Are you a student planning to go to study abroad or participate in an experience exchange trip? Obtain an EHIC card and use our offer, i.e. special Travel Insurance programs for students. The insurance will protect you from unnecessary worries in unexpected situations, so you can concentrate on your studies abroad!
Travel Insurance for Students is suitable for individuals and students aged between 16 and 35 (inclusive) who go to study abroad, including taking part in exchange programs, such as YFU, AFS, ERASMUS, Rotaru, etc., and have a valid pupil or student card.
To validate the Travel Insurance System for Students, before going abroad you have to obtain an EHIC, i.e. European Health Insurance Card [saite uz zemāk esošo sadaļu par EVAK], because the Travel Insurance policy for students does not cover the expenses that are reimbursed in accordance with the terms and conditions of the EHIC.
|Attention. Many insurance risks will be valid only if you have an EHIC!|
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.
|Loss, theft or damage of luggage||
If due to the fault of the carrier, the luggage is lost or stolen, indemnity is paid according to the actual value of the luggage; if the luggage 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 luggage.
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.
|For additional security we offer protection in the following cases:|
It should be noted that the policy does not automatically include physical activities and sports associated with increased risks, such as skiing, snowboarding, hockey, football, scuba diving, etc., as well as sports or hobbies if it is intended to participate in a competition. If you plan to do sports or engage in high-risk physical activity during the travel, you must choose appropriate additional protection to validate the policy.
Travel insurance policy for students is valid in the specified territory outside the Republic of Latvia. You can obtain the travel insurance policy for students indicating the following operating areas:
You can purchase a Travel Insurance policy for students, depending on the planned duration of studies or experience exchange duration, for a period of time ranging from one month to one year.
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 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:
In case of an accident abroad, take the following measures.
|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)
* 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).