BTA

Assistance call deadline

The insured must notify BTA no later than within 3 working days of a potentially insured event (general condition). For hospitalisation requiring ongoing treatment, BTA should be informed within 72 hours. Claims for medical expense reimbursement must be submitted within 30 days from the end of the trip.

Unauthorized treatment

If the insured undergoes treatment with a provider not pre-agreed with BTA (where the policy specifies the need to call BTA before seeking care), reimbursement is limited to the amount BTA would have paid its own partner providers. Expenses for surgery that was not urgent (could have waited more than 24 hours from admission) are not reimbursed unless pre-approved in writing by BTA.

Purchase while abroad

If the insurance contract is concluded while the insured is already abroad (outside Lithuania), coverage does not take effect until 5 calendar days after the contract conclusion date. For contracts purchased online or via remote means, coverage begins no earlier than 24 hours after full premium payment.

Chronic conditions

Acute exacerbations of chronic illnesses are covered if emergency medical assistance is required and cannot be deferred. Known, ongoing or previously treated conditions are excluded. Pre-existing conditions diagnosed or treated before the contract date are not covered (clause 6.2.1).

Pregnancy

Pregnancy complications requiring emergency medical care are covered up to EUR 1,000 provided the pregnancy did not exceed 32 weeks at the time of the event. Childbirth, abortion, family planning, and infertility treatment are excluded.

pre_existing_conditions

Health conditions that were known or could have been known before the contract, or that began before the contract was concluded, are excluded regardless of whether they were being treated. Congenital diseases and their exacerbations are also excluded. Acute exacerbations of chronic illness are covered only as emergency care.

coverage_duration_limit

For single-trip policies, emergency medical treatment costs during hospitalisation are reimbursed for up to 30 days from the last day the policy is valid. For multi-trip ('Daugkartinis') policies, the same 30-day limit applies from the last valid day of the specific trip covered under the annual policy. The maximum number of days per trip under a multi-trip policy is stated in the policy schedule.

Trip cancellation and interruption

Coverage for additional accommodation, food costs, and ticket expenses if trip is interrupted due to covered events

Luggage insurance

Coverage for luggage delay, theft, and damage with limits per piece

High-risk activities exclusion

Insurance does not cover activities such as mountaineering above 2500m, motorsports, skydiving, paragliding, or other extreme sports unless special premium paid

Geographic coverage restrictions

Coverage territory must be specified in insurance policy; does not apply in certain countries and does not cover territories where conflict exists

Chronic condition waiting period

Severe acute health deterioration or injury covered only if diagnosed less than 7 calendar days before planned trip and required continuous care

Age-related coverage restrictions

Persons over 75 years require individual health assessment and direct contact with insurer for appropriate coverage terms

Contract formation while abroad waiting period

Insurance contract concluded while person is already abroad does not come into force until 5 calendar days after contract date