Wide choice of channels for purchasing insurance policy. You can purchase the policy in any sales facility across Estonia or through Salva online-shop.
Wide health insurance cover. Insurance covers the costs of ambulance, hospital, medical care, and the cost of medicines as well as repatriation costs for the sick person and accommodation and living costs of the person accompanying the sick person. In addition, costs caused by natural disasters, terrorism and riots are covered.
The coverage of COVID-19 disease in health insurance. Policy covers medical treatment costs (costs on diagnosis, medications, hospital treatment) related to COVID-19 disease (including mutations and variations of COVID-19) up to the amount of health insurance coverage specified in the contract (maximum up to 200 000 euros). In case the Insured is quarantined abroad extra accommodation and flight ticket costs are covered up to 2000 euros – providing COVID-19 disease has been medically confirmed. Insurance cover also extends to existing contracts.
Health insurance up to 1,000,000 euros. Insurance cover selected for a health insurance policy can amount up to 1000 000 EUR. This is the limit of indemnification for the losses related to a sickness or an accident. The chosen sum insured is applicable to a single person insured. In case of a sickness or an accident, an insured person may seek treatment from the most suitable medical facility, including a private hospital.
Flexible travel interruption conditions. Salva compensates any additional costs arising from travel cancellation, travel interruption or missed transit flights. The travel is not required to start from Estonia and you can conclude the contract only for flight days. Travel cancellation cover becomes valid after 4 days following conclusion of the contract, and the exact start date of the insurance cover is stated in the policy.
The coverage of COVID-19 disease in travel interruption. We will refund the cost of the unused travel package if the insured person is diagnosed with COVID-19 after the travel cancellation insurance cover comes into effect in Estonia and therefore travel becomes contraindicated. The insured person must prove COVID-19 disease with a PCR test, the insurance company does not accept the result of a rapid test as evidence.
The first case of COVID-19 after the commencement of travel cancellation insurance in Estonia is an insured event, and we will cover the costs of trip cancellation.
To the people who have had COVID-19 infection, Salva Kindlustus offers insurance protection against trip cancellation due to COVID-19, if by the day of commencement of the trip at least 2 months have passed since recovery. If by the day of commencement of the trip less than 2 months have passed since recovery, the trip cancellation insurance is valid only if the result of the PCR test made before the conclusion of the policy was negative.
Up to 30% discount on coronavirus testing. Any person holding Salva’s travel insurance certificate is eligible up to 30% discount on the regular price of two instances of testing for coronavirus (both express tests and the laboratory samples from the nasopharinx). The discount codes will be generated for the insurance certificate and testing at a discount price is available in Confido medical centres. More information here.
Wide selection of additional risks. Depending on the destination and specialities of your travel, you can choose the insurance cover against the following risks:
- protection against losses arising from strike, insolvency or bankruptcy of the carrier;
- losses caused by natural disasters (e.g. earthquake, volcanic eruption, hurricane, flood, etc.), terrorism and riots.
Natural disasters and terrorism insurance cover can be added to both health- and travel interruption insurance. In case of terrorist attacks, insurance covers politically, religiously or ideologically motivated violent acts pursuant to limitations provided by the contract. Indemnity is payable if an insured event occurs in the insured person’s transit or destination point during the trip or within 48 hours before the beginning of the trip. Ask more information or look for the price in Internet.
Luggage cover in case of lost items and damaged suitcase. If luggage is stolen, damaged or delayed, Salva compensates the related costs.
Annual discount insurance. For those who travel frequently, Salva offers annual discount insurance with a usage time of 120 days. Health, travel interruption and luggage insurance amounts, as well as additional risks, can be selected as needed.
No retention (deductible). In case of travel insurance losses, Salva does not apply the retention (deductible), except in case of liability insurance losses where the retention (deductible) specified on the policy is applied.
Liability insurance for covering losses caused to third persons. If a liability insurance cover has been added to the travel insurance policy and the insured person causes losses to third persons during his/her travel (e.g. unintentional damage caused to hotel furniture, etc.), Salva indemnifies the losses within the amount of sum insured. Retention (deductible) for liability insurance is 100 EUR. See for terms and conditions here.
Indemnification of losses caused due to rental car damage or theft. If an indemnification of rental car excess (deductible) has been added to the travel insurance policy, Salva covers the losses caused in a situation where a car rented during the travel is damaged by an accident or a natural disaster or is stolen. Indemnification for the excess (deductible) may amount up to 1,500 EUR.