Chubb Travel insurance (Forskarforbundet Group Travel Insurance)

No upper limit on medical costs incurred due to accident or illness while travelling; for incidents occurring within Finland (domestic trips) the maximum benefit is 250,000 EUR.

Emergency treatment for acute travel illness or accident is reimbursed with no upper limit; SOS International arranges direct billing to the treating facility where possible.

Hospital stay costs are reimbursable medical expenses covered under the same overall medical expenses cap (unlimited abroad, 250,000 EUR for domestic incidents), with no separate sub-limit.

Outpatient examinations and treatment prescribed by a doctor for a covered travel illness or accident are reimbursable medical expenses, covered under the same overall cap.

Emergency dental treatment following an accident during the trip is reimbursed up to 250 EUR.

Transport of the insured back to their home country due to a travel illness or accident is covered with no upper limit, provided it is organised and pre-approved by the emergency travel assistance company.

Evacuation/repatriation to the place of residence must always be medically justified and follow the instructions of a doctor approved by the emergency assistance company; no upper monetary limit applies.

If the insured dies as a result of a travel illness or accident during the policy period, the necessary and reasonable costs of transporting the deceased home, organised and pre-approved by the emergency travel service, are covered with no upper limit.

Not mentioned as a distinct benefit in the reviewed policy wording.

Not addressed as a distinct benefit in the reviewed policy wording.

An illness present, diagnosed, or under investigation before the trip began is not a covered travel illness; however, if such a condition suddenly and unexpectedly worsens during the trip, necessary acute medical treatment is reimbursed for a maximum of 7 days.

Ordinary skiing on marked slopes is covered under the standard accident/illness benefits (an official claims example describes reimbursement for a ski-fall injury), but skiing off marked slopes, speed skiing and downhill racing are excluded.

The policy excludes competitive sports and training, motor sports, diving deeper than 12 metres or without a licence/instructor, climbing sports, air sports (hang-gliding, paragliding, parachuting, bungee jumping), contact sports, self-guided expeditions to mountains/jungle/desert/wilderness, and ocean sailing.

Childbirth/pregnancy examinations, pregnancy tests, abortion and sterilisation are excluded, as are the consequences of childbirth or pregnancy occurring after the 28th week of pregnancy; complications arising earlier may be reimbursed as an ordinary travel illness.

Covers damage to property or persons for which the insured is legally liable, up to a maximum of 85,000 EUR, with a 50 EUR deductible.

Legal costs related to a covered liability claim are reimbursed up to a maximum of 85,000 EUR, with no deductible.