Travel insurance — Portugal

[1] Medical expenses: Covered ↩

Reimburses necessary medical, surgical and pharmaceutical costs and medical transport incurred abroad due to an accident or illness during a covered business or leisure trip, as a complement to any social security or other insurance reimbursement. The insured capital for illness-related medical expenses is reduced to €50,000 once the insured person turns 75, unless otherwise agreed in the Special Conditions.

logo que a Pessoa Segura perfaça 75 anos de idade, o Capital Seguro para Despesas Médicas por Doença é reduzido para 50.000 Euros.

[2] Medical transport: Covered ↩

Medical transport costs incurred abroad as part of medical treatment are covered under the Medical Expenses Abroad benefit, for both business and leisure trips.

A Seguradora garante o reembolso das despesas incorridas pela Pessoa Segura, durante a viagem de negócios ao estrangeiro, com o pagamento de cuidados médicos, despesas farmacêuticas e transporte médico.

[3] COVID-19 treatment: See details ↩

The AIG Individual Travel General Conditions reviewed do not contain specific COVID-19 provisions or exclusions.

[4] Personal liability: Covered ↩

Covers the insured's personal civil liability for accidental bodily injury or property damage caused to third parties during a covered business or leisure trip, up to the annual aggregate limit set in the Special Conditions; the insured's partner, children and the policyholder are not considered third parties.

A Seguradora cobrirá a responsabilidade civil durante uma viagem de negócios sempre que a Pessoa Segura, acidentalmente: Provoque lesões corporais, doença ou morte de um terceiro; ou, Danifique o património de um terceiro;

[5] Emergency dental: See details ↩

Not separately addressed in the AIG Individual Travel General Conditions reviewed; no explicit emergency dental benefit or limit is stated in the sources analysed.

[6] Search & rescue: €25,000 ↩

Covers search and rescue costs following an accident or illness during a covered trip, up to €25,000, as part of the Assistance service.

São garantidos os custos com a Busca e Salvamento da Pessoa Segura, até 25.000 euros.

[7] Legal assistance: Covered ↩

Covers legal costs to pursue a claim against a third party liable for the insured's bodily injury, illness or death during a trip, plus the costs of a foreign defence lawyer if detained and an advance of bail, up to the limits set in the Special Conditions.

A Seguradora indemnizará o Tomador do Seguro e/ou a Pessoa Segura, até ao limite fixado nas Condições Particulares da apólice, do custo do apoio jurídico que se mostrar necessário...

[8] Emergency medical treatment: Covered ↩

Covers emergency medical treatment abroad, including medical referral, and the insurer pays hospitals directly so the insured does not need to advance funds.

A Seguradora, no caso de hospitalização, efectuará o pagamento directamente ao hospital, sem que a Pessoa Segura tenha que fazer um pagamento antecipado.

[9] Hospitalization: Covered ↩

If continued clinical treatment is needed after returning to Portugal following an accident or illness abroad, the insurer pays reasonable hospitalization costs for up to 90 days, within 1 year of the accident or diagnosis, up to the limit set in the Special Conditions.

a Seguradora pagará os custos razoáveis e necessários de um internamento hospitalar até ao limite fixado nas Condições Particulares da apólice, na medida em que esses custos forem incorridos no prazo de 1 (um) ano a contar da data do acidente ou do diagnóstico da doença, sendo que o período dos tratamentos clínicos não poderá exceder 90 (noventa) dias.

[10] Outpatient treatment: Conditional ↩

Outpatient medical expenses are covered subject to minimum thresholds: claims not related to hospitalization under €75 are excluded (business and leisure trips), and illness-related claims under €50 are additionally excluded on leisure trips.

Despesas médicas, não relacionadas com hospitalização, inferiores a 75 Euros;

[11] Medical evacuation: Covered ↩

The Assistance service organizes and pays for evacuation/repatriation of the insured to the nearest appropriate hospital or to the country of residence, decided solely by the assistance company's medical team. For business trips, total assistance-related costs (evacuation, accommodation, family accompaniment, etc.) are capped at €75,000 per claim and €750,000 per event; no separate numeric limit is stated for leisure trips beyond the Special Conditions.

Apenas as autoridades médicas da Companhia de Assistência indicada nas Condições Particulares se encontram autorizadas a decidir sobre o repatriamento, a escolha dos meios de transporte e o lugar de hospitalização... A totalidade das despesas incorridas por estas prestações não pode exceder o limite fixado nas Condições Particulares da apólice (75.000 Euros por reclamação e 750.000 Euros por evento).

[12] Repatriation of remains: €7,500 ↩

Covers the cost of repatriating the insured's body or ashes to the country of residence in case of death, plus up to €7,500 for funeral expenses incurred abroad, within the overall assistance limits (business trips: €75,000/claim, €750,000/event).

Ficam garantidos os custos com a realização de Funeral fora do país de residência da Pessoa Segura, até 7.500 euros.

[13] Pre existing conditions: Excluded ↩

Excludes medical expenses arising from the consequence or relapse of an illness diagnosed before the cover's effective date, as well as mental illness.

Consequência ou recaída de doença diagnosticada anteriormente à data de efeito da cobertura ou de doenças mentais, tratamentos termais, reabilitação, despesas incorridas com diagnóstico ou tratamento de uma situação fisiológica (incluindo gravidez) cuja existência seja conhecida antes da data de efeito da cobertura;

[14] Winter sports cover: Conditional ↩

There is no dedicated winter sports section; amateur sports of any kind (e.g. skiing) are covered under the general Personal Accident guarantee, except bullfighting, hunting of dangerous animals, and aerial/motorized activities (hang-gliding, paragliding, parachuting, ultralight piloting), which remain excluded.

Prática ou participação da Pessoa Segura numa prova desportiva amadora que exija o uso de um meio motorizado, terrestre, aéreo ou aquático, nomeadamente: Tauromaquia, Caça de animais ferozes;

[15] Adventure sports cover: Conditional ↩

Amateur sports of any kind are covered under the general Personal Accident guarantee (Article 1), except bullfighting and hunting of dangerous animals; professional sports, and aerial/motorized activities such as ultralight piloting, gliding, hang-gliding and parachuting, are excluded.

Prática de todo o tipo de desportos como amador (Excepto Tauromaquia e Caça de animais ferozes).

[16] Pregnancy complications: Excluded ↩

Medical expenses related to maternity after the sixth month of pregnancy or after childbirth are excluded, as are glasses, contact lenses and prostheses of any kind.

Despesas médicas relacionadas com maternidade após o sexto mês de gravidez ou após o parto, despesas com óculos, lentes de contacto e próteses de qualquer espécie;

[17] Medical expenses: €300,000 ↩

Reimbursement of reasonable and customary costs of necessary medical/dental treatment (in-patient or out-patient) received abroad due to sudden illness, injury or medical condition, including epidemic or pandemic diseases such as COVID-19, up to €300,000 per person, minus applicable deductibles.

Tratamento de emergência médica: até 300.000 euros por pessoa

[18] Medical transport: Covered ↩

Local emergency transportation from the location of the incident to a local doctor or medical facility (and onward to the nearest appropriate hospital if local facilities are inadequate), reimbursed at real/actual cost, subject to prior authorization by the insurer's assistance team.

Em caso de doença ou acidente grave (incluindo uma doença epidémica ou pandémica como a COVID-19) durante a viagem, procedemos ao pagamento do transporte de urgência, desde o local do incidente inicial até um médico ou hospital local.

[19] COVID-19 treatment: €300,000 ↩

Epidemic or pandemic diseases such as COVID-19 are explicitly included within trip cancellation, interruption, delay and emergency medical/dental coverage, sharing the same €300,000 per person medical limit.

Uma epidemia ou pandemia, exceto quando e na medida em que uma epidemia ou pandemia seja expressamente referida e abrangida pela cobertura de cancelamento de viagem, cobertura de interrupção de viagem, cobertura de atraso de viagem ou cobertura médica/dentária de emergência;

[20] Personal liability: See details ↩

No personal liability coverage is mentioned in any of the KLM Assistance/Comprehensive policy documents reviewed.

[21] Emergency dental: €300 ↩

Emergency dental treatment abroad for dental infection, lost filling or broken tooth, subject to a maximum sublimit of €300 per person within the emergency medical/dental coverage.

Tratamento de urgência dentária: até 300 euros por pessoa

[22] Search & rescue: €1,500 ↩

Cost of search and rescue activities by a professional rescue team if the insured is reported missing during the trip or must be rescued from a physical emergency, up to €1,500 per person.

Assumimos o custo das atividades de procura e resgate por uma equipa de resgate profissional, até ao capital máximo indicado no Resumo de Coberturas, se for dado como desaparecido durante a sua viagem ou se precisar de ser resgatado de uma situação de perigo.

[23] Legal assistance: Covered ↩

Information-only service: the insurer can help the insured find local legal advice while traveling. No monetary benefit is attached to this service.

Podemos ajudá-lo, se necessário, a encontrar aconselhamento jurídico local durante a viagem.

[24] Emergency medical treatment: €300,000 ↩

Emergency medical treatment abroad for sudden, unexpected illness or injury that could cause serious harm if untreated before returning home, up to €300,000 per person.

Tratamento de emergência médica: até 300.000 euros por pessoa

[25] Hospitalization: €300,000 ↩

If in-patient hospital admission is required abroad, the insurer may guarantee or advance payments, sharing the same €300,000 per person emergency medical/dental limit (no separate sublimit for hospitalization).

Se precisar de ser internado num hospital, podemos garantir ou antecipar os pagamentos, quando aceites, até ao limite da cobertura de urgência médica/odontológica no estrangeiro.

[26] Outpatient treatment: €300,000 ↩

Costs of necessary outpatient treatment provided by a doctor or hospital abroad, sharing the same €300,000 per person emergency medical/dental limit.

Custos de tratamentos necessários (hospitalares ou ambulatórios) prestados por um médico ou num hospital

[27] Medical evacuation: Covered ↩

If the treating doctor confirms the insured is medically stable to travel, the insurer arranges and pays for transportation home (or to a medical facility near the primary residence) in the originally booked class of service, at real/actual cost minus refunds for unused tickets, plus a medical escort if necessary.

Em caso de doença ou acidente grave (incluindo uma doença epidémica ou pandémica como a COVID-19) durante a viagem, e a nossa equipa médica confirmar com o médico assistente que está clinicamente estável para viajar, nós: 1. Organizamos e assumimos o transporte na mesma classe de serviço da sua reserva original

[28] Repatriation of remains: Covered ↩

If death occurs during the trip, the insurer arranges and pays the reasonable and necessary services to transport the remains to a funeral home near the primary residence or in the country of residence, at real/actual cost.

Organizamos e assumimos os serviços razoáveis e necessários para transportar o corpo para um dos seguintes destinos: 1. Uma agência funerária próxima do seu domicílio; ou 2. Uma agência funerária localizada no seu país do domicílio.

[29] Pre existing conditions: Excluded ↩

The policy does not cover pre-existing medical conditions, defined as illnesses that led to consultation, diagnosis, treatment, symptoms, or prescribed medication within the 120 days prior to purchasing the policy.

An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy: 1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed). […] Your contract does not cover pre-existing medical conditions.

[30] Winter sports cover: Excluded ↩

There is no dedicated winter sports rider. Skiing or snowboarding outside marked trails or in a helicopter-accessed area is expressly excluded as an extreme/high-risk activity.

Participating in extreme, high-risk sports and activities in general and the following activities in particular: […] d. Skiing or snowboarding outside marked trails or in an area accessed by helicopter;

[31] Adventure sports cover: Excluded ↩

Extreme, high-risk sports and activities are excluded, including skydiving, BASE jumping, bungee jumping, caving/rappelling, free/sport climbing, high-altitude activity, combat sports, motorized racing, free diving, and scuba diving beyond 20 metres or without a dive master.

a. Skydiving, BASE jumping, hang gliding, or parachuting; b. Bungee jumping; c. Caving, rappelling, or spelunking; […] e. Climbing sports or free climbing; f. Any high-altitude activity; g. Personal combat or fighting sports; h. Racing or practicing to race any motorized vehicle or watercraft; i. Free diving; or j. Scuba diving at a depth greater than 20 meters or without a dive master.

[32] Pregnancy complications: See details ↩

The sources only state that normal, complication-free pregnancy or childbirth is excluded (except where expressly covered under trip cancellation/interruption); they do not affirmatively state whether complicated pregnancies are covered under emergency medical treatment.

Normal, complication-free pregnancy or childbirth, except when and to the extent that normal, complication-free pregnancy or childbirth is expressly referenced in and covered under trip cancellation coverage or trip interruption coverage;

[33] Medical expenses: Covered ↩

ARAG covers the costs arising from the use of healthcare professionals and medical facilities needed during the trip; the specific limit is set in the Particular Conditions of the policy.

A ARAG suportará os custos decorrentes do recurso a profissionais de saúde e estabelecimentos médicos necessários, caso necessite de assistência durante a sua viagem

[34] Medical transport: Covered ↩

In case of accident or illness, ARAG covers ambulance transport costs to the nearest clinic or hospital.

Em caso de acidente ou doença, a ARAG suportará os gastos de transporte em ambulância até à clínica ou hospital mais próximo

[35] COVID-19 treatment: Not available ↩

Not specified in the available sources.

[36] Personal liability: See details ↩

Not specified in the available sources.

[37] Emergency dental: Not available ↩

Not specified in the available sources.

[38] Search & rescue: Not available ↩

Not specified in the available sources.

[39] Legal assistance: See details ↩

Not specified as part of this travel policy's own benefits; ARAG's corporate statistics on legal defenses relate to its broader legal-protection business, not confirmed as a specific benefit of this product.

[40] Emergency medical treatment: Covered ↩

ARAG covers costs of medical assistance needed during the trip in case of accident or illness; limit set in the Particular Conditions.

A ARAG suportará os custos decorrentes do recurso a profissionais de saúde e estabelecimentos médicos necessários, caso necessite de assistência durante a sua viagem

[41] Hospitalization: Not available ↩

Not specified in the available sources.

[42] Outpatient treatment: See details ↩

Not specified in the available sources.

[43] Medical evacuation: Covered ↩

ARAG covers transport costs, by the most appropriate means, to the prescribed hospital center or to the insured's habitual residence.

assim como, os gastos de transporte, pelo meio de transporte mais adequado, até ao centro hospitalar prescrito ou ao seu domicílio habitual

[44] Repatriation of remains: Covered ↩

In case of death, ARAG organizes transport of the body to the funeral location in Portugal and covers the transport costs.

Em caso de morte, a ARAG organizará o transporte do corpo até ao lugar do funeral em Portugal e suportará os custos desse transporte

[45] Pre existing conditions: Not available ↩

Not specified in the available sources.

[46] Winter sports cover: See details ↩

Not specified in the available sources.

[47] Adventure sports cover: See details ↩

Not specified in the available sources.

[48] Pregnancy complications: See details ↩

Not specified in the available sources.

[49] Medical expenses: €3,500 – €30,000 ↩

Included core guarantee for medical, surgical, pharmaceutical and hospitalization expenses incurred abroad (including COVID-19). The base capital is set out in the Condições Particulares; official product pages state a range of €3,500 to €30,000 depending on the option (Classic/Gold) and additional cover chosen. The Classic IPID confirms an optional extension of this guarantee up to €30,000, subject to a €50 deductible.

Despesas médicas , cirúrgicas farmacêuticas e de hospitalização no estrangeiro (3 500€ a 30 000€ de acordo com a opção e cobertura adicional escolhidas)

[50] Medical transport: Covered ↩

Included guarantee for transport or sanitary repatriation of injured or sick insured persons. In the specific case of COVID-19 infection, this guarantee is capped at €50,000.

Transporte ou repatriamento sanitário de feridos e doentes;

[51] COVID-19 treatment: €50,000 ↩

Medical expenses due to COVID-19 infection are covered under the general medical expenses guarantee; additionally, in case of COVID-19 the sanitary transport/repatriation guarantee is specifically capped at €50,000.

Em caso de doença por infeção de Covid19, a garantia de transporte ou repatriamento sanitário está limitada ao valor de 50.0000,00€;

[52] Personal liability: See details ↩

Not addressed in the reviewed IPID or product pages.

[53] Emergency dental: See details ↩

Not addressed in the reviewed IPID or product pages.

[54] Search & rescue: See details ↩

Not addressed in the reviewed IPID or product pages.

[55] Legal assistance: See details ↩

Not addressed in the reviewed IPID or product pages.

[56] Emergency medical treatment: €30,000 ↩

Emergency medical treatment abroad is covered under the base medical expenses guarantee, extendable to €30,000 via the optional cover, subject to a €50 deductible.

Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro, até ao valor de 30.000,00€;

[57] Hospitalization: €30,000 ↩

Hospitalization expenses abroad are bundled within the medical/surgical/pharmaceutical guarantee, extendable to €30,000 via the optional cover, subject to a €50 deductible.

Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro, até ao valor de 30.000,00€;

[58] Outpatient treatment: €30,000 ↩

Outpatient treatment is covered under the same medical expenses guarantee as hospitalization, extendable to €30,000 via the optional cover, subject to a €50 deductible.

Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro, até ao valor de 30.000,00€;

[59] Medical evacuation: Covered ↩

Medical evacuation is covered under the same guarantee as sanitary transport/repatriation; capped at €50,000 in the specific case of COVID-19.

Em caso de doença por infeção de Covid19, a garantia de transporte ou repatriamento sanitário está limitada ao valor de 50.0000,00€;

[60] Repatriation of remains: Covered ↩

Included guarantee covering transport or repatriation of the deceased insured person and an accompanying family member; no specific monetary limit stated in the IPID.

Transporte ou repatriamento da Pessoa Segura falecida e seu familiar;

[61] Pre existing conditions: Excluded ↩

Injuries or illnesses already existing before the start of the trip are explicitly excluded from cover.

Lesões ou doenças já existentes antes do início da viagem;

[62] Winter sports cover: Excluded ↩

Accidents resulting from winter sports such as skiing and snowboarding are explicitly excluded.

desportos de Inverno - tais como Ski e Snowboard – e, quaisquer desportos que envolvam veículos motorizados

[63] Adventure sports cover: Excluded ↩

Accidents resulting from professional or federated amateur sports practice and training, as well as other 'special'/'extreme' sports, are explicitly excluded.

Acidentes resultantes da prática desportiva profissional ou amadora federada e respetivos treinos bem como da prática de outros desportos "especiais"/"radicais"

[64] Pregnancy complications: Conditional ↩

Childbirth and complications due to pregnancy are excluded, unless unforeseeable and occurring during the first six months of pregnancy.

Partos e complicações devidas ao estado de gravidez, salvo se imprevisíveis e ocorridos durante os primeiros seis meses;

[65] Medical expenses: €10,000 ↩

Covers medical, surgical, pharmaceutical and hospitalization expenses abroad up to €10,000; surgery is only covered if urgent and unable to wait for the insured's return to Portugal, subject to a €50 deductible per claim.

Se em consequência de acidente ou doença ocorrido durante o período de validade da Apólice e a Pessoa Segura necessitar de assistência médica, cirúrgica, farmacêutica ou hospitalar, no estrangeiro ou nas ilhas, a Seguradora suportará, até ao limite estipulado no quadro anexo, ou reembolsará mediante acordo prévio e justificativos.

[66] Medical transport: Unlimited ↩

Unlimited coverage for ambulance transport to the nearest clinic/hospital and for medically supervised transfer to a more appropriate hospital or back home, if the insured's clinical condition justifies it.

a) Do custo do transporte em ambulância até à clínica ou hospital mais próximo;

[67] COVID-19 treatment: Excluded ↩

Damages resulting from epidemics or pandemics declared by the competent authorities are excluded from all coverages.

Danos decorrentes de Epidemia ou Pandemia declaradas pelas autoridades competentes;

[68] Personal liability: €25,000 – €50,000 ↩

Covers the insured's non-contractual civil liability for non-intentional acts or omissions causing damage to third parties during the trip. Limit is €25,000 on the Base and Média plans, and €50,000 on the Top and Vip plans.

Através desta cobertura é garantida, até ao limite do capital convencionado nas Condições Particulares, nos termos do Quadro Anexo, a responsabilidade civil extracontratual da Pessoa Segura por atos ou omissões não dolosas suscetíveis de causar danos a terceiros, no decurso da viagem e dentro do período de vigência da apólice.

[69] Emergency dental: Excluded ↩

Dental expenses (odontologia) are explicitly excluded from the travel assistance coverage.

Despesas com próteses, óculos e lentes de contacto, bem como, despesas de odontologia;

[70] Search & rescue: See details ↩

Not found in the reviewed policy documents.

[71] Legal assistance: See details ↩

Not found as a distinct guarantee with a stated limit in the reviewed IPID and General/Special Terms and Conditions.

[72] Emergency medical treatment: €10,000 ↩

Shares the €10,000 medical expenses cap; urgent surgical intervention abroad is covered only when it cannot wait until the insured's return to Portugal.

Em caso de intervenção cirúrgica apenas será da responsabilidade da Seguradora se a mesma revestir carácter de urgência e inadiável, não podendo aguardar pelo regresso da Pessoa Segura a Portugal.

[73] Hospitalization: €10,000 ↩

Hospitalization costs abroad are covered within the shared €10,000 medical expenses limit. A separate daily hospitalization indemnity of €30–€100 (varying by plan tier) is also payable for up to 365 days (see product_specific_constraints).

a.3) Os gastos de hospitalização;

[74] Outpatient treatment: €10,000 ↩

Medical/surgical fees and doctor-prescribed pharmaceutical expenses abroad are covered within the shared €10,000 medical expenses cap.

a. 1) As despesas e honorários médicos e cirúrgicos; a.2) Os gastos farmacêuticos prescritos por médico;

[75] Medical evacuation: Unlimited ↩

Unlimited coverage for the sanitary repatriation of the insured person when illness or injury abroad requires transfer, decided by the insurer's medical team.

Os meios de transporte a utilizar serão decididos pela equipa médica da Seguradora.

[76] Repatriation of remains: Unlimited ↩

Unlimited coverage for all formalities at the place of death and for transport/repatriation of the body to the burial location in Portugal.

A Seguradora suportará as despesas com todas as formalidades a efetuar no local do falecimento da Pessoa Segura bem como as relativas ao seu transporte ou repatriamento até ao local do enterro em Portugal.

[77] Pre existing conditions: Excluded ↩

Pre-existing incapacity, injury or disease and any consequences or aggravations are excluded; lesions/illnesses already existing before the start of the trip are also excluded from travel assistance.

Incapacidade, lesão ou doença preexistentes e eventuais seus agravamentos decorrentes do acidente garantido pela presente apólice;

[78] Winter sports cover: Excluded ↩

Accidents resulting from the practice of winter sports (e.g. ski, snowboard) are excluded, unless otherwise agreed in the Particular Conditions; no source confirms this buy-back is actually offered.

Salvo convenção em contrário nas Condições Particulares, o presente contrato também não garante os acidentes decorrentes de: a) Prática de desportos de inverno.

[79] Adventure sports cover: Excluded ↩

Accidents from mountaineering, martial arts, boxing, motor sports, parachuting, paragliding, bungee jumping, diving with breathing apparatus, and similar high-risk activities are excluded, unless otherwise agreed in the Particular Conditions.

Prática de alpinismo, artes marciais, boxe, caça submarina, desportos praticados sobre a neve e o gelo, motonáutica, motocross e outros desportos motorizados, paraquedismo, parapente, asa delta, ultra-leves, tauromaquia, BASE jumping, bungee jumping, canoeing, escalada, espeleologia, montanhismo, rafting, slide, rappel, rugby, kite surf, esqui náutico ou outros desportos náuticos praticados sobre prancha, mergulho com utilização de sistemas auxiliares de respiração, caça submarina, caça de animais ferozes ou que reconhecidamente sejam considerados perigosos e outros desportos e atividades análogos na sua perigosidade;

[80] Pregnancy complications: Conditional ↩

Childbirth and complications due to pregnancy are excluded, except when unforeseeable and occurring during the first six months of pregnancy.

Partos e complicações devidas ao estado de gravidez, salvo se imprevisíveis e ocorridos durante os primeiros seis meses;

[81] Medical expenses: €250,000 ↩

Covers reasonable, medically necessary costs incurred outside Portugal for hospital treatment, ambulance transport, or other diagnosis/corrective treatment prescribed by a doctor, up to €250,000 per insured person, subject to a €50 deductible per section.

[82] Medical transport: €250,000 ↩

Ambulance/medical transport necessary for treatment is covered within the combined €250,000 Medical Expenses & Emergency Repatriation limit; no separate sub-limit applies.

[83] COVID-19 treatment: See details ↩

No specific COVID-19 or communicable disease benefit is mentioned in this policy wording; standard medical expenses cover would apply to sudden illness generally, subject to exclusions.

[84] Personal liability: €1,000,000 ↩

Covers amounts the insured is legally liable to pay as compensation for accidental bodily injury or property damage to third parties during the trip, up to €1,000,000, subject to a €50 deductible and standard exclusions (own property, vehicles, aircraft, watercraft, firearms, family members, employees).

[85] Emergency dental: €250 ↩

Covers medically necessary and reasonable emergency dental treatment costs abroad, solely for pain relief, up to €250.

[86] Search & rescue: See details ↩

No dedicated search and rescue benefit is stated in the policy wording reviewed.

[87] Legal assistance: €10,000 ↩

Covers legal costs and expenses of pursuing a claim for compensation against a third party who accidentally caused bodily injury or illness to the insured during the trip, up to €10,000, with no deductible.

[88] Emergency medical treatment: €250,000 ↩

Emergency medical treatment abroad is covered under the combined Medical Expenses & Emergency Repatriation limit of €250,000 (Secção 2.A.i-ii of the policy).

[89] Hospitalization: €750 ↩

A daily cash indemnity of €15 for each complete 24-hour period as an inpatient abroad, up to a maximum of €750, paid in addition to the Medical Expenses benefit. No deductible applies to this section.

[90] Outpatient treatment: €250,000 ↩

Outpatient/ambulatory diagnosis and corrective treatment abroad is included within the overall Medical Expenses limit of €250,000; there is no separate sub-limit for outpatient care.

[91] Medical evacuation: €250,000 ↩

Covers reasonable, medically necessary costs for repatriation to Portugal (home or to a more suitable hospital) organized by Chubb Assistance, within the combined €250,000 Medical Expenses & Emergency Repatriation limit.

[92] Repatriation of remains: €5,000 ↩

If the insured person dies abroad, covers cremation/funeral charges in the country of death or transport charges to repatriate the body or ashes to Portugal, up to €5,000.

[93] Pre existing conditions: Excluded ↩

The policy explicitly does not cover any pre-existing illness and/or medical condition diagnosed, treated, or requiring hospital/outpatient care at any time before the trip was booked (or start of the policy period, if later).

[94] Winter sports cover: Excluded ↩

Trips where winter sports are the main purpose of travel are excluded from the policy, and defined 'Desportos de Inverno' activities (skiing, snowboarding, bobsleigh, etc.) do not appear on the closed list of covered leisure activities.

[95] Adventure sports cover: Covered ↩

The insured is automatically covered while participating recreationally in any activity on the policy's closed list (e.g. scuba diving up to 18m with a qualified instructor, paragliding, karting with a helmet, motorcycling up to 125cc with a full licence), subject to using safety equipment and not competing professionally. Any activity not on the list is not covered.

[96] Pregnancy complications: €250,000 ↩

Pregnancy complications diagnosed as an emergency by an obstetrician are covered within the €250,000 Medical Expenses limit, but if travelling between weeks 24-28 of pregnancy the insured must obtain written medical confirmation of fitness to travel issued no more than 5 days before departure abroad; any complication already known before the trip started is excluded.

[97] Medical expenses: €3,500 ↩

Covers medical and surgical fees, medicines prescribed by a doctor, and hospitalization expenses incurred abroad, subject to a €50 deductible.

Pagamento de despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no Estrangeiro....................................................................................... € 3.500 • Franquia ........................................................................................................................ € 50

[98] Medical transport: Unlimited ↩

Transport by ambulance or other appropriate means from the place of occurrence to the nearest clinic or hospital is covered with no stated monetary limit.

a) As despesas de transporte em ambulância, ou outro meio considerado adequado, desde o local da ocorrência até à clínica ou hospital mais próximo;

[99] COVID-19 treatment: Excluded ↩

Epidemics, pandemics and infectious diseases posing a public health risk are explicitly excluded from cover, in line with WHO guidance.

As epidemias, pandemias e situações de doença infectocontagiosa com perigo para a saúde pública, no respeito de orientações emanadas da OMS;

[100] Personal liability: See details ↩

Not included among the guarantees of this product (assistance, baggage and personal accident cover only).

[101] Emergency dental: Conditional ↩

Dental/stomatology care is generally excluded, except for provisional treatment of oral trauma following an accident, which is covered under the general medical expenses limit.

Assistência médica do foro da estomatologia, salvo tratamento provisório de traumatologia oral;

[102] Search & rescue: Excluded ↩

Search and rescue operations are explicitly excluded from cover.

Operações de salvamento;

[103] Legal assistance: See details ↩

Not included among the guarantees of this product.

[104] Emergency medical treatment: €3,500 ↩

Emergency medical and surgical treatment abroad is covered under the same €3,500 aggregate limit as the general medical expenses guarantee, subject to a €50 deductible.

Pagamento de despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no Estrangeiro....................................................................................... € 3.500 • Franquia ........................................................................................................................ € 50

[105] Hospitalization: €3,500 ↩

Hospitalization expenses abroad are explicitly included within the same €3,500 aggregate limit as medical, surgical and pharmaceutical expenses, subject to a €50 deductible.

Pagamento de despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no Estrangeiro....................................................................................... € 3.500 • Franquia ........................................................................................................................ € 50

[106] Outpatient treatment: See details ↩

Not separately itemized or quantified in the available policy text.

[107] Medical evacuation: Unlimited ↩

Repatriation or sanitary transport of injured or ill insured persons, and medical supervision until transfer, is covered with no stated monetary limit, subject to the Insurer's medical team assessment.

Repatriamento ou Transporte sanitário de feridos ou doentes e vigilância médica em caso de Acidente ou Doença Valor máximo indemnizável: Ilimitado

[108] Repatriation of remains: Unlimited ↩

In the event of the insured person's death from accident or illness, the Insurer covers formalities and repatriation or transport of the body to the place of burial at the insured's domicile, with no stated monetary limit.

Em caso de falecimento da Pessoa Segura, por Acidente ou Doença, o Serviço de Assistência garante até aos Limites de Capital fixados na Apólice as formalidades a efetuar no local, incluindo as do repatriamento ou transporte do corpo até ao local de enterro no seu Domicílio.

[109] Pre existing conditions: Excluded ↩

Chronic or pre-existing illnesses, and claims originating from causes already existing before the policy began, are excluded from cover.

Doença crónica ou pré-existente;

[110] Winter sports cover: Excluded ↩

Claims occurring during or as a result of high-risk activities such as snow skiing are excluded from cover.

Sinistros ocorridos durante ou em consequência da prática de desporto profissional e de atividades de alto risco, tais como ski de neve, motonáutica, paraquedismo, alpinismo, montanhismo, artes marciais, espeleologia e mergulho;

[111] Adventure sports cover: Excluded ↩

Claims occurring during or as a result of professional sport, motorized sports, competitions, or high-risk activities such as mountaineering, potholing or diving are excluded from cover.

Sinistros ocorridos durante ou em consequência da prática de desportos motorizados e da prática de competição em geral, quer na competição em si, quer em treinos, apostas e desafios;

[112] Pregnancy complications: Conditional ↩

Medical assistance related to pregnancy and childbirth is excluded, except for care required during the first trimester following unforeseeable pregnancy complications.

Assistência médica ligada à gravidez e ao parto, salvo a requerida durante o 1º trimestre na sequência de complicações imprevisíveis da gravidez;

[113] Medical expenses: €25,000 – €50,000 ↩

Combined guarantee covering medical, surgical, hospitalization and pharmaceutical expenses when medically prescribed following an accident or sudden illness occurring abroad during the trip. Base capital is 25,000€ (Viagem 2, Snow, Business and Erasmus), subject to a 50€ deductible; if the 'Duplicação de Capitais' option is contracted, this capital doubles to 50,000€. Only available for trips abroad; the reduced table for trips exclusively within Portugal does not include this benefit.

Se a Pessoa Segura for vítima de Acidente ou Doença Súbita ocorrida no decurso da viagem, o Segurador garante o pagamento de despesas médicas e cirúrgicas, de hospitalização e farmacêuticas, quando prescritas medicamente.

[114] Medical transport: Unlimited ↩

Following an accident or sudden illness, the insurer arranges and pays, without a stated capital limit, ambulance or other adequate transport from the location of the event to the nearest clinic or hospital.

Após acidente ou doença súbita da Pessoa Segura, o Segurador tomará a seu cargo o transporte em ambulância ou outro meio adequado, desde o local da ocorrência até à clínica ou hospital mais próximo.

[115] COVID-19 treatment: Conditional ↩

Claims arising directly or indirectly from infectious/contagious diseases (which would include COVID-19) are only covered if they occur outside the insured's country of residence, sharing the general medical expenses ceiling. Assistance services during a declared epidemic or pandemic are additionally limited to what is established/permitted by the competent local authorities.

Os sinistros que direta ou indiretamente decorram de doenças infetocontagiosas só estarão cobertos caso ocorram fora do país de residência da Pessoa Segura

[116] Personal liability: €100,000 – €200,000 ↩

Optional 'Pack 1' benefit paying indemnities for bodily injury and/or material damage caused to third parties within the insured's private life during the trip. Base capital is 100,000€ per claim and per year, doubling to 200,000€ with the 'Duplicação de Capitais' option. Excludes damage from vehicles driven/owned by the insured and risks subject to compulsory insurance under Portuguese law.

Esta cobertura garante o pagamento de indemnizações por danos corporais e/ou materiais causados a terceiros no âmbito da vida privada da Pessoa Segura e no decurso da viagem;

[117] Emergency dental: €750 – €2,000 ↩

Covers emergency dental treatment necessary due to an accident or acute clinical situation. Base capital is 750€ for Viagem 2, Viagem 2 Snow and Viagem 2 Business, and 1,000€ for Viagem 2 Erasmus, each subject to a 50€ deductible; with the 'Duplicação de Capitais' option these become 1,500€ and 2,000€ respectively.

O Segurador pagará as despesas necessárias ao tratamento odontológico de emergência, necessário em caso de acidente ou situação clínica aguda, abrangendo os tratamentos que devam ser realizados com caráter de urgência.

[118] Search & rescue: Unlimited ↩

Optional benefit under the 'Pack Contexto Snow' of the Viagem 2 Snow plan: if the insured suffers an accident while amateur skiing (off-piste jumps excluded, on marked pistes) or snowboarding, the insurer covers search and rescue costs, including transport by an adequate means to the nearest hospital, with no stated capital limit.

Em caso de acidente sofrido pela Pessoa Segura na sequência da prática de Ski na neve (sem salto e em pista balizada) e Snowboard, enquanto amador, o Segurador suportará os encargos de busca e de salvamento da Pessoa Segura, incluindo os de transporte, pelo meio adequado, até ao centro hospitalar mais próximo.

[119] Legal assistance: €2,000 ↩

Optional benefit available only under the Viagem 2 Erasmus 'Pack Contexto Erasmus', managed by Fidelidade Assistência. Comprises several separately capped sub-benefits: legal advice (2 claims), criminal defense (2,000€), damage claims (2,000€), defense/claim of rights (2,000€), advance of criminal bail (2,000€), forensic medical assessment (500€) and accompaniment for statements (500€). There is no single combined capital across all sub-benefits.

Dentro dos limites fixados nas Condições Particulares ou Certificados de Adesão da Apólice e no Quadro de Coberturas que faz parte integrante das Condições Gerais, o Segurador garante, através da Empresa Gestora, o seguinte:

[120] Emergency medical treatment: €25,000 – €50,000 ↩

The guarantee expressly covers urgent and immediate medical/surgical treatment following an accident or sudden illness abroad; it ceases once urgent treatment is no longer necessary or once the insurer's medical team agrees the insured can be transferred home. This shares the same 25,000€/50,000€ (doubled) ceiling as the general medical expenses guarantee — it is not an additional, separate capital.

A cobertura cessará quando o tratamento médico, urgente e imediato já não se mostrar necessário ou caso a equipa médica do Segurador, em colaboração com o médico responsável pelo tratamento, concordarem que a Pessoa Segura está clinicamente apta a ser transferida para o seu país de residência permanente.

[121] Hospitalization: €25,000 – €50,000 ↩

Hospitalization expenses are explicitly named within the combined 'Despesas Médicas, Farmacêuticas e de Hospitalização no Estrangeiro' guarantee and share its 25,000€/50,000€ (doubled) ceiling, not an additive amount. A separate optional daily hospital-admission cash indemnity also exists (see product-specific constraints).

Se a Pessoa Segura for vítima de Acidente ou Doença Súbita ocorrida no decurso da viagem, o Segurador garante o pagamento de despesas médicas e cirúrgicas, de hospitalização e farmacêuticas, quando prescritas medicamente.

[122] Outpatient treatment: See details ↩

Not itemized as a separate benefit in any of the sources; outpatient care would fall generically under the combined medical expenses guarantee, but no distinct sublimit or wording for outpatient treatment specifically was found.

[123] Medical evacuation: Unlimited ↩

The insurer pays transport costs by an adequate means (sanitary aircraft if urgency/severity require it, otherwise scheduled commercial flight or other adequate means) to the hospital centre prescribed by its medical team or to the insured's habitual residence, following prior medical control. The choice of transport means rests exclusively with the insurer's medical team.

Caberá exclusivamente à equipa médica do Segurador a escolha do meio de transporte a utilizar;

[124] Repatriation of remains: Unlimited ↩

In case of death of the insured during the trip, the insurer pays local formality costs and the cost of transporting the body to the place of burial, and, if applicable, the return transport of accompanying insured persons. Not applicable when the trip has origin and destination exclusively within continental Portugal.

Em caso de morte da Pessoa Segura durante a viagem, o Segurador garante o pagamento do custo das formalidades no local e das despesas de transporte do corpo até ao local do enterro;

[125] Pre existing conditions: Excluded ↩

Expenses related to chronic or pre-existing disease, and any aggravation of a pre-existing incapacity, injury or disease, are always excluded from every cover of the policy, except where there is an acute manifestation of the pre-existing lesion or disease.

A incapacidade, lesão ou doença preexistente e eventuais seus agravamentos decorrentes do acidente garantido pela presente apólice, seja relativo à Pessoa Segura, seja em relação a familiares, exceto se se tratar de manifestação aguda de lesão ou de doença preexistente;

[126] Winter sports cover: Optional ↩

Practising sports on snow and ice is excluded from all covers of the policy except under the Viagem 2 Snow special condition (where it is always guaranteed) or, if expressly contracted as an extension, under the Viagem 2 Erasmus special condition. Where active, it shares the general medical expenses ceiling rather than having its own separate capital.

A prática de desportos sobre a neve e o gelo encontra-se excluída de todas as coberturas do seguro, exceto na Condição Especial "Viagem 2 Snow" e se expressamente contratada e como tal indicada nas Condições Particulares ou Certificados de Adesão na Condição Especial "Viagem 2 Erasmus".

[127] Adventure sports cover: Optional ↩

'Desportos de Aventura' (amateur competitive sport, motorized land/water sports, kitesurf, scuba diving, spearfishing, mountaineering/climbing/rappelling and speleology) are excluded from all covers unless expressly contracted as a joint extension; where contracted, they share the general medical expenses ceiling.

Os Desportos de Aventura, apenas sendo possível contratar conjuntamente as seguintes alíneas:

[128] Pregnancy complications: Conditional ↩

Complications arising from pregnancy are excluded once the claim occurs after the 7th month of gestation (4th month for twin pregnancies or pregnancies resulting from fertility treatment), and only where the insured already knew of the pregnancy when the policy was taken out; up to those thresholds, complications are covered under the general medical expenses ceiling.

Situações resultantes de complicações devidas a estado de gravidez da Pessoa Segura, quando o sinistro ocorra a partir do 7º mês de gestação ou, para casos de gestação gemelar ou gravidez resultante de tratamento de fertilidade, quando o sinistro ocorra a partir do 4º mês de gestação

[129] Medical expenses: Covered ↩

Covers medical, surgical, pharmaceutical and hospitalization expenses incurred during the trip due to sudden illness or accident; the exact limit is fixed in the policy's Special Conditions, not disclosed in the general documentation.

[130] Medical transport: Covered ↩

The General Conditions include a dedicated guarantee for 'Repatriation or Medical Transport of the Injured or Sick and Medical Supervision', arranged by the Insurer/Assistance Service when clinically justified; limit fixed in Special Conditions.

[131] COVID-19 treatment: Conditional ↩

Epidemics and pandemics are generally excluded, except COVID-19 in temporary (trip-based) policies, which covers related medical expenses and trip cancellation.

[132] Personal liability: Covered ↩

Covers extracontractual civil liability of the insured and family members for bodily injury and/or material damage caused to third parties during the trip; exact limit fixed in Special Conditions.

[133] Emergency dental: See details ↩

Not found in the available official documentation for this product.

[134] Search & rescue: See details ↩

Not found in the available official documentation for this product.

[135] Legal assistance: Covered ↩

Legal protection for the insured while travelling abroad is listed as an included covered risk in the product's IPID.

[136] Emergency medical treatment: Covered ↩

Emergency medical treatment abroad due to sudden illness or accident is covered under the Assistance to Persons guarantee; limit fixed in Special Conditions.

[137] Hospitalization: Covered ↩

Hospitalization expenses arising during the trip due to sudden illness or accident are included in the core medical expenses guarantee; exact limit fixed in Special Conditions.

[138] Outpatient treatment: See details ↩

Not separately itemized in the available documentation; may be part of the general medical expenses guarantee.

[139] Medical evacuation: Covered ↩

Covered under the same 'Repatriation or Medical Transport of the Injured or Sick and Medical Supervision' guarantee in the General Conditions when the insured's clinical condition justifies evacuation; limit fixed in Special Conditions.

[140] Repatriation of remains: Not available ↩

Not explicitly found in the available documentation; the General Conditions only reference repatriation of injured or sick persons.

[141] Pre existing conditions: Not available ↩

Not addressed in the available documentation.

[142] Winter sports cover: Optional ↩

Winter sports practice is excluded from standard coverage unless it has been specifically contracted and the extra premium paid.

[143] Adventure sports cover: Excluded ↩

Professional sports practice and amateur sports competitions integrated into championships, as well as their respective training, are excluded.

[144] Pregnancy complications: Excluded ↩

Accidents and diseases due to pregnancy or childbirth are excluded from coverage.

[145] Medical expenses: €1,250 – €5,000 ↩

Reimbursement of treatment expenses following an accident during the trip. Available in the Viagem Jovem plan (€1,250–€5,000), Viagem Mais plan (€1,250–€5,000) and Viagem Executivo plan (€1,250–€5,000); not available in Viagem Base or Viagem Económica.

Despesas de tratamento € 1 250,00 € 2 500,00 € 3 750,00 € 5 000,00

[146] Medical transport: See details ↩

Not itemised with a specific capital; general 'Assistência em Viagem' (Travel Assistance) is governed by a separate Special Condition without a stated capital.

Assistência em viagem Conforme Condição Especial

[147] COVID-19 treatment: See details ↩

Not addressed as a distinct benefit in the reviewed sources.

[148] Personal liability: €25,000 – €75,000 ↩

Civil liability cover of €25,000 to €75,000, available only under the Viagem Executivo plan.

Responsabilidade civil € 25 000,00 € 25 000,00 € 25 000,00 € 50 000,00 € 50 000,00 € 50 000,00 € 75 000,00 € 75 000,00 € 75 000,00

[149] Emergency dental: See details ↩

Not addressed as a distinct benefit in the reviewed sources.

[150] Search & rescue: See details ↩

Not addressed as a distinct benefit in the reviewed sources.

[151] Legal assistance: See details ↩

Not addressed as a distinct benefit in the reviewed sources for this product.

[152] Emergency medical treatment: See details ↩

No separate emergency medical treatment benefit distinct from 'Despesas de tratamento' (treatment expenses) is described in the sources.

[153] Hospitalization: €25 – €50 ↩

Daily cash benefit of €25 or €50 per day of hospital confinement following an accident, available only under the Viagem Executivo plan (per day, not a total cap).

Internamento hospitalar € 25,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia

[154] Outpatient treatment: See details ↩

Not addressed as a distinct benefit in the reviewed sources.

[155] Medical evacuation: See details ↩

Not itemised with a specific capital in the sources; potentially covered under the general 'Assistência em Viagem' Special Condition.

[156] Repatriation of remains: €2,500 – €5,000 ↩

Funeral expenses capital of €2,500 or €5,000, available under the Viagem Jovem plan and the Viagem Executivo plan; not available under Viagem Base, Viagem Económica or Viagem Mais.

Despesas de funeral € 2 500,00 € 5 000,00 € 5 000,00 € 5 000,00

[157] Pre existing conditions: See details ↩

Not explicitly addressed regarding pre-existing conditions in the reviewed sources.

[158] Winter sports cover: See details ↩

Not specifically addressed; the general amateur-sport exclusion (which is waivable by express agreement) may apply.

[159] Adventure sports cover: Optional ↩

Accidents resulting from amateur sports practice are excluded by default (a 'relative exclusion'), but this exclusion can be waived by express agreement with the insurer.

resultantes de prática desportiva, como amador;

[160] Pregnancy complications: Excluded ↩

Consequences of pregnancy or childbirth are explicitly excluded from cover under the general exclusions.

e consequências devidos a gravidez ou parto;

[161] Medical expenses: Covered ↩

Guarantees reimbursement of expenses necessary for the treatment of injuries suffered by the insured person; the exact capital is set per policy in the Condições Particulares chosen at subscription.

Garante o reembolso, das despesas necessárias para o tratamento das lesões sofridas pela Pessoa Segura.

[162] Medical transport: Covered ↩

The travel assistance service includes transport among its guarantees, alongside medical information, medical control, contribution to accommodation expenses, and dispatch of urgent medicines abroad.

Serviço de assistência em viagem, que contempla garantias como: Informação médica, controlo médico, comparticipação nas despesas de estadia, envio de medicamentos de urgência para o estrangeiro, comparticipação ou pagamento das despesas médicas, cirúrgicas, farmacêuticas e de hospitalização e transporte, entre outros.

[163] COVID-19 treatment: See details ↩

Not found as a distinct guarantee in the available source.

[164] Personal liability: Covered ↩

Guarantees, during the trip, the legally required indemnities owed by the insured person for damage caused to third parties, but limited to facts occurring within the scope of their private life; the exact capital is set in the Condições Particulares.

Garante, durante a viagem, as indemnizações que legalmente sejam exigíveis à pessoa segura, em consequência de danos patrimoniais e não patrimoniais direta e exclusivamente decorrentes de lesões corporais e materiais causadas a terceiros, por factos ocorridos no âmbito da sua vida privada.

[165] Emergency dental: See details ↩

Not found as a distinct guarantee in the available source.

[166] Search & rescue: See details ↩

Not found as a distinct guarantee in the available source.

[167] Legal assistance: See details ↩

Not found as a distinct guarantee for this travel product in the available source.

[168] Emergency medical treatment: See details ↩

Not separately itemized from the general Treatment Expenses guarantee in the available source.

[169] Hospitalization: Covered ↩

In case of hospitalization, guarantees payment of the daily benefit fixed in the Condições Particulares while the hospital or clinic stay lasts, for a maximum period of 360 days from the date of admission.

Garante, em caso de Internamento Hospitalar, o pagamento do subsídio diário fixado nas Condições Particulares enquanto subsistir o internamento em hospital ou clínica e por um período não superior a 360 dias, a contar da data do internamento da Pessoa Segura.

[170] Outpatient treatment: See details ↩

Not found as a distinct guarantee in the available source.

[171] Medical evacuation: See details ↩

Not found as a distinct guarantee in the available source.

[172] Repatriation of remains: See details ↩

Not found as a distinct guarantee in the available source.

[173] Pre existing conditions: See details ↩

Not found as a documented guarantee/exclusion for this specific product in the available source.

[174] Winter sports cover: See details ↩

Not found as a distinct guarantee in the available source.

[175] Adventure sports cover: See details ↩

Not found as a distinct guarantee in the available source.

[176] Pregnancy complications: See details ↩

Not found as a distinct guarantee in the available source.

[177] Medical expenses: €17,500 – €37,500 ↩

Covers hospitalization, surgery, doctor's fees, nursing care and prescribed medication while the insured person is abroad; limit is €17,500 under the Standard tier and €37,500 under the Plus tier, subject to a policy excess stated in the Particular Conditions.

Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€

[178] Medical transport: Unlimited ↩

Medical transport of the insured person to the nearest adequate hospital/clinic by ambulance or other appropriate means is unlimited under both tiers.

Transporte ou repatriamento sanitário em caso de doença ou acidente Ilimitado Ilimitado

[179] COVID-19 treatment: Excluded ↩

Illnesses arising from an epidemic or pandemic officially declared by competent local, national or international authorities (including the WHO) are excluded from this cover.

Os causados ou derivados de qualquer doença endémica, doença infeciosa que apareça repentinamente e se propague rapidamente, epidemia ou pandemia que tenha sido declarada por parte das autoridades competentes

[180] Personal liability: Optional ↩

Personal (non-professional) civil liability for bodily injury or property damage caused to third parties during the trip is available as an optional complementary cover; its capital is set out in the Particular Conditions and is not listed in the Standard/Plus benefits table.

Esta cobertura garante, até ao limite estabelecido nas Condições Particulares, as indemnizações que, nos termos da lei, sejam exigidas à pessoa segura com fundamento em responsabilidade civil extracontratual

[181] Emergency dental: €150 ↩

Emergency dental treatment costs are covered up to €150, the same limit under both the Standard and Plus tiers.

Sublimite Gastos odontológicos 150€ 150€

[182] Search & rescue: Excluded ↩

Search-and-rescue operations in the desert, on mountain summits/peaks or at sea are expressly excluded from this cover.

Operações de busca e resgate no deserto, cumes, montanhas e mar.

[183] Legal assistance: Optional ↩

Legal defence costs abroad related to a covered civil liability claim are provided when the optional Civil Liability cover has been contracted; no separate capital is stated for this benefit in the Standard/Plus limits table.

A MAPFRE pode intervir em qualquer processo judicial ou administrativo em que se discuta a obrigação de indemnizar cujo risco seja objeto desta cobertura, suportando os custos daí decorrentes.

[184] Emergency medical treatment: €17,500 – €37,500 ↩

Emergency medical treatment abroad (consultations, urgent procedures) is covered under the same limit as medical assistance expenses: €17,500 (Standard) / €37,500 (Plus).

Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€

[185] Hospitalization: €17,500 – €37,500 ↩

Hospitalization costs abroad are included within the overall medical assistance limit of €17,500 (Standard) / €37,500 (Plus).

Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€

[186] Outpatient treatment: €17,500 – €37,500 ↩

Outpatient medical care abroad is covered within the same €17,500 (Standard) / €37,500 (Plus) medical assistance limit.

Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€

[187] Medical evacuation: Unlimited ↩

Medical repatriation/evacuation by sanitary aircraft or other adequate means is unlimited in both tiers; however, when repatriation by air ambulance is carried out to or from a country outside Europe, the cost is capped at €100,000.

Quando o repatriamento por avião sanitário for realizado desde ou para um país fora da Europa, o custo do mesmo ficará sujeito a um limite máximo de 100.000 EUR (cem mil euros).

[188] Repatriation of remains: Unlimited ↩

Repatriation of the deceased insured person's remains from abroad to Portugal, including funeral formalities, is unlimited in both tiers.

Repatriamento da pessoa segura falecida Ilimitado Ilimitado

[189] Pre existing conditions: €1,750 – €3,750 ↩

Pre-existing conditions are generally excluded, except for an acute manifestation constituting a life-threatening emergency (urgência vital), which is covered only until the patient is stabilised, up to a sublimit of €1,750 (Standard) / €3,750 (Plus), limited to one claim per policy/trip.

Sublimite Pré-existências 1750€ 3 750€

[190] Winter sports cover: Optional ↩

Winter sports are excluded by default but can be covered as an optional extension against payment of an additional premium, as stated in the Particular Conditions.

Exceto quando expressamente contratadas as respetivas coberturas nas Condições Particulares, a presente Condição Especial não garante: ... Desportos praticados sobre a neve ou gelo

[191] Adventure sports cover: Optional ↩

High-risk sports and adventure activities (e.g. climbing, paragliding, scuba diving, motor sports) are excluded unless expressly contracted as an optional extension with an additional premium.

Alpinismo ou escalada; ... Paraquedismo, queda livre, parapente ... Mergulho com utilização de sistemas auxiliares de respiração (garrafas)

[192] Pregnancy complications: €5,000 ↩

Medical assistance to a newborn not included as an insured person, resulting from unforeseeable complications of the insured mother's pregnancy during the trip, is covered up to €5,000, deducted from the mother's contracted capital; normal/uncomplicated deliveries, deliveries after the 31st week of pregnancy, and deliveries abroad after the 36th week are excluded.

A assistência médica a recém-nascidos durante a viagem, resultante de complicações imprevisíveis na gravidez da pessoa segura e que não tenham sido incluídos como pessoas seguras na apólice, estará coberta até ao limite de 5.000,00 EUR

[193] Medical expenses: Not established from the insurer's documents ↩

Reimbursement of actual medical costs up to an annual ceiling of €300,000, covering surgery and hospitalization, consultations, pharmacy, lab analyses, radiography, and paramedical acts.

MEDICAL COSTS (1) Maximum 300,000 € / person year (2)

[194] Medical transport: Not established from the insurer's documents ↩

Medical or sanitary transport/repatriation is included with no stated cap; must be organized and pre-approved by the insurer's assistance platform.

Repatriation or medical transport If you are ill or injured following a covered event and your state of health requires a transfer, we organize and pay for repatriation

[195] COVID-19 treatment: Not established from the insurer's documents ↩

Not addressed as a distinct benefit in the reviewed documents.

[196] Personal liability: Not established from the insurer's documents ↩

Personal liability for private life or training internships is covered: bodily injury capped at €4,500,000, material and immaterial damages capped at €450,000, and objects entrusted during internships capped at €11,500. A deductible of €100 per claim applies.

Personal injury € 4 500 000 Damage to property and consequential losses therefrom € 450 000 Objects entrusted during a period of traineeship € 11 500

[197] Emergency dental: Not established from the insurer's documents ↩

Emergency dental care is reimbursed up to a maximum of €300. A separate sub-benefit covers dental treatment following an accident up to €600.

Emergency dental treatment 100% up to € 300 *

[198] Search & rescue: Not established from the insurer's documents ↩

Search and rescue costs at sea or in the mountains are covered up to €3,000.

We will pay for the costs of sea or mountain searches following an event which endangers your life, up to the amount given in the schedule of cover.

[199] Legal assistance: Not established from the insurer's documents ↩

Legal assistance abroad for an involuntary breach of local law covers legal fees up to €3,000; a separate penal bail advance of up to €7,000 is also available, repayable to the insurer once refunded.

We will pay the fees of legal representatives whom you call upon, up to the amount given in the schedule of cover, if you are being prosecuted for unintentionally breaking the law of the foreign country in which you are traveling.

[200] Emergency medical treatment: Not established from the insurer's documents ↩

Consultations, pharmacy, analyses and radiography are covered within the overall €150,000 annual medical expenses ceiling; no separate sub-limit stated.

[201] Hospitalization: Not established from the insurer's documents ↩

Surgery and hospitalization are covered within the overall €150,000 annual medical expenses ceiling. Direct billing can be arranged for hospitalizations exceeding 24 hours.

For costs of hospitalisation of more than 24 hours, it is possible to obtain an undertaking to pay medical costs by contacting our MEDICAL ASSISTANCE service beforehand, which is available 24 hours a day

[202] Outpatient treatment: Not established from the insurer's documents ↩

Consultations, pharmacy, lab analyses, radiography and paramedical acts are covered within the overall €150,000 annual medical expenses ceiling.

Consultations, pharmacy, x-ray analyses, paramedic care 100% of actual costs*

[203] Medical evacuation: Not established from the insurer's documents ↩

Repatriation/medical evacuation is included with no stated cap, organized via the 24/7 assistance platform; prior insurer approval is required.

According to the seriousness of the case, repatriation and transport are effected under medical supervision, if necessary, by the most appropriate of the following methods: • special air ambulance

[204] Repatriation of remains: Not established from the insurer's documents ↩

Repatriation of the body in case of death is covered; the €1,500 cap applies only to funeral costs, while the transport of the body itself has no stated cap.

In case of death due to a covered event, we will organize and pay for the transport of the body from the place where the body was placed in the coffin to the international airport nearest your home address.

[205] Pre existing conditions: Not established from the insurer's documents ↩

Illnesses and accidents that occurred prior to the contract's effective date are excluded from all guarantees.

expenses related to pre-existing conditions: consequent to accidents or illnesses which occurred prior to the effective date of the contract,

[206] Winter sports cover: Not established from the insurer's documents ↩

Not addressed in the reviewed documents.

[207] Adventure sports cover: Not established from the insurer's documents ↩

Not addressed in the reviewed documents.

[208] Pregnancy complications: Not established from the insurer's documents ↩

Unforeseeable pregnancy complications are covered under assistance, but in all cases coverage stops from the 32nd week of pregnancy onward.

states of pregnancy unless unforeseen complications, and in all cases from the 32nd week of pregnancy,

[209] Medical expenses: €5,000 ↩

Covers medical, surgical, pharmaceutical and hospitalization expenses abroad due to accident or sudden illness, up to €5,000 per claim with a €50 deductible; also includes ambulance transport to the nearest clinic/hospital. A separate €1,000 sub-limit (50€ deductible) applies for equivalent expenses incurred in mainland Portugal, more than 150km from home, during a covered trip.

Se em consequência de acidente ou doença, a Pessoa Segura necessitar de assistência médica, cirúrgica, farmacêutica ou hospitalar, no estrangeiro, o Segurador, através dos Serviços de Assistência, suportará, até ao limite fixado ou reembolsará mediante acordo prévio e justificativo:

[210] Medical transport: Unlimited ↩

Unlimited cover for transport of the insured person, by the most adequate means, to the hospital center prescribed by the medical team or to their usual domicile.

O Segurador garante, até aos limites fixados, o pagamento das despesas de transporte, pelo meio adequado, da Pessoa Segura que tenha sofrido de uma lesão corporal grave, para o centro hospitalar prescrito pela equipa médica ou para o seu domicílio habitual, após o controlo prévio da equipa médica do Segurador

[211] COVID-19 treatment: Excluded ↩

Any infectious/contagious disease is expressly excluded from cover, regardless of how it was contracted.

Quaisquer doenças infectocontagiosas independentemente da forma de como foi contraída a doença;

[212] Personal liability: Optional ↩

Optional cover for extracontractual civil liability of the insured for bodily injury or material damage caused to third parties during private-life activities while traveling; the limit is set in the Particular Conditions and a deductible of 10% of the indemnity (min. €150, max. €500) applies.

[213] Emergency dental: €250 – €300 ↩

Em situações de emergência odontológica que atinja a Pessoa Segura, durante o período de validade da Apólice, o Segurador assumirá o encargo das despesas médicas e farmacêuticas de urgência apropriadas à situação e de acordo com a orientação e parecer da sua equipa médica.

[214] Search & rescue: €1,500 ↩

Covers costs of collection and transport of the insured person from the ski slope to the resort's medical center or the nearest hospital, up to €1,500; only available if the optional Winter Sports extension is contracted.

Em caso de acidente ocorrido na pista de Ski, o Segurador suportará os custos de recolha, efetuada com meios de salvamento disponibilizados pela Estância de Ski, e transporte, da Pessoa Segura acidentada, da pista até ao Centro Médico da Estação ou, se necessário, até ao Hospital mais próximo da Estância.

[215] Legal assistance: €1,000 ↩

Covers criminal defense of the insured if accused of involuntary homicide, bodily injury or traffic infractions following a road accident, and pursuit of amicable/judicial claims for damages suffered, up to €1,000.

Assegurar a defesa penal da Pessoa Segura, se ela for acusada de homicídio involuntário ou danos corporais involuntários, ou infração às leis e regulamentos referentes à circulação em consequência de um acidente de viação.

[216] Emergency medical treatment: €5,000 ↩

Emergency medical and surgical treatment abroad is covered under the same €5,000 per-claim Assistência em Viagem guarantee (50€ deductible) as medical expenses; a 24h telephone medical advice service by a doctor is also available.

Se em consequência de acidente ou doença, a Pessoa Segura necessitar de assistência médica, cirúrgica, farmacêutica ou hospitalar, no estrangeiro, o Segurador, através dos Serviços de Assistência, suportará, até ao limite fixado ou reembolsará mediante acordo prévio e justificativo:

[217] Hospitalization: €5,000 ↩

Hospitalization costs abroad are reimbursed/settled within the same €5,000 per-claim Assistência em Viagem guarantee (50€ deductible); doctors' team keeps contact with the treating physician and family throughout hospitalization.

c) os gastos de hospitalização;

[218] Outpatient treatment: €5,000 ↩

Outpatient medical, surgical and pharmaceutical costs abroad share the same €5,000 per-claim Assistência em Viagem limit (50€ deductible) as other medical guarantees.

a) as despesas e honorários médicos e cirúrgicos;

[219] Medical evacuation: Unlimited ↩

Unlimited cover for repatriation/evacuation of a seriously injured or ill insured person after prior control by the insurer's medical team, in contact with the treating physician.

O Segurador garante, até aos limites fixados, o pagamento das despesas de transporte, pelo meio adequado, da Pessoa Segura que tenha sofrido de uma lesão corporal grave, para o centro hospitalar prescrito pela equipa médica ou para o seu domicílio habitual

[220] Repatriation of remains: Unlimited ↩

Unlimited cover for all formalities and expenses at the place of death and for repatriation/transport of the deceased insured person to the place of burial in Portugal; a €1,500 sub-limit applies to the minimum coffin required for repatriation.

O Segurador encarregar-se-á de todas as formalidades a efetuar no local do falecimento da Pessoa Segura, garantindo as respetivas despesas, bem como as de repatriamento ou transporte até ao local da inumação em Portugal.

[221] Pre existing conditions: Excluded ↩

Aggravation of an accident due to a pre-existing illness is excluded; the insurer's liability cannot exceed what it would be for a person without that pre-existing condition.

Se as consequências de um acidente forem agravadas por doença preexistente, doença ou enfermidade anterior à data da verificação daquele, não pode, nesse caso, a responsabilidade do Segurador exceder aquela que lhe assistiria se o acidente tivesse ocorrido a uma pessoa não portadora dessa doença ou enfermidade

[222] Winter sports cover: Optional ↩

Optional extension covering amateur, non-competitive ski/snowboard practice, including: treatment in Portugal for ski accidents abroad up to €3,000 (75€ deductible); transport from medical center to ski resort, unlimited-type cover up to €1,500; piste rescue up to €1,500; crutches payment up to €30.

O Segurador suportará, até ao limite máximo, o custo com as despesas necessárias ao tratamento das lesões sofridas, em consequência de acidente ocorrido na prática de ski/snowborad garantido pelo contrato de seguro

[223] Adventure sports cover: Excluded ↩

Only a closed list of low-risk amateur sports practiced outside training/competition is covered (e.g. swimming, running, cycling, tennis, football, golf); high-risk activities such as diving, kitesurfing, mountaineering-type sports, motor sports, bungee jumping, paragliding and similar are expressly excluded, unless a specific extension (only Winter Sports exists) is contracted.

as garantias do presente contrato são válidas para a prática pontual, amadora e não federada, exclusivamente fora de treinos e competições (ainda que amadoras e não federadas), dos seguintes desportos: natação, corrida, badmington, basquetebol...

[224] Pregnancy complications: See details ↩

No provision regarding pregnancy or pregnancy-related complications was found in the reviewed policy documents.

[225] Medical expenses: €10,000 – €50,000 ↩

Payment/reimbursement of medical, surgical and pharmaceutical (when prescribed) expenses following an accident or sudden illness during the trip abroad, up to €10,000 (ok! viagem simples), €30,000 (avançada) or €50,000 (total), subject to a €50 deductible. Only available under the Estrangeiro-level plans.

Se a Pessoa Segura tiver um acidente ou doença súbita no decurso da viagem, o Segurador garante o pagamento de despesas: Médicas e cirúrgicas; Farmacêuticas, quando prescritas pelo médico; De hospitalização.

[226] Medical transport: Unlimited ↩

Ambulance or other adequate transport from the place of occurrence to the nearest clinic or hospital in case of accident or illness, unlimited, included in all plans.

Em caso de acidente ou doença da Pessoa Segura, o Segurador tomará a seu cargo o transporte em ambulância ou outro meio adequado, desde o local da ocorrência até à clínica ou hospital mais próximo.

[227] COVID-19 treatment: See details ↩

The policy does not explicitly address COVID-19 treatment as included or excluded; it only states that repatriation/transport guarantees may be limited by restrictive measures in case of a declared epidemic or pandemic.

A presente garantia poderá sofrer limitações na sua prestação decorrentes da imposição de medidas restritivas em caso de declaração de epidemia ou pandemia de doença infetocontagiosa, caso a Pessoa Segura se encontre infetada ou apresente sintomas de infeção da referida doença.

[228] Personal liability: €75,000 ↩

Optional add-on covering bodily injury and/or material damage caused to third parties in the context of the Pessoa Segura's private life during the trip, up to €75,000, same across all tiers and territorial levels.

Pagamento de uma indemnização, até ao limite fixado nas Condições Particulares, por danos corporais e/ou materiais causados a terceiros no âmbito da sua vida privada e no decurso da viagem.

[229] Emergency dental: €500 – €2,500 ↩

Reconstitutive dental treatment expenses following an accident (not illness) abroad requiring emergency dental intervention, up to €500 (simples), €1,250 (avançada) or €2,500 (total), €50 deductible. Trigger is accident only, unlike the general medical expenses cover which also includes sudden illness.

O Segurador pagará as despesas necessárias ao tratamento odontológico de reconstituição, caso a Pessoa Segura necessite de intervenção odontológica de emergência devido a acidente ocorrido durante a viagem.

[230] Search & rescue: €15,000 ↩

Optional add-on covering search and rescue costs, including transport to the nearest hospital, for accidents during amateur practice of parachuting, paragliding, climbing, caving, spearfishing, scuba diving, motonautics/water-skiing and board water sports, up to €15,000, same across all tiers.

O Segurador suportará os encargos de busca e de salvamento da Pessoa Segura, incluindo os de transporte, pelo meio adequado, até ao centro hospitalar mais próximo.

[231] Legal assistance: €6,000 ↩

Optional add-on providing legal protection (advice, criminal/civil defence, claims for damages, disputes with travel/tourism/hotel providers) up to €6,000 under the Estrangeiro-level modality (€3,000 under the Portugal-level modality); the limit varies by territorial modality, not by tier.

A proteção jurídica, até ao limite fixado nas Condições Particulares, dos interesses do Tomador ou da Pessoa Segura decorrentes de factos emergentes da sua vida privada e no decurso da viagem, mediante pedido de proteção dirigido à Empresa Gestora.

[232] Emergency medical treatment: €10,000 – €50,000 ↩

Emergency medical and surgical treatment following an accident or sudden illness abroad is covered within the same overall Despesas Médicas no Estrangeiro limit (€10,000/€30,000/€50,000 by tier), €50 deductible; not a separate sub-limit.

Se a Pessoa Segura tiver um acidente ou doença súbita no decurso da viagem, o Segurador garante o pagamento de despesas: Médicas e cirúrgicas; Farmacêuticas, quando prescritas pelo médico; De hospitalização.

[233] Hospitalization: €10,000 – €50,000 ↩

Hospitalization costs following an accident or sudden illness abroad are covered as a component of the overall Despesas Médicas no Estrangeiro limit (€10,000/€30,000/€50,000 by tier); the assistance service stops covering hospitalization once repatriation becomes possible.

O Serviço de Assistência deixará de suportar os custos com a hospitalização no estrangeiro, a partir do momento em que se verifiquem as condições que permitam o repatriamento da Pessoa Segura.

[234] Outpatient treatment: €10,000 – €50,000 ↩

Outpatient medical/surgical and prescribed pharmaceutical expenses abroad are covered within the same overall Despesas Médicas no Estrangeiro limit as hospitalization (€10,000/€30,000/€50,000 by tier), €50 deductible.

Se a Pessoa Segura tiver um acidente ou doença súbita no decurso da viagem, o Segurador garante o pagamento de despesas: Médicas e cirúrgicas; Farmacêuticas, quando prescritas pelo médico; De hospitalização.

[235] Medical evacuation: Unlimited ↩

Repatriation or sanitary transport by ambulance, special sanitary aircraft (in Europe/Zone A) or scheduled airline (elsewhere) in case of accident or illness, unlimited, decided exclusively by the insurer's medical team.

Quando a urgência e a gravidade do caso o exigirem, o meio de transporte a utilizar na Europa, Argélia, Egipto, Israel, Líbano, Líbia, Marrocos, Síria, Turquia e Tunísia, será o avião sanitário especial. Nos restantes casos, ou no resto do Mundo, utilizar-se-á o avião comercial de linha aérea regular ou qualquer outro meio adequado às circunstâncias.

[236] Repatriation of remains: Unlimited ↩

In case of death abroad, the insurer covers the coffin, local formalities and transport of the body to the place of burial or cremation in the country of habitual residence, unlimited. Only available under the Estrangeiro-level plans (shown as not applicable on the Portugal-level plan).

Em caso de morte da Pessoa Segura, o Segurador suportará o custo de aquisição da urna, bem como as despesas com todas as formalidades a efetuar no local do falecimento e ainda as despesas de transporte do corpo até ao local de inumação ou cremação no país da residência habitual da Pessoa Segura.

[237] Pre existing conditions: Excluded ↩

Expenses related to chronic or pre-existing illness are excluded from the Despesas Médicas no Estrangeiro guarantee; more generally, pre-existing incapacity, injury or illness and their consequences are excluded from the whole policy unless known to the insurer before the contract was concluded.

Despesas Médicas no Estrangeiro, quaisquer despesas: Relacionadas com doença crónica ou pré-existente;

[238] Winter sports cover: Unlimited ↩

Optional add-on: unlimited search and rescue at ski resorts for amateur skiing (no jumps) and snowboarding accidents, plus reimbursement of non-refundable equipment rental/lift-pass costs up to €250 and lost ski lessons up to €250, same across all tiers.

Em caso de acidente sofrido pela Pessoa Segura na sequência da prática de “Ski” na neve (sem salto) e “Snowboard”, enquanto amador, o Segurador suportará os encargos de busca e de salvamento da Pessoa Segura, incluindo os de transporte, pelo meio adequado, até ao centro hospitalar mais próximo.

[239] Adventure sports cover: €15,000 ↩

Optional add-on that partially derogates the general exclusion of activities such as parachuting, paragliding, climbing, caving, scuba diving and water sports on a board, when practised as an amateur, covering search-and-rescue costs up to €15,000; excludes motorized two/three-wheel vehicles.

Está abrangido o acidente sofrido pela Pessoa Segura na sequência da prática de Paraquedismo, Queda Livre, Parapente e Asa Delta, Alpinismo e Escalada, “Slide” e “Rappel”, Espeleologia, Caça Submarina, Mergulho com utilização de sistemas auxiliares de respiração, Motonáutica e Esqui Aquático, Desportos náuticos praticados sobre prancha, enquanto amador.

[240] Pregnancy complications: Excluded ↩

Expenses resulting from complications due to the Pessoa Segura's state of pregnancy are explicitly excluded from the Despesas Médicas no Estrangeiro guarantee.

Resultantes de complicações devidas a estado de gravidez da Pessoa Segura;

[241] Medical expenses: Covered ↩

Covers medical and surgical fees, pharmaceutical products prescribed by a physician, and hospitalization expenses incurred abroad, up to the limit set in the particular conditions.

[242] Medical transport: See details ↩

Not specified in the available source material.

[243] COVID-19 treatment: See details ↩

Not specified in the available source material.

[244] Personal liability: Covered ↩

Covers legally required indemnities for non-contractual civil liability for bodily injury and/or material damage caused to third parties by the insured person during private life in the course of the insured trip, excluding liability arising from accidents involving a vehicle driven or owned by the insured.

[245] Emergency dental: See details ↩

Not specified in the available source material.

[246] Search & rescue: See details ↩

Not specified in the available source material.

[247] Legal assistance: See details ↩

Not specified in the available source material.

[248] Emergency medical treatment: Covered ↩

In case of accident or illness during the trip abroad, the insurer covers medical and surgical fees up to the limit fixed in the particular conditions.

[249] Hospitalization: Covered ↩

Hospitalization expenses incurred abroad due to accident or illness are covered as part of the same guarantee as medical expenses, up to the limit set in the particular conditions.

[250] Outpatient treatment: See details ↩

Not specified in the available source material.

[251] Medical evacuation: See details ↩

Not specified in the available source material.

[252] Repatriation of remains: See details ↩

Not specified in the available source material.

[253] Pre existing conditions: See details ↩

Not specified in the available source material.

[254] Winter sports cover: Conditional ↩

The Neve plan is a distinct selectable plan designed for customers who practice winter sports, subject to a lower maximum age limit (70) than the other plans (75).

[255] Adventure sports cover: See details ↩

Not specified in the available source material.

[256] Pregnancy complications: See details ↩

Not specified in the available source material.

[257] Medical expenses: €3,500 – €30,000 ↩

Base cover for medical, surgical, pharmaceutical and hospitalization costs abroad is included in both the Classic and Gold options, subject to a €50 deductible; the exact base capital for each option is set out in the Particular Conditions and is not disclosed in the public IPID. An optional add-on raises the Classic medical expense capital to €30,000. Across the Classic and Gold line, the published range for this single guarantee is €3,500 to €30,000 depending on the option and any additional coverage selected.

Despesas medicas até ao valor de 30.000 €

[258] Medical transport: Covered ↩

Sanitary transport of injured or ill insured persons is covered; the general capital is set in the Particular Conditions and is not disclosed in the IPID. For COVID-19 illness specifically, the sanitary transport/repatriation guarantee is capped at €50,000.

Em caso de doença por infeção de COVID-19, a garantia de transporte ou repatriamento sanitário está limitada ao valor de € 50.0000,00.

[259] COVID-19 treatment: €3,500 – €30,000 ↩

Medical expenses due to COVID-19 illness are explicitly included within the general medical-expenses guarantee (same €3,500–€30,000 range, not a separate capital). If a doctor prescribes medical quarantine, extended accommodation costs are covered up to the daily maximum stated in the Special Conditions; sanitary transport/repatriation for COVID-19 is separately capped at €50,000.

Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro euros (incluiu doença por infeção de COVI-19).

[260] Personal liability: See details ↩

No personal liability guarantee is disclosed in the reviewed documents for this product.

[261] Emergency dental: See details ↩

No emergency dental guarantee is disclosed in the reviewed documents.

[262] Search & rescue: See details ↩

No search-and-rescue guarantee is disclosed in the reviewed documents.

[263] Legal assistance: See details ↩

No legal assistance guarantee is disclosed in the reviewed documents for this product.

[264] Emergency medical treatment: €3,500 – €30,000 ↩

Emergency medical treatment abroad is covered under the same medical-expenses guarantee described above (not a separate sub-limit); the limit ranges from €3,500 to €30,000 depending on option and add-ons selected.

Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro euros (incluiu doença por infeção de COVI-19).

[265] Hospitalization: €3,500 – €30,000 ↩

Hospitalization costs abroad are covered within the same combined medical/surgical/pharmaceutical/hospitalization guarantee, not as an independent capital; overall limit €3,500–€30,000 depending on option and add-ons.

Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro euros (incluiu doença por infeção de COVI-19).

[266] Outpatient treatment: See details ↩

Outpatient treatment is not listed as a separately quantified guarantee in the available documents.

[267] Medical evacuation: Covered ↩

Medical repatriation is covered; the general capital is not disclosed publicly, but for COVID-19 illness the repatriation/transport guarantee is specifically limited to €50,000.

Em caso de doença por infeção de COVID-19, a garantia de transporte ou repatriamento sanitário está limitada ao valor de € 50.0000,00.

[268] Repatriation of remains: Covered ↩

Transport or repatriation of the deceased insured person and an accompanying family member is covered; no numeric limit is disclosed in the reviewed documents.

Transporte ou Repatriamento da Pessoa Segura Falecida e seu familiar

[269] Pre existing conditions: Excluded ↩

Injuries or illnesses that already existed before the start of the trip are excluded from cover.

Lesões ou doenças já existentes antes do início da viagem

[270] Winter sports cover: Excluded ↩

Accidents resulting from winter sports such as skiing and snowboarding are excluded from cover.

Acidentes resultantes da prática desportiva profissional ou amadora federada e respetivos treinos bem como da prática de outros desportos “especiais”, desportos de Inverno, tais como Ski e Snowboard e quaisquer desportos que envolvam veículos motorizados

[271] Adventure sports cover: Excluded ↩

Accidents arising from professional or federated amateur sport and training, and from other 'special' or motorized sports of comparable danger, are excluded, as are accidents from using two-wheeled motorized vehicles or quad bikes.

Acidentes resultantes da prática desportiva profissional ou amadora federada e respetivos treinos bem como da prática de outros desportos “especiais”... Acidentes resultantes da utilização pela Pessoa Segura de veículos motorizados de duas rodas ou moto quatro

[272] Pregnancy complications: Conditional ↩

Childbirth and complications arising from pregnancy are excluded, unless they are unforeseeable and occur during the first six months of pregnancy.

Partos e complicações devidas ao estado de gravidez, salvo se imprevisíveis e ocorridos durante os primeiros seis meses;

[273] Medical expenses: €5,000 ↩

Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento) of the general terms; the specific capital/limit is set out in the Condições Particulares of each policy and was not disclosed in the T&C index text retrieved.

[274] Medical transport: Not available ↩

Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.

[275] COVID-19 treatment: Not available ↩

Covered under Special Condition 09 (Assistência à Pessoa Segura – Proteção COVID-19); exact limit set in the Condições Particulares.

[276] Personal liability: Optional ↩

Optional complementary coverage under Special Condition 06 (Responsabilidade Civil Privada em Viagem) for damages caused to third parties during the trip; exact limit set in the Condições Particulares.

[277] Emergency dental: See details ↩

No evidence of this coverage found in the reviewed sources.

[278] Search & rescue: See details ↩

No evidence of this coverage found in the reviewed sources.

[279] Legal assistance: See details ↩

No evidence of this coverage found in the reviewed sources.

[280] Emergency medical treatment: €5,000 ↩

Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.

[281] Hospitalization: €5,000 ↩

Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.

[282] Outpatient treatment: See details ↩

No evidence of this coverage found in the reviewed sources.

[283] Medical evacuation: Not available ↩

Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.

[284] Repatriation of remains: Not available ↩

Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.

[285] Pre existing conditions: Not available ↩

The policy defines a pre-existing disease but does not state in the retrieved text whether such conditions are covered or excluded from medical expense coverage.

[286] Winter sports cover: See details ↩

No evidence of this coverage found in the reviewed sources.

[287] Adventure sports cover: See details ↩

No evidence of this coverage found in the reviewed sources.

[288] Pregnancy complications: See details ↩

No evidence of this coverage found in the reviewed sources.

[289] Medical expenses: £5,000,000 – £10,000,000 ↩

Emergency medical and other expenses are covered up to £5,000,000 under the Secure tier and up to £10,000,000 under the Protect and Ultimate tiers.

[290] Medical transport: Covered ↩

Transport arrangements to hospital or home are managed by the Emergency Assistance Service as part of Section B, but a specific monetary limit was not stated in the retrieved text.

[291] COVID-19 treatment: See details ↩

Not found in the retrieved sources for this product.

[292] Personal liability: Covered ↩

The policy includes a dedicated Section G – Personal Liability, but the specific monetary limit was not stated in the retrieved text.

[293] Emergency dental: See details ↩

No specific emergency dental limit or confirmation of inclusion was found in the retrieved sources for this product.

[294] Search & rescue: See details ↩

Not found in the retrieved sources for this product.

[295] Legal assistance: See details ↩

Not found in the retrieved sources for this product.

[296] Emergency medical treatment: £5,000,000 – £10,000,000 ↩

Same Section B benefit as medical expenses: up to £5,000,000 (Secure) and up to £10,000,000 (Protect/Ultimate) for emergency medical treatment abroad.

[297] Hospitalization: Covered ↩

Policy includes a dedicated Section C – Hospital Benefit, but the specific monetary limit was not stated in the retrieved policy text.

[298] Outpatient treatment: Covered ↩

Outpatient treatment is covered on a reimbursement basis: the policyholder pays the hospital or clinic and claims back the cost, but a specific sub-limit was not stated in the retrieved text.

[299] Medical evacuation: Covered ↩

The Emergency Assistance Service arranges evacuation/transport home when medically necessary, but a specific monetary limit was not stated in the retrieved text.

[300] Repatriation of remains: Covered ↩

Emergency medical repatriation is a standard benefit under the policy, but a specific monetary limit was not stated in the retrieved text.

[301] Pre existing conditions: See details ↩

The policy requires declaration and written acceptance of pre-existing medical conditions; no coverage limit for accepted conditions was stated in the retrieved text.

[302] Winter sports cover: Optional ↩

There is no cover for Emergency Medical and Other Expenses, Personal Accident and/or Personal Liability arising from winter sports unless the additional premium has been paid, as offered as an optional extension.

[303] Adventure sports cover: Optional ↩

Hazardous sports cover is listed as an optional extension on the official product page; no specific limit is stated.

Optional extensions include winter sports, cruise cover, gadget cover, wedding cover, business trips, hazardous sports and excess waiver

[304] Pregnancy complications: See details ↩

Not found in the retrieved sources for this product.

[305] Medical expenses: €2,500 – €10,000 ↩

Optional extension (Condição Especial 003, requiring an additional premium per Cláusula 2ª) reimbursing medical, surgical, pharmaceutical and hospitalization expenses abroad, with per-tier limits: Nível 1 €5,000; Nível 2 €7,500; Nível 3 €10,000; Neve €2,500. A €50 deductible per person and per claim applies.

Despesas Médicas, Cirúrgicas, Farmacêuticas e de Hospitalização no Estrangeiro Franquia: €50,00 por pessoa e por sinistro 5.000,00 € 7.500,00 € 10.000,00 € 2.500,00 €

[306] Medical transport: €200,000 – €500,000 ↩

Optional guarantee (003) covering transport in ambulance to the nearest clinic/hospital and organized transfer to a more suitable facility or back to the usual domicile, chosen and coordinated by Zurich's medical team, with per-tier limits: Nível 1 €200,000; Nível 2 €350,000; Nível 3 €500,000; Neve €200,000.

Transporte ou Repatriamento Sanitário de Feridos e Doentes 200 000,00 € 350 000,00 € 500 000,00 € 200 000,00 €

[307] COVID-19 treatment: Excluded ↩

Infectious diseases are always excluded from all guarantees of the policy when occurring in a situation of epidemic or pandemic declared by the competent authorities.

Estão sempre excluídas do âmbito de todas as garantias do seguro as seguintes situações: Doenças infetocontagiosas, quando em situação de epidemia ou pandemia declarada pelas autoridades competentes.

[308] Personal liability: Optional ↩

Optional extension (Condição Especial 001, requiring an additional premium) covering pecuniary reparations owed by the insured for extra-contractual bodily injury or property damage caused to third parties during the trip, up to the limit set in the Condições Particulares (not a fixed figure disclosed in the general terms).

Fica expressamente convencionado que, nos termos, condições e exclusões desta cláusula o presente contrato garante, até ao limite fixado nas Condições Particulares, as reparações pecuniárias exigíveis à Pessoa Segura com fundamento em responsabilidade civil extracontratual decorrentes de lesões corporais e/ou materiais causadas a terceiros em consequência de sinistros ocorridos no decurso da viagem.

[309] Emergency dental: See details ↩

No specific emergency dental benefit is identified in the reviewed Condições Gerais or IPID.

[310] Search & rescue: €10,000 ↩

Exclusive to the optional 'Neve' winter-sports tier: covers costs necessary to provide rescue to the insured injured on the ski slope, up to €10,000, subject to medical prescription.

Despesas de socorro em pista n.d n.d n.d 10 000,00 €

[311] Legal assistance: See details ↩

No distinct legal expenses/legal assistance guarantee is identified in the reviewed Condições Gerais or IPID.

[312] Emergency medical treatment: €2,500 – €10,000 ↩

Same optional guarantee also covers medical, surgical, pharmaceutical and hospitalization expenses incurred in Portugal for a road accident, when the insured's final destination is outside Portugal, using the same per-tier limits as medical expenses abroad (Nível 1 €5,000 / Nível 2 €7,500 / Nível 3 €10,000 / Neve €2,500) and the same €50 deductible.

Despesas Médicas, Cirúrgicas, Farmacêuticas e de Hospitalização por acidente em Portugal em trânsito para o Estrangeiro Franquia: €50,00 por pessoa e por sinistro 5.000,00 € 7.500,00 € 10.000,00 € 2.500,00 €

[313] Hospitalization: €2,500 – €10,000 ↩

Hospitalization costs are included within the same combined limit as medical expenses abroad (Nível 1 €5,000 / Nível 2 €7,500 / Nível 3 €10,000 / Neve €2,500) — this is not an additional, separate sum on top of the medical expenses cap.

Despesas Médicas, Cirúrgicas, Farmacêuticas e de Hospitalização no Estrangeiro Franquia: €50,00 por pessoa e por sinistro 5.000,00 € 7.500,00 € 10.000,00 € 2.500,00 €

[314] Outpatient treatment: See details ↩

Not separately itemized in the available policy documents; presumed to fall within the general medical expenses abroad limit.

[315] Medical evacuation: €200,000 – €500,000 ↩

Medical evacuation is covered under the same 'Transporte ou Repatriamento Sanitário de Feridos e Doentes' benefit as medical_transport, sharing the same per-tier limits (Nível 1 €200,000 / Nível 2 €350,000 / Nível 3 €500,000 / Neve €200,000) — not an additional, separate sum.

Transporte ou Repatriamento Sanitário de Feridos e Doentes 200 000,00 € 350 000,00 € 500 000,00 € 200 000,00 €

[316] Repatriation of remains: €10,000 – €20,000 ↩

Optional guarantee (003) covering formalities at the place of death and transport/repatriation to the place of burial in Portugal, with per-tier limits: Nível 1 €10,000; Nível 2 €15,000; Nível 3 €20,000; Neve €10,000.

Transporte ou Repatriamento da Pessoa Segura Falecida 10 000,00 € 15 000,00 € 20 000,00 € 10 000,00 €

[317] Pre existing conditions: Excluded ↩

Zurich does not cover medical expenses abroad related to a chronic or pre-existing illness; separately, if an accident's consequences are aggravated by a pre-existing illness, Zurich's liability is capped at what it would have been for a person without that condition.

Relacionadas com uma doença crónica ou pré-existente;

[318] Winter sports cover: €10,000 ↩

Optional 'Neve' tier provides ski-specific benefits: crutches purchase up to €25; transport from the ski slope to the resort's medical center up to €10,000; slope rescue costs up to €10,000 — all subject to medical prescription, alongside reduced versions of the other Assistência às Pessoas limits.

5.3 Despesas de socorro em pista A Zurich garante, até ao limite fixado nas Condições Particulares os custos que se vierem a revelar necessários, para prestação de socorro à Pessoa Segura sinistrada

[319] Adventure sports cover: Excluded ↩

The policy excludes accidents from federated sports and their training, as well as Alpinism, Martial Arts, Boxing, hunting of dangerous animals, spearfishing, motorboating, motorsports, parachuting, bullfighting and other analogously dangerous sports and activities, unless expressly contracted.

Prática de "Alpinismo", "Artes Marciais", "Boxe", "Caça de Animais Ferozes", "Caça Submarina", "Desportos de Inverno", "Motonáutica", "Motorismo", "Paraquedismo", "Tauromaquia", e outros desportos e atividades análogas na sua perigosidade.

[320] Pregnancy complications: Excluded ↩

Expenses resulting from complications due to a state of pregnancy are excluded from the medical expenses abroad guarantee; a separate, unrelated trip-cancellation guarantee can be triggered by childbirth complications within the first six months of pregnancy of a family member.

Resultantes de complicações devidas ao estado de gravidez;