Generali Versicherung AG
Europäische Reiseversicherung
Europäische Reiseversicherung is a travel insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
Once the insurer's 24-hour emergency hotline is contacted, the insurer organizes necessary measures (hospital transport, treatment, repatriation, repatriation of remains) and pays the required costs directly to the service provider (e.g. the hospital). If costs for outpatient or inpatient treatment were paid by the insured person and a claim could have been made against a social or private health insurer, that claim must be filed first; failure to do so reduces the insurer's reimbursement by 20%.
Geographic scope
Selectable tariff: "Europe" or "Worldwide"
The "Europe" tariff covers Europe in the geographical sense, all Mediterranean riparian states and islands, Jordan, Madeira, the Azores and the Canary Islands, excluding Syria and Crimea. The "Worldwide" tariff covers the whole world except North Korea, Syria, Venezuela, Crimea and Iran. Medical benefits apply only abroad; the country of the insured person's main residence counts as domestic.
Unique selling points
- Medical treatment abroad is covered up to €1,000,000, well above typical minimum travel-medical limits.
- Instant online policy issuance: the policy and full product information are available for download immediately after completing the online purchase.
- 24-hour emergency hotline included as standard, arranging treatment, hospital cost guarantees and repatriation directly with providers.
- Baggage is replaced at new value (not depreciated value) for items up to 2 years old, unlike many competitors' time-value-only policies.
- Bundles search-and-rescue cover up to €80,000 as a standard included benefit rather than a separate add-on.
Coverage limits
Medical expenses abroad
€1,000,000
Covers the costs of outpatient and inpatient medical treatment during an insured trip abroad due to acute illness or accident, up to a combined sum of €1,000,000.
Emergency medical treatment
€1,000,000
An insured event is an unexpected, acutely occurring illness, accident-related injury or death of the insured person during a trip abroad; treatment costs are reimbursed within the shared €1,000,000 medical sum.
Inpatient hospital treatment
€1,000,000
Inpatient hospital treatment abroad including prescribed medicines is covered; this shares the same €1,000,000 aggregate limit as outpatient treatment, not a separate sub-limit.
Outpatient treatment
€1,000,000
Outpatient medical treatment abroad, including prescribed medicines, shares the same €1,000,000 aggregate limit with inpatient treatment.
Pain-relief dental treatment
Covered
Pain-relief dental treatment, including simple dental fillings, is covered as part of outpatient treatment abroad within the shared €1,000,000 medical sum; no separate sub-limit is stated.
Transport to hospital / transfer transport
Covered
The insurer organizes and pays for transport to the nearest hospital and any medically necessary transfer transport; no separate cap is stated beyond the overall medical sum.
Medically necessary repatriation
Covered
The insurer organizes and pays for repatriation to the country of residence when medically necessary, including by air ambulance, with medically adequate transport and doctor escort if required.
Repatriation of remains / burial abroad
Covered
In the event of death, the insurer covers repatriation of the deceased in standard form to the country of residence, or alternatively the costs of burial at the place of the incident up to the equivalent cost of a standard repatriation.
Search and rescue costs
€80,000
In the event of an accident, mountain or sea distress, search and rescue costs are reimbursed up to €80,000.
COVID-19 treatment
No limit stated
The KomplettSchutz IPID and its 2021 terms define the insured event only as an unexpectedly, acutely occurring illness, accident-related injury or death; COVID-19 or other epidemic/pandemic illness is not separately named or excluded.
Pre-existing conditions (unexpected acute deterioration)
€500,000
A medical condition or accident sequela that already existed before the trip is covered only if it unexpectedly becomes acute during the trip and is not otherwise excluded; the maximum aggregate benefit for such events is €500,000.
Winter sports cover
No limit stated
Recreational winter sports are not separately named as a covered or excluded activity in the KomplettSchutz sources; only professional sport, motor sport and official competitions are explicitly excluded.
Adventure sports (diving, mountaineering)
Conditional
Diving is covered only with a valid international certification for the relevant depth and only down to a maximum of 40 metres; mountaineering/altitude cover is limited to a maximum altitude of 6,000 metres. Professional sport, extreme sport, motor sport and official competitions are excluded.
Pregnancy complications / premature birth
Conditional
Unexpected severe pregnancy complications and premature births are covered up to and including the 35th week of pregnancy, within the overall medical sum; terminations of pregnancy and complications occurring after the 35th week are excluded.
Private travel liability
€500,000
Covers, as a lump sum, the settlement of justified claims or the defence against unjustified claims for bodily injury and property damage caused by the insured person as a private individual during the trip, up to €500,000; within this, damage to rented accommodation (including inventory) is limited to €25,000.
Legal assistance (detention abroad)
No limit stated
The KomplettSchutz Information Sheet (IPID) does not list a "Help with detention or threat of detention abroad" benefit section, unlike the separate ReiseSchutz product; no lawyer/interpreter advance is documented for KomplettSchutz.
24-hour emergency assistance
Covered
A 24-hour emergency hotline is included; for hospitalization, transfer transport, repatriation and repatriation of remains, the insurer organizes the necessary measures once contacted and pays costs directly to the service provider.
Key conditions
Assistance call deadline
If inpatient, day-clinic or repeated outpatient treatment, repatriation, repatriation of remains or burial at the place of the incident becomes necessary, the insurer's 24-hour emergency hotline must be contacted as soon as possible to obtain any instructions from the insurer.
Unauthorized treatment
Failing to contact the 24-hour emergency hotline before required hospitalization, transfer transport or repatriation is a breach of a policy duty; under §6(3) of the Austrian Insurance Contract Act (VersVG) this can reduce or, in cases of intent or gross negligence, eliminate the insurer's obligation to pay, in proportion to how the breach affected the claim.
Purchase while abroad
The insurance must be concluded before the trip begins; taking out cover after departure is only possible with a special agreement with the insurer.
Chronic conditions
A chronic illness or accident sequela already present at the start of the trip is covered only if it unexpectedly becomes acute and is not otherwise excluded; total benefits for such pre-existing conditions are capped at €500,000.
Pregnancy
Unexpected severe pregnancy complications and premature births are covered up to and including the 35th week of pregnancy; the pregnancy itself is only insurable for cancellation purposes if the policy was concluded within 3 days of booking the trip.
Pre-existing condition exclusions
Pre-existing medical conditions or accident sequelae are covered only for unexpected, acute deterioration during the trip, subject to a combined maximum benefit of €500,000 across all such events.
Coverage duration limit
The KomplettSchutz policy covers a single trip with a maximum trip duration of 31 days.
Where to buy
Policy specifics
Medical treatment abroad
Coverage for ambulatory and inpatient treatment costs during travel abroad, including emergency repatriation
SourceTrip cancellation protection
Coverage for cancellation costs if travel must be abandoned before departure due to unexpected illness, accident or death
SourceLuggage and baggage protection
Coverage for loss, theft or damage to luggage during travel with replacement at new value
SourceTravel liability insurance
Coverage for personal liability for bodily injury and property damage caused to third parties during travel
SourceMaximum travel duration per trip
Coverage is limited to maximum days per single trip; can be extended with optional add-on package
SourceGeographic coverage options
Coverage available for 'Europe' regional scope or 'Worldwide' scope with specific exclusions
SourcePrior notification for medical emergencies
In case of hospitalization or medical repatriation, policyholder must contact 24-hour emergency center before treatment
SourceClaim notification deadline
Policyholder must notify insurer of insured event as soon as possible after becoming aware of it
SourceClaims handled by Europ Assistance in Austria
Medical insurance claims for this product are processed by Europ Assistance, the 24-hour assistance partner
SourcePre-existing medical condition handling
Coverage restrictions apply for medical conditions that existed before insurance purchase or booking
SourceOrdinary residence requirement
Policyholder must have ordinary residence in Austria or South Tyrol to be eligible
Source