Medical insurance services. The Insurer will cover the expenses of reasonable and standard care with no choice of physician against the invoice for such expenses, to the extent of the average rates applicable at the place where the medical services are received, up to the limits specified in the table of benefits, provided that the Insured immediately – but within 48 hours – if the objective possibility exists – notified after the insured event at the latest to the Assistance Service on its 24/7 telephone number at (+00-0) 000 0000. Emergency occurs when: – the lack of medical help might threaten the life or safety of the Insured or cause irreparable damage to the health or bodily soundness of the insured; – the Insured shall need immediate medical attendance based on the symptoms displayed (e.g. loss of consciousness, bleeding, acute contiguous illness, high fever, vomiting) or the accident suffered; – the deterioration of the illness that had existed before the travel shall require urgent medical help. Exceptions to these are illnesses arising out of alcoholism, drug abuse or the taking of any other narcotic substances. Based on the above, the Insurer will cover the expenses of the following medical services: – medical examination, – specialist medical examination, – medical treatment, – laboratory tests, X-ray, – hospital treatment until the patient may be repatriated, – surgery considered urgent in Hungarian medical practice, – intensive hospital care, – patient transport and patient repatriation as soon as it is allowed by the Insured’s condition (the necessity, time and method of repatriation will be determined by the Insurer subject to the Insured’s condition, following consultation with the treating medical practitioner), – emergency maternity care before week 25 of the pregnancy, – subsequent reimbursement of the expenses of any medicine purchased by prescription against the original invoice for such expenses, – lease of artificial limbs, crutches, mobility scooters and other medical equipment and instruments by prescription, – emergency dental care, direct pain relief treatment, and temporary root canal treatment for a maximum two teeth, each up to the limit specified in the table of benefits. In respect of the Insurer and the Insurer’s agent the Insured shall exempt the medical practitioner or healthcare institution carrying out the examination or treatment from medical confidentiality.
