Balcia Travel insurance (Balcia Travel Medical)
Underwritten by Balcia Insurance SE · Lithuania
travel insurance from Balcia for the Lithuania market, with online purchase.
Verified Aug 28, 2026 · Terms dated 2024-08-26Sources
Unique selling points
COVID-19 and Monkeypox treatment abroad remains covered even though the policy generally excludes pandemics and epidemics.
If the return home is delayed by a technical breakdown, an insured event, or bad weather, the policy period automatically extends for up to 3 extra days at no additional cost.
If illness or injury leaves the insured unable to drive, Balcia covers a replacement driver to bring the insured and travel companions home.
Business travellers who cannot work for 5 or more consecutive days due to illness or accident get a colleague's replacement travel costs covered.
Risks can be selected individually or combined into one policy — medical expenses, accidents, cancellation, liability, baggage and document loss — so customers only pay for the protection they need.
Coverage limits
Medical expenses
Covered
Covers medically justified costs of urgent treatment abroad following a sudden accident or illness during the trip; the specific sum insured is set individually in the insurance certificate.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
mediciniškai pagrįstas išlaidas, susijusias su Tavo skubiu gydymu Užsienyje;
Emergency medical treatment
Covered
Covers urgent outpatient or inpatient treatment abroad, medically necessary examinations, prescribed medicines and dressings, non-prescription medicines up to EUR 50, and phone calls to the clinic or insurer up to EUR 50.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
nereceptinius vaistus (pvz. nuo skausmo, virškinimo sutrikimų, peršalimo simptomų ir pan.) ir tvarstymo priemones be gydytojo paskyrimo neviršijant 50 EUR; telefoninius pokalbius skambinant Mums arba gydymo įstaigai neviršijant 50 EUR;
Hospitalization
€200
Actual hospitalization treatment costs are covered under the overall medical expense sum insured. In addition, if the insured chooses treatment at a state healthcare facility and uses the compulsory health insurance entitlement, Balcia pays a EUR 25 per-day cash benefit, capped at EUR 200 in total.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
Tau išmokėsime 25 EUR išmoką už kiekvieną ligoninėje praleistą dieną neviršijant 200 EUR sumos
Outpatient treatment
Covered
Ambulatory (outpatient) medical care abroad for a sudden illness or accident is covered as part of the medical expenses module.
Emergency dental treatment
Covered
Covers dental treatment costs only when relieving acute tooth pain or providing emergency care after an accident; no separate euro cap is stated in the current edition.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
dantų gydymo išlaidas tik kai tai yra ūmaus dantų skausmo malšinimas arba skubi pagalba nelaimingo atsitikimo atveju;
Medical transport
Covered
Covers transport to the nearest medical facility and back to the place of temporary accommodation during the trip.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
Tavo transportavimą į gydymo įstaigą ir atgal į Tavo apgyvendinimo Kelionės metu vietą;
Medical evacuation / early return
Covered
Covers earlier-than-planned return to the country of residence if health allows, transport of unaccompanied minor children, a replacement driver, and a substitute employee's economy-class travel if the insured cannot work for at least 5 consecutive days on a business trip; transport costs are capped at economy-class fares to/from Lithuania.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
Tavo ankstesnio nei planuota grįžimo į Gyvenamosios vietos valstybę (jei Tavo sveikatos būklė leidžia tokį transportavimą), taip pat Tavo Artimųjų, kurie kartu su Tavimi apdrausti pagal tą pačią draudimo sutartį, grįžimo išlaidas;
Repatriation of remains
Covered
Covers transport of the deceased's remains to the country of residence, purchase of a coffin needed for transport, or burial/cremation costs abroad and transport of the urn to the country of residence.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
Tavo palaikų pervežimas į Gyvenamosios vietos valstybę, transportavimui reikalingo karsto įsigijimas arba laidojimo ar kremavimo Užsienyje išlaidos ir urnos pervežimas į Gyvenamosios vietos valstybę bet kokiu atveju, kuris nėra nurodytas kaip išimtis.
Search and rescue
No limit stated
Not addressed in the current (LT-003.04) terms and conditions or IPID.
COVID-19 treatment
Covered
The general pandemic/epidemic exclusion explicitly does not apply to COVID-19 or Monkeypox, so related treatment is covered under the medical expenses sum insured.
Section: DRAUDIMO IŠMOKA > 18. Išimtys
dėl pandemijos ar epidemijos, išskyrus COVID-19 ir Beždžionių raupų atvejus;
Pre-existing conditions
Conditional
"Illness" is defined as a sudden, unforeseen acute condition or a sudden exacerbation of a chronic disease that had not manifested before the trip began; known/pre-existing conditions and their expected/planned treatment are not covered, but a sudden and unforeseeable flare-up of a chronic condition during the trip is treated as an illness and covered.
Section: SĄVOKOS
Liga – iki Kelionės pradžios nepasireiškęs staigus ir netikėtas ūmus susirgimas arba staigus lėtinės ligos paūmėjimas, dėl kurių Tau reikia neatidėliotinos medicininės pagalbos.
Winter sports cover
Optional
Winter/mountain skiing and snowboarding fall under "Aktyvus laisvalaikis" (active leisure), which is excluded from payout by default unless the insurance contract explicitly states otherwise, meaning it can be added as a selected cover.
Section: DRAUDIMO IŠMOKA > 18. Išimtys
dėl to, kad užsiimi Aktyvaus laisvalaikio ar Ekstremalias sporto veikla, dirbi Pavojingų profesijų ar fizinį darbą (vairuotoju, statybininku, žemės ūkio, pramonės darbininku), arba dalyvavai sporto varžybose ar treniruotėse, jei draudimo sutartyje nenumatyta kitaip;
Adventure/extreme sports cover
Optional
Ekstremalus sportas (extreme sports, e.g. combat sports, motor racing, mountaineering, parachuting) is excluded by default unless the insurance contract explicitly provides otherwise, meaning it can be selected as additional cover.
Section: DRAUDIMO IŠMOKA > 18. Išimtys
dėl to, kad užsiimi Aktyvaus laisvalaikio ar Ekstremalias sporto veikla, dirbi Pavojingų profesijų ar fizinį darbą (vairuotoju, statybininku, žemės ūkio, pramonės darbininku), arba dalyvavai sporto varžybose ar treniruotėse, jei draudimo sutartyje nenumatyta kitaip;
Pregnancy complications
Conditional
Costs related to pregnancy from the 28th week onward, and to childbirth, are excluded, except for necessary emergency medical assistance following an accident.
Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 2. Ko neapdraudžiame
dėl nėštumo (pradedant nuo 28 neštumo savaitės) ar gimdymo, išskyrus būtinąją medicininę pagalbą Nelaimingo atsitikimo atveju;
Personal (civil) liability
Optional
A separately selectable module covering direct losses from bodily injury or death caused to a third party and the cost of repairing/reducing damage to third-party property during the trip; the sum insured is set in the policy schedule.
Section: CIVILINĖS ATSAKOMYBĖS DRAUDIMAS > 5. Ką apdraudžiame
Jei Kelionės metu sukėlei žalą Trečiojo asmens gyvybei, sveikatai ar turtui, Mes atlyginsime: tiesioginius nuostolius, susijusius su Trečiojo asmens gydymu ar mirtimi;
Legal assistance
Optional
Within the Civil Liability module, attorney/legal costs are covered if the insured unintentionally fails to observe local customs and norms or unknowingly breaches local regulations, causing harm to a third party, their health, or property.
Section: CIVILINĖS ATSAKOMYBĖS DRAUDIMAS
teisinės pagalbos (advokato) išlaidas, jeigu Tu netyčia arba pats to nežinodamas: - nesilaikei nustatytų elgesio normų ir tradicijų; - pažeidei norminius aktus ir dėl to sukėlei žalą Trečiajam asmeniui, jo sveikatai arba turtui.
Key conditions
Assistance call deadline
In the event of a claim, you must contact a healthcare institution, law enforcement, or another competent authority without delay, no later than within 24 hours, submit a claim to the party at fault, and notify Balcia about the event.
Unauthorized treatment
No fixed percentage penalty is stated for unauthorized treatment, but Balcia may refuse or reduce the payout if it was not notified in time and this prevents accurate determination of costs incurred, or if required prior written approval for certain transport/companion arrangements was not obtained.
Purchase while abroad
The insurance contract must be concluded and paid for before the trip begins and while the insured is in Lithuania; a contract concluded while the insured is already outside Lithuania, or paid for after the trip has started, is void and no expenses are reimbursed.
Chronic conditions
Known chronic diseases and their planned or expected treatment are not covered; only a sudden, unforeseeable exacerbation of a chronic disease that could not have been anticipated before the trip is treated as an insured illness.
Pregnancy
Costs related to pregnancy from the 28th week onward and to childbirth are excluded, except for necessary emergency medical assistance required due to an accident.
Pre-existing condition exclusions
Illness is defined as a condition that had not manifested before the trip began; pre-existing/known health conditions and any planned diagnostics or treatment related to them are excluded from cover.
Coverage duration limit
If the return to the country of residence is delayed for documented reasons beyond the insured's control (vehicle breakdown or accident, a covered incident or related rescue operation, delay or cancellation of transport due to bad weather, or a strike by the carrier or airport staff), the policy period is automatically extended until the return from the trip, but by no more than 3 days.
Direct payment
For costs that do not exceed EUR 1,000, the insured may pay directly and later claim reimbursement from Balcia. If any described expense is expected to exceed EUR 1,000, the insured or a relative must contact Balcia before paying, so the insurer can advise on next steps and, where relevant, arrange direct settlement with the treating facility.
Territorial scope
Coverage applies only within the territory specified in the insurance certificate; Lithuania and the insured's country of citizenship or permanent residence are always excluded from the covered territory.
Documents
Travel Insurance Terms and Conditions No. LT-003.04 (effective 2024-08-26) (opens in a new tab)
Terms & conditions · PDF
Travel Insurance Terms and Conditions No. LT-003.04 (mirror copy) (opens in a new tab)
Terms & conditions · PDF
Travel Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Medical expenses and repatriation
Coverage for sudden and unexpected health disorders while abroad requiring urgent medical assistance or repatriation
SourceClause 1Page 2Section: MEDICININIŲ IŠLAIDŲ DRAUDIMAS > 1. Ką apdraudžiame
Jei Jūsų sveikatos būklė kelionės metu pablogėja dėl nelaimingo atsitikimo ar ligos, Mes padengsime:
Accident insurance
Coverage for property interests related to accidents experienced while abroad
SourcePage 1Section: Kam taikoma draudimo apsauga?
Draudimas nuo nelaimingų atsitikimų
Baggage insurance
Coverage for baggage delay, damage, loss or disappearance
SourceClause 7Page 5Section: BAGAŽO DRAUDIMAS > 7. Ką apdraudžiame
Vežėjui perduoto Bagažo vėlavimas į galutinį Kelionės tašką daugiau kaip 2 valandas; Bagažo sugadinimas, sunaikinimas ar praradimas.
Flight cancellation and travel delays
Coverage for property interests related to travel delays, interruptions, lost connections or inability to travel
SourcePage 1Section: Kam taikoma draudimo apsauga?
Kelionės atšaukimo, nutraukimo, pavėlavimo į kelionę draudimas
Personal civil liability insurance
Coverage for property interests related to damage caused by the insured to third parties or their property while abroad
SourcePage 1Section: Kam taikoma draudimo apsauga?
Civilinės atsakomybės draudimas
Travel document loss insurance
Coverage for property interests related to lost travel documents during a trip
SourcePage 1Section: Kam taikoma draudimo apsauga?
Kelionės dokumentų draudimas
Contract activation timing
Not established from the insurer's documents
Insurance contract becomes effective from the date and time specified in the insurance certificate, provided premium is paid on time
SourceThird-party source, not the insurer's documentPage 2Section: Kada įsigalioja ir baigiasi draudimo apsauga?
Draudimo sutartis įsigalioja nuo draudimo liudijime nurodytos dienos 00:00 val. (Lietuvos laiku), jeigu liudijime nėra nurodytas kitas laikas irjeigu laiku sumokėta draudimo įmoka.
Claims notification deadline
Insured must report any suffered damage or incurred loss within 30 days from the event date
SourceMoney and document loss notification requirement
Not established from the insurer's documents
Loss of money, bank payment cards or travel documents must be reported within 24 hours for insurance coverage to apply
SourceThird-party source, not the insurer's documentPage 7Section: DRAUDIMO SUTARTIS > 13. Draudėjo, Tavo ir Naudos gavėjo teisės ir pareigos
Draudimo apsauga negalioja, jeigu apie pinigų ir (ar) banko mokėjimo kortelės ir (ar) kelionės dokumentų praradimą per 24 (dvidešimt keturias) valandas nepranešei vietinės teisėsaugos institucijoms ir negavai iš jų raštiško šio fakto patvirtinimo.
Premium payment method
Not established from the insurer's documents
Insurance premium must be paid by bank transfer or electronic banking before trip start
SourceThird-party source, not the insurer's documentPage 2Section: Kada mokamos įmokos?
Draudimo įmoką reikia sumokėti iki kelionės pradžios, pavedimu, per elektroninę bankininkystę.
Governing law and jurisdiction
Not established from the insurer's documents
Insurance contract and related legal relationships are governed by Lithuanian law
SourceThird-party source, not the insurer's documentPage 9Section: KITOS NUOSTATOS IR SĄLYGOS
Draudimo sutarčiai ir iš jos kylantiems teisiniams santykiams taikoma Lietuvos Respublikos teisė.
Sanctions compliance clause
Not established from the insurer's documents
Insurer is bound by national and international sanctions and may unilaterally terminate contract if sanctions apply to insured or policyholder
SourceThird-party source, not the insurer's documentPage 9Section: KITOS NUOSTATOS IR SĄLYGOS
Esame saistomi nacionalinių ir tarptautinių sankcijų. Jeigu bet kuri iš šių sankcijų tiesiogiai ar netiesiogiai taikoma Tau arba Draudėjui, Mes turime teisę vienašališkai nutraukti draudimo sutartį.
Sources
- balcia.lthttps://www.balcia.lt/uploads/TRAVEL/BLT-2023-1-Travel-20231006_IPID_LT.pdf#page=1(opens in a new tab)
- balcia.lthttps://www.balcia.lt/uploads/TRAVEL/Kelioni%C5%B3%20draudimo%20taisykl%C4%97s_LT-003-03_20231006_LT.pdf#page=2(opens in a new tab)
- balcia.lthttps://www.balcia.lt/uploads/TRAVEL/Kelioni%C5%B3%20draudimo%20taisykl%C4%97s_LT-003-03_20231006_LT.pdf#page=3(opens in a new tab)
- balcia.lthttps://www.balcia.lt/uploads/TRAVEL/Kelioni%C5%B3%20draudimo%20taisykl%C4%97s_LT-003-03_20231006_LT.pdf#page=4(opens in a new tab)
- balcia.lthttps://www.balcia.lt/uploads/TRAVEL/Kelioni%C5%B3%20draudimo%20taisykl%C4%97s_LT-003-03_20231006_LT.pdf#page=5(opens in a new tab)
- balcia.lthttps://www.balcia.lt/uploads/TRAVEL/Kelioni%C5%B3%20draudimo%20taisykl%C4%97s_LT-003-03_20231006_LT.pdf#page=8(opens in a new tab)
- draudimas.lthttps://www.draudimas.lt/draudimo-taisykles/balcia/travel/2026-05-18/ipid.pdf#page=2(opens in a new tab)
- draudimas.lthttps://www.draudimas.lt/draudimo-taisykles/balcia/travel/2026-05-18/taisykles.pdf#page=7(opens in a new tab)
- draudimas.lthttps://www.draudimas.lt/draudimo-taisykles/balcia/travel/2026-05-18/taisykles.pdf#page=9(opens in a new tab)
Balcia Travel insurance