Extracted from source documents

Gjensidige Travel insurance (Travel Medical Standard)

Underwritten by ADB Gjensidige · Lithuania

travel insurance from Gjensidige for the Lithuania market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2020-08-11Sources

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Key facts

Gjensidige

Unique selling points

Worldwide cover for a single price, excluding only Russia, Belarus and Israel — freeing travellers to explore almost anywhere.

Choice of four ready-made travel packages (Leisure, Business, Active Leisure, Winter Active Leisure) or a fully customisable 'Free' package where you pick only the risks you need.

24/7 multilingual assistance company (OPS International) arranges and settles emergency medical treatment abroad directly with the clinic, so travellers often don't need to pay upfront.

Instant online quote calculator lets you buy and activate a policy in minutes directly on the insurer's website.

Coverage limits

Covered

Medical expenses

Covered

Covers costs of necessary medical care abroad for acute illness or accidental bodily injury (ambulatory and inpatient). The sum insured is set individually per insured person and stated in the insurance certificate rather than being a fixed policy-wide amount.

Page 1

Section: Kam taikoma draudimo apsauga?

Medicininių išlaidų draudimas – kreipimasis į gydymo įstaigą dėl atsitiktinio kūno sužalojimo arba ūmaus sveikatos sutrikimo, kai reikalinga būtinoji medicinos pagalba.

Covered

Emergency medical treatment

Covered

Covers necessary first emergency medical care at ambulatory or inpatient foreign healthcare institutions when there is a threat to the insured's health that cannot wait until return home.

Clause 13Page 5

Section: Vartojamos sąvokos

Būtinoji medicininė pagalba – pirmoji skubi medicinos pagalba užsienio asmens sveikatos priežiūros įstaigose (ambulatorinėse ir stacionarinėse) dėl kilusios grėsmės apdraustojo sveikatai, kurios negalima atidėti iki to momento, kol apdraustasis grįš į šalį, kurios pilietybę apdraustasis turi arba kurioje jis nuolat gyvena.

Covered

Hospitalization (inpatient treatment)

Covered

Covers inpatient treatment costs at a foreign healthcare institution; the insurer or assistance company must be notified within 24 hours of admission. Sum insured is set per policy, not a fixed amount.

Clause 53.1Page 12

Section: Medicininių išlaidų draudimas > Apdraustojo ar jo įgalioto asmens pareigos, atsitikus įvykiui

per 24 valandas telefonu pranešti Mums arba asistavimo kompanijai apie įvykį, dėl kurio būtinoji medicinos pagalba apdraustajam teikiama stacionariniu būdu sveikatos priežiūros įstaigoje ar dėl kurio apdraustasis mirė

Covered

Outpatient treatment

Covered

Covers ambulatory medical care abroad; the insured may pay directly and claim reimbursement, or contact the assistance company first. Must report within 7 calendar days of return.

Page 3

Section: Atmintinė apdraustajam, atsitikus įvykiui > MEDICININIŲ IŠLAIDŲ DRAUDIMAS

ambulatorinėje gydymo įstaigoje (gydant ambulatoriškai). Šiuo atveju iš karto galite kreiptis Atmintinėje nurodytais telefono numeriais arba už suteiktas medicinos paslaugas galima sumokėti pačiam.

Covered

Emergency dental care

€200

Covers emergency dental treatment abroad to relieve acute tooth pain or remove its source, up to EUR 200 for the whole policy period; planned dental treatment or prosthetics are excluded.

Clause 45.3Page 9

Section: Medicininių išlaidų draudimas

būtinosios odontologinės pagalbos, neviršijant 200 EUR per visą draudimo laikotarpį;

Covered

Local medical transport

Covered

Covers medically necessary transport (including air transport) or public transport/taxi to the nearest medical facility; return transport from the clinic to the hotel after treatment is capped at EUR 50 for the whole policy period.

Clause 45.5Page 9

Section: Medicininių išlaidų draudimas

medicininiu požiūriu neatidėliotino transportavimo medicininiu transportu (įskaitant ir oro transportą) ar viešuoju autotransportu, taksi, metro (kai yra išduotas vežimo bilietas) iki artimiausios gydymo įstaigos

Covered

Medical repatriation / evacuation

Covered

Covers transport back to the insured's home country for further inpatient treatment (must be admitted within 14 days of return) or for outpatient follow-up (must seek care within 5 days of return, capped at EUR 300 for economy tickets or fuel costs); necessity must be confirmed by the insurer in writing.

Clause 45.7Page 9

Section: Medicininių išlaidų draudimas

medicininio repatrijavimo į šalį, kurios pilietybę apdraustasis turi arba kurioje jis nuolat gyvena. Šių išlaidų būtinumą Mes turime patvirtinti raštu.

Covered

Repatriation of mortal remains

Covered

Covers transport of the insured's remains to their home country, or burial/cremation costs abroad not exceeding the transport cost, if death abroad results from a covered event; necessity must be confirmed in writing by the insurer.

Clause 45.9Page 9

Section: Medicininių išlaidų draudimas

apdraustojo palaikų transportavimo į šalį, kurios pilietybę apdraustasis turi arba kurioje jis nuolat gyvena, arba jų neviršijančių laidojimo ar kremavimo paslaugų užsienyje, apdraustajam užsienyje mirus dėl draudžiamojo įvykio.

Excluded

Search and rescue costs

Excluded

Costs of searching for the insured's body are explicitly excluded from cover.

Clause 52.20Page 12

Section: Medicininių išlaidų draudimas > Nedraudžiamieji įvykiai

apdraustojo kūno ieškojimo išlaidas;

Excluded

COVID-19 / pandemic-related treatment

Excluded

The policy does not name COVID-19 specifically but excludes losses arising directly or indirectly from a 'Pandemic', defined as a WHO-confirmed rapidly spreading disease outbreak across several countries or continents.

Clause 42.9Page 7

Section: Bendri nedraudžiamieji įvykiai

dėl Pandemijos;

Conditional

Pre-existing / chronic conditions

Conditional

Diagnosis and treatment of health conditions known or existing before the policy started are excluded, except when an exacerbation could not have been medically foreseen and endangers life — in that case only urgent, pain-relieving or life-saving care is covered, subject to written confirmation by the insurer.

Clause 52.1Page 11

Section: Medicininių išlaidų draudimas > Nedraudžiamieji įvykiai ir neapmokamos išlaidos

gydymu ir diagnostika sveikatos sutrikimų, kurie buvo (ar galėjo būti) žinomi ir/ar prasidėjo prieš įsigaliojant draudimo sutarčiai (nesvarbu, ar jie buvo gydomi, ar ne)

Optional

Winter sports cover

Optional

Alpine skiing, snowboarding and similar are listed as life-threatening activities excluded by default, unless the insurance certificate states otherwise; a dedicated skiing insurance add-on is offered for active winter travellers.

Clause 51.6Page 10

Section: Medicininių išlaidų draudimas > Nedraudžiamieji įvykiai ir neapmokamos išlaidos

alpinizmą, laipiojimą uolomis, kalnų žygius, kalnų slidinėjimą, snieglenčių, rogių sportą, kalnų safarį

Optional

Adventure / extreme sports cover

Optional

Activities such as diving below 30m, mountaineering, rock climbing, parachuting, rafting and similar 'life-threatening activities' are excluded by default, unless the insurance certificate states this cover is included.

Clause 51.6Page 10

Section: Medicininių išlaidų draudimas > Nedraudžiamieji įvykiai ir neapmokamos išlaidos

parašiutizmą, šuolius su guma, šuolius į vandenį iš aukščio, vandens slides, nardymą didesniame nei 30 m gylyje, alpinizmą, laipiojimą uolomis

Covered

Pregnancy or childbirth complications

€300

Covers one emergency medical consultation and related transport to hospital for pregnancy or childbirth complications, up to EUR 300 for the whole policy period; routine pregnancy monitoring and non-life-threatening symptoms are excluded.

Clause 45.4Page 9

Section: Medicininių išlaidų draudimas

skubios medicininės pagalbos nėštumo ar gimdymo komplikacijos atveju (t.y. vieną gydytojo konsultaciją ir su tuo susijusį transportavimą iki ligoninės), bet ne daugiau kaip 300 EUR per visą draudimo laikotarpį

Optional

Personal liability abroad

Optional

Selectable risk covering unintentional bodily injury, death or property damage caused to third parties abroad; damage to rented accommodation used for lodging is capped at EUR 3,000, and compensation for non-pecuniary damage from unintentional loss of life is capped at EUR 1,500 per person.

Clause 106Page 21

Section: Asmens civilinės atsakomybės draudimas

Draudžiamasis įvykis – apdraustojo netyčiniai veiksmai dėl kurių buvo sutrikdyta trečiojo asmens sveikata, atimta gyvybė, sugadintas ar sunaikintas turtas..

Conditional

Legal assistance

Conditional

If personal liability cover is selected and the insured causes a road accident abroad injuring/killing someone or damaging property, necessary legal defence costs against claims may be compensated on the insurer's instruction; legal services must be ordered only via the insurer or its assistance company.

Clause 108Page 21

Section: Asmens civilinės atsakomybės draudimas

Jeigu apdraustasis užsienyje sukelia eismo įvykį dėl kurio sutrikdoma trečiojo asmens sveikata, atimama gyvybė arba sugadinamas ar sunaikinamas jo turtas , Mūsų nurodymu gali būti kompensuojamos būtinos teisinės išlaidos ginantis nuo nukentėjusiųjų reikalavimo (teisinių paslaugų teikimą užsako tik asistavimo kompanija ar Mes).

Covered

24/7 assistance service

Covered

The assistance company UAB OPS International is reachable 24/7 (+370 5 203 4440) to help arrange and settle emergency treatment abroad and coordinate other covered assistance services.

Page 2

Section: Kokios mano pareigos?

būtinai susisiekite su mūsų Asistavimo kompanija UAB „OPS International“ (+370 5 203 4440; [email protected]) pasiekiama 24/7.

Key conditions

Assistance call deadline

Before seeking treatment abroad, the insured must first contact the 24/7 assistance company; for inpatient treatment or death, notification is required within 24 hours, in all other cases within 7 calendar days of return from the trip.

Unauthorized treatment

If notification deadlines are missed without justification and this causes the insurer or assistance company to lose the ability to negotiate treatment prices directly with the clinic, the payout may be reduced by 20%; failure to follow the insurer's instructions after a claim is reported can also reduce the payout by 20%.

Purchase while abroad

A policy concluded while the insured is already abroad does not take effect immediately; it takes effect only 7 calendar days after conclusion and payment of the premium, unless otherwise agreed.

Chronic conditions

A chronic disease is defined as a health condition already existing when the policy was concluded (even if undiagnosed) or for which the insured sought consultation, treatment or medication in the 6 months before conclusion; diagnosis and treatment of chronic diseases and their exacerbations are excluded, except unforeseeable, life-threatening exacerbations requiring only urgent care.

Pregnancy

Consultations, tests, childbirth, post-natal newborn care, termination of pregnancy and any pregnancy-related health disorders are excluded, except one emergency consultation and related hospital transport for pregnancy/childbirth complications, capped at EUR 300; routine pregnancy symptoms and monitoring are not reimbursed.

Pre-existing condition exclusions

Health conditions known or existing before the policy started, including chronic illness and its complications, are excluded from cover; the insurer may require medical documentation before concluding the contract.

Coverage duration limit

If the insured's health prevents return or transport home, the medical cover for that condition can be extended for up to 20 additional calendar days at the insurer's written decision; policies with a discounted ('lengvatinė') multi-trip structure limit each individual trip to a maximum duration (e.g. up to 30 days) stated in the certificate.

Direct payment

For inpatient (stacionarinis) treatment, the insured must contact the 24/7 assistance company (UAB OPS International) before or promptly upon admission so that costs can be settled directly (cashless) with the medical provider; for outpatient (ambulatorinis) treatment the insured may pay for services themselves and later claim reimbursement against original invoices and medical certificates.

Territorial scope

Coverage applies only in the territory stated in the insurance certificate, excluding the country of the insured's citizenship or permanent residence; a contract concluded while the insured is already abroad does not take effect except after 7 calendar days from conclusion and payment of the premium.

Documents

Travel Insurance Terms and Conditions No. 061 (opens in a new tab)

Terms & conditions · PDF

Travel Insurance Product Information Document (DPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Emergency medical expenses

Coverage for acute illness or injury requiring urgent medical care abroad

Source

Section: Kelionių draudimas – nuo ko galime apdrausti? > Medicininių išlaidų ir repatriacijos draudimas

apsaugo nuo išlaidų, patirtų kelionės metu prireikus medicininės pagalbos, bei repatriacijos.

Medical repatriation

Coverage for transportation back to Lithuania for further hospital treatment if required

Source