Travel insurance or European Health Insurance Card

The European Health Insurance Card issued by the Estonian Health Insurance Fund ensures in principal free medical care when travelling in EU Member States. However, it is important to remember that the Health Insurance Card does not cover all expenses related to medical care and is only valid in public medical institutions. You should consider concluding a travel insurance contract in addition to the European Health Insurance Card, in order to manage the risks and enjoy a carefree travel.

Why complement the European Health Insurance Card with Salva’s travel insurance?

  • The European Health Insurance Card does not cover all expenses. The European Health Insurance Card issued by the Estonian Health Insurance Fund does not cover all expenses related to medial care.
    • The European Health Insurance Card is only valid in public medical institutions. Several European countries, e.g. Italy, Spain, Southern France and Greece, are dominated by private medical system and the European Health Insurance Card is not valid in such a system.
    • The patient must cover several expenses. In many countries the immediately necessary medical care is not free also in case of public medical institutions. E.g. a patient must pay a visit fee. Also, the cost of necessary medicinal products, transport to hospital and in-patient fees are not fully covered.
    • Paid bills are compensated later. The Estonian Health Insurance Fund does not compensate immediately the medical bills paid in EU Member States. After returning to Estonia, the patient must turn to the representative office of the Estonian Health Insurance Fund and submit an application. The level of compensation will be decided based on this application.
  • Broad cover of Salva’s travel insurance. Travel insurance contract covers all costs related to the insured event (without any retention/deductible).
    • Insurance covers the costs incurred in all medical institutions. Travel insurance compensates both the bills of public medical institutions and those of private medical institutions (without any retention/deductible).
    • Insurance covers both medical bills and return costs. Salva’s travel insurance covers various costs related to health problems or accidents – medicinal products, visit fees, hospital expenses, and transport to medical institution. In addition, it covers the costs of returning to Estonia.
    • Salva pays the compensation directly to the medical institution, if necessary. If a client is not able to pay the bill for medical care on spot, Salva sends a letter of guarantee to the doctor and the client is not obligated to make any settlements.
    • Advice and assistance 24/7. Salva’s first aid coordinator provides assistance to the clients of travel insurance in locating a suitable doctor or the nearest medical institution. Salva’s cooperation partner, the local first aid coordinator, performs the organisational work, if necessary. Advice is provided 24/7 and in all major European languages.

For example: a little daughter of a family having a vacation in Greece fell and injured her hand. The family turned to the nearest public hospital, but the hospital failed to establish the fracture. As the child continued to suffer from pain, Salva together with the first aid coordinator located a private hospital where the fracture was established and an operation was performed. Salva’s compensation covered the following: taxi costs to the hospital, hospital care, new return tickets to Estonia, and visit fees in the hospital.