LALUX
LALUX is a travel insurance for the LU market with no online purchase and 24/7 assistance.
Direct payment
In the event of hospitalisation abroad, payment is made directly to the hospital; the insured does not need to advance costs.
Geographic scope
LU
Worldwide excluding Luxembourg (Assistance Annuelle); Zone 1: Europe + Algeria, Egypt, Israel, Jordan, Lebanon, Libya, Morocco, Syria, Tunisia, Turkey, Canary Islands, Madeira. Zone 2: worldwide.
Unique selling points
- Direct hospital payment abroad means the insured never has to advance hospitalisation costs out of pocket.
- easyPROTECT is the only Luxembourg contract combining home, car, liability, legal protection, accident and travel insurance in a single policy with one premium and one due date.
- Search and rescue costs on ski slopes are explicitly included in the Annual Assistance guarantee at no extra charge.
- The whole family (spouse, dependent children including those in shared custody, and children temporarily living away from home as apprentices or students) is covered under a single annual policy.
- 24/7 multilingual assistance service organises specialist clinic transfers and maintains direct contact with the insured's family doctor throughout any medical emergency abroad.
Coverage limits
Medical expenses
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Emergency Medical Treatment
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Hospitalization
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Outpatient Treatment
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Emergency dental
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Medical transport
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Medical repatriation / evacuation
Covered
Covers medically necessary repatriation of an insured person who is sick or injured abroad. Maximum of EUR 5,000 applies for Zone 2 (worldwide). Repatriation linked to a relapse of a chronic illness with a risk of sudden and imminent deterioration is excluded.
Repatriation of remains after death abroad
Covered
Covers the repatriation of the insured's remains in the event of death abroad. Zone 1: maximum EUR 2,500; Zone 2: maximum EUR 5,000.
Search & rescue
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COVID-19 treatment
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COVID-19 is not explicitly mentioned as an exclusion in the available IPID documents; emergency medical treatment abroad covers illness generally, which would include COVID-19 requiring emergency care. No specific COVID-19 exclusion or sub-limit found.
Pre-existing conditions / chronic illness relapse
Excluded
Repatriation linked to a relapse of a chronic illness with a risk of sudden and imminent deterioration is explicitly excluded. Trip cancellation due to such a relapse is also excluded.
Winter sports cover (search and rescue on ski slopes)
Covered
Search and rescue costs on ski slopes are explicitly included under the Annual Assistance guarantee. Hired ski equipment is also covered under the optional Baggage guarantee.
Adventure / extreme sports cover
Excluded
Damages related to the practice of certain sports such as gliding, parachuting or hang-gliding are explicitly excluded under the travel accident guarantee.
Pregnancy / childbirth costs
Conditional
Childbirth costs are explicitly excluded from the illness-during-travel guarantee. Pregnancy complications that constitute a medical emergency may be covered under general medical expenses, but routine maternity and delivery costs are not covered.
Personal liability while travelling
Excluded
Personal liability while travelling is not covered under the Pack Voyage / Vacances Sans Soucis product. Family civil liability (RC Familiale) is a separate module within easyPROTECT.
Legal assistance while travelling
Excluded
Legal assistance while travelling is not listed as a covered benefit under the Pack Voyage / Vacances Sans Soucis product. Legal protection is a separate module within easyPROTECT.
24/7 assistance service
Covered
Round-the-clock assistance service included under the Annual Assistance guarantee, covering linguistic assistance, information on medical facilities, coordination of transport to specialist clinics, direct communication with family doctor or relatives, and organisation of repatriation.
Key conditions
Assistance call deadline
The policyholder and/or insured person must notify the Company of any claim as soon as possible and in any event within 8 days of its occurrence. If impossible due to unforeseen circumstances or force majeure, notification must be made as soon as reasonably possible.
Unauthorized treatment
If the policyholder and/or insured person fails to fulfil one of the obligations provided for in the General Conditions and this causes prejudice to the Company, the Company has the right to reduce its benefit. The Company may decline its cover if, with fraudulent intent, the insured has not fulfilled one of these obligations.
Purchase while abroad
The Pack Voyage is an add-on to the easyPROTECT Home contract and must be subscribed in advance. A separate per-trip travel medical product (TRAVEL by DKV Luxembourg) is available for last-minute purchase directly online at www.dkv.lu.
Chronic conditions
Repatriation related to a relapse of a chronic illness with a risk of sudden and imminent deterioration is explicitly excluded. Trip cancellation due to the same cause is also not covered.
Pregnancy
Childbirth costs are explicitly excluded from the illness-during-travel guarantee. Routine maternity care is not covered.
pre_existing_conditions
Relapse of a chronic illness with a risk of sudden and imminent deterioration is excluded from both the Assistance and the Trip Cancellation guarantees.
coverage_duration_limit
The Annual Assistance guarantee applies to stays abroad lasting from one day up to six weeks. The policy is annual and covers private trips only (not professional travel under this product).
Where to buy
Policy specifics
Trip cancellation and interruption
Reimbursement of trip cancellation or interruption costs for stays abroad and 4 days in Luxembourg in event of illness, accident, death or major home damage
Flight delay coverage
Coverage of hotel, meals and transfer costs when flight is delayed more than 4 hours, overbooked, or connection missed
Rental vehicle excess reimbursement
Reimbursement of excess charged by rental company for vehicle damage, up to maximum of €2,500
Repatriation and rescue costs
Coverage for medical repatriation costs and search or rescue costs in case of unforeseen illness or accident
Luggage and personal effects coverage
Coverage for luggage loss or damage from theft, mugging or other accidental causes, plus delayed luggage reimbursement
Annual assistance geographic scope
Annual Assistance guarantee only takes effect when travel occurs outside the Grand Duchy of Luxembourg
Claim notification deadline
Policyholder and insured person must notify company of claim as soon as possible and within 8 days of occurrence