The EHIC is not enough
The European Health Insurance Card does not pay for mountain or helicopter rescue, private doctors or repatriation. Travel insurance usually does; mountain rescue sometimes only with winter sports cover.
Skiing: decide before you go
- you need winter sports cover, the basic package often excludes it;
- off-piste is usually not covered;
- races are not covered even by winter sports cover.
Trip cancellation
Usually a separate package or add-on, and it pays only for the reasons listed: typically illness or accident needing medical care before departure, with a doctor’s certificate. Changing your mind is not covered.
| What | Example from policy terms |
|---|---|
| Medical costs | in one package HUF 50,000,000 in Europe, HUF 30,000,000 outside |
| Luggage | HUF 300,000, HUF 100,000 per item |
| Theft from a car | some exclude electronics, some pay only from a locked car |
| Alcohol | some exclude blood alcohol above 0.8 per mille |
If something happens: call first
Call the assistance number on your policy first, then arrange treatment. Some terms give 48 hours to report, and pay less or nothing if you are late.
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