EKTA

EKTA sells travel medical insurance priced by the day, and the first decision it asks of you is not which plan but whether you have read the deductible line. The three tariffs differ on more than the size of the cover: the entry plan is described as carrying a 25 percent deductible, meaning a share of any claim stays with you, while the two above it are described as having none. On a trip where the thing you are insuring against is a large medical bill rather than a small inconvenience, that one line matters more than the difference in daily price. Everything below is what EKTA publishes; the policy document you receive is what governs an actual claim.

The three tariffs

Start is listed at 0.99 to 1.37 US dollars a day, Gold at 1.75 to 2.40, and Max+ at 5.90 to 8.08, all checked August 2026. Those are ranges rather than fixed prices, reflecting the variables an insurer prices on. Start carries the 25 percent deductible; Gold and Max+ are described as no deductible. EKTA states the cover is valid in any country in the world, is available for travellers of any age from 0 to 100, and has a minimum policy length of two days.

Reading the ladder correctly means comparing the daily step against what the deductible would cost you in the scenario you are actually worried about. On a two-week trip the gap between Start and Gold is a small daily figure; a 25 percent share of a hospital bill is not. That is the calculation, and it is the reason the cheapest line is not automatically the right one.

What every tariff includes

Across all three EKTA lists medical care, calling out a doctor, examination and doctor consultation, emergency dental care, treatment for exacerbation of chronic diseases, outpatient treatment and inpatient treatment. Medical transport appears in every tariff as transportation by medical aviation and medical evacuation to the country of residence. That pair is the item worth checking in any travel policy, because it is the cost that is genuinely unaffordable out of pocket. COVID-19 treatment is included but stated as limited to 10 percent of the coverage amount.

Outside medical, all plans list flight delays of four hours or more, baggage loss, loss of documents, legal assistance and third-party liability. Inpatient treatment is listed as continuing for 15 days after the policy period ends, which covers the awkward case of being admitted a day before your return flight.

Activity is where travel policies most often decline to pay, and EKTA splits it into four categories: quiet rest, active rest, extreme sports and professional sports. Extreme vacation and sports options are attached to the Gold and Max+ tariffs, and EKTA notes that additional fees may apply. If the trip involves diving, skiing, climbing or anything you would describe as a sport rather than a walk, the category you select is what determines whether the activity sits inside the cover at all. This is a thing to settle at purchase, in the policy wording, rather than discover at a clinic.

Specialised policies and how claims are handled

Alongside the three standard tariffs, EKTA offers policies aimed at particular situations: visa and Schengen applications, annual multi-trip cover, groups, travellers aged 60 and over, business travel, students and cruises. The visa and Schengen variants exist because a consulate asks for proof of cover meeting specific requirements, which is a documentation problem as much as a risk one, and a general plan does not always satisfy it.

Claims run one of two ways. EKTA states costs are either paid directly to the medical provider or reimbursed to you after you submit the necessary documents. Direct settlement is the outcome worth wanting, because it avoids fronting a foreign hospital bill and then chasing it; which route applies depends on the provider and the circumstances. Policies are issued within 60 seconds by email and do not need to be printed, which matters when a visa appointment or a departure is imminent.

Who it fits

EKTA suits a traveller buying cover for a defined trip who wants medical evacuation included as standard and wants to choose consciously between a cheaper tariff with a deductible and a dearer one without. The specialised variants make it a reasonable first stop for visa paperwork, cruises and older travellers, where general policies often stop. It fits less well for someone travelling constantly, where an annual or subscription policy replaces the repeated purchase, and it is not the right shopping approach for anyone who has not read which sport category their trip falls into.

Choose the tariff by the deductible, not the headline

EKTA sells day-priced travel medical cover in three tariffs: Start at 0.99 to 1.37 US dollars a day, Gold at 1.75 to 2.40, and Max+ at 5.90 to 8.08, checked August 2026. The line that should drive the choice is the deductible. Start is described as carrying a 25 percent deductible, so a share of a covered claim stays with you; Gold and Max+ are described as having none. Over a two-week trip the price step between them is small in absolute terms, and the share of a hospital bill it removes is not.

What is in every tariff

All three list medical care, doctor call-out and consultation, emergency dental care, exacerbation of chronic conditions, and both outpatient and inpatient treatment. All three also include transportation by medical aviation and medical evacuation to the country of residence, which is the genuinely unaffordable item in a medical emergency abroad. Outside medical, all plans list flight delays of four hours or more, baggage loss, loss of documents, legal assistance and third-party liability, and inpatient treatment continues for 15 days past the policy end. Cover is stated as valid in any country in the world, for ages 0 to 100, from a two-day minimum, with the policy issued by email in 60 seconds.

Where it goes beyond the standard plans

EKTA also issues policies aimed at specific situations that general insurers often handle poorly: visa and Schengen applications, annual multi-trip, groups, travellers aged 60 and over, business, students and cruises. Sport is split into quiet rest, active rest, extreme and professional categories, with extreme and sports options attached to Gold and Max+ and additional fees possible.

Who should look at something else

If you travel constantly rather than in defined trips, an annual policy or a nomad-oriented subscription such as SafetyWing replaces the repeated day-priced purchase and usually costs less overall. If pandemic-related medical cost is your central concern, note that EKTA limits COVID-19 treatment to 10 percent of the coverage amount and compare policies that treat it under the main limit. And whichever you buy, the published figures here are the summary; the policy wording you receive is what decides a claim, so read the limits and the sport category for your own trip before you travel.