Baloise Assurances Luxembourg S.A. / Baloise Vie Luxembourg S.A.
Baloise
Baloise is a travel insurance for the Luxembourg market with no online purchase and 24/7 assistance.
Direct payment
Baloise Assistance coordinates and organises medical transport, repatriation and hospitalisation directly; costs are generally advanced or settled by the insurer via the assistance provider, subject to prior authorisation. Claims must be reported within 8 days of the incident.
Geographic scope
LU
Worldwide (excluding countries under general travel ban or active war zones)
Unique selling points
- Medical expenses covered up to €500,000 — significantly above the basic market minimum — across three selectable coverage tiers (Classic, Comfort, Privilege).
- Fully modular product: policyholders freely combine up to four independent components (medical assistance, vehicle assistance, cancellation, luggage) without being forced into a bundled package.
- Repatriation to Luxembourg and 24/7 medicine delivery service are included as standard in the travel assistance component, with no stated monetary cap on medical transport.
- Available as either a single-trip policy or an annual contract, providing maximum flexibility for occasional and frequent travellers alike.
- COVID-19 illness is explicitly named as a covered reason for trip cancellation, setting the product apart from basic travel insurance offerings.
Coverage limits
Medical expenses abroad
Covered
Medical expenses covered up to €500,000 depending on the coverage level selected (Classic, Comfort or Privilege). Includes consultations, treatments, medical appliances and prostheses arising from urgent medical necessity during a trip.
Emergency medical treatment
Covered
Emergency medical treatment abroad is included within the overall medical expenses limit of up to €500,000. Baloise Assistance intervenes in cases of acute sudden illness, including acute episodes of chronic or mental illness.
Hospitalisation abroad
Covered
Hospitalisation costs abroad are covered as part of the medical expenses guarantee. No separate sub-limit was identified in available sources; coverage falls within the overall medical expenses ceiling.
Outpatient treatment
Covered
Outpatient treatment during a trip abroad is covered under the medical expenses component, including consultations and medical procedures arising from urgent necessity. No separate sub-limit identified.
Emergency dental treatment
Covered
Emergency dental expenses are covered when they arise from urgent medical necessity during a trip abroad. Dental costs are taken into account in the same context as other urgent medical interventions.
Medical transport
Covered
Medical transport to an appropriate hospital is organised by Baloise Assistance and covered without a stated upper limit. Includes ambulance, helicopter, and air ambulance transport in ski areas and other difficult-to-access locations.
Medical evacuation
Covered
Medical evacuation is organised and covered by Baloise Assistance as part of the travel assistance (Assistance aux personnes) component, including medically assisted repatriation to Luxembourg when necessary.
Repatriation of mortal remains
Covered
Organisation and costs of repatriation of mortal remains to the insured's home in Luxembourg are covered as part of the travel assistance component. No specific monetary cap was identified in available sources.
Search and rescue
Optional
Search and rescue expenses are listed as an optional coverage available under the travel insurance. No specific monetary limit was identified in available sources.
COVID-19 treatment
Covered
COVID-19 is explicitly covered under the cancellation guarantee (illness including Covid). Medical treatment for COVID-19 abroad would fall under the general medical expenses component of the travel assistance.
Pre-existing medical conditions
Excluded
Pre-existing medical conditions are listed among the common exclusions. However, Baloise Assistance does intervene for acute sudden crises arising from chronic or mental illness. Routine or foreseeable treatment of known pre-existing conditions is not covered.
Winter sports cover
Optional
Specific guarantees for winter sports activities are available as an optional coverage component, distinct from standard medical coverage. Includes medical transport in ski areas and other difficult-to-access locations.
Adventure / extreme sports cover
Excluded
Competitive sports are explicitly excluded. Dangerous or extreme sports not specifically listed in the policy are generally excluded. Policyholders should verify specific activity coverage with their agent.
Pregnancy complications
Conditional
Pregnancy-related complications may be covered as an emergency medical event arising suddenly during travel. Coverage depends on the circumstances; routine pregnancy care and planned delivery abroad are not covered. Specific conditions apply.
Personal liability abroad
Optional
Third-party liability (responsabilité civile) abroad is available as an optional coverage under the travel insurance. It is not part of the base assistance component but can be selected as an add-on.
Legal assistance
Excluded
Legal assistance is not identified as a standalone component of the Baloise Travel insurance product. It is not listed among the four main travel components (Assistance aux personnes, Assistance au véhicule, Assurance annulation, Assurance bagages).
24/7 emergency assistance
Covered
24/7 emergency assistance is included as a core feature of the travel assistance component. It covers medical and non-medical travel-related emergencies including repatriation, emergency medical coordination, and medicine delivery. Some assistance services may be provided by partner service providers.
Key conditions
Assistance call deadline
In the event of an emergency abroad, the insured must contact Baloise Assistance as soon as possible to authorise and coordinate medical transport or repatriation. Failure to obtain prior authorisation may affect coverage of unauthorised treatments or transport costs.
Unauthorized treatment
Medical interventions and transport arranged without prior authorisation from Baloise Assistance may not be reimbursed or may be subject to reduced coverage. The insured must take all necessary measures to limit damage and notify the insurer within 8 days of the incident.
Purchase while abroad
The Baloise Travel insurance must be taken out before departure. It can be subscribed for a single occasional trip or as an annual contract. No information was found in official sources confirming the ability to purchase while already abroad.
Chronic conditions
Chronic or mental illness is generally excluded from coverage; however, Baloise Assistance does intervene when the event consists of a sudden acute crisis arising from such a condition. Routine treatment or foreseeable care related to known chronic conditions is not covered.
Pregnancy
Routine pregnancy care and planned deliveries abroad are not covered. Sudden pregnancy complications arising unexpectedly during travel may be treated as an emergency medical event. Policyholders should verify specific conditions with their agent before travel.
Pre-existing condition exclusions
Pre-existing medical conditions are among the standard exclusions. Coverage may apply to an acute sudden crisis arising from a known condition, but planned or foreseeable treatments related to pre-existing conditions are excluded.
Coverage duration limit
The policy can be taken out for a single trip or on an annual basis. No explicit maximum trip duration per journey was found in available sources for the annual contract; the specific limits are defined in the Special Conditions. Single-trip policies end on the date specified in the policy schedule.
Where to buy
Policy specifics
Medical expenses coverage
Medical expenses are covered up to €500,000 depending on the coverage level selected (Classic, Comfort or Privilege). The limit varies by plan tier.
Repatriation and medicine delivery
Repatriation to Luxembourg is included and medicine delivery service is available 24/7 as part of the travel assistance component.
Trip cancellation insurance
Cancellation coverage including illness (including Covid) with coverage of remaining accommodation costs in case of trip interruption. This is an optional module selectable independently.
Luggage and equipment protection
Worldwide coverage for lost luggage and damaged sports equipment, including suitcases, cameras, sports equipment and souvenirs purchased on site. Available as an optional component.
Winter sports specific coverage
Specific guarantees are available for winter sports activities as an optional coverage component distinct from basic medical coverage.
Vehicle breakdown and assistance abroad
Travel insurance includes vehicle repair, towing and replacement vehicle provision if necessary abroad. Available as an optional modular component.
Three coverage level options
Travel insurance can be customised with three coverage levels: Classic, Comfort or Privilege, depending on the insured's needs. Coverage limits and benefits vary by selected level.
Modular insurance components
With TRAVEL, policyholders construct their own travel insurance by opting for one or multiple components independently: Assistance aux personnes, Assistance au véhicule, Assurance annulation, Assurance bagages.
Flexible policy duration
Travel insurance can be taken out for an occasional single trip or as an annual contract, allowing flexibility for different travel patterns.
24/7 emergency assistance
Travel insurance provides 24/7 emergency assistance for medical and non-medical travel-related issues. Emergency assistance telephone: +352 294 141. Some services may be provided by partner service providers.
Sources
- https://www.baloise.lu/dam/baloise-lu/1890/particulier/documents/CG-CS/CG-ASSURANCE-TRAVEL-LUFR-10-22.pdf
- https://www.baloise.lu/en/blog/family-leisure/2022/credit-card-insurance-or-travel-insurance.html
- https://www.baloise.lu/fr/assurance-baloise-luxembourg/faq.html
- https://www.baloise.lu/fr/blog/famille-loisirs/2022/assurance-carte-bancaire-versus-assurance-voyage.html
- https://www.baloise.lu/fr/particuliers/mon-assurance-luxembourg/assurance-voyage.html