Service included in Világjáró Travel Insurance - PDF

Description
Reimbursement of medical cost incurred abroad Service included in Világjáró Travel Insurance Max. claims amount limit (HUF/EUR) Horizont Horizont Premium Due to sudden disease or accident occuring abroad

Please download to get full document.

View again

of 17
All materials on our website are shared by users. If you have any questions about copyright issues, please report us to resolve them. We are always happy to assist you.
Information
Category:

Math & Engineering

Publish on:

Views: 12 | Pages: 17

Extension: PDF | Download: 0

Share
Transcript
Reimbursement of medical cost incurred abroad Service included in Világjáró Travel Insurance Max. claims amount limit (HUF/EUR) Horizont Horizont Premium Due to sudden disease or accident occuring abroad HUF 30,000,000 HUF 150,000,000 Costs of dental care, per tooth (for no more than 2 teeth) EUR 150 EUR 200 Accident insurance services applicable within the territory of Hungary Accidental death during a trip to or return from abroad HUF 1,500,000 HUF 3,000,000 Accidental disability (25% to 100%) during a trip to or return from abroad HUF 1,500,000 HUF 4,000,000 Accident insurance services applicable outside the territory of Hungary Death in accident HUF 2,000,000 HUF 6,000,000 Extra claims amount for death due to aviation accident HUF 1,000,000 Extra claims amount for death due to maritime accident HUF 2,000,000 Disability due to accident (for a disability degree between 25% and 100%) HUF 3,000,000 HUF 10,000,000 Costs incurred abroad in connection with an accident HUF 100,000 HUF 250,000 Temporary incapacity for work due to accident, for up to 100 days (the value indicated refers to amount per day) HUF 1,000 Costs incurred abroad in connection with hyperbaric chamber treatment HUF 3,000,000 Luggage insurance services Theft or destruction of the luggage during a trip in a foreign country HUF 250,000 HUF 400,000 of which the following limits/item apply HUF 50,000 HUF 100,000 For consumer electronic products, the value indicated on the submitted invoice/receipt but no more than HUF 50,000 HUF 100,000 Sporting equipment, in case of extra fee paid for Sport+ plan HUF 50,000 HUF 100,000 of which the following limits/item apply HUF 25,000 HUF 50,000 Recovery of passport or identity card, social security card, driver's licence and/or vehicle registration document) whether stolen or destroyed Consulate fees HUF 10, % HUF 50,000 Delayed delivery of luggage (only in foreign countries and when the delay exceeds 6 hours) HUF 25,000 Delayed delivery of luggage (only in foreign countries and when the delay exceeds 12 hours) HUF 25,000 HUF 50,000 Costs incurred due to delayed flight abroad in excess of 6 hours HUF 50,000 Transportation to Hungary as organized by the Insurer Costs of transportation of diseased patient back to Hungary + + Costs of transportation of corpse back to Hungary + + Health care assistance Health care consultancy + + Ordering a physician to the scene or disclosing the physician's address + + Transportation of patient to a physician or to hospital, on demand, and bearing the costs of transportation + + Making contact with a relative + + Continuous communication with the physician and the healthcare institution + + Additional assistance Costs of extending the stay in a foreign country due to disease or accident HUF 100,000 HUF 200,000 Costs of the visit made by the direct relative HUF 150,00 HUF 250,000 Costs of travelling home prematurely HUF 100,000 HUF 300,000 Transportation of a child back to Hungary 100% 100% Assistance in bringing vehicles home (by means of sending a driver) HUF 150,000 Costs of rescue, searching and saving (including rescue missions with helicopters) HUF 2,500,000 HUF 5,000,000 Legal protection Attorney's fees incurred abroad HUF 750,000 HUF 2,000,000 Legal representation provided abroad, depositing caution money or the alike, or hiring experts as required HUF 1,500,000 HUF 3,000,000 Personal liability insurance HUF 750,000 HUF 1,500,000 Liability insurance relating to accommodations HUF 50,000 Car+ assistance supplementary plan and its territorial scope: available for all European countries (except for Hungary) and for all passenger cars and otorbikes not older than 15 years Arrangement for road assistance (rescue services, on-site diagnostics, troubleshooting) and bearing the associated costs EUR 250 Costs of transportation of passenger car / motorbike back to Hungary if they are not older than 12 / 15 Only one of these two EUR 800 / 400 years Costs of transporting the passenger car / motorbike to a repair shop in a foreign country services can be chosen EUR 250 Repair costs incurred in foreign repair shops (for passenger cars and motorbikes not older than 10 years) EUR 250 Repair costs incurred in connection with attempted theft EUR 150 Arrangement for a hire car, reimbursement of the costs thereof (for a max. duration of 5 days and with a daily limit of HUF 10,000) if the passenger car / motorbike becomes inoperative Arrangement for car storage, reimbursement of the costs thereof (for a max. duration of 5 days and with a daily limit of HUF 10,000) if the passenger car becomes inoperative HUF 50,000 HUF 50,000 Reimbursement of accommodation costs if the passenger car / motorbike becomes inoperative Reimbursement of the costs of travelling home by train or aircraft if the passenger car / motorbike becomes inoperative Reimbursement of the costs of travelling home or to the next destination if the passenger car / motorbike becomes inoperative Only one of these three services can be chosen EUR 300 EUR 500 EUR 500 Unique services included in Beaches of the World travel insurance plan (The services included in Beaches of the World travel insurance plan are identical to those set forth for Horizont travel insurance except for the service limits and unique services indicated in this table) Reimbursement of medical costs incurred abroad Max. claims amount limit per insured party (HUF/EUR) Due to accident sustained abroad HUF 50,000,000 Due to sudden disease occurring abroad HUF 50,000,000 Costs of dental care, per tooth (for no more than 2 teeth) EUR 200 Accident Insurance Services Beach Injury Extra extra claims amount for injuries from accidents sustained at the beach or coast or during water sports activities HUF 30,000 Luggage insurance services Theft or destruction of the luggage during a trip in a foreign country HUF 300,000 Beach Theft Extra limit per item for theft committed either at the beach or coast or in the camping area HUF 150,000 Recovery of passport or identity card, social security card, driver's licence and/or vehicle registration document) whether stolen or destroyed, up to the luggage service limit Value of consumer electronic products (i.e. camera, camcorder, GPS device, tablet, e-book reader or mobile phone), within the luggage service limit HUF 75,000 Value of sporting equipment (angling equipment, kayak, canoe, surf, windsurf, water ski, surfing suit, diving suit and diving equipment) HUF 100,000 Additional assistance Apartment insurance (reimbursement of invoiced but not refunded accommodation fees in case of travelling home prematurely due to accident, HUF 50,000 disease or a direct relative) Experience insurance (reimbursement of the price or fee of a tourist service paid for (verified by invoice) but not used due to accident or disease) HUF 100,000 Reimbursement of veterinary costs paid for the treatment provided to a small pet HUF 30,000 costs of rescue, searching and/or saving HUF 3,000, % The services included in Program+ travel insurance plan are identical to those set forth for Horizont travel insurance except for the service limits and unique services indicated in this table Max. claims amount limit per insured party (HUF/EUR) Reimbursement of medical costs incurred abroad Due to accident sustained abroad HUF 50,000,000 Due to sudden disease occurring abroad HUF 50,000,000 Accident Insurance Services Accidental extra claims amount for accident-related injuries, bug or insect bites, heat stroke or fractured bone that occur during a cultural or sporting HUF 30,000 event and require medical attention Temporary incapacity for work due to an accident sustained during a cultural or sporting event paid for up to 100 days with a daily amount of: HUF 500 Extra claims amount for death due to aviation accident HUF 500,000 Luggage insurance services Theft or destruction of luggage HUF 300,000 Extra limit per item HUF 150,000 Limit per item for consumer electronic products (i.e. values of camcorder, camera, GPS device, tablet, e-book reader or mobile phone) as verified by HUF 75,000 invoice or receipt) Costs incurred due to delayed flight abroad in excess of 6 hours HUF 30,,000 Additional assistance Apartment insurance (reimbursement of invoiced but not refunded accommodation fees in case of travelling home prematurely due to accident, disease or a direct relative Experience insurance (reimbursement of the price of a ticket for a cultural or sporting event (as verified by invoice or receipt) which has remained unused due to an accident or disease HUF 50,000 HUF 100,000 Extra claims amount for a ticket not refunded after an event postponed due to bad weather conditions or cancelled by the performer HUF 10,000 Information for Clients Insurance term The travel insurance contract shall be valid for a definite period not less than 1 day and not more than 1 year. Should the Insured be or become, during the term of insurance, 80 years old, the insurance may be contracted for no more than 30 days or, when holding an Annual Pass, the period of cover may not exceed 30 days in case of a trip to abroad. Start of cover The Insurer s risk bearing shall commence at on the day specified as the commencement date of insurance in the policy issued based on the contract and end at the hour of the last day for which the premium has been paid. Insured event An insured event means any injury of the Insured person or any damage in the property of the Insured or in the car legally used during the travel, as specified in the special terms and conditions of the Travel insurance contract. Payment for the premium The insurance premium shall be calculated based on the tariffs of the Insurer depending on the number of days spent abroad and the extent of the services offered by the insurance product selected by the Insured Party/Policyholder. The insurance premium shall be due upon making the offer, but no later than on the receipt of the policy. The premium determined by the Insurer shall apply to the territory of Europe. The Insurer may provide for unique, customized plans and discounts for different destinations and in function of various ages, number of travellers and/or sporting activities. Car+ assistance services are available in combination with travel insurance products upon payment of the custom supplemental insurance premium indicated in the Tariffs. Insurance services After the occurrence of an insured event, the Insurer will ask for every document related to the event. The Insurer shall provide the service by means of transferring the amount to the bank account or address of the person entitled within 15 days of receipt of all documents required for the settlement of the claim. Under the travel insurance, the Insurer provides the services described in Section 3 of the Special Terms and Conditions. The insurance claims applicable to the particular insurance period shall be reduced by any claims paid out in connection with an insured event that occurred during the same insurance period unless the fee is properly supplemented by the Contracting Party. The Insurer shall advise the Contracting Party of the possibility to top up the coverage balance and of the applicable fee to be paid at the same time the service is provided, at the latest. Should the Contracting Party decide not to exercise his/her right to top up the coverage balance, the contract shall remain in force for the current insurance period with the insurance claims reduced by the amount already paid out. Termination of the contract The insurance contract is terminated when of the last day of risk bearing expires. Termination of the insurance policy The insurance contract may be cancelled before the start date of risk bearing. After the commencement of risk bearing, the client may cancel the contract for the unused days of the insurance at the place of contracting the insurance. Conditions of the Insurer s exemption and applied exclusions The Insurer shall be exempt from providing the service if: the insured event was caused by the deliberate, illegal or severely negligent conduct of the Insured Party or the Contracting Party, or of their close relatives; the insured event occurred as a result or was caused by the Insured party s or Policyholder s being under the influence of alcohol in excess of 0.8 per mille, being under drugs or other narcotics. the Insured party was not located in Hungary when the Insurer s risk acceptance started; the Policyholder or the Insured party s statements are not truthful, causing essential circumstances to be unknown to the Insurer. The Insurer shall be partially or fully exempt from providing the service if: the Insured party or the Policyholder does not comply with its damage prevention or mitigation obligation; the Insured Party fails to comply with his/her status maintenance obligation if a change larger in scale than permitted causes some circumstances essentially required for the assessment of the Insurer s service obligation to become irrecoverable; in spite of the express recommendation of the Hungarian Department of Foreign Affairs, the Insured Party visits destinations or regions to avoid, and the insured event occurs in direct connection with this fact; the Insured party s claim could be refunded partially or fully by another insurance; the exclusion condition set out in the general or special terms applies; in case of damages arising from medical negligence. The following risks shall be excluded from the insurance: damages and penalties resulting from the violation of personal rights; non-pecuniary damage incurred; liability damage caused by the Insured Party (except the types of liability insurance losses listed in Section 4.8 of the General Terms and Conditions up to the amount of insurance specified in the policy); losses incurred in the course of competitive sports activity or work-out; - any and all damages/injuries suffered in the course of dangerous sports activity or sports activity requiring special preparation, experience or knowledge/skills, including in particular but not limited to amateur base jumping, rugby, diving under 40 m, skiing and snowboarding, hydrospeed, rocky jumping, mountain/downhill biking, canyoning, kitesurf, wakeboard, hunting, auto-motor sports and trainings - including test rides and car and rally competitions, test or other type of driving on race tracks -, tower rock, wall and mountain climbing, hiking on via ferrata or klettersteig type routes, mountain hiking or trekking above 3500 m water sea level, cave visiting, air sports, use or operation of motored or non-motored air vehicles/means such as parachute or gas balloon, operation of water motor vehicles or sports activities with water motor vehicles such as jet-ski, air-chair, parasailing); events directly or indirectly caused by radiation qualified as ionizing by legislation or nuclear energy; events directly related to war or civil war activity, military events, rebellion, riot or civil commotion; damages arising from medical or legal malpractice; workplace accidents suffered abroad during physical work activity, and the consequences thereof. Services and exclusions relating to acts of terrorism: Definition of acts of terrorism: violent or threatening acts, representing danger to human life, tangible and intangible goods or the infrastructure, which either take the position of any political, religious, ideological or ethnic aspects or have the intention of influencing governments or sowing terror in some part or whole of the society. Customers having valid travel insurance coverage shall be entitled to receive from the Insurer reimbursement for the costs of medical care required due to acts of terrorism and for the costs of transportation to Hungary, up to a limit of HUF 1,000,000 (one million Hungarian Forints) per person. However, the Insurer applies a collective limit of HUF 30,000,000 (thirty million Hungarian Forints) to claims paid by the Insurer in connection with all Insured Parties affected by the same act of terrorism. If, after the Insured Party leaving Hungary, any act of terrorism takes place at the location abroad where the Insured Party is staying (with such location interpreted as the particular village, town or city but not the entire country), then the Insurer subsequently reimburses any additional justified costs incurred by the Insured Party due to re-schedule of the trip for travelling home prematurely, up to a maximum and cumulative limit of EUR 100. The Insurer shall not be obliged to assist in re-scheduling the trip of the Insured Party. Such service shall be available only if the insurance will have remained valid for no less than 1 day (i.e. until midnight of the day after arriving at home) after the Insured Party arrives at home. Submitting to the Insurer the documentation associated with the accommodation abroad (i.e. invoice issued by the accommodation provider) is a prerequisite, amongst others, for receiving the claims amount. The Insurer shall be exempted from providing the aforementioned services if, in spite of the express recommendation of the Hungarian Department of Foreign Affairs, the Insured Party visits destinations or regions to avoid, and the insured event occurs in direct connection with this fact. With regards to healthcare services, the coverage shall not extend to: any care or the purchase of medicine that is necessary as a consequence of an earlier health condition if it is obvious, upon the conclusion of the insurance contract, that such care or medicine shall become necessary, with high probability, during the term of insurance, expect for urgent needs; services not necessary for establishing the diagnosis or the treatment and not required by acute illness or accidental injury; extra expenses exceeding the reasonable and usual fees in the given country; extra hospital costs arising out of the objection of the Insured to transportation by the Insurer to Hungary (including special ways of transport) for the purpose of further medical treatment, despite the lack of medical reasons; if the Insured Party does not request the Insurer s consent to using healthcare service, in case of damages in excess of EUR 1,000, the part of costs in excess of this limit (except for the cases defined in Sections 14.2 and 14.4 of the General Terms and Conditions); the costs of transport home without the Insurer s consent, or examinations/surgeries which could be reasonably delayed to a date after arrival at home without unbearable medical risks; post- treatment, psychiatric treatment, treatment and care by a relative or travel companion which can be deferred until (the earliest) return home without exceeding the reasonable medical risks; physiotherapy, massage, acupuncture, and treatment provided by alternative therapist, physiotherapist or osteopath; vaccination, routine, control and screening examinations; illnesses transmitted by sexual intercourse, acquired immune deficiency syndromes (AIDS) and related illnesses; contact lenses; prenatal care, obstetric care, clinical examination(s) related to pregnancy, abortion; the costs of health care required due to accident occurring in the course of physical work performed during professional activity; the treatment of more than two teeth, definitive dental care, jaw-orthopaedic treatment, tooth regulation, paradontologic treatments, plaque removal, nonemergency tooth canal treatment, tooth replacement, preparation or repair of dental crown, denture and bridge (except for those defined in Section 3.1 and urgent tooth canal treatment whenever required for making a temporary dental filling); medical and other expenses arising out of the omission of the compulsory vaccinations; cost of drugs purchased without prescription; any therapeutic activity performed by a person without doctor s qualification; treatment by the close relative of the Insured. The luggage insurance coverage shall not extend to the following objects: jewel
Related Search
Similar documents
View more...
We Need Your Support
Thank you for visiting our website and your interest in our free products and services. We are nonprofit website to share and download documents. To the running of this website, we need your help to support us.

Thanks to everyone for your continued support.

No, Thanks