Premium calculation · Travel
Travel insurance
The reference case costs from €69 to €93 depending on the company. From there, 4 tables with 18 bands in all raise or lower the price - the same steps at every company, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Destination
- Europe / EU
- Days
- 8
- Travellers
- 2
- Age of the oldest
- 40
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| BasicCovers medical costs and repatriation. | €38Hellas Direct | €52Allianz Ευρωπαϊκή Πίστη | +37%11 companies |
| With cancellationPays if you cancel the trip as well. · the reference tier | €69Hellas Direct | €93Allianz Ευρωπαϊκή Πίστη | +35%11 companies |
| FullGives high limits and covers sports. | €115Hellas Direct | €155Allianz Ευρωπαϊκή Πίστη | +35%11 companies |
The factors
The same bands at every insurer, different coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 1.00 to × 4.20 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Europe / EU | × 1.00 | × 1.00 |
| Rest of the world | × 2.20 | × 1.60 |
| USA, Canada, Japan | × 2.92 | × 1.96 |
| High-risk destinations | × 4.20 | × 2.60 |
From × 0.52 to × 3.40 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 4 days | × 0.52 | × 0.76 |
| 5 – 8 days | × 1.00 | × 1.00 |
| 9 – 15 days | × 1.08 | × 1.04 |
| 16 – 30 days | × 1.64 | × 1.32 |
| over 30 days | × 3.40 | × 2.20 |
From × 0.20 to × 1.96 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 17 | × 0.20 | × 0.60 |
| 18 – 49 | × 1.00 | × 1.00 |
| 50 – 64 | × 1.00 | × 1.00 |
| 65 – 74 | × 1.40 | × 1.20 |
| 75 and over | × 1.96 | × 1.48 |
From × 0.20 to × 2.12 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| 1 person | × 0.20 | × 0.60 |
| 2 people | × 1.00 | × 1.00 |
| 3 – 4 people | × 1.40 | × 1.20 |
| 5 people and over | × 2.12 | × 1.56 |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Electronic devicesPhone, laptop, camera. The basic luggage limit rarely stretches to a modern phone. | Gives high limits and covers sports. | €8Hellas Direct | €10Allianz Ευρωπαϊκή Πίστη | +25%11 companies |
| Hire-car excessCovers the excess on a hire car. It costs a fraction of what the rental company asks for at the desk. | - | €12Hellas Direct | €16Allianz Ευρωπαϊκή Πίστη | +33%11 companies |
| Adventure activitiesSkiing, diving, mountaineering. Without it, a broken leg on a piste is not covered. | Gives high limits and covers sports. | €10Hellas Direct | €14Allianz Ευρωπαϊκή Πίστη | +40%11 companies |
| Infectious diseasesMedical costs and quarantine from an infectious disease. Most policies now include it in the basic cover; check before you pay for it twice. | Pays if you cancel the trip as well.Gives high limits and covers sports. | €5Hellas Direct | €7Allianz Ευρωπαϊκή Πίστη | +40%11 companies |
Minimum premium: from €13 to €18 depending on the company. No price falls below its own.