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The travel insurance is valid anywhere in the world for trips lasting up to 90 days. The insurance covers, for example, medical assistance, damage to baggage, cancellation or interruption of the trip and missed departures, as well as the rental car deductible. The insurance extends to the cardholder and their accompanying spouse/partner, underage children, and grandchildren. Travel insurance is provided by the AS LHV Kindlustus. What does the travel insurance cover?
The purchase insurance included with the Gold Card provides 180 days of protection for durable goods that you have paid for with a Gold Card. The insurance protects against unexpected breakage, even if the incident was your own fault. There is a maximum sum insured for every insured object, insured event and calendar year. The deductible for each insured event is 30 euros. What does the purchase insurance cover?
The holder of a Gold Debit Card and up to four companions can enjoy the amenities of the Airport LHV Lounge for a discounted price of 30 euros per adult. To receive the discount, payment for entry must be made with the corresponding LHV card.
An interest-free period of up to 40 days. The interest-free period does not apply to cash transactions.
With LHV cards you can make convenient and fast contactless payments. You can also pay with an Apple Watch, Garmin or Fitbit smartwatch.
Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.
Read more
It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you.
Change the repayment sum
We will mail the card conveniently to your home.
To ensure security and raise the feeling of confidence when making payments on the Internet, LHV has added a new security feature to its bank cards. After entering card data and the confirmation code, you must log in to the LHV internet bank as an additional form of identification, or use the security code sent to your mobile phone via SMS.
Read more
The travel insurance coverage is valid up for trips up to 90 days anywhere in the world. Family members travelling with you are also insured.
We recommend that you order the Gold Card in good time before the trip, as it can take up to a week for the card to arrive in the post and the insurance coverage will only take effect upon activation of the plastic card. If you ordered the virtual card, be sure to note that with virtual cards, the insurance coverage will take effect 72 hours after activation.
The insurance covers, for example, medical care, baggage losses, travel cancellation and interruption and delayed departure. Rental car excess insurance is also included.
This travel insurance is provided by LHV Kindlustus. Be sure to read the Terms and conditions of Gold Card insurance for what is covered and excluded.
The sums insured and indemnity limits apply per card, except for the sum insured of the medical assistance insurance and accident insurance, which apply per each insured person.
| Insurance cover | Sum insured/limit of insurance | Deductible |
|---|---|---|
| Travel interruption insurance | ||
| Insured sum for travel interruption insurance | € 2500 whole family | € 50 |
| incl. the compensation limit for event tickets in the case of trip cancellation | € 150 | |
| incl. the purchase of essential items in the event of a public transport delay | € 200/€ 300 | 4 hours/24 hours |
| Medical assistance insurance | ||
| Insured sum for medical assistance insurance | € 750,000 | |
| incl. the limit for insurance for dental treatment | € 500 | |
| incl. the limit for insurance for reimbursement of a medical device | € 200 | |
| Baggage cover | ||
| Insured sum for luggage insurance | € 1200 whole family | € 50 |
| incl. the compensation limit for smart and video equipment | € 1,000 | € 200 |
| incl. the luggage delay compensation limit | € 500 | up to 4 hours |
| incl. the reimbursement limit for the replacement of documents | € 200 | |
| Accident insurance | ||
| In the case of a permanent disability | Sum of up to € 50,000 | |
| In the case of death (person over 16 years of age) | € 50,000 | |
| In the case of death (person less than 16 years of age) | € 2,000 | |
| Liability cover | ||
| Sum insured for liability insurance | € 100,000 whole family | |
| incl. in the case of damage to sports equipment, premises, apartments or buildings in the possession or use of the Insured Person | € 2,000 | |
| Legal costs | ||
| Sum insured for legal expenses | € 10,000 whole family | |
| Limit of insurance for security | € 5,000 | |
| Rental car excess insurance | ||
| Insured sum for rental car excess insurance | up to € 2000 |
The purchase insurance included with the Gold Card covers durable goods for which you have paid using your Gold Card, for a period of 180 days after the purchase. The insurance cover helps in different instances, if the object is broken, has been destroyed or stolen. Read more about the Terms and Conditions of Insurance. Purchase Insurance is offered by LHV Kindlustus.
Sums insured
In the case of purchase insurance the maximum insured amount is specified for each insured object, insured event and calendar year.
Cover
Minimum purchase value 100 €
Maximum purchase value and indemnity for a single claim 5,000 €
Maximum compensation per year for a single card holder 10,000 €.
Validity 180 days
Deductible 30 €
Notify us of the loss event as soon as possible and follow the instructions of the LHV loss assistance specialist.
In the case of a loss event, please fill in the travel insurance or purchase insurance damage notice form.
Claims and travel assistance
Tel (+372) 680 1122 (24/7)
kahjud@lhv.ee
Customer support
Tel (+372) 699 9111 (Mon–Fri 9 am–5 pm),
kindlustus@lhv.ee
| Monthly fee | 7 € |
| Interest | From 16% The final interest depends of the client’s credit capacity. Interest free period of 40 days for payments, none for cash1 |
| Credit limit | From 1,000 € and up to 2 months’ net income |
| Repayment of credit used | It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you. The selected option can be changed in the internet bank. |
| Payment Date | 10th |
| Renewal, closing | Free of charge |
| Replacement | 5 € Replacement to a virtual card is free of charge |
| Conversion fee for transactions in foreign currencies | 1% of transaction amount |
| Cash withdrawals | Cash withdrawals from ATMs of all banks in Estonia, the United Kingdom and the European Economic Area contracting states up to 500 euros per month without a service fee (a service fee of 2 € + 2.5% applies to amounts over 500 euros). |
| Payment from the credit account to the current account | 2 € + 2.5% of the sum 2 |
| Information request from an ATM |
|
| Applicant requirements | An adult Estonian citizen or a person with a residence permit whose residence permit is valid at least until the expiry date of the card. |
1 An interest-free period is not applied for the credit limit withdrawn as cash from the credit account or transferred to the current account.
2 If the transaction from the credit account to the current account is concluded in the Client Office, a transaction fee of 2 € is added. No service fee will be applied to funds exceeding the credit limit – for example, if your limit is 500 €, but there is 600 € on your credit account, then fees will not be assessed for transferring 100 €.
Always consider your credit decisions carefully and consult our specialist. The annual percentage rate of charge of the Gold Credit Card is 15.34% on the following sample conditions: limit 1,000 €, annual interest 18% (fixed), interest-free period of 36 days, repayment sum is 1,081.42 €, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.
Travel and Purchase Insurance is offered by LHV Kindlustus. The policyholder is LHV Pank AS. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist.
To receive the discount, select Gold Credit Card as the payment method in the Bolt Food app (the discount does not apply to Apple Pay and Google Pay payments). You'll only get a discount if you see the LHV banner in the restaurant/store view. The maximum discount is 5 euros. The discount is applied to the restaurant menu or store shopping cart (excluding alcohol). The minimum order amount is €8.
To receive the discount, select Gold Card as your payment method in the Bolt app (the discount does not apply to Apple Pay and Google Pay payments). The discount is valid only for scooter rides and is applied automatically.
