Akcine draudimo bendrove Gjensidige
Gjensidige
Gjensidige is a travel insurance for the Lithuania market with online purchase and 24/7 assistance.
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.
Geographic scope
Worldwide (abroad only), excluding Russia, Belarus and Israel
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
Search and rescue costs
Excluded
Costs of searching for the insured's body are explicitly excluded from cover.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Policy specifics
Emergency medical expenses
Coverage for acute illness or injury requiring urgent medical care abroad
SourceSource no longer reachableMedical repatriation
Coverage for transportation back to Lithuania for further hospital treatment if required
SourceSource no longer reachableEmergency dental care
Limited coverage for emergency dental treatment abroad, typically up to EUR 200
SourceSource no longer reachableMedication and dressing expenses
Coverage for essential medications, dressings and medical supplies prescribed during treatment, including over-the-counter essentials
SourceSource no longer reachableTerrorist attack medical coverage
Special coverage for emergency medical care, repatriation and body repatriation if body injury or death occurs during terrorist attack
SourceSource no longer reachableAccompanying person travel
Coverage for travel costs of companion/family member accompanying insured person returning to Lithuania for hospital treatment
SourceSource no longer reachableChildren repatriation without adult supervision
Coverage for transport of children under 16 years left without adult supervision due to insured's hospitalization abroad
SourceSource no longer reachableEmergency phone call expenses
Coverage for emergency phone call expenses related to insured medical event
SourceSource no longer reachableAssistance company contact requirement
Policyholder must contact assistance company within 24 hours before seeking medical treatment abroad
SourceAcute illness requirement
Coverage only applies to sudden, unexpected acute illness or accidental injury, not pre-existing chronic conditions
SourceMINI variant - EU travel only
MINI variant is optional coverage for Lithuanian citizens with valid European Health Insurance Card traveling to EU countries only
SourceGeographic territorial scope
Coverage applies only to designated territory specified in insurance policy; does not apply in insured's country of nationality or permanent residence
SourceSource no longer reachableEvent reporting deadline
For hospitalization events, must report within 24 hours; for outpatient cases, must report within 7 calendar days of return
SourceSources
- https://www.gjensidade.lt/-/media/LT/dokumentai/2024/Kelioniu-draudimas/ENKelioni-draudimo-taisykls-galioja-nuo-2021-05-11-angl-kalba-Nr-0612024-09-10.pdf
- https://www.gjensidade.lt/-/media/LT/dokumentai/2024/Kelioniu-draudimas/LTKelioni-draudimo-taisykls-galioja-nuo-2021-05-11-lietuvi-kalba-Nr-0612024-09-10.pdf
- https://www.gjensidade.lt/apie-keliones-draudimaSource no longer reachable
- https://www.gjensidade.lt/atsitikus-ivykiui/kelioniu-asmens-sveikatos-draudimo-ivykiai
- https://www.gjensidade.lt/keliones-draudimasSource no longer reachable
- https://www.gjensidige.lt/keliones-draudimas