Travel Insurance
Travel insurance includes:
- Foreign travel medical care expenses and repatriation insurance;
- Foreign travel casualty insurance;
- Luggage insurance;
- Personal travel civil liability insurance;
- Insurance against travel financial losses.
The types of insurance are subject to selection. The obligatory type of insurance is the foreign travel medical care expenses and repatriation insurance.
An insurance premium depends on the duration of insurance, the country of visit, the age of a person and the purpose of the travel.
The insurance coverage is effective abroad except Lithuania and the country of domicile.
Foreign travel medical care expenses and repatriation insurance
After taking out an insurance of this type ERGO LIETUVA will compensate for the necessary medical treatment expenses resulting from an acute illness or accident abroad:
- Necessary outpatient or inpatient treatment;
- Medicines prescribed by the doctor;
- Necessary transportation to the nearest hospital;
- Necessary and urgent transportation to Lithuania for a follow-up treatment.
The following expenses are subject to repayment as well:
- Funeral expenses abroad not exceeding the transportation costs;
- Necessary expenses of transportation of the dead person.
The insurance sum is specified in the insurance policy and depends on the country of visit. The maximum insurance sum is equal to 70.000 Euros.
Actions to be taken in the case of an insured accident
Consult a doctor or official medical institution nearest you. If your illness requires an inpatient treatment immediately inform thereof the ERGO LIETUVA Claims for Damages Regulation Department in person or through your doctor (on workdays) or the assistance partner abroad - EuroAlarm Assistance Prague company that operates 24 hours a day (the telephone number and address are specified in the insurance certificate and the insurant's memo).
If you happen to undergo an outpatient treatment and to buy medicines prescribed by a doctor, you can personally pay up to 250 Euros for medical treatment, whereas, after coming back from the journey, you should present the documents confirming the insured accident, i.e.: original invoices and receipts. Demand that the doctor should specify the diagnosis, the date of treatment and the rendered services in the documents. Do not address yourself to EuroAlarm Assistance Prague if you personally settle the invoice.
If damage was done abroad on a workday you can also address yourself directly to ERGO LIETUVA. The insured person's memo advises about the actions to be taken in cases of damage by persons that have taken out other types of travel insurance.
Foreign travel casualty insurance
This type of insurance covers the risks of death, disablement, temporary disablement and bone fractures.
- In the case of death a lump sum of insurance coverage selected for the risk of death shall be paid to the legal heirs of the deceased.
- In the case of disablement the compensation amount depends on the degree of disablement and the selected insurance sum.
- In the case of bone fracture the compensation amount depends on the fractured bone and the insurance sum provided for in the contract of insurance.
- In the case of temporary disablement due to an accident the insurance compensation shall be paid for the suffered trauma (e.g. resulting from dislocation of bones, rupture of soft tissues, burns, frostbite, brain concussion and cerebral haemorrhage).
Luggage insurance
Insurance covers personal belongings intended for travel only.
The insurance compensation shall be paid for:
- The lost luggage left in a left-luggage office;
- Compulsory purchase of goods to a maximum value of 175 Euros in cases where delivery of a registered luggage to the place of destination is delayed for over 6 hours;
- Losses due to theft from a parked and locked up vehicle;
- Losses resulting from disappearance of, or damage to the luggage due to a motor vehicle accident or casualty suffered by an insured person;
- Losses resulting from damage to the luggage due to fire or other natural effects.
The insurance premium depends on the insurance sum, i.e. the luggage value and duration of insurance. The insurant may choose one of the insurance sums: 500 Euros, 750 Euros, or 1000 Euros.
Civil liability insurance
It is a statutory civil liability in cases where compensation is payable for the damage caused to any other person. Damage may be caused to another person's health or property. Such damage may include everyday hazards, e.g. an insured person in a hurry may unintentionally give another person a push, due to which the latter is traumatized, or an insured person riding a bicycle may damage a parked car. A claim for damages is laid in accordance with the valid civil liability laws. In case of an insured accident the insurer represents the insured person in court. Where insurance is taken out by parents the civil liability insurance shall also cover the damage caused by underage children.
Insurance against travel financial losses
If you cancel your travel reservation or you are compelled to suddenly terminate your travel due to your or one of your fellow-travellers' acute disease or death, you will have a lot of expenses. In such cases ERGO LIETUVA will reimburse you for:
- Travel cancellation expenses;
- Additional expenses of returning home after cancelling the travel.
The following events are regarded as insured accidents:
- Death, severe injuries or acute dangerous illnesses of the insured person or his/her nearest relatives;
- A considerable damage to the insured person's or his/her spouse's home.
Losses resulting from late departure or late arrival to the change trip due to:
- Traffic accident;
- Public transport delay;
- Criminal activity of third persons.
ERGO advantages
- In the case of an insured accident a foreign damage regulation centre, a 24-hour assistance company EuroAlarm Assistance Prague (Czech Republic), will provide you with all necessary information and confirm payment of medical care expenses.
- You can choose yourself the insurance coverage according to the purpose and duration of the trip.
- Financial reliability secured by ERGO Insurance Group of Germany and international reinsurance companies.
- A flexible discount system.
- An insurance representative office nearest you. Today the ERGO LIETUVA sales network covers all cities and towns of Lithuania.
NOTE:
The above description involves only a general specification of particular types of travel insurance. Please make yourself familiar with the details of the Travel Insurance Regulations before taking out insurance.
