BAN Travel insurance (Travel Medical Standard)

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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