Feature / category	Atlas Insurance PCC Limited	Citadel Insurance p.l.c.	Elmo Insurance Limited	GasanMamo Insurance Limited	HSBC Life Assurance (Malta) Limited	MAPFRE Middlesea p.l.c.
Online purchase	Yes	Yes	Yes	Yes	No	Yes
24/7 helpline	Yes	Yes	Yes	Yes	Yes	Yes
Medical expenses	€60,000 – €300,000				Only in Section B	Only in Section 2
Medical transport					Only in Section B - items 1 and 4	Only in Section 2A
COVID-19 treatment					Only in Section L	Only in Section 2, Optional Extensions – COVID-19 Extension
Personal liability					Only in Section G	Only in Section 5
Emergency dental					Only in Section B - item 3	Only in Section 2A
Search & rescue					Only in Section B - item 1	Only in Section 2A
Legal assistance					Only in Section G, Claims Conditions 2	Only in Section 5
Emergency medical treatment	€60,000 – €300,000				Only in Section B	Only in Section 2
Hospitalization		Only in Standard, Club			Only in Section C	Only in Section 2B
Outpatient treatment					Only in Section B	Only in Section 2B
Medical evacuation					Only in Section B - item 5	Only in Section 2
Repatriation of remains					Only in Section B - item 2	Only in Section 2A
Pre existing conditions
Winter sports cover					Only in Section N, General Exclusion 5	Only in Optional Extensions – Winter Sports Extension, General Exclusions xv
Adventure sports cover
Pregnancy complications					Only in Section B, Important Conditions relating to Health	Only in General Exclusions ix / xxxiii