LA LUXEMBOURGEOISE, Société Anonyme d'Assurances et de Placement
LALUX
LALUX is a travel insurance for the Luxembourg market with no online purchase and 24/7 assistance.
Direct payment
Not specified in the available sources.
Geographic scope
Worldwide
Cover applies to trips abroad for illness, accident and other insured events; the annual cancellation cover also reimburses costs for stays abroad and for 4 days in Luxembourg immediately before departure.
Unique selling points
- A single annual policy covers all trips worldwide throughout the year, avoiding the need to buy separate insurance for each trip.
- Annual cancellation/interruption cover extends to reimburse costs for stays abroad as well as 4 days spent in Luxembourg immediately before departure.
- Flight delay protection covers hotel, meals and transfer costs for delays over four hours, overbooking or missed connections.
- easyPROTECT is marketed as the only all-in-one contract in Luxembourg letting customers combine home, car, family civil liability, legal protection, accident and travel cover.
Coverage limits
Medical expenses
Covered
Medical expenses, medication and hospitalisation costs are covered in the event of illness or an accident abroad.
Emergency medical treatment
Covered
Medical expenses, medication and hospitalisation costs are covered in the event of illness or an accident abroad.
Hospitalization
Covered
Hospitalisation costs are covered in the event of illness or an accident abroad.
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.
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.
Search and rescue costs
€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.
Key conditions
Assistance call deadline
Not specified in the available sources.
Unauthorized treatment
Not specified in the available sources.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Not specified in the available sources.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Not specified in the available sources.
Coverage duration limit
Travel Pack is offered as an annual policy so that all trips worldwide throughout the year are covered under a single contract; the sources do not specify a maximum duration for a single trip.
Policy specifics
Trip cancellation
Annual trip cancellation or interruption costs for stays abroad and 4 days in Luxembourg covered in the event of illness, accident, death or major home damage before departure
SourceBaggage and luggage protection
Coverage for loss or damage to luggage, including electronic devices, car roof box contents, bicycles, skis and personal effects
SourceMedical repatriation
Coverage for medical repatriation costs and return travel expenses when medically necessary
SourceFlight delay compensation
Coverage for hotel, meals and transfer costs when flight is delayed more than four hours, overbooked, or missed connection occurs
SourceAnnual coverage period
Travel Pack provides year-round protection for all trips worldwide within a single annual contract period
SourceWorldwide coverage
Travel Pack coverage applies anywhere in the world throughout the year without geographic restrictions
SourceeasyPROTECT integration
Travel Pack is an optional add-on to easyPROTECT Home insurance, combining with home, auto, civil liability, legal protection and accident coverage
Source24/7 assistance services
Round-the-clock assistance services available to policyholders during travel emergencies and unforeseen circumstances
Source