| Type of indemnity | Limit of indemnityLimit of indemnity | Deductible Deductible |
|---|---|---|
| Medical expenses, including | 500 000 € | - |
| - the cost of purchasing medical equipment (per insured person) | 200 € - adult, 200 € - child |
- |
| - dental first aid(per insured person) | 200 € - adult, 200 € - child |
- |
| Invalidity benefit (per insured person) | 10 000 € - adult, 2 000 € - child |
- |
| Death benefit (per insured person) | 10 000 € - adult, 2 000 € - child |
- |
| Travel interruption (trip cancelled, interrupted, or delayed) (total per insured event and insured persons) | 2 000 € | 30 € |
| Change of plane ticket for any reason before check-in (total per insured event and insured persons) | 150 € | - |
| Change of plane ticket due to a cancelled trip or missing the flight or a connecting flight (total per insured event and insured persons) | 150 € | - |
| Flight departure delayed by more than 12 hrs (one delayed departure per insurance period) | 150 € | - |
| Damage to or loss of luggage (total per insured event and insured persons) | 1 000 € | 30 |
| Luggage delayed by more than 4 hrs (reasonable costs for essential goods) | 300 € | - |
| Liability insurance (total for personal injury and property damage during the insurance period) | 10 000 € | 30 € |
| Legal assistance (total for the insurance period) | 1 000 € | 30 € |
| Security (total for the insurance period) | 3 000 € | 30 € |
| Annual insurance premium in euros | 109 € |
Terms and conditions of Gold travel insurance R100/2022 (PDF).
The limit for all benefits during the insurance period is the sum insured stated in the policy. For the Gold travel insurance, the sum insured is €500,000.
If several insured persons are injured or several insured events occur at the same time, the insurer will not cover more than €500,000.
PZU is the trademark of the Estonian branch of AB ‘Lietuvos draudimas’. AB ‘Lietuvos draudimas’ is a Lithuanian non-life insurance company which belongs to the international PZU group. AS SEB Pank and AS SEB Liising act as the insurance agents of the Estonian branch of AB ‘Lietuvos draudimas’ and have been entered into the list of insurance intermediaries published on the website of the Estonian Financial Supervision Authority.
The list is available at www.fi.ee.
The insurance agent receives an agency fee for insurance mediation, which is included in the insurance premium. The fee paid by PZU Kindlustus to the agent is 21% of the insurance premium.
