BALTA Travel insurance (Travel Medical)

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.

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

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

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

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

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

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

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.

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

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.

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.

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

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

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

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

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