What is covered?
- Serious illness, accidents, flare-ups of chronic illnesses and death of the customer or their family members;
- Terrorist attacks, cancelled concerts, pregnancy complications;
- The need to attend court; attendance needed regarding losses made to the customer’s property;
- If the trip is cut short due to serious illness in family members, accident, flare-ups of chronic illnesses , death; terrorism.

Balcia covers
- Costs related to the booked trip (airfare, accommodation, vehicle rental, theatre or concert tickets for trips within the country of residence);
- In the case of a trip being cut short, the purchase of new tickets, unused accomodation nights.

You must submit the following to Balcia:
- A document confirming the reason for annulment or cancellation (such as medical documentation, doctor’s note);
- In the case of family members, documents confirming your relationship;
- Documents confirming travel expenses (hotel, tickets, car rental agreement), your tour company agreement (if such exists);
- If your trip was interrupted, your new tickets and documents confirming payment;
- If the accident took place on a trip in your country of residence, information on your permanent/official residence.

! Trip cancellation also applies to trips within your country of residence.

When an insured event has occurred, call Balcia assistance service phone: (+371) 65818365, e-mail: citadele@balcia.lv.

To submit a claim for third-party insurance, you must have the third party’s claim.

What is covered?
- Injury done to the health or possessions of a third party as a result of actions or inactions of you or your child.

Balcia covers:
- Emergency medical attention for the third party;
- Repair or replacement of damaged goods;
- Rescue expenses;
- Judicature expenses.

You must submit the following to Balcia:
- The third party’s claim (copy) to cover their losses;
- Confirmation from state law enforcement that the incident took place;
- Eyewitness accounts of the incident, or any other documents confirming the incident.

When an insured event has occurred, call Balcia assistance service phone: (+371) 65818365, e-mail: citadele@balcia.lv.

Terms and conditions of travel and purchase insurance
Important things to know about travel and purchase insurance

Valid for cards: X supreme, X prime, X Infinite, X Business, X Business Plus, X hero, X Platinum, X Corporate.

What is covered?
- delay or cancellation of a regular flight for a reason independent of the customer’s wishes (technical issues, weather);
- flight discrepancies, for example, if connecting flights are missed due to delay of the first flight.

Balcia covers
Meals, hotel accomodation, transport to/from the hotel (daily limit: 100 EUR);
In the case of flight discrepancies, hotel expenses (nightly limit: 100 EUR), other relevant expenses linked with transport;
Exchange of travel tickets, 50 % of the price difference between previously purchased tickets and new tickets, but not exceeding the amount of 200 EUR.

It is important when submitting your claim to contact your carrier for a statement confirming that your flight was cancelled or delayed.

You must submit the following to Balcia:
If your flight is delayed or cancelled:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- A copy of your tickets or boarding pass;
- Receipts for your food, transport and hotel.

If there was a discrepancy between the time one flight arrived and the next departed:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- Tickets (a copy of your new ticket, your unused ticket or boarding pass);
- Receipts for the purchase of new tickets;
- Receipts for hotel expenses during the stopover, if used.

When an insured event has occurred, call Balcia assistance service phone: (+371) 65818365, e-mail: citadele@balcia.lv.

What is covered?
- Sudden heavy illness;
- Accidents;
- Flare-ups of chronic illness.

Balcia covers
- Medical expenses: doctor’s visits, medicines, urgent operations, transport, urgent dental treatment, pregnancy complications (<32 weeks), technical medical aids;
- Medical evacuation, transport: specialised transport, expenses for the person accompanying the patient (medical personnel or fellow traveller), ticket change if you miss your flight;
- Repatriation: transportation of mortal remains to their country of residence;
- Evacuation of children, if they become unaccompanied;
- Arrival of 1 family member: tickets, hotel and per diem (up to 100 EUR per day).

Important: Always contact Balcia if the insured person is conscious. Balcia will inform you of where to go depending on the patient’s health condition. If you cannot contact Balcia, you should go to a state, rather than private, medical institution where possible. If you are in the USA, Turkey, Egypt, Greece, Bulgaria, Russia, Belarus, Spain or Thailand, be sure to contact Balcia.

You must submit the following to Balcia:
- A doctor’s note confirming diagnosis;
- Invoices and a document confirming that the invoice has been paid.

When an insured event has occurred, call Balcia assistance service phone: (+371) 65818365, e-mail: citadele@balcia.lv.

What is covered?
- The robbery, theft and loss of passports, ID cards, road vehicle licence and vehicle registration.

Balcia covers
- The cost of replacing the documents.

You must submit the following to Balcia:
- A police report for the theft or loss of your passport, ID card, driving license or vehicle registration documents.

When an insured event has occurred, call Balcia assistance service phone: (+371) 65818365, e-mail: citadele@balcia.lv.

What is covered?
Losses incurred due to seeking legal assistance abroad should you accidentally breach local traditions, norms or laws and have run into legal problems as a result.

Balcia covers:
Legal expenses.

You must submit the following to Balcia:
- A police protocol for the incident;
- Confirmation of invoice payment for legal services.

When an insured event has occurred, call Balcia assistance service phone: (+371) 65818365, e-mail: citadele@balcia.lv.