When packing in a hurry for a holiday trip or going on an unscheduled travel, we often tend to forget even the very basic things, and realize it only at the very last moment. In cooperation with the mobile operator LMT we offer the LMT clients an option to purchase travel insurance by sending a short text message (SMS). Only one message and you can travel without worries!
When purchasing Travel Insurance policy by SMS, there are specific limits of sum insured for each of the risks included in the policy. The following table shows risks and sums insured for each risk in euros.
|Programme for Customers|
|Total sum insured:||
||75 000||10 000|
Covers expenses related to medical assistance abroad, in case of an accident or sudden illness during the trip, including emergency medical assistance, expenses for purchase of medications prescribed by doctors, urgent operations and medical procedures, as well as costs for transportation to the hospital (in case of emergency, for the use of services of medical helicopter). If, due to a sudden illness or accident, the Customer is hospitalized and cannot return to the country of domicile at the scheduled time, expenses for new tickets or ticket exchange are covered.
|75 000||10 000|
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).
Covers expenses for transportation of the remains of the deceased to the country of domicile.
|10 000||5 000|
Covers expenses for transportation prescribed by a doctor from the hospital abroad to a hospital in the country of domicile.
|50 000||10 000|
|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.
|3 000||3 000|
|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.
|10 000||1 000|
|Loss or theft of passport or ID-card||
According to the sum indicated in the Insurance Agreement, covers transportation, accommodation costs (hotel, food) incurred due to renewal of passport or ID-card abroad, as well as telephone conversations related to the renewal of the passport or ID-card.
|Loss, theft or damage of baggage registered with the carrier due to the fault of the carrier||
If due to the fault of the carrier, the baggage is lost or stolen, indemnity is paid according to the actual value of the baggage; if the baggage is damaged, indemnity covers the costs for the repair or, if the repair is not possible, indemnity is paid according to the actual value of the baggage.
|Loss, theft or damage of sports equipment registered with the carrier due to the fault of the carrier||
If due to the fault of the carrier, sports equipment is lost or stolen, indemnity is paid according to the actual value of the sporting equipment; if the sports equipment is damaged, indemnity covers the costs for the repair or, if the repair is not possible, indemnity is paid according to the actual value of the sports inventory.
|Delay of baggage registered with the carrier due to the fault of the carrier||
Covers purchase of basic necessities and hygiene products, as well as clothing appropriate for local climate; in case of delay of sports equipment, indemnity covers the rent of the sports equipment.
|Theft of Customer's personal belongings||
At a certain amount covers expenses for purchase of basic necessities and objects that replace the units of the stolen baggage.
At a certain amount covers losses caused by the Customer to a third party's health, life or property, as well as the costs of court proceedings.
|10 000||10 000|
Covers expenses for legal assistance if the Customer inadvertently has not complied with national traditions and accepted norms of behaviour, or has unintentionally violated laws regulations, thus causing losses to a third party.
|1 000||1 000|
|Delay of flight||
Covers expenses for meals, hotel services, transportation services in case of flight delay for more than four hours due to weather conditions or technical state of the airplane.
|Interruption of travel||
If the Customer has to interrupt the travel due to the death of a family member or hospitalization of a family member due to heart attack or stroke, the insurance covers expenses for the purchase of the flight or train ticket.
Purchasing the Travel Insurance by SMS, insurance conditions are valid worldwide, except for Latvia and/ or your country of domicile.
Insurance protection will not apply in the following high-risk countries or zones:
You can purchase a Travel Insurance policy by sending a text message, for a period ranging from one day to 13 days. If you need travel insurance for a longer period, you can extend it by sending a repeated request message on the last day when the policy is valid and by indicating the number of remaining days of travel.
If you have bought a Travel Insurance policy by SMS and continue to stay abroad for a longer period of time, when the policy is close to expire, you will receive a reminder message about the need to extend the policy. To make the insurance coverage valid without interruption, the consent to extend the insurance by sending a repeated message containing personal data should be provided no later than 24 hours after receipt of the reminder.
By sending an SMS, a Travel Insurance policy may be purchased only by LMT clients.
Leaving Latvia, LMT clients receive an SMS reminder of the option to obtain BTA Travel Insurance by SMS.
In order to purchase a Travel Insurance policy, LMT client, upon receipt of the SMS reminder, should send an SMS requesting BTA Travel Insurance policy to 1663 specifying the insured person’s name, surname, personal number and number of days (the SMS delivery day inclusive) that require a valid insurance.
Janis Ozolins 261176-12748 5 or Jānis Ozoliņš 261176-12748 5
You can obtain the Travel Insurance by SMS for yourself and your fellow travellers by sending a separate SMS for each person to be insured.
EHIC for additional security during the travel
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 a 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:
Things you should do in case of an accident
In case of an accident abroad, take the following measures.
Use the BTA Mobile Application
Using the BTA mobile application in your smartphone, our contacts will always be available for you. When an accident takes place, you can use our application to get in touch with us, so that we can inform you about further measures to be taken, and, if necessary, you can easily send us photos from the scene of the accident.
|Obtaining travel insurance by SMS conditions|
|Terms and Conditions No 15-2013-1 (in latvian)
(the wording applies to policies issued starting from 01.11.2013.)
|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)
* You can open digitally signed documents *.edoc, using the template on website eparaksts.lv. Before checking the necessary document, save it on your computer (we recommend using Chrome, Firefox, Safari or Opera browsers).