YOUR TRAVEL PROTECTION FOR TRIPS ABROAD VIA SMARTPHONE:
However, if you would like to do without it,
you can deactivate the travel protection simply by clicking on it.
This way, you not only save on insurance premiums, but also on tedious administrative work.
PRECISE PROTECTION - PRECISE BILLING.
You only pay for the insured days of travel.
Registration is free of charge at all times.
Sign up once for free
TRAVELLING ABROAD
Business or official trip
turn ON HANDSET ONCE
Simply connect to foreign NETWORK
NO data roaming/internet necessary
Mobile phone can remain switched off until return
In Austria the protection deactivates automatically
YOUR PROTECTION:
THE DETAILS.
The insurance covers costs incurred during an insured trip abroad in connection with
- sudden acute illness
- an accident
- death
of the insured person.
The maximum sum insured for the travel health insurance is € 200,000 and the reimbursement is 100% if the costs were previously submitted to the existing private or competent social insurance. If this does not happen, the reimbursement is 80%.
Among other things, the following items are covered:
- the examination necessary to establish a diagnosis and determine the treatment procedure
- the necessary medical treatment
- Emergency transport
- Additional necessary accommodation costs
- a necessary inpatient stay
- medically prescribed remedies that are related to the insured event
- treatment by a dentist for acute toothache and treatment for immediate pain relief
- if justified from a medical point of view, transport from a health facility back to the place of stay abroad, if no public transport can be used for this purpose
- Transport home incl. ambulance jet
- In the event of the death of the insured person, repatriation of the mortal remains
- Transport costs for one of your relatives, as well as their accommodation (150 €/day for max. 10 days)
- Search and rescue costs up to an amount of € 20,000
- For permanent disability as a result of an accident sustained during the trip, you will receive up to € 20,000 depending on the degree of disability.
- If you die as a result of an accident sustained during the trip within 3 years of the date of the accident, we will reimburse your surviving dependants € 10,000.
- Damage to and loss of luggage in the custody of third parties, criminal acts of third parties, damage in traffic accidents and damage caused by fire, explosion or natural hazards up to € 1,500 in the individual tariff and € 3,000 in the family tariff. There is a maximum cover of € 320 per individual item.
- The loss or theft of personal documents up to an amount of € 100 in the single tariff and € 200 in the family tariff.
- Liability risks in the area of personal injury and damage to property in everyday life up to a sum insured of € 100,000.
The 24-hour emergency service provides immediate assistance if you are ill, injured or die during a trip. The service is available 365 days a year at the following telephone number +43 660/303078.
CAREFREE BUSINESS TRAVEL.
HAVE A GOOD TRIP!
IS SUITABLE FOR YOU IF ...
you or the travelling employee have your permanent residence/habitual abode in Austria.
you or your travelling employees have an active Three Mobile tariff and provide roaming data.
you or your employees start a trip abroad. Cover begins at the Austrian national border and ends when you enter the country.
Co-insured children are under 18 years of age.
you or your employees start a trip abroad. Cover begins at the Austrian national border and ends when you enter the country.
you or your employees do not embark on the journey against medical advice or in order to receive medical treatment.
STANDS FOR INNOVATIVE COOPERATION
Automatic protection, only when you really need it.
This “smart” insurance cover is made possible by combining the best customer benefits from 2 worlds:
no data roaming required!
Your customised travel protection activates automatically when you connect to a foreign network. You don’t need to worry about costs, as data roaming can simply remain switched off – so an internet connection is not necessary. With your consent, cooperation partner Drei only transmits to us the time when you first log into a foreign network and the time when you log back into the Austrian Drei network. Since no exact location data is recorded at any time, you can leave your mobile phone switched off for the entire holiday after switching it on once and enjoy your trip without any worries.
FAQS
Does the insurance cover Covid-19 (“Corona”) diseases?
Yes. All benefits of the international health insurance also apply in the event of a Covid19 illness abroad incl. follow-up costs. Please note that there is no insurance cover for travel to areas with travel warnings of level 5 and 6. Current information on travel warnings can be found here.
Who is LAMIE direct?
LAMIE direkt is an Austrian InsurTECH based in Linz. Our vision is to make insurance simple, transparent and above all customer-friendly. We offer our customers modern insurance services through digital solutions, easy-to-understand insurance products and comprehensive personal advice on request.
How are the insured days billed?
For each commenced day of travel abroad, the daily premium stated on your policy will be charged by means of your three-call number. A day is defined as the period from 00:00 to 23:59 according to Central European Time (CET).
What happens if my mobile phone has been stolen on holiday?
If your phone is stolen, we recommend that you immediately block the phone with your Drei customer service. In this case, please also contact the LAMIE customer service by e-mail or by phone at +43 660/303078, as a lock also deactivates the insurance cover.
Do I pay the same premium for each country?
Yes. The travel cover is valid worldwide and the premium per day of travel abroad is the same for each country.
How often can I use the travel cover? How long am I insured abroad?
The travel cover can be used for as many trips as you wish. The insurance cover applies for a maximum duration of 90 days per trip. Protection is deactivated from the 91st day.
Will any costs incur if I do not travel?
You only pay for insurance days that are actually used, so with travel protection, you do not incur any costs without an activated insurance day.
Do I have to switch on my smartphone every day during my trip?
No, after you have activated your phone abroad once, you will receive confirmation of the activation of the insurance cover after 3 hours. After that, you can also leave your mobile phone switched off until you return.
How do I pay for travel cover?
Payment for the insured days used is conveniently made via your three-call number.
How do I know if the travel protection is activated?
After you have connected to a foreign network once ("roaming") and have not logged back into the Austrian network within 3 hours, the insurance cover activates automatically and you will receive a notification from us by e-mail that your cover is active.
Do I have to consume mobile data to activate the insurance cover?
No consumption of mobile data ("data roaming") is necessary to activate travel protection. It is sufficient for your switched-on mobile phone to connect to the foreign network once.
Is a cancellation insurance included?
No, as the cover is only activated when you leave Austria and is only settled at this point, no cancellation insurance is included in our travel cover.
How can I cancel the travel cover?
The travel cover can be cancelled at any time and without giving reasons by sending an email to kundenservice@lamie-direkt.at. The cancellation will be carried out immediately on the next working day. If you wish to reactivate LAMIE travel cover at a later date, this is possible at any time.
How is the travel protection activated?
The prerequisite for using the travel protection is prior registration for the insurance programme with your Drei-Sprachtarif telephone number.
As soon as you log into a foreign network ("roaming"), the travel protection is activated. When you return to Austria and log on to the home network, your insurance will be deactivated. It is important that you take your mobile phone with you and switch it on once when crossing the border (or after landing in the case of air travel), otherwise, we will not recognise that you are abroad. Data roaming does not need to be activated at any time.
Do I have to announce my planned trips in advance?
The travel cover is a real-time insurance. You do not have to tell us in advance when, how long or where you are travelling. The cover applies from the moment your mobile phone connects to the foreign network or you return to your home network.
As a result, you do not pay unnecessary premiums if you do not start your trip or return home earlier than planned. But you also don't risk being abroad without insurance cover if you unexpectedly stay longer. Your travel cover gives you complete flexibility.
How does the family tariff work?
When taking out the family tariff, you have the option of additionally registering another adult and up to 3 children as insured persons. By children we mean your children and the children of your spouse, your registered partner or your life partner, provided they are under 18 years (this also includes foster children and adopted children).
The basic requirement for insurance cover is that these persons travel together with you, as your three-call number is the trigger for the insurance cover ("roaming").
Can I also use the travel cover if I am in a border region and my mobile phone often switches to the foreign network?
In order to be entitled to insurance cover, you must have dialled into a foreign network once and not returned to Austria within 3 hours. The insurance cover is only activated after 3 hours from logging into a foreign network ("roaming"). The constant switching between the home network and a foreign network, therefore, does not lead to activation.
Do I have to use travel protection for every trip?
No. If you wish, you can deactivate the travel protection individually at the beginning of each individual trip. By means of a confirmation e-mail that you receive from us after 3 hours of constant connection to the foreign network, you are offered the option of deactivating the protection for the respective trip via the link provided. In this case, the insurance cover is deactivated for the entire trip. After returning to Austria, the cover will be automatically reactivated in the same way for the next trip.
