LHV Premium debit card – insurance, convenience and special offers all on one card
The LHV Premium card is only valid for LHV Premium customers. Read more about Premium.
Travel insurance with broad coverage
Travel insurance with rental car comprehensive insurance for your whole family
Priority Pass
Access to VIP lounges at over 1700 airports worldwide
Fast Track
A service that gives you the opportunity to skip the airport security check line
Tallinn Airport LHV Lounge
Lounge visit at a discounted price of 30 euros for you and four of your companions
Purchase protection
Purchase insurance protects durable goods for 180 days after purchase
Cash withdrawal
Cash withdrawals from LHV ATMs are free
Travel insurance with rental car comprehensive insurance for your whole family
Travel insurance coverage is valid for trips up to 90 days worldwide. Sums insured apply separately for each insured person and insured event. Among other things, medical expenses, baggage losses, cancellation and curtailment and missing travel connections and rental car comprehensive insurance are all covered.
The travel insurance is offered by LHV Kindlustus. What does travel insurance cover?
Priority Pass for you and travel companions 35 USD
As a Premium card holder you will have access to more than 1700 airport VIP lounges around the world, no matter which airline or class you’re flying in.
- In the VIP lounge, you’ll enjoy services and comforts that are like an oasis from the bustle of the terminal
- Plan and manage your lounge visits using the Priority Pass app or on the website where you will find a selection of lounges and details of the services in each airport.
- An entrance fee of 35 USD is charged for you and your travel companions.
Be aware – the range of available services may be different in various airports.
Download the Priority Pass mobile app
Once you’ve downloaded the app,
- enter your Premium card number in the app when activating the digital membership card for the first time
- at the airport, present your digital membership card or LHV Premium card to the VIP lounge staff member. There’s no need for a separate Priority Pass plastic card
Fast Track is free for you, with a fee for others travelling with you
Fast Track is a service that gives you an opportunity to go through airport security in priority order.
- To use it, you will have to book your time through the Mastercard Travel Experiences Mobile app
- Fast Track access is free for cardholders
- An entry fee is charged for the cardholder’s travel companions, which varies by airport. Use the same app to get pricing information
- Through the same app, you’ll find reliable and secure transfer services from airports and enjoy special offers at participating restaurants
Be aware that the terms of service and offers can change.
Keep up to date with the latest information
Download the Mastercard Travel Experiences app or visit the website and set up a user account
Once you’ve created the account,
- make sure that you’ve enabled online purchases on your Premium card
- after logging in, choose the airport where you wish to use the service and specify the number of travellers and the time period
- if you’re travelling with companions, you pay for them with your LHV Premium card. The price will be displayed in the airport’s currency and it’s always a good idea to double-check it
- once you’ve paid for the service, you will receive a QR code via email or in-app. This is your access ticket
- present the e-ticket at the airport and pass through security using the Fast Track gate
Entry to Tallinn Airport’s LHV Lounge at a discount price of 30 euros – for you and four companions
Premium card holders and up to four companions can enjoy the comforts of the airport’s LHV Lounge at a discounted price of 30 euros per adult. Kids 12 and under are charged the discounted price as listed by the lounge. To be eligible for the discount, use the LHV Premium card to pay for the lounge access.
Purchase protection on durable goods
The purchase protection insurance included with the Premium card covers durable goods for 180 days after purchase, provided you paid for them with the card. Insurance helps you out if the item breaks, even if it’s your own fault.
The maximum sum insured under purchase protection is determined per insured item, insured event and calendar year. The deductible for each insured event is 30 euros. What does purchase protection insurance cover?
Cash withdrawals from LHV ATMs are free
- Cash withdrawal from LHV ATMs is free for up to €2000 a month. A service charge of + 0.3% of the amount is charged for larger sums.
- Withdrawals from other banks’ ATMs in Estonia, the UK and EEA countries – 1 euro per withdrawal for up to 2000 euros a month. A service charge of + 0.3% of the amount is charged for larger sums.
- In other foreign locations, cash withdrawals incur a fee of 2 euros + 2.5% of the amount.
What does purchace protection insurance cover?
Insurance coverage
Validity 180 days
Deductible 30 euros
Sums insured
The sum insured is the purchase price of the insured object, 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
What does travel insurance cover?
We recommend ordering a Premium card well before any travel as the card takes a week to be mailed and coverage begins when the plastic card is activated.
If you ordered a card in virtual form, note that the coverage on the virtual card will begin 72 hours after activation.
Travel insurance coverage is valid for trips up to 90 days worldwide. Family members travelling with you are also covered.
Medical expenses, baggage losses, cancellation and curtailment, unexpected change of travel plans and rental car deductibles are all covered.
The travel insurance is offered by AS LHV Kindlustus. Be sure to read through the terms and conditions of insurance included with the Premium card, since coverage exclusions are also set out there.
The table shows sums insured, limits of indemnity and deductible. These are the maximum amounts that LHV will compensate in the case of insured events per insured person on a single trip. If the actual losses are lower, that amount is used as the basis. Deductible is charged per insured event.
If you're planning to engage in higher-risk activities or sports while traveling, or wish to increase any of your insurance coverage limits, we recommend contacting LHV Insurance—this way, we can tailor the coverage to suit your specific needs.
| Insurance cover | Sum insured / limit of insurance | Deductible |
|---|---|---|
| Travel interruption insurance | ||
| Travel interruption sum insured | 2,000 euros | 50 euros |
| of which the limit of indemnity for event tickets if the trip is cancelled | 150 euros | |
| of which purchases of essential items if a public transport connection is delayed | 200 euros / 300 euros | 4 hours / 24 hours |
| Medical insurance | ||
| Sum insured for medical care | 750,000 euros | |
| of which the limit of indemnity for dental care | 500 euros | |
| of which the limit of indemnity for medical assistive devices | 200 euros | |
| Baggage insurance | ||
| Sum insured for baggage insurance | 1,000 euros | 50 euros |
| of which the limit of indemnity for smart devices and video equipment | 1,000 euros | 200 euros |
| of which the limit of indemnity for delayed baggage | 500 euros | up to 4 hours |
| of which the limit of indemnity for replacement documents | 200 euros | |
| Accident insurance | ||
| Permanent disability | up to 50,000 euros | |
| Death (person older than 16 years of age) | 50,000 euros | |
| Death (person 16 and under) | 2,000 euros | |
| Liability insurance | ||
| Sum insured for liability insurance | 100,000 euros | |
| of which the limit of indemnity for losses incurred to sports gear, premises, apartment or building in possession or use of the insured | 2,000 euros | |
| Legal assistance costs | ||
| Sum insured for legal assistance | 10,000 euros | |
| Limit of indemnity for posting bond | 5,000 euros | |
| Rental car insurance | ||
| Sum insured for rental car insurance, rental car deductible insurance (LDW) included | 20,000 euros |
Become an LHV Premium client and enjoy the best conditions and extraordinary conveniences
LHV Premium credit card – flexibility, security and discounts all on one card
The LHV Premium card is only valid for LHV Premium customers. Read more about Premium.
Price list and terms and conditions
| Monthly fee | To start using the card, set up a Premium customer agreement. The monthly fee is 20 euros |
| Renewal, closing | Free |
| Card replacement | €5 |
| Cash withdrawals with a Premium debit card |
|
| Cash deposit with the Premium debit card | Up to €5000 a month can be withdrawn from LHV ATMs free (+ 0.3% of amounts over €5000 a month)(2) |
| Conversion fee for transactions conducted in a foreign currency | 1% of the transaction amount |
| Querying information from an ATM | Free from LHV ATMs, €0.20 from other banks’ ATMs in Estonia |
| Requirements for applicants | Must be LHV Premium client to use card |
(1) The European Economic Area is 27 EU members and 3 EFTA countries: Iceland, Norway and Liechtenstein.
(2) The service fee is individual to each client, i.e. not dependent on the number of accounts and cards (including additional cards).
Travel and purchase protection insurance is offered by LHV Kindlustus. The policyholder is LHV Pank AS. Read about the terms and conditions of insurance and ask our experts for advice.
We recommend ordering a Premium card well before any travel as the card takes a week to be mailed and coverage begins when the plastic card is activated.
If you ordered a card in virtual form, note that the coverage on the virtual card will begin 72 hours after activation.
Travel insurance coverage is valid for trips up to 90 days worldwide. Family members travelling with you are also covered.
Medical expenses, baggage losses, cancellation and curtailment, unexpected change of travel plans and rental car deductibles are all covered.
The travel insurance is offered by AS LHV Kindlustus. Be sure to read through the terms and conditions of insurance included with the Premium card, since coverage exclusions are also set out there.
The table shows sums insured, limits of indemnity and deductible. These are the maximum amounts that LHV will compensate in the case of insured events per insured person on a single trip. If the actual losses are lower, that amount is used as the basis. Deductible is charged per insured event.
If you're planning to engage in higher-risk activities or sports while traveling, or wish to increase any of your insurance coverage limits, we recommend contacting LHV Insurance—this way, we can tailor the coverage to suit your specific needs.
| Insurance cover | Sum insured / limit of insurance | Deductible |
|---|---|---|
| Travel interruption insurance | ||
| Travel interruption sum insured | 2,000 euros | 50 euros |
| of which the limit of indemnity for event tickets if the trip is cancelled | 150 euros | |
| of which purchases of essential items if a public transport connection is delayed | 200 euros / 300 euros | 4 hours / 24 hours |
| Medical insurance | ||
| Sum insured for medical care | 750,000 euros | |
| of which the limit of indemnity for dental care | 500 euros | |
| of which the limit of indemnity for medical assistive devices | 200 euros | |
| Baggage insurance | ||
| Sum insured for baggage insurance | 1,000 euros | 50 euros |
| of which the limit of indemnity for smart devices and video equipment | 1,000 euros | 200 euros |
| of which the limit of indemnity for delayed baggage | 500 euros | up to 4 hours |
| of which the limit of indemnity for replacement documents | 200 euros | |
| Accident insurance | ||
| Permanent disability | up to 50,000 euros | |
| Death (person older than 16 years of age) | 50,000 euros | |
| Death (person 16 and under) | 2,000 euros | |
| Liability insurance | ||
| Sum insured for liability insurance | 100,000 euros | |
| of which the limit of indemnity for losses incurred to sports gear, premises, apartment or building in possession or use of the insured | 2,000 euros | |
| Legal assistance costs | ||
| Sum insured for legal assistance | 10,000 euros | |
| Limit of indemnity for posting bond | 5,000 euros | |
| Rental car insurance | ||
| Sum insured for rental car insurance, rental car deductible insurance (LDW) included | 20,000 euros |
Insurance coverage
Validity 180 days
Deductible 30 euros
Sums insured
The sum insured is the purchase price of the insured object, 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 given to you by the LHV claims assistance specialist.
Submit the travel insurance or purchase protection claim notice.
Claims handling and traveller’s assistance
Tel +372 680 1122 (24/7)
kahjud@lhv.ee
Customer support
Tel +372 699 9111 (Mon-Fri 9-17)
kindlustus@lhv.ee
FAQ
- How can I become a holder of an LHV bank card?
- How quickly can I get my card?
- How do I change my bank card usage limits?
- What options do Apple Pay and Google Pay payment methods offer?
- Which LHV bank cards can be ordered as virtual card?
- I do not know my card's PIN code. How can I retrieve it?
- Can a representative of LHV Pank ask for my PIN codes or card details via email or phone call?
- I have lost my card. What do I do now?
- What kinds of travel insurance does LHV offer?
- When will the travel insurance on my bank card come into effect?
Comparison of LHV debit cards
No service fee charged on cash withdrawals from LHV ATMs
No service fee charged on cash withdrawals from any ATM in Estonia or the rest of Europe
Cash deposits at LHV ATMs
Conversion fee for transactions executed in a currency other than the euro
Option of ordering bank card as virtual card
Purchase insurance
Partner offers
Travel
Travel insurance for the whole family
including rental car comprehensive insurance
including rental car deductible insurance
Insured person
Sums insured
Medical care
Accident insurance
Luggage insurance
Change in travel plan
including a change in travel plan in the event of a strike or natural disaster
Liability insurance
Legal assistance
Rental car deductible insurance
Rental car comprehensive insurance
Insurance coverage valid
Insurance coverage activates
Access to Priority Lounges at airports
Fast Track
Access to the LHV Lounge at Tallinn Airport
up to 2000 € a month free of charge
up to 5000 € a month free of charge
1%
worldwide for trips up to 90 days
upon activation of bank card
up to 2000 € a month free of charge
up to 5000 € a month free of charge
1%
family members travelling together
750 000 € per family member
50 000 € per family member
1200 € whole family
2500 € whole family
100 000 € whole family
10 000 € whole family
up to 2000 €
worldwide for trips up to 90 days
upon activation of bank card
discounted
up to 2000 € a month free of charge
up to 5000 € a month free of charge
1%
family members travelling together
750 000 € per family member
50 000 € per family member
1000 € per family member
2000 € per family member
100 000 € per family member
10 000 € per family member
up to 20 000 €
worldwide for trips up to 90 days
upon activation of bank card
discounted
free
discounted