Premium calculation · Travel
Travel insurance
In our own estimate, the basic example 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, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 12 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Destination
- Europe
- Days
- 8
- Travellers
- 2
- Age of the oldest
- 40
- The reference tier
- With cancellation
- €69 - €93
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%12 companies |
| With cancellationPays if you cancel the trip as well. · the reference tier | €69Hellas Direct | €93Allianz Ευρωπαϊκή Πίστη | +35%12 companies |
| FullGives high limits and covers sports. | €115Hellas Direct | €155Allianz Ευρωπαϊκή Πίστη | +35%12 companies |
The factors
Every insurer has the same bands, but its own 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 with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Europe | × 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 with the figures
| 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 with the figures
| 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 with the figures
| 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. Check the limit for each item in the basic plan: it may not be enough for a modern phone. | Gives high limits and covers sports. | €8Hellas Direct | €10Allianz Ευρωπαϊκή Πίστη | +25%12 companies |
| Excess cover for a rental carCovers the excess on a hire car. Compare its price with what the rental company asks for at the desk. | - | €12Hellas Direct | €16Allianz Ευρωπαϊκή Πίστη | +33%12 companies |
| Extreme sportsSkiing, 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%12 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%12 companies |
Minimum premium: from €13 to €18 depending on the company. No price falls below its own.