Baloise Travel insurance (Travel)

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.

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

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.

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

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.

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.

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

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.

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

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.

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

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.

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.

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.

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.

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.