If employees of your enterprise go abroad to work a physical work, it is definitely worth to think of possibilities to prevent significant additional costs that you and your employees would have to cover in case of unforeseen situations – illness or injury. In such situations Travel Insurance for Manual Workers would be the most appropriate option. Take care of your and your employees’ financial security.
Travel Insurance for Manual Workers applies to individuals who go to work abroad.
Price of the Travel Insurance policy for manual workers depends on the type of the work planned to be done abroad.
Depending on the injury risk, the professions and works in the following areas are considered to be easy manual works:
The professions and works in the following areas are considered to be hard manual works :
|Attention. If you have an EHIC, you will receive a 40% discount!|
Insurance covers the expenses associated with the provision of emergency medical assistance abroad, in case an accident or a sudden illness has occurred during the trip, including emergency medical aid, costs of purchasing drugs prescribed by the doctor, emergency surgery and medical procedures, as well as expenses transportation to the hospital (in emergency cases also including the use of medical helicopter services). If the client is hospitalized due to a sudden illness or a personal accident, and cannot return to the domicile country in the scheduled time, the cost of purchasing new tickets or changing tickets will be reimbursed. Insurance also covers the costs of phone calls, made to contact BTA or BTA cooperation partners regarding purchasing or lease of the temporarily necessary medical aids, transportation costs for taking a minor child to the domicile country, when the client is hospitalized.
According to the sum indicated in the Insurance Agreement, covers expenses for the purchase of painkillers, temporary measures of dental treatment (x-ray, medications, temporary tooth fillings or tooth extraction).
transportation of the mortal remains to the domicile country. Coordinating in writing, the repatriation expenses can be replaced by burial expenses abroad, including coffin costs.
Covers expenses for transportation prescribed by a doctor from the hospital abroad to a hospital in the country of domicile.
|Expenses of a person accompanying the injured person||
In case of necessity, covers also expenses for medical personnel expenses if returning to the country of domicile, i.e. medical evacuation, cannot take place without a doctor or nurse escort.
|Accident resulting in mutilation||
If the accident results in death or mutilations, indemnity will be paid according to the sum indicated in the Insurance Agreement.
Travel Insurance policy is valid in the specified territory outside the Republic of Latvia. You can obtain the Travel Insurance policy indicating the following operating areas:
You can purchase a Travel Insurance policy for Manual Workers for a definite period of time, starting from one day.
You can purchase the travel insurance policy in the following ways:
EHIC, i.e. European Health Insurance Card, is a document common for all European Union and European Economic Area countries (Iceland, Norway, Liechtenstein) and the Swiss Confederation, which entitles citizens of these countries to receive state-funded emergency and necessary health care to the extent ensured for inhabitants of each relevant country. The EHIC can be used in foreign clinics that are members of the National Sickness Fund and that have accepted the usage of the EHIC. Therefore, before seeking medical care abroad, we recommend you to inquire in advance whether the relevant clinic accepts the EHIC.
All residents of the Republic of Latvia may receive the EHIC card for free, therefore, when traveling abroad, be sure to obtain the EHIC card. For more information about the possibilities of receiving the EHIC card, visit the website of the National Health Service.
Why do you need BTA Travel insurance if you have the EHIC card?
An example showing the necessity for the EHIC and Travel Insurance:
State of health of a resident of Latvia suddenly deteriorated while visiting a country in the European Union. As a result, the woman was placed in a clinic. When her health condition slightly improved and it was possible to evacuate her to her country of origin, the bill for medical services amounted to EUR 24 000.
Given that the Latvian resident had the EHIC, she did not have to pay the entire amount from her own personal funds. The EHIC covered 75% (EUR 18 000) of the medical expenses, the remaining 25% (6 000 EUR) would have to be covered by the woman herself, if she had not had the BTA travel insurance policy. Medical evacuation costs that were not covered by the EHIC amounted to EUR 4 300.
If the woman, additionally to the security provided by the EHIC, had not purchased the BTA Travel insurance, she would have to pay EUR 10 300 for the medical services received in the foreign clinic and medical evacuation to Latvia from her own personal funds. In this case, this amount was covered by BTA.
Before going abroad, we suggest you to:
In case of an accident abroad, take the following measures.
If you wish to obtain additional information on the Travel Insurance for Manual Workers or its purchase, contact the BTA Customer Support Service by phone 26 12 12 12 or in any other of the most convenient forms of communication. Other possible means of communication can be found in the “Contacts” section.
|Travel insurance terms and conditions|
|Terms and Conditions No 15-1
(the wording applies to policies issued starting from 09.05.2016)
|Terms and Conditions No 15
(the wording applies to policies issued starting from 20.12.2011)
|General insurance terms and conditions|
|Terms and Conditions No 3
(the wording applies to policies issued starting from 13.12.2011)
|Terms and Conditions No 2
(the wording applies to policies issued starting from 07.06.2011)
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