Full Coverage – Europe

Full Coverage – Europe

Territory covered: Europe, including ALGERIA, Egypt, Israel, Canary Islands, Morocco,Tunisia and Turkey.

Type of insurance Insurance program Insurance sum Period of insurance*
Medical expenses А 30 000 From 3 to 366 days
Accident   3 000 From 3 to 366 days
Public Liability   15 000 From 3 to 366 days
Baggage   500 From 3 to 366 days

* The maximum period of continuous insurance is 365 days.

Medical insurance

Program А Limits
1. First (emergency) aid in place of event. 100%
2. Medical service and out-patient treatment. 100%
3 . In-patient treatment. 100%
4. Payment of the cost of COVID-19 rapid testing, COVID-19 laboratory tests, prescribed by the doctor in the presence of signs of the disease, as evidenced by the relevant medical report, as well as outpatient and inpatient treatment of the Insured person COVID-19. 100%
5. Payment for medicines used for emergency medical treatment or compensation of expenses in the event of self-purchase of medicines prescribed by the doctord. 100%
6. Urgent dental health service. 1%
7. Payment for land transportation of the injured Insured person to the medical establishment in cases when the Insured person is unable to move by him/herself. 100%
8. Payment for in-patient treatment of the Insured in hospital during up to 15 days after the expiration of the Insurance Contract. 100%
9. Transportation and medical accompaniment of the Insured person, which is on in-patient care, from abroad to the place of permanent residence. 100%
10. Transportation of the body (repatriation) of the Insured person to the customs border of the country of permanent residence. 100%
11. Payment for burial of the Insured person in a country of place of death. 10%
12. Compensation for expenditures for telephone contact with the Insurer in order to inform about the insured accident. up to 100 EUR/USD
Program B includes the terms of Program A, plus:
13. Insurance of children without age limit (from birth) without additional charge (extra charge), payment of the costs of providing medical care with the involvement of, if it is necessary, highly specialized doctor pediatric doctors. 100%
14. Payment of expenses for the further outpatient treatment of the Insured person with COVID-19 disease for up to 15 days after the expiration of the Insurance Contract. 100%
15. Payment of medical care for sunburn, allergies. 1%
16. Payment of medical care for an acute exacerbation of chronic diseases. 10%
17. Payment of urgent gynecological care during the term of pregnancy, which does not exceed 31 weeks. 10%
18. Medical expenses compensation for preterm labor. 10%
19. Payment of the cost of medical care for a newborn at preterm birth. 10%
20. Payment of medical care for diseases or injuries resulting from alcohol inebriation (excluding post- mortem repatriation);. 10% - 50 EUR/USD deductible for every event
21. Payment of medical assistance resulting from acts of terrorism and natural disasters, including post- mortem repatriation. 100%
22. Payment of hyperbaric therapy (pressure chamber). up to 10000 EUR/USD
23. Compensation of expenses for payment of immobilization devices prescribed by a doctor for injuries. Within these insurance conditions, immobilization devices include crutches, orthoses, bandages and splints. 1%
24. Payment for transportation of the Insured person by the economy class to the country of permanent residence after outpatient treatment of COVID-19 or inpatient treatment of COVID-19 after the expiration of the Insurance Contract. up to 400 EUR/USD
25. Payment for transportation of the Insured person in economy class to the country of permanent residence after in-patient treatment after the expiration of the Insurance Contract. up to 400 EUR/USD
26. Payment for the prolonged staying of the Insured person abroad after expiration of the Insurance contract for a period not exceeding 5 days if after being discharged from the hospital the Insured person cannot return to the country of permanent residence (payment of costs is carried out for 5 days of stay within only the first 15 days after the expiration of the Insurance Contract);. up to 100 EUR/USD per day
27. Payment for the prolonged staying in a hotel abroad for a period not exceeding 5 days of one Insured person’s travel companion after expiration of the Insurance contract if the Insured Person is in inpatient treatment. up to 100 EUR/USD per day
28. Compensation for economy class return ticket and staying in a hotel within the period up to 5 days for one of the adult close relatives of the Insured person, if the Insured person is in inpatient treatment in the country of temporary stay more than 5 days. up to 100 EUR/USD per day
29. Payment of travel costs connected with preschedule return to the country of permanent residence and, if it is necessary, accompaniment of the Insures person’s children aged under 16 in the event of the Insured person's hospitalization or death. up to 400 EUR/USD
30. Payment of travel costs of the Insured person's attendant to the country of permanent residence in the event of the Insured person's hospitalization or death. up to 400 EUR/USD
31. Payment of costs of search and rescue of the Insured person in mountains, at sea, in desert, jungle or other remote places, including expenses for the evacuation by helicopter from the scene to the hospital. up to 400 EUR/USD

Accident insurance


Limits
32. Temporary health disorder of the Insured Person. 30%
33. Disability:
  • Group III
  • Group II
  • Group I

  • 60%
  • 75%
  • 100%
34. Death of the Insured Person. 100%

Third-party liability insurance


Limits
35. Compensation of damage caused as a result of unintentional and careless actions inflicted to life and health of the third person by the Insured person. 70%
36. Compensation to the affected third party for pain and suffering as a result of unintentional actions of the Insured person. 5%
37. Compensation of damage inflicted to the property of the third person as a result of unintentional actions of the Insured person. 30%
38. Compensation of damage unintentionally inflicted to the rented sport equipment during active rest. 1%
39. Payment of costs of interpretation and layer services relating to the protection of civil rights of the Insured person during legal proceedings. 10%

Baggage insurance

Limits
40. Reimbursement for expenses caused by loss, destruction or partial damage of the insured luggage. 100%
41. Reimbursement for the expenses connected with reissuance of the lost documents necessary for return to the country of permanent residence. 10%
42. Reimbursement for the expenses connected with reissuance of the lost documents necessary for return to the country of permanent residence. Reasonable costs