Feature / category	Balcia Insurance SE	Insurance Joint Stock Company BALTA	"Baltijas Apdrošināšanas Nams" Insurance Joint Stock Company (BAN)	AAS BTA Baltic Insurance Company	Compensa Vienna Insurance Group ADB Latvia Branch / Compensa Life Vienna Insurance Group SE Latvia Branch	ERGO Insurance SE Latvijas filiāle (non-life) / ERGO Life Insurance SE Latvijas filiāle (life & health)	Akcine draudimo bendrove "Gjensidige" Latvia branch	If P&C Insurance AS Latvia Branch	Swedbank P&C Insurance AS, Latvia branch (with life products via Swedbank Life Insurance SE, Latvia branch)
Online purchase	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Medical expenses							No limit stated
Medical transport							No limit stated
COVID-19 treatment
Personal liability						Only in Paplašinātā, Premium, Individuālā
Emergency dental
Search & rescue
Legal assistance						Only in Premium, Individuālā
Emergency medical treatment		No limit stated					No limit stated
Hospitalization		No limit stated					No limit stated
Outpatient treatment		No limit stated
Medical evacuation							No limit stated
Repatriation of remains							No limit stated
Pre existing conditions
Winter sports cover							Only in LUX, VIP
Adventure sports cover							Only in LUX, VIP
Pregnancy complications