treatment: €10,000 – €110,000 ↩

Emergency medical treatment for sudden illness, accident, or acute deterioration is covered for up to 30 days per insured event, within the tier's overall medical sum insured (10,000-110,000 EUR).

Apdrošinātājs apmaksā izdevumus par Apdrošinātajam sniegto neatliekamo medicīnisko palīdzību un/vai viņa stacionēšanu, taču ne vairāk kā par 30 (trīsdesmit) dienām par vienu Apdrošināšanas gadījumu un nepārsniedzot maksimālo Apdrošinājuma summu, saskaņā ar šo Apdrošināšanas noteikumu 1.12. punktu.

[73] Hospitalization: €10,000 – €110,000 ↩

In-patient treatment (diagnostics, treatment, and emergency surgery needed to avert an immediate threat to life or health) is covered within the tier's medical sum insured; an additional 20 EUR/day hospital cash benefit is paid on top for stays of at least 48 hours.

Apdrošinātājs izmaksā Apdrošināšanas atlīdzību par katru slimnīcā pavadīto dienu 20 EUR (divdesmit eiro) apmērā.

[74] Outpatient treatment: €10,000 – €110,000 ↩

Outpatient consultations, manipulations and diagnostics needed for emergency treatment are covered within the tier's medical sum insured.

Saņemot medicīniski nepieciešamo ambulatoro vai stacionāro palīdzību, Apdrošinātajam tiek atlīdzināti izdevumi par ārsta izrakstītajiem medikamentiem...

[75] Medical evacuation: Covered ↩

If medically justified, the insurer/Assistance Service organizes and pays for the insured's evacuation/repatriation to the home country when the person cannot travel unassisted after hospitalization; an accompanying medical escort is covered up to 1,000 EUR where required by the medical condition.

pavadošo medicīnisko personālu, ja situācijas nopietnība to prasa (limits – 1000 EUR (viens tūkstotis eiro));

[76] Repatriation of remains: €1,000 ↩

In case of death abroad, the insurer/Assistance Service organizes transportation of the remains to the home country; coffin acquisition costs for the repatriation, or cremation/burial abroad as an alternative, are capped at 1,000 EUR, within the overall medical sum insured.

Izdevumi par zārku tiek apmaksāti, nepārsniedzot 1000 EUR (vienu tūkstoti eiro).

[77] Pre existing conditions: Excluded ↩

Treatment of an illness diagnosed before the insurance contract took effect is excluded, except for the acute exacerbation of a chronic or congenital condition, which is covered up to 1,500 EUR for a maximum of 5 days from the first doctor visit/hospitalization.

par hronisku vai iedzimtu slimību ārstēšanu, izņemot akūtu hroniskas slimības saasināšanos (saskaņā ar šo noteikumu 2.5. punktu);

[78] Winter sports cover: Optional ↩

Winter sports (e.g. skiing, snowboarding, skating, sledding) are covered only if the insured has purchased the dedicated 'Winter activities/sport' programme; cover applies only on pistes specially designated, prepared and equipped for the purpose - off-piste incidents are excluded.

kas radušies, nodarbojoties ar ziemas sporta veidiem ārpus speciālām, šim nolūkam īpaši ierīkotām, speciāli apstrādātām un aprīkotām trasēm;

[79] Adventure sports cover: Optional ↩

Medium, high and very high-risk activities (e.g. mountaineering, rafting, diving beyond 10m, motorsport) require purchase of the corresponding 'Active leisure/sport' risk-class programme; short, unplanned low-risk activities organized as tourist add-ons are covered automatically without extra premium.

dodas ceļojumā ar nolūku nodarboties ar paaugstināta riska hobijiem, sportu un/vai sporta aktivitātēm, kurās Apdrošinātais ir pakļauts lielam ievainojumu gūšanas riskam, apdrošināšana ir spēkā, ja ir iegādāta atbilstoša speciālā “Aktīvās atpūtas/sporta programma”

[80] Pregnancy complications: €1,500 ↩

Emergency care for pregnancy complications is covered up to 1,500 EUR, on condition the pregnancy does not exceed 30 weeks and the pregnant traveller can present a fitness-to-travel certificate from her home-country doctor, issued no earlier than one week before the trip's start.

Apdrošinātājs atlīdzina izdevumus par neatliekamo medicīnisko palīdzību grūtniecības sarežģījumu akūtā gadījumā, nepārsniedzot 1500 EUR (vienu tūkstoti piecsimt eiro), ja grūtniecība nepārsniedz 30 (trīsdesmit) nedēļas...

[81] Medical expenses: €70,000 – €110,000 ↩

Covers unforeseen expenses linked to sudden illness or accident during travel (medical care, medical transport, medication, repatriation, family travel or funeral costs); sum insured EUR 70,000-110,000 depending on the selected programme (Standard, Extended, Premium); under the Individual programme the customer selects the sum insured

Medicīniskā palīdzība — neparedzēti izdevumi saistībā ar apdrošinātās personas pēkšņu veselības stāvokļa pasliktināšanos vai nelaimes gadījumu... Apdrošinājuma summa no 70 000 EUR līdz 110 000 EUR.

[82] Medical transport: €70,000 – €110,000 ↩

Covers emergency medical transport/ambulance or taxi abroad to reach a doctor or medical facility, and pre-agreed onward transport to a hospital in the home country following repatriation; within the shared Medical Assistance sum insured

Apdrošinātājs atlīdzina Apdrošinātajam izdevumus par Neatliekamās medicīniskās palīdzības transportu vai taksometru Ārzemēs, lai nokļūtu līdz ārstam vai ārstniecības iestādei, kur Apdrošinātajam sniegta Neatliekamā medicīniskā palīdzība.

[83] COVID-19 treatment: See details ↩

COVID-19 treatment abroad is covered as an acute illness within the shared Medical Assistance sum insured (EUR 70,000-110,000); ERGO sets no preconditions on prior COVID-19 illness, vaccination or territory, and pays medical costs even without an EHIC

tiek apmaksāti medicīniskie izdevumi arī gadījumā, ja apdrošinātajai personai nav EVAK(Eiropas veselības apdrošināšanas kartes)

[84] Personal liability: €30,000 – €80,000 ↩

Additional risk available depending on the selected insurance programme; covers damage caused to a third party's health or property during the trip, up to a liability limit of EUR 30,000-80,000

Privātā civiltiesiskā atbildība — civiltiesiskā atbildība gadījumā, ja nodarīti zaudējumi trešām personām. Apdrošinājuma summa no 30 000 EUR līdz 80 000 EUR.

[85] Emergency dental: Covered ↩

Covers dental costs abroad arising from acute illness or trauma: consultation, X-ray, root canal opening/cleaning, temporary filling, tooth extraction; included within the shared Medical Assistance sum insured

Apdrošinātājs atlīdzina Apdrošinātajam Ārzemēs radušos zobārstniecības izdevumus akūtos saslimšanas vai traumas gadījumos par: ārsta konsultāciju; rentgenogrammu diagnozes precizēšanai; zobu kanālu atvēršanu un tīrīšanu; pagaidu plombas ielikšanu; zoba ekstrakciju.

[86] Search & rescue: €70,000 – €110,000 ↩

Rescue service costs are reimbursed only if followed by covered emergency medical treatment; within the shared Medical Assistance sum insured

Apdrošinātājs atlīdzina glābšanas dienesta pakalpojumus, ja tiem seko Neatliekamās medicīniskās palīdzības sniegšana Apdrošinātajam atbilstoši šo noteikumu III nodaļas 5.1.1. punktā noteiktajam.

[87] Legal assistance: Optional ↩

Covers legal assistance (attorney fees) abroad if the insured unintentionally breaches local traditions, behavioural norms or laws during the trip, causing damage to a third party; available as a selectable risk, e.g. under the Individual programme

Apdrošinātājs apmaksā Apdrošinātajam radušos zaudējumus, nepārsniedzot Apdrošinājuma summu, sakarā ar juridiskās palīdzības (advokāta honorāru) apmaksu Ārzemēs, ja Apdrošinātais Ceļojuma laikā neapzināti neievēro attiecīgās valsts noteiktās tradīcijas un attiecīgajā valstī pieņemtās uzvedības normas...

[88] Emergency medical treatment: €70,000 – €110,000 ↩

Reimburses ambulatory and inpatient medical services abroad, including emergency operations and therapy, until the insured can be transported to the home country; covered within the shared Medical Assistance sum insured (EUR 70,000-110,000)

ambulatori un stacionāri sniegtiem medicīniskiem pakalpojumiem, ieskaitot akūtas operācijas, kā arī terapiju līdz brīdim, kad Apdrošināto var transportēt uz Mītnes zemi.

[89] Hospitalization: €70,000 – €110,000 ↩

Covers inpatient stay, catering, care, diagnostics and doctor-prescribed procedures during hospitalization abroad, within the shared Medical Assistance sum insured

uzturēšanos, ēdināšanu un aprūpi stacionārā;

[90] Outpatient treatment: €70,000 – €110,000 ↩

Covers ambulatory medical consultations, diagnostics and prescribed medication/dressing materials abroad, within the shared Medical Assistance sum insured

diagnostiku (funkcionālo, laboratorisko, instrumentālo);

[91] Medical evacuation: €70,000 – €110,000 ↩

Covers rescue-service costs (e.g. mountain/helicopter rescue) when followed by emergency medical treatment covered under the policy, within the shared Medical Assistance sum insured

Apdrošinātājs atlīdzina glābšanas dienesta pakalpojumus, ja tiem seko Neatliekamās medicīniskās palīdzības sniegšana Apdrošinātajam atbilstoši šo noteikumu III nodaļas 5.1.1. punktā noteiktajam.

[92] Repatriation of remains: €70,000 – €110,000 ↩

Covers repatriation of the insured or their remains (coffin/urn and transport, related documents and permits) if medically justified and recommended in writing by the treating physician, or pre-agreed burial abroad; within the shared Medical Assistance sum insured

Apdrošinātājs atlīdzina izdevumus, kas saistīti ar Apdrošinātā Repatriāciju, kas seko medicīniskās palīdzības saņemšanai atbilstoši šo noteikumu III nodaļas 5.1.1. punktā noteiktajam vai Apdrošinātā nāvei, ja saistībā ar to ir radušies papildu izdevumi.

[93] Pre existing conditions: Conditional ↩

Exacerbation of a chronic illness is covered for up to 5 days from the first doctor visit, and only once per contract period for the same chronic condition; medication that had to be taken regularly before the trip due to an existing illness is not covered

[94] Winter sports cover: Conditional ↩

Skiing, snowboarding and snowmobiling are covered only if a corresponding notation is made on the policy for the insured person, per the high-risk activity classification in Appendix No.1; skiing/snowboarding cover applies only within official, equipped ski resort boundaries with a helmet

Braukšana ar sniega motocikliem, kalnu slēpošana un snovbords (Apdrošināšanas segums slēpošana vai snovošanai ārpus šim nolūkam sagatavotām un aprīkotām trasēm ir spēkā tikai oficiāla slēpošanas kūrorta robežās, nepārkāpjot slēpošanas kūrorta aizliegumus vai norādījumus attiecībā uz bīstamām teritorijām un lietojot aizsargķiveri).

[95] Adventure sports cover: Conditional ↩

Higher-risk activities (e.g. scuba diving up to 30m, rafting, mountain trekking up to 3500m) are covered only if noted on the policy per Appendix No.1; excluded regardless of notation are activities such as mountaineering, cave diving, diving deeper than 30m, bungee jumping and heli-boarding

Zaudējums radies Apdrošinātajam nodarbojoties ar šādām Paaugstināta riska aktivitātēm: pārgājieni kalnos augstāk par 3500 metriem virs jūras līmeņa, alpīnisms, niršana alās, niršana dziļāk par 30 metriem, lēkšana ar gumiju, helibordings vai jebkuru citu Paaugstināta riska aktivitāti, kas nav minēta šo noteikumu Pielikumā Nr.1.

[96] Pregnancy complications: Conditional ↩

Examination and treatment related to pregnancy, termination of pregnancy or premature birth after the 28th week of pregnancy is excluded, unless the medical assistance was provided due to an accident during the trip

par izmeklēšanu un ārstēšanu saistībā ar grūtniecību, grūtniecības pārtraukšanu vai priekšlaicīgām dzemdībām pēc 28. grūtniecības nedēļas, izņemot gadījumus, ja medicīniskā palīdzība sniegta pēc Nelaimes gadījuma Ceļojuma laikā;

[97] Medical expenses: Covered ↩

Core coverage for unexpected medical expenses during travel due to illness or accident; the overall limit depends on the selected programme and is stated in the policy.

Izdevumiem par hroniskas slimības paasinājumu 7 hospitalizācijas dienas līdz 1000 EUR

[98] Medical transport: Covered ↩

The insurer guarantees payment of medical services and related transport costs wherever the insured is during the trip, subject to advance approval for arranged transport.

[99] COVID-19 treatment: Covered ↩

Medical expenses are covered if the insured falls ill with COVID-19 while abroad; the product is now marketed as including COVID-19 risk as standard.

[100] Personal liability: Optional ↩

Optional coverage for legal liability claims arising from injuries or property damage caused to third parties during the trip; can be selected individually as an additional risk.

Apdrošinātājs atlīdzina šādus Civiltiesiskās atbildības ietvaros pierādāmos un saprātīgos zaudējumus: Trešajai personai sniegto medicīnisko palīdzību.

[101] Emergency dental: €200 ↩

Dental treatment for acute pain or dental trauma abroad (consultation, X-ray, anaesthesia, start of root-canal treatment, extraction), up to EUR 200.

par zobu ārstēšanu akūtu sāpju vai zobu traumu gadījumā Atlīdzības limits līdz EUR 200 (divi simti euro), kas ietver ārsta konsultāciju, rentgenogrammu, anestēziju, kanālu ārstēšanas uzsākšanu, zoba ekstrakciju;

[102] Search & rescue: See details ↩

Search and rescue costs are not listed as a separate covered risk under this policy (see the exhaustive list of insurable risks in T&C clause 2.2).

Saskaņā ar šiem noteikumiem var tikt apdrošināti riski: Ārstēšanas izdevumi, Repatriācijas izdevumi, Nelaimes gadījuma izraisīta trauma, neatgriezeniska invaliditāte vai nāve, Civiltiesiskā atbildība, Bagāžas aizkavēšana, bojāšana, nozaudēšana, zādzība, Ceļojuma atcelšana, Nokavēts tranzīts, Ceļojuma dokumenti, Lidojuma aizkavēšanās, Tulkošanas pakalpojumi, Juridiskie izdevumi, Sporta aprīkojuma apdrošināšana,

[103] Legal assistance: Optional ↩

Legal expenses abroad are an optional risk that can be added to the policy (T&C clause 2.2.11); the IPID lists it under the additional benefits when selected.

Juridiskie izdevumi,

[104] Emergency medical treatment: Covered ↩

Insurer guarantees payment of necessary medical services abroad in case of sudden illness or accident during the trip; limits vary by programme tier.

[105] Hospitalization: Covered ↩

Hospitalization abroad is covered within the Treatment expenses sum insured (T&C clauses 3.1-3.2).

Apdrošinātājs, ievērojot kompensācijas principu, atlīdzina Apdrošinātā Ārstēšanas izdevumus par: akūtu saslimšanu; nelaimes gadījumu; hroniskas slimības paasinājumu, sakarā ar ko ir nepieciešama neatliekamā palīdzība, stomatoloģisko palīdzību akūtu zobu sāpju vai zobu traumu gadījumā.

[106] Outpatient treatment: Covered ↩

Outpatient treatment abroad is covered within the Treatment expenses sum insured (T&C clauses 3.1-3.2).

Apdrošinātājs, ievērojot kompensācijas principu, atlīdzina Apdrošinātā Ārstēšanas izdevumus par: akūtu saslimšanu; nelaimes gadījumu; hroniskas slimības paasinājumu, sakarā ar ko ir nepieciešama neatliekamā palīdzība, stomatoloģisko palīdzību akūtu zobu sāpju vai zobu traumu gadījumā.

[107] Medical evacuation: Covered ↩

Coverage for emergency medical transport to the home country or a suitable medical facility; must be arranged with the insurer's advance approval, otherwise the insurer independently decides on reimbursement.

Apdrošinātājs organizē transportēšanu uz mītnes zemi, ņemot vērā Apdrošinātā veselības stāvokli un ārstējošā ārsta noteiktās medicīniskās indikācijas.

[108] Repatriation of remains: Covered ↩

Coverage for transportation of a deceased insured person to the home country; a core benefit of the policy.

Apdrošinātājs organizē un apmaksā repatriācijas izdevumus, kas saistīti ar: Apdrošinātā mirstīgo atlieku repatriāciju uz Latvijas Republiku vai mītnes zemi;

[109] Pre existing conditions: Excluded ↩

Coverage typically excludes treatment of pre-existing medical conditions or exacerbation of chronic illnesses; if the contract is concluded after the trip has started, cover for medical expenses and related benefits may be denied.

par ārsta izrakstītiem medikamen¬tiem, kas Apdrošinātajam bija jālieto slimī¬bai, kas diagnosticēta pirms apdrošināšanas līguma spēkā stāšanās;

[110] Winter sports cover: Optional ↩

Skiing and other winter sports are covered only if the policy carries a specific notation including these activities; offered as an optional additional risk.

[111] Adventure sports cover: Optional ↩

Extreme and active leisure activities (e.g. rock climbing, diving, kiteboarding) require a specific notation on the policy to be covered and can be added as optional additional cover.

[112] Pregnancy complications: €1,000 ↩

Acute pregnancy complications are covered up to EUR 1,000 if the pregnancy does not exceed 32 weeks at the end of the trip and the traveller has a home-country doctor's permission to travel issued no earlier than 10 days before departure (not required for land travel).

akūtu grūtniecības sarežģījumu gadījumā, nepārsniedzot Atlīdzības limitu EUR 1 000 (viens tūkstotis euro), ja grūtniecība Ceļojuma beigās nepārsniedz 32 (trīsdesmit divas) nedēļas, un grūtniece var uzrādīt mītnes zemes ārstējošā ārsta izziņu ar atļauju ceļot, kas izdota ne ātrāk kā 10 (desmit) dienas pirms plānotā ceļojuma sākuma. Izziņa nav nepieciešama, ja ceļojums tiek veikts ar sauszemes transportu;

[113] Medical expenses: €100,000 – €1,250,000 ↩

Medical assistance and repatriation due to sudden illness or accident, with a sum insured selectable between 100,000 EUR and 1,250,000 EUR.

Medicīniskā palīdzība un repatriēšana pēkšņas saslimšanas vai nelaimes gadījuma dēļ (apdrošinājuma summa no 100 000 EUR līdz 1 250 000 EUR)

[114] Medical transport: €100,000 – €1,250,000 ↩

Costs of medically necessary and justified transportation for treatment purposes are covered within the overall medical sum insured.

izdevumi par ārstēšanās nolūkā nepieciešamu un medicīniski pamatotu transportēšanu;

[115] COVID-19 treatment: Conditional ↩

Although losses arising from epidemics/pandemics are generally excluded, if the 'Medical Assistance' risk occurs due to war, terrorism, epidemic, pandemic, quarantine or natural disaster, costs under clause 2.1.3 are still reimbursed if incurred within 14 days of the event, provided the insured departed before the emergency arose and is not a participant in the conflict.

ja Apdrošinātais risks "Medicīniskā palīdzība" iestājies kara, bruņota konflikta, terorisma, masu nekārtību, epidēmijas, pandēmijas, karantīnas vai dabas katastrofas rezultātā, Apdrošināšanas sabiedrība atlīdzina Noteikumu 2.1.3. punktā noteiktos izdevumus, kas radušies 14 dienu laikā no iepriekšminēto apstākļu iestāšanās ar nosacījumu, ka Apdrošinātais ir devies ceļojumā pirms šo ārkārtas vai paaugstinātas bīstamības apstākļu iestāšanās, un Apdrošinātais nav kara, bruņotā konflikta, terorisma vai masu nekārtību dalībnieks.

[116] Personal liability: €25,000 ↩

Optional 'Civil Liability and Legal Assistance' add-on with a combined sum insured of 25,000 EUR, covering damage unintentionally caused by the insured to a third party's health, life or property.

Civiltiesiskā atbildība un juridiskā palīdzība (apdrošinājuma summa 25 000 EUR)

[117] Emergency dental: €500 ↩

First-aid treatment for acute toothache, including starting root treatment, temporary filling, tooth extraction or opening of an abscess, is reimbursed up to 500 EUR.

Par pirmās palīdzības saņemšanu akūtu zobu sāpju ārstniecībai atlīdzina izdevumus līdz 500 EUR.

[118] Search & rescue: See details ↩

Search and rescue costs are not a listed benefit.

[119] Legal assistance: €25,000 ↩

Optional add-on (combined with civil liability under a shared 25,000 EUR sum insured) covering legal service costs abroad, including bail deposits, when the insured faces administrative or criminal proceedings or needs to defend their rights.

Civiltiesiskā atbildība un juridiskā palīdzība (apdrošinājuma summa 25 000 EUR)

[120] Emergency medical treatment: €100,000 – €1,250,000 ↩

Costs of medically accepted treatment methods necessary to provide emergency medical assistance during the trip, within the overall medical sum insured.

izdevumi par ārstniecībā vispāratzītu metožu lietošanu, kas nepieciešamas neatliekamās medicīniskās palīdzības sniegšanai;

[121] Hospitalization: €100,000 – €1,250,000 ↩

Hospital treatment costs are covered as part of medically necessary treatment under the medical assistance risk, within the overall medical sum insured.

[122] Outpatient treatment: €100,000 – €1,250,000 ↩

Outpatient medical treatment, doctor visits and state-recognized medicines prescribed by a certified doctor are covered within the overall medical sum insured.

izdevumi par ārstniecībā lietotiem valsts institūciju atzītiem medikamentiem, kurus izrakstījis sertificēts ārsts;

[123] Medical evacuation: €100,000 – €1,250,000 ↩

Costs of transportation for treatment purposes together with medically necessary accompanying medical staff, agreed in advance with the insurer, are covered within the overall medical sum insured.

ar Apdrošināšanas sabiedrību saskaņoti izdevumi par Repatriāciju un medicīniski nepieciešamu pavadošo ārstniecības personālu (izdevumus par Repatriāciju uz Pastāvīgās mītnes valsti atlīdzina ne lielākā apmērā, kādi būtu nepieciešami Repatriācijai uz Latviju);

[124] Repatriation of remains: €100,000 – €1,250,000 ↩

Costs of repatriation and burial abroad in the event of death during the trip, including coffin purchase, are covered within the overall medical sum insured (repatriation to the country of permanent residence is reimbursed only up to the cost of repatriation to Latvia).

izdevumi par apbedīšanu Ārvalstī, kurā Ceļojuma laikā iestājusies Apdrošinātā nāve, tajā skaitā zārka iegādes izdevumi.

[125] Pre existing conditions: Excluded ↩

'Saslimšana' (illness) is defined as an acute condition that the insured could not have foreseen when starting the trip; conditions that existed or were foreseeable beforehand fall outside this definition and are therefore not covered.

Saslimšana – akūta slimība jeb veselības stāvokļa strauja pasliktināšanās, kuru izraisa organisma funkciju traucējums un ko Apdrošinātais, uzsākot Ceļojumu, nevarēja paredzēt.

[126] Winter sports cover: Optional ↩

High-risk recreational activities, including skiing and similar winter sports, are covered only if specifically marked on the insurance policy as 'Paaugstināta riska aktivitātes'.

Paaugstināta riska atpūtas aktivitātes (t.sk. slēpošana u.tml.) – apdrošinātais risks būs spēkā arī nodarbojoties ar paaugstināta riska atpūtas aktivitātēm.

[127] Adventure sports cover: Optional ↩

Higher-risk activities (e.g. diving, mountaineering, off-piste activities) are covered only if the policy is marked for 'Paaugstināta riska aktivitātes'; genuinely extreme activities and competitions remain excluded even then unless separately agreed and marked on the policy.

Paaugstināta riska aktivitātes – paaugstināta riska aktivitātes, kas ir apdrošinātas tikai tad, ja izdarīta attiecīga atzīme Apdrošināšanas polisē; ... Ekstrēmas aktivitātes ... Apdrošināšanas segums, nodarbojoties ar šīm aktivitātēm, nav spēkā, izņemot, ja izdarīta attiecīga atzīme Apdrošināšanas polisē.

[128] Pregnancy complications: Conditional ↩

Expenses related to pregnancy complications are covered only if, at the planned end of the trip, the pregnancy does not exceed 28 weeks and there have been no prior pregnancy complications or doctor-imposed activity restrictions; costs relating to pregnancy termination or childbirth after the 28th week, or where prior complications existed, are excluded.

izdevumi saistīti ar grūtniecības komplikācijām, ja Ceļojuma beigās grūtniecības ilgums nepārsniedz 28.nedēļas un nav iepriekš bijuši grūtniecības sarežģījumi vai ārsta noteikti ierobežojumi ikdienas aktivitātēm;

[129] Medical expenses: €1,000,000 ↩

Since the April 2025 policy update, the medical assistance sum insured per insured person abroad is EUR 1,000,000; no deductible applies to this risk.

Vienlaikus ir palielināta arī medicīniskās palīdzības apdrošinājuma summa – turpmāk tā būs 1 000 000 eiro vienai personai, nodrošinot vēl lielāku drošību neparedzētās situācijās ārzemēs, kad nepieciešama neatliekama medicīniskā palīdzība.

[130] Medical transport: Covered ↩

Reasonable transport costs to a medical facility and back to accommodation abroad are reimbursed within the medical assistance sum insured.

Jūsu nokļūšana ārstniecības iestādē un no ārstniecības iestādes uz naktsmītni ārvalstīs;

[131] COVID-19 treatment: Covered ↩

General epidemic/pandemic losses are excluded, but the policy explicitly states that COVID-19 caused by the SARS-CoV-2 coronavirus is not treated as an epidemic or pandemic, so related medical costs are covered as ordinary illness within the medical assistance sum insured.

Tomēr! Mēs neuzskatām Covid-19, ko izraisa koronavīruss SARS-CoV-2, par epidēmiju vai pandēmiju.

[132] Personal liability: Covered ↩

The policy covers the insured's civil liability abroad for personal injury or property damage caused to third parties, subject to a EUR 50 deductible; the exact liability limit is stated in the individual Policy.

[133] Emergency dental: €500 ↩

In case of a tooth injury or acute toothache, costs of emergency dental treatment only are reimbursed up to EUR 500 per insured event.

Zobu traumas vai akūtu zobu sāpju gadījumā Mēs atlīdzināsim zaudējumus tikai par neatliekamās medicīniskās palīdzības sniegšanu, bet ne vairāk kā 500 EUR par vienu Apdrošināšanas gadījumu.

[134] Legal assistance: €1,000 ↩

Sum insured for legal assistance is EUR 1000 for justified costs of legal help related to an unlawful act committed abroad due to the insured's negligence (EUR 50 deductible applies); in addition, the insurer may pay bail of up to EUR 3000, which the insured must repay within 12 months.

Apdrošinājuma summa Juridiskai palīdzībai ir 1000 EUR. ... Ja nepieciešams, Mēs samaksāsim drošības naudu, bet ne vairāk kā 3000 EUR.

[135] Emergency medical treatment: Covered ↩

Reasonable, medically justified costs of emergency treatment abroad following an injury or serious illness are reimbursed within the overall medical assistance sum insured; no deductible applies.

Ievainojuma vai smagas slimības gadījumā Mēs atlīdzināsim medicīniski pamatotos, ārvalstīs radušos saprātīgus zaudējumus saistībā ar neatliekamu ārstēšanu, tai skaitā ārvalstīs ārstējošā ārsta nozīmēto ārstniecisko līdzekļu un tehnisko palīglīdzekļu iegādi ārvalstīs. Pašrisks netiek piemērots.

[136] Hospitalization: Covered ↩

Hospital treatment following an accident or sudden illness abroad is covered within the medical assistance sum insured; costs above EUR 1000 require the insurer's prior approval.

Izdevumi par medicīnisko palīdzību, kas pārsniedz 1000 EUR, un visi pārējie izdevumi ir iepriekš jāsaskaņo ar Mums.

[137] Outpatient treatment: Covered ↩

Outpatient emergency treatment, prescribed medicines and technical aids abroad are reimbursed within the medical assistance sum insured.

Ievainojuma vai smagas slimības gadījumā Mēs atlīdzināsim medicīniski pamatotos, ārvalstīs radušos saprātīgus zaudējumus saistībā ar neatliekamu ārstēšanu, tai skaitā ārvalstīs ārstējošā ārsta nozīmēto ārstniecisko līdzekļu un tehnisko palīglīdzekļu iegādi ārvalstīs. Pašrisks netiek piemērots.

[138] Medical evacuation: Conditional ↩

The insurer decides, based on the insured's health condition, whether to pay for the insured's return to Latvia or to reimburse continued treatment abroad instead.

Mums ir tiesības izlemt, vai Mēs apmaksāsim Jūsu atgriešanos Latvijā, ja Jūsu veselības stāvoklis šādu transportēšanu atļauj, vai arī Mēs atlīdzināsim zaudējumus par neatliekamās ārstēšanas turpināšanu ārvalstī.

[139] Repatriation of remains: Covered ↩

In case of death abroad, the insurer covers the cost of a coffin and transportation of the remains or urn to Latvia; cremation abroad can be arranged at the request of the closest relatives.

zārka iegāde; mirstīgo atlieku vai urnas transportēšana uz Latviju. Pēc tuvāko radinieku lūguma varam noorganizēt mirstīgo atlieku kremēšanu ārvalstī, kurā noticis Apdrošināšanas gadījums;

[140] Pre existing conditions: Excluded ↩

Costs related to a physical injury, disability or chronic disease that existed before the trip began are excluded; however, emergency treatment for a sudden acute exacerbation of a chronic disease is covered.

fizisks ievainojums, invaliditāte vai hroniska slimība, kas ir bijusi jau pirms došanās Ceļojumā; Tomēr! Mēs atlīdzināsim zaudējumus par neatliekamo medicīnisko palīdzību, kas sniegta saistībā ar hroniskas slimības pēkšņu saasinājumu.

[141] Winter sports cover: Conditional ↩

Skiing/snowboarding on groomed, maintained pistes or cross-country skiing is covered under the base policy at no extra charge. Off-piste skiing/snowboarding is only covered if the accompanied-by-a-companion condition is met and the 'Dangerous Occupation' extension is selected on the policy; speed descents and heliboarding are always excluded.

sagatavotās (līdzinātās) un uzturētās kalnu trasēs (tikai lietojot drošības ekipējumu*) vai distanču slēpošana ārpus sagatavotām (līdzinātām) un uzturētām kalnu trasēm (tikai lietojot drošības ekipējumu*) un tikai ar pavadoni.

[142] Adventure sports cover: Conditional ↩

Lower-risk activities (e.g. snorkelling and diving to 10m, coastal sailing/motorboating, groomed climbing routes, everyday cycling) are covered under the base policy. Higher-risk versions of these activities (e.g. diving over 10m with a certificate, offshore sailing, Via Ferrata, high-altitude mountain routes) are only covered if the 'Dangerous Occupation' extension is selected on the policy. Certain extreme activities (e.g. night/wreck/solo diving, open-sea solo activities, glacier crossings, off-licence flying) are always excluded.

snorkelēšana un niršana līdz 10 m dziļumam niršana dziļāk par 10 m (tikai ar niršanas sertifikātu*).

[143] Pregnancy complications: Excluded ↩

Costs related to pregnancy and childbirth from the 28th week of pregnancy, or abortion, are excluded, except when emergency medical assistance is required following an accident.

grūtniecība un dzemdības no 28. grūtniecības nedēļas vai aborts; Tomēr! Mēs atlīdzināsim zaudējumus, kas saistīti ar neatliekamās medicīniskās palīdzības sniegšanu pēc nelaimes gadījuma.