Travel insurance — Luxembourg

[1] Medical expenses: Covered ↩

Medical expenses incurred abroad are covered up to 125,000 EUR under World Full Protection, 250,000 EUR under Classic Protection, and unlimited under World Gold Protection.

[2] Medical transport: Covered ↩

Ambulance transport abroad is covered, if medically prescribed, within the medical expenses ceiling of the chosen formula.

[3] COVID-19 treatment: Covered ↩

A serious medical condition arising during the trip, including the diagnosis of an epidemic or pandemic disease such as COVID-19, is treated as an illness triggering the same emergency medical assistance benefits.

[4] Personal liability: Not established from the reviewed documents ↩

Not found in the reviewed sources for this annual formula.

[5] Emergency dental: Not established from the reviewed documents ↩

Not found in the reviewed sources for this annual formula.

[6] Search & rescue: Not established from the reviewed documents ↩

Not found in the reviewed sources for this annual formula.

[7] Legal assistance: Not established from the reviewed documents ↩

Not found in the reviewed sources for this annual formula.

[8] Emergency medical treatment: Covered ↩

Urgent medical treatment abroad falls under the medical expenses guarantee, ranging from 125,000 EUR (World Full Protection) and 250,000 EUR (Classic Protection) up to unlimited (World Gold Protection).

[9] Hospitalization: Covered ↩

Hospitalization costs abroad are covered under the same medical expenses ceiling per formula; ambulance transport is covered when medically prescribed.

[10] Outpatient treatment: €6,250 ↩

Follow-up medical costs in Belgium (replaced by Luxembourg for LU-domiciled insureds) after an accident abroad are covered up to 6,250 EUR per person.

[11] Medical evacuation: Unlimited ↩

Repatriation costs in case of illness or accident are unlimited under the Assistance Personnes guarantee, common to the Classic Protection, World Full Protection and World Gold Protection formulas.

[12] Repatriation of remains: Unlimited ↩

Repatriation costs in case of death abroad are unlimited under the shared Assistance Personnes guarantee of the Protection formulas.

[13] Pre existing conditions: Excluded ↩

The online insurance formulas on this site do NOT cover pre-existing conditions; Allianz Assistance covers them only via its intermediary network through corporate formulas.

[14] Winter sports cover: Not established from the reviewed documents ↩

Not found in the reviewed sources for this annual formula.

[15] Adventure sports cover: Excluded ↩

For the World Gold Protection formula, the follow-up medical costs guarantee does not apply after an accident occurring during the practice of a sport or participation in a competition involving motor vehicles (trials, competitions, rallies, raids...) or their training.

[16] Pregnancy complications: Not established from the reviewed documents ↩

Not found in the reviewed sources for this annual formula.

[17] Medical expenses: €500,000 ↩

Medical, surgical, pharmaceutical and hospitalization costs are reimbursed up to €500,000, with the exact ceiling depending on the coverage tier chosen (Classic, Confort or Privilège). Medication cost itself remains payable by the insured; only shipping costs are covered by Baloise.

Assurance voyage avec couverture médicale jusqu'à 500 000€* - Rapatriement et envoi de médicaments inclus

[18] Medical transport: Covered ↩

Transport and/or repatriation of a sick or injured insured person is included in all three coverage tiers (Classic, Confort, Privilège), with no stated monetary cap.

[19] COVID-19 treatment: Conditional ↩

Baloise markets its Travel policy as including 'Assurance annulation incluant la couverture maladie (y compris Covid)'. For epidemics/pandemics such as Covid-19, treatment under the policy depends on the general conditions in force and any endorsements ('leur traitement dépend des conditions générales en vigueur et des éventuels avenants'); no dedicated Covid-19 medical treatment limit distinct from the general illness/medical expenses guarantee was found.

Pour ce qui concerne les épidémies ou pandémies (comme le Covid‑19), leur traitement dépend des conditions générales en vigueur et des éventuels avenants.

[20] Personal liability: Optional ↩

Baloise Travel insurance offers third-party liability abroad as a specific option alongside medical cover, though no exact sum insured was found in the reviewed sources.

You benefit from medical cover of up to €500,000, 24-hour assistance and specific options such as third-party liability abroad or assistance with your car hire.

[21] Emergency dental: Covered ↩

Emergency dental costs are reimbursed as part of the medical expenses guarantee (art. 4.8 'Remboursement des frais médicaux, dentaires, chirurgicaux, pharmaceutiques et d'hospitalisation') under the Travel Protect general conditions; no separate sub-limit for dental care is specified in the available text.

[22] Search & rescue: €3,250 – €6,250 ↩

Search and rescue costs are covered up to €3,250 under Classic and Confort, and up to €6,250 under Privilège.

[23] Legal assistance: Excluded ↩

No mention of a legal assistance/protection juridique guarantee was found within Baloise Luxembourg's Travel (CG-ASSURANCE-TRAVEL / Travel Protect) general conditions. Baloise Luxembourg offers 'Assurance de la protection juridique' as a separate, distinct product line (connected to civil liability/auto insurance, e.g. CS-PROTECTION-JURIDIQUE-LUFR), not as an integrated component of the Travel policy.

[24] Emergency medical treatment: €500,000 ↩

Emergency medical, surgical and pharmaceutical treatment abroad is covered under the same guarantee as medical expenses, up to €500,000 depending on tier.

[25] Hospitalization: €5 – €12 ↩

In addition to the reimbursement of hospitalization costs under the medical expenses guarantee, the travel accident guarantee pays a daily hospitalization allowance per insured person: not covered under Classic, €5/day under Confort, €12/day under Privilège.

[26] Outpatient treatment: Covered ↩

Outpatient medical treatment is covered within the general medical expenses guarantee; no separate sub-limit was found in the reviewed sources.

[27] Medical evacuation: Covered ↩

Medical evacuation is covered under the same 'transport and/or repatriation of the sick or injured' guarantee, included across all three tiers.

[28] Repatriation of remains: €750 – €1,500 ↩

In the event of death of an insured person abroad, Baloise organizes the funeral formalities; coffin costs are covered up to €750 (Confort) or €1,500 (Privilège) per the guarantee table.

[29] Pre existing conditions: Excluded ↩

Baloise's own FAQ on travel insurance lists pre-existing conditions among common exclusions from travel insurance cover.

Les exclusions courantes incluent les accidents dus à l'usage de drogues ou d'alcool, les maladies préexistantes, les sports dangereux non couverts, et les actes intentionnels.

[30] Winter sports cover: €125 – €250 ↩

Winter sports cover (sledge/helicopter descent costs and transfer to hospital) is included under Confort and Privilège tiers only, not Classic; ski-pass reimbursement is €125/insured under Confort and €250/insured under Privilège.

[31] Adventure sports cover: Conditional ↩

The Travel general conditions include a specific definitions entry for 'Sports à risque, sports dangereux, sports exclus', indicating risky/dangerous sports are treated as a distinct category subject to particular conditions or exclusions rather than being covered under the standard guarantees. Separately, the product page advertises 'Garanties spécifiques pour le sport d'hiver' (specific winter sports cover) depending on the chosen formula (Classic, Confort, Privilège), suggesting adventure/winter sports cover is conditional/optional rather than automatically included.

[32] Pregnancy complications: Conditional ↩

According to Baloise Luxembourg's own FAQ on trip cancellation insurance, cancellation cover can apply 'en cas de complication médicale, d'accouchement prématuré, de contre-indication médicale de voyager, et, dans certaines situations, de grossesse en tant que telle lorsque le voyage est prévu' during specific stages; a normal pregnancy outside these cases is generally not covered ('Une grossesse normale hors de ces cas n'est généralement pas couverte'). Coverage depends on the Travel general conditions and any endorsements in force.

Oui, dans les cas prévus au contrat, notamment en cas de complication médicale, d’accouchement prématuré, de contre‑indication médicale de voyager, et, dans certaines situations, de grossesse en tant que telle lorsque le voyage est prévu durant les derniers mois et a été souscrit avant le début de la grossesse. Une grossesse normale hors de ces cas n’est généralement pas couverte.

[33] Medical expenses: €30,000 – €150,000 ↩

Aggregate maximum reimbursement per insured person for outpatient treatment, dental care and hospitalisation combined: EUR 30,000 per insured trip under the standalone TRAVEL tariff (Art. 11), or EUR 150,000 per claim under the TRAVEL+ benefit bundled free of charge with certain DKV health tariffs such as COMPLETE, EASY HEALTH, PLUS EXCLUSIVE and PLUS HEALTH (Art. 8). Repatriation costs are subject to separate limits.

up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

[34] Medical transport: Covered ↩

Medically necessary transport to the nearest accessible doctor or hospital by an approved emergency service is covered as part of the outpatient and hospitalisation benefits, within the overall aggregate cap.

Transport costs arising from the approved emergency services that are necessary to take the patient/accident victim to the nearest doctor.

[35] COVID-19 treatment: Excluded ↩

Damage resulting from an epidemic or pandemic illness is explicitly excluded from cover under both the TRAVEL and TRAVEL+ general conditions.

Losses resulting from earthquakes, civil or foreign war, acts of terrorism or sabotage, riots, civil commotion, strikes and lockouts, or any comparable event, as well as epidemics or pandemics;

[36] Personal liability: See details ↩

Not addressed by the provided TRAVEL/TRAVEL+ sources; this is a health-only travel product.

[37] Emergency dental: €250 ↩

Up to 100% of costs for pain-relieving dental treatment, medically necessary simple fillings, and repair of existing dentures to restore chewing ability; provisional dentures are capped at EUR 250. This EUR 250 sub-limit is identical under TRAVEL and TRAVEL+. Dental prostheses and crowns are excluded.

Provisional prostheses up to a maximum of two hundred and fifty euro (EUR 250).

[38] Search & rescue: €5,000 ↩

Costs for a search, rescue or salvage operation by recognised rescue services are covered up to EUR 5,000 under the TRAVEL+ general conditions. In the case of a medical emergency on a ski slope, this cover applies only if the insured person was on a marked and open piste at the time. The joint TRAVEL/TRAVEL+ IPID lists this as an included benefit, but the standalone TRAVEL general conditions (Art. 11) do not restate a separate sub-limit for it; it would therefore fall within TRAVEL's overall EUR 30,000 aggregate cap.

The costs of search and rescue by the approved local rescue services are fully covered by us, up to a maximum of five thousand euro (EUR 5,000) per insured person.

[39] Legal assistance: See details ↩

Not addressed by the provided TRAVEL/TRAVEL+ sources; this is a health-only travel product.

[40] Emergency medical treatment: €30,000 – €150,000 ↩

Medically necessary treatment for an unforeseen accident or illness occurring abroad is reimbursed up to the aggregate cap (EUR 30,000 under TRAVEL, EUR 150,000 under TRAVEL+).

up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

[41] Hospitalization: Covered ↩

Up to 100% of costs for medical treatment (including surgery), the hospital stay (single-room accommodation), medically necessary transport to the nearest hospital by an approved emergency service, and accommodation of one parent when a child under 13 is hospitalised. Reimbursed within the overall aggregate cap (see medical_expenses).

In the event of hospitalisation, up to one hundred per cent (100%) of the costs of the services described below are reimbursed:

[42] Outpatient treatment: Covered ↩

Up to 100% of costs for medical consultations, medicines/dressings, remedies (physiotherapy, massages, hydrotherapy, electrotherapy, etc.), medical devices needed for the first time due to an accident abroad (excluding visual and hearing aids), and medically necessary transport to the nearest doctor by an approved emergency service. Reimbursed within the overall aggregate cap.

In the event of illness or an accident up to one hundred per cent (100%) of outpatient costs for the following services are reimbursed:

[43] Medical evacuation: €30,000 ↩

DKV organises and pays for a medically advisable and justifiable return transport of the insured person, either to their place of residence or to the nearest suitable hospital, including the cost of a medically necessary accompanying person. Under the standalone TRAVEL tariff this benefit is capped, together with the deceased-repatriation costs, at EUR 30,000 per insured person (Art. 11.4). Under TRAVEL+ no separate aggregate cap is stated for this benefit beyond the sub-limits listed under repatriation of remains (Art. 8.6).

Nous organisons et prenons en charge les coûts d’un rapatriement médicalement utile et acceptable de la personne assurée.

[44] Repatriation of remains: Covered ↩

In the event of death, DKV organises and pays for transfer of the mortal remains to the country of residence, covering the undertaker's costs abroad, on-site preservation of the body, and transport of the remains to the place of burial or cremation. The coffin cost is capped at EUR 1,000 under the standalone TRAVEL tariff and EUR 1,500 under TRAVEL+. Under TRAVEL, this benefit shares a combined EUR 30,000 cap with the living-person repatriation benefit; TRAVEL+ states no separate aggregate cap beyond the coffin sub-limit. Other burial/cremation costs in the country of residence are not covered; luggage return costs are also excluded.

Coffin, up to a maximum of one thousand euro (EUR 1,000);

[45] Pre existing conditions: Excluded ↩

Treatment for a condition diagnosed before the trip as requiring care during the planned journey (e.g. scheduled dialysis) is excluded, as is treatment where a pre-trip medical diagnosis showed the insured was unfit to travel; medication needed for a pre-existing long-term treatment plan started before departure is not reimbursed.

Treatment that was established before departure (on the basis of a medical diagnosis) to be necessary even in the normal course of your trip (for example, dialysis)

[46] Winter sports cover: Conditional ↩

Ordinary accident or illness treatment sustained while skiing is covered as any other insured event. However, cover for search-and-rescue costs following a medical emergency on a ski slope applies only if the insured person was on a marked and open piste at the time of the emergency.

in the event of an accident on a ski slope, the costs of search, rescue and evacuation by the approved rescue services are only be paid by us if the patient/accident victim was on a marked and open ski slope at the time of the accident.

[47] Adventure sports cover: See details ↩

Not addressed by the provided TRAVEL/TRAVEL+ sources beyond the general exclusion of professional-level competitive sports and accidents during motor-vehicle races.

[48] Pregnancy complications: Conditional ↩

Costs related to a pregnancy, termination, sterilisation, miscarriage or childbirth known to the insured person before departure are excluded. However, acute, unforeseeable pregnancy complications, premature births before the end of the 32nd week of pregnancy, and miscarriages are covered, including necessary treatment of the premature infant.

treatment following acute pregnancy complications that could not have been foreseen by the insured person prior to departure, including premature birth before the end of the 32nd week of pregnancy, miscarriage and medically necessary treatment of a premature baby;

[49] Medical expenses: €1,250,000 ↩

Reimbursement of medical expenses paid abroad up to a maximum of 1,250,000 EUR under the Contrat Annuel. A 60 EUR deductible applies; if the insured is not affiliated or not in good standing with the Caisse Nationale de Santé, cover is limited to a maximum of 1,240 EUR.

[50] Medical transport: Covered ↩

Europ Assistance organizes and bears the cost of transporting the sick or injured insured (plus a companion and pets) back home; no stated ceiling. Local ambulance costs are included within the medical expense reimbursement.

[51] COVID-19 treatment: See details ↩

Not mentioned in the available sources.

[52] Personal liability: See details ↩

Not mentioned as a covered benefit in the available sources.

[53] Emergency dental: See details ↩

Not mentioned in the available sources.

[54] Search & rescue: €5,000 ↩

Reimbursement of search costs in case of an accident on or off marked ski slopes, up to a maximum of 5,000 EUR. Off-piste accidents are only covered if the beneficiary is accompanied by an instructor from an organization accredited for off-piste skiing.

[55] Legal assistance: €1,250 ↩

Advance of lawyer's fees up to 1,250 EUR and of penal bail costs up to a maximum of 12,500 EUR in case of legal proceedings abroad.

[56] Emergency medical treatment: Covered ↩

Emergency medical treatment abroad is covered within the single 1,250,000 EUR foreign medical expenses limit; no separate sub-limit is stated.

[57] Hospitalization: Covered ↩

Hospitalization costs abroad fall within the overall 1,250,000 EUR foreign medical expenses limit. Separately, if hospitalized alone abroad (adult, minimum 5 days), visitors' hotel costs are covered at 65 EUR/room/night up to 500 EUR maximum.

[58] Outpatient treatment: Covered ↩

Outpatient medical treatment abroad falls within the overall 1,250,000 EUR foreign medical expenses limit; no separate sub-limit is stated.

[59] Medical evacuation: Covered ↩

Organization and full coverage of transport/repatriation of the sick or injured insured from abroad to their home in Luxembourg or a nearby hospital, with medical supervision if necessary; no ceiling is stated.

[60] Repatriation of remains: €620 ↩

Repatriation in case of death, plus coffin and funerary urn costs, up to 620 EUR abroad.

[61] Pre existing conditions: Excluded ↩

Pathological, mental or depressive states, and relapses or worsening of a pre-existing condition known before departure, are excluded.

[62] Winter sports cover: Conditional ↩

Accidents off marked ski slopes are only covered if the beneficiary is accompanied by an instructor from an organization accredited for off-piste skiing (search and rescue costs are capped at 5,000 EUR, see search_and_rescue).

[63] Adventure sports cover: See details ↩

Not mentioned in the available sources.

[64] Pregnancy complications: See details ↩

Not explicitly addressed as a distinct benefit in the available sources; a related air-travel restriction for pregnancy over 28 weeks exists (see key_conditions.pregnancy).

[65] Medical expenses: €125,000 – €1,000,000 ↩

Covers medical costs not reimbursed by social security up to €125,000 under a separate travel policy (temporary or annual), or up to €1,000,000 if travel cover is taken as an option within the mozaïk home insurance policy.

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

[66] Medical transport: Covered ↩

24/7 assistance partnership with Europ Assistance covers medical repatriation to Luxembourg, with repatriation methods including special flight, ambulance, or accompanied transport as needed; no monetary limit stated.

Abroad, a little issue can quickly become a serious problem. You can count on Foyer Lux-Assurances anytime and anywhere in the world. Foyer offers you 24-hour assistance, in partnership with Europ Assistance, to return to Luxembourg.

[67] Emergency medical treatment: €125,000 – €1,000,000 ↩

Emergency medical treatment abroad falls under the same overall medical expenses ceiling described above (€125,000 standalone / €1,000,000 mozaïk option); no separate sub-limit is stated.

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

[68] Hospitalization: €125,000 – €1,000,000 ↩

Hospital stays abroad are covered as part of the general 'medical costs' guarantee, subject to the same overall ceiling (€125,000 standalone / €1,000,000 mozaïk option); no separate hospitalization sub-limit is stated.

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

[69] Outpatient treatment: €125,000 – €1,000,000 ↩

Outpatient medical treatment abroad is covered as part of the general 'medical costs' guarantee, subject to the same overall ceiling (€125,000 standalone / €1,000,000 mozaïk option); no separate outpatient sub-limit is stated.

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

[70] Medical evacuation: Covered ↩

Foyer, in partnership with Europ Assistance, organizes medical repatriation/evacuation to Luxembourg via special flight, ambulance, or accompanied transport as needed; no monetary limit stated.

Abroad, a little issue can quickly become a serious problem. You can count on Foyer Lux-Assurances anytime and anywhere in the world. Foyer offers you 24-hour assistance, in partnership with Europ Assistance, to return to Luxembourg.

[71] Winter sports cover: Covered ↩

According to Foyer's own blog content on winter sports insurance, the Travel module of Foyer's mozaïk insurance covers events not fully covered by travel/personal-accident or liability insurance, including luggage, trip cancellation, reimbursement of the stay, and mountain rescue services both on-piste and off-piste. No single euro figure for the search-and-rescue/mountain rescue limit is stated in the available product description; it is presented qualitatively as an included benefit of the Travel module.

There are still a few elements that the two previous insurances that do not cover you in full: your luggage, cancellation of your trip, reimbursement of your stay, mountain rescue services, on and off-piste. All of these are covered by travel insurance.

[72] Medical expenses: Covered ↩

The Insurer provides a 100% refund of eligible medical expenses, subject to the maximum annual limit specified in the Insurance Policy's Special Conditions, unless otherwise agreed; the Special Conditions excerpts reviewed reference this annual limit without stating its monetary value.

Depending on the insurance plan taken out and the terms of the Insurance Policy, the Insurer shall provide 100% refund of eligible medical expenses up to the maximum annual limit specified in the present Special Conditions, unless otherwise agreed in the Insurance Policy.

[73] Medical transport: Covered ↩

The Insurance Policy covers the reasonable costs of transport to the nearest suitable hospital or medical facility for primary care after an Accident or in an Emergency; the Special Conditions reviewed do not state a separate monetary cap for this benefit.

The Insurance Policy covers the reasonable transport costs to the nearest suitable hospital or to the nearest suitable medical facility.

[74] COVID-19 treatment: See details ↩

Not addressed for the PROTECT plan specifically in the retrieved documents (unlimited COVID-19 reimbursement is advertised for the Essential/Special/Exclusive plans, not confirmed for PROTECT).

[75] Personal liability: See details ↩

Not addressed in the retrieved PROTECT documents.

[76] Emergency dental: Covered ↩

Emergency dental treatment covers treatment of mouth and gum disorders, all simple fillings (amalgam or plastic), root canal work, anaesthetist costs, surgery and extractions; the Special Conditions reviewed do not specify a separate monetary limit for this benefit.

Emergency dental Treatment Treatment of mouth and gum disorders All simple fillings - either amalgam (silver) or plastic (white) Root canal work Anesthetist costs Surgery Extractions

[77] Search & rescue: See details ↩

Not addressed in the retrieved PROTECT documents.

[78] Legal assistance: Covered ↩

If required, the Insurer arranges selected English-, German-, French- or Spanish-speaking lawyers/experts in the Insured Party's country of habitual residence; no monetary limit is specified for this service.

If required, the Insurer shall provide selected English-, German-, French- or Spanish-speaking lawyers/experts in the country of habitual residence of the Insured Party.

[79] Emergency medical treatment: Covered ↩

PROTECT provides emergency medical treatment and related benefits for insured parties temporarily living abroad for less than one year; it is designed as a short-term insurance solution.

The insurance policy begins on the date specified in the Particular Conditions (policy effective date) and ends at the specified end-date. The maximum insurance period is 12 months.

[80] Hospitalization: Covered ↩

General hospital treatment is covered without any time limit for the inpatient stay itself, provided the Insurer's service centre is informed before or within three calendar days of admission. Specific inpatient sub-benefits carry their own sub-limits (e.g. congenital conditions up to EUR 100,000 lifetime, bone marrow/organ transplant up to EUR 150,000 lifetime, daily hospital allowance of EUR 75 per day, home nursing care up to 30 days per hospital stay per year, inpatient rehabilitation up to 21 days per stay, hospice care up to 5 weeks per year); no single overall monetary cap for inpatient treatment as a whole is stated in the excerpts reviewed.

The Insurance Policy covers the entire Medical Treatment received as inpatient treatment without any time limit, provided that the Insurer's service center is contacted and informed of the relevant hospital stay and Medical Treatment before, or within three calendar days of admission to the hospital.

[81] Outpatient treatment: Covered ↩

Outpatient medical treatment, performed in a doctor's surgery or hospital without overnight admission, is reimbursed at 100% less the agreed Deductible; Global Health Protect offers Deductible variants of EUR 0 or EUR 250 per Insurance Year and per Insured Party, applicable only to outpatient treatment. The Special Conditions do not state a single overall annual monetary limit for outpatient treatment as a whole; specific sub-benefits (e.g. acupuncture/homoeopathy EUR 1,000, over-the-counter drugs EUR 50, therapeutic aids EUR 750, physiotherapy 15 sessions) carry their own limits.

The Global Health Protect plan has the following Deductible variants: EUR 0 EUR 250. The Deductible applies per Insurance Year and per Insured Party and only for outpatient treatment as defined under clause 5.3.3.

[82] Medical evacuation: €3,000 ↩

If specifically agreed beforehand in writing by the Insurer and if medically necessary to transport the Insured Party for Medical Treatment, the Insurer reimburses the transportation costs (first class rail ticket, Economy Class flight) for the return trip to the country of habitual residence, up to a maximum of EUR 3,000 per Insured Party and Insurance Year.

If specifically agreed beforehand and in writing by the Insurer, and if it is Medically Necessary to transport the Insured party for a Medical Treatment, the Insurer shall reimburse the transportation costs (first class rail ticket, Economy Class flight) for the Insured party's return trip to its country of habitual residence, up to a maximum value of EUR 3,000 per Insured Party and per Insurance Year.

[83] Repatriation of remains: €10,000 ↩

Transfer of the mortal remains of the Insured Party to the Country of Origin and the related formalities are reimbursed up to a maximum of EUR 10,000 per Insured Party and Insurance Year; transfer of the urn in the event of cremation is included, but funeral costs are not covered.

Reimbursement of the costs for the transfer of the mortal remains of the Insured Party to the Country of Origin and the costs for the formalities associated with the transfer up to a maximum amount of EUR 10,000*.

[84] Pre existing conditions: Excluded ↩

Instead of a comprehensive medical risk assessment, a moratorium clause is applied: all existing illnesses and ongoing treatments are excluded from insurance cover under PROTECT.

[85] Winter sports cover: See details ↩

Not addressed in the retrieved PROTECT documents.

[86] Adventure sports cover: See details ↩

Not addressed in the retrieved PROTECT documents.

[87] Pregnancy complications: See details ↩

Not addressed in the retrieved PROTECT documents.

[88] Medical expenses: Covered ↩

Medical expenses, medication and hospitalisation costs are covered in the event of illness or an accident abroad.

Health above all! Annual assistance takes good care of you in the event of unforeseen illness or accident during your holidays and excursions abroad.

[89] Medical transport: Covered ↩

As part of Assistance Annuelle, LALUX organises transport or transfer to a specialist clinic ("organisation du transport ou du transfert dans une clinique spécialisée") and provides search and rescue cost cover up to 5,000 EUR ("Frais de recherche et sauvetage (max. 5.000 EUR)"); no separate transport-only monetary limit is stated in the IPID.

Frais de recherche et sauvetage (max. 5.000 EUR)

[90] COVID-19 treatment: See details ↩

Not specified in the available sources.

[91] Search & rescue: €5,000 ↩

Search and rescue costs are covered up to a maximum of EUR 5,000 for guarantees valid during trips abroad in the event of illness, accident and other covered events.

Frais de recherche et sauvetage (max. 5.000 EUR)

[92] Emergency medical treatment: Covered ↩

Medical expenses, medication and hospitalisation costs are covered in the event of illness or an accident abroad.

Health above all! Annual assistance takes good care of you in the event of unforeseen illness or accident during your holidays and excursions abroad.

[93] Hospitalization: Covered ↩

Hospitalisation costs are covered in the event of illness or an accident abroad.

Furthermore, the repatriation as well as search or rescue costs are also covered by the insurance.

[94] Medical evacuation: €50,000 ↩

Rapatriement en cas de maladie (si médicalement utile) ou décès, jusqu'à concurrence de 50.000 EUR par personne assurée et par année civile.

Rapatriement en cas de maladie (si médicalement utile) ou décès, jusqu’à concurrence de 50.000 EUR par personne assurée et par année civile