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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.
You can use LHV cards to pay in Estonia, abroad, as well as online.
With LHV cards you can make convenient and fast contactless payments. You can also pay with an Apple Watch, Garmin or Fitbit smartwatch.
Cash withdrawals from LHV ATMs are free up to €2,000 per month. You can withdraw cash from ATMs of other banks both in Estonia and in Europe for only €1. A service fee of 0.3% of the amount is added to larger amounts. ATM locations
The number of the account tied to the card is located on the rear of the card
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.
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Microinvestment enables you to grow your investment portfolio without even noticing, investing up to 1 euro to your Growth Account with each debit card payment.
We will mail the card conveniently to your home.
Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.
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 provides 180 days of protection for durable goods that you have paid for with a Gold Card.
The insurance protects in various cases where an item has been broken, destroyed or stolen. For more information, please read the terms and conditions of insurance.
Purchase insurance is provided by LHV Kindlustus.
Insurance coverage
Validity 180 days
Deductible 30 euros
Sums insured
The sum insured is the purchase price of the insured objects, in the extent to which LHV indemnifies the damage caused due to an insured event.
Minimum purchase price 100 euros
Maximum purchase price 5,000 euros
Limit of indemnity
5,000 euros for each insured event
Up to 10,000 euros per year
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
Price list and terms and conditions
| Monthly fee | 7 € |
| Renewal, closing | Free of charge |
| Replacement | 5 € Replacement to a virtual card is free of charge |
| Cash withdrawals |
|
| Cash deposits | Up to €5,000 per month is free at the LHV ATM (+ 0.3% of the amount that exceeds €5,000 per month)2 |
| Conversion fee for transactions in foreign currencies | 1% of transaction amount |
| Information request from an ATM | Free of charge from LHV ATMs, from the ATMs of other Estonian banks 0.20 € |
1 The EEA includes 27 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.
2 The service fee applies on a customer basis, meaning it is independent of the number of accounts and cards (including additional cards).
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 Debit 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.
