Compensa Travel insurance (Celojumu Apdrosinasanas Polise)

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.

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).

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.