Travel insurance — Croatia

[1] Medical expenses: Covered ↩

Reimburses costs of urgent, medically necessary treatment abroad due to sudden illness or accident (ambulatory treatment, medicines, medical aids, diagnostics, hospital treatment, surgery, home doctor visits, etc.), up to the sum insured stated on the policy.

Osiguratelj će nadoknaditi osiguraniku troškove nastale uslijed hitnog neophodnog medicinskog tretmana za vrijeme puta i boravka u inozemstvu, najviše do iznosa osiguranja, za:

[2] Medical transport: Covered ↩

Covers transport by recognised sanitary transport, taxi or public transport to the nearest surgery/hospital or nearest available doctor for the purpose of medical treatment, including the cost of air ambulance transport, up to the sum insured stated on the policy.

troškovi prijevoza od strane priznatih uslužnih servisa za sanitetski prijevoz odnosno taxi-prijevoz ili javni prijevoz u svrhu medicinskog tretmana do najbliže ambulante odnosno bolnice ili do najbližeg raspoloživog liječnika, uključivo i trošak za zračni sanitetski prijevoz

[3] COVID-19 treatment: Excluded ↩

General exclusions apply to any insured event caused by epidemics, pandemics or natural disasters that were known before the start of the trip; the IPID likewise lists pandemics among the general exclusions of the package.

potresa, epidemija, pandemija, zagađenja, uslijed prirodnih katastrofa koje su bile poznate prije početka putovanja

[4] Personal liability: Optional ↩

Available as a separately-contracted module of the travel package, covering non-contractual civil liability for damage due to death, bodily injury or property damage caused to a third party during travel abroad. Valid worldwide except in the Republic of Croatia; per the product page, it can be contracted for all countries except Croatia, Canada and the USA. The sum insured is the per-event limit; if no aggregate limit is stated on the policy, it equals twice the per-event sum insured.

Osiguranjem je pokrivena građanskopravna izvanugovorna odgovornost osiguranika i osoba za koje on po zakonu odgovara (suosigurane osobe), za štetu zbog smrti, povrede tijela ili zdravlja treće osobe te oštećenja ili uništenja stvari treće osobe tijekom puta i boravka u inozemstvu

[5] Emergency dental: €200 ↩

Dental treatment, including tooth extraction, is covered only for the purpose of relieving acute toothache, up to 200 EUR per insured person per insured event.

stomatološki tretman, uključivo vađenje zuba, ali samo u svrhu oslobađanja od akutne zubobolje - do 200 EUR po osiguraniku i osiguranom slučaju

[6] Search & rescue: See details ↩

Search and rescue costs are not addressed as a distinct benefit in the T&C or IPID for this product.

[7] Legal assistance: Optional ↩

Provided as part of the optional private liability module: the insurer investigates the insured's liability, conducts the defence against unfounded or excessive third-party claims, and covers court costs within the limits of the sum insured; costs of criminal proceedings and out-of-court representation are not reimbursed.

Obveza osiguratelja na pružanju pravne zaštite obuhvaća: ispitivanje odgovornosti osiguranika za nastalu štetu; vođenje spora u ime osiguranika ako oštećeni ostvaruje pravo na naknadu štete u parničnom postupku

[8] Emergency medical treatment: Covered ↩

Covers urgent and necessary medical treatment required as a consequence of sudden illness or accident occurring during travel and stay abroad, up to the sum insured stated on the policy.

Osiguratelj pruža osigurateljno pokriće za slučaj hitnog neophodnog medicinskog tretmana koji je potreban kao posljedica iznenadne bolesti osiguranika za vrijeme puta i boravka u inozemstvu ili je potreban zbog posljedica nesretnog slučaja (nezgode) u tom razdoblju.

[9] Hospitalization: Covered ↩

Covers hospital treatment in an establishment generally recognised as a hospital in the country of stay, under permanent medical supervision, up to the sum insured stated on the policy; the nearest suitable hospital to the insured's location is used.

bolničko liječenje u ustanovi koja se općenito u toj inozemnoj zemlji boravka osiguranika smatra bolnicom i koja je pod stalnim nadzorom liječnika... U slučaju nastanka osiguranog slučaja koristit će se bolnica u mjestu trenutnog boravka osiguranika ili najbliža prikladna bolnica

[10] Outpatient treatment: Covered ↩

Covers ambulatory treatment and medical treatments in a day hospital, up to the sum insured stated on the policy.

ambulantno liječenje i medicinske tretmane u dnevnoj bolnici

[11] Medical evacuation: Covered ↩

Covers repatriation (including by air), organised by the insurer's assistance, from abroad to the insured's place of residence or to the nearest hospital in Croatia to continue treatment, as soon as medically permitted, particularly if hospitalisation abroad could exceed 5 days or adequate treatment cannot be secured abroad; covered up to the sum insured stated on the policy.

repatrijacije (uključivo zračne) u organizaciji asistencije osiguratelja iz inozemstva do osiguranikovog mjesta prebivališta odnosno boravka ili najbliže bolnice u Republici Hrvatskoj u cilju nastavka liječenja, čim to bude medicinski dopušteno, a naročito ako se predviđa da bi boravak u bolnici mogao trajati duže od 5 dana

[12] Repatriation of remains: €5,000 ↩

In the event of the insured's death abroad, the insurer reimburses, up to the amount of actual costs and maximum 5,000 EUR, either the transport of the insured's remains to their place of residence in Croatia or burial at the place of death abroad.

Osiguratelj će nadoknaditi u slučaju smrti osiguranika tijekom puta i boravka u inozemstvu u visini stvarnih troškova, a najviše do 5.000 EUR: prijevoz posmrtnih ostataka osiguranika u mjesto gdje je imao prebivalište odnosno boravište u Republici Hrvatskoj ili sahranu u mjestu smrti u inozemstvu.

[13] Pre existing conditions: Conditional ↩

The insurer is not liable for chronic diseases and their consequences that existed, were known, or should have been known to the insured at the time of concluding the policy (whether treated or not), nor for diseases treated by the insured in the 6 months preceding the start of insurance or of the individual trip under an annual policy. Regardless of these exclusions, the insurer will reimburse medical treatment in any life-threatening situation, i.e. a situation in which it can be established that the insured would have lost their life without medical intervention or treatment.

Bez obzira na prethodno navedena isključenja, osiguratelj će nadoknaditi medicinski tretman osiguranoj osobi u bilo kojoj situaciji smrtne opasnosti. Situacijom smrtne opasnosti smatra se situacija u kojoj se može utvrditi da bi osiguranik izgubio život da nije bilo medicinske intervencije odnosno medicinskog tretmana.

[14] Winter sports cover: Conditional ↩

Skiing and snowboarding are covered only when practised on marked/groomed ski runs; skiing/snowboarding off marked pistes and ski jumping are excluded. Separately, if hospitalisation or immobilisation (cast) lasting 3 or more days prevents use of a purchased ski-pass, the insurer reimburses the unused ski-pass cost up to 30 EUR per day, up to 10 days.

Skijanje i snowboard se smatraju isključenima samo ako se skija/snowborda izvan uređenih staza skijališta

[15] Adventure sports cover: Excluded ↩

Excluded activities include speleology, alpinism, ice climbing, any activity above 6,000 m altitude, whitewater sports, rafting, kitesurfing, ski jumping, diving/spearfishing without certification, and training or competing in car/karting/motorcycle racing. Participation in sports competitions or training as an amateur/professional athlete can be separately added to the policy against an increased premium (Art. 17.1.11).

speleologije, alpinizma, ice climbinga, bilo kakvih aktivnosti iznad 6.000 m nadmorske visine, sportskih aktivnosti u brzim vodama, raftinga, kitesurfinga i skijaških skokova

[16] Pregnancy complications: Conditional ↩

Costs of pregnancy check-ups, typical pregnancy complaints, childbirth and pregnancy termination are excluded, except when the medical intervention is necessary to save the life of the mother or child, provided the pregnant insured is under 38 years of age and has not passed the 30th week of pregnancy.

za troškove glede trudnoće i to pregleda u tijeku trudnoće ili tipičnih pritužbi u tijeku trudnoće ili rođenja djeteta... osim u slučaju spašavanja života majke odnosno djeteta, pod uvjetom da je trudnica mlađa od 38 godina i da nije prošao 30. tjedan trudnoće

[17] Medical expenses: Covered ↩

Base coverage of the package, including costs for emergency and necessary medical services. The sum insured is chosen by the customer according to needs and destination.

putno zdravstveno osiguranje (koje uključuje pokriće troškova za hitne i nužne medicinske usluge) - osnovno pokriće

[18] Medical transport: Covered ↩

Covers transport costs to the nearest hospital or medical facility in case of illness or injury.

preuzeti troškove (za liječenje, lijekove, operacije, prijevoz u najbližu bolnicu..)

[19] COVID-19 treatment: Conditional ↩

Damages or costs caused by epidemics are excluded if the epidemic was already known before departure; if unknown at the time of contracting/departure, resulting medical treatment costs are covered under the standard emergency medical benefit.

sve štete ili troškove uzrokovane epidemijama, zagađenjem ili prirodnim katastrofama koje su bile poznate prije polaska na put;

[20] Personal liability: Optional ↩

Optional supplementary cover for non-contractual liability for damages due to death, bodily injury, health impairment, or damage/destruction of third-party property; sum insured is chosen by the customer, with a 100 EUR deductible per claim. Only available with single-trip policies, not with the annual travel policy.

osiguranje od odgovornosti (pokriva izvanugovornu odgovornost za štete zbog smrti, ozljede tijela, narušenja zdravlja, oštećenja ili uništenja stvari treće osobe) - dopunsko pokriće

[21] Emergency dental: Covered ↩

Vaccination and dental costs are excluded, except for emergency dental intervention to relieve acute toothache, which is covered.

troškove cijepljenja i stomatološki troškovi (osim troškova hitne stomatološke intervencije)

[22] Search & rescue: Covered ↩

Covers rescue costs in inaccessible locations or for providing necessary emergency medical assistance.

pokriti troškove spašavanja na nepristupačnim mjestima ili radi pružanja nužne i hitne medicinske pomoći

[23] Emergency medical treatment: Covered ↩

Covers costs of treatment, medicines, and operations required due to emergency medical intervention or accident abroad.

preuzeti troškove (za liječenje, lijekove, operacije, prijevoz u najbližu bolnicu..)

[24] Hospitalization: Covered ↩

Covers costs of hospital treatment and transport to the nearest hospital in case of illness or injury during the trip.

preuzeti troškove (za liječenje, lijekove, operacije, prijevoz u najbližu bolnicu..)

[25] Outpatient treatment: Covered ↩

Covers costs of outpatient medical services and medicines resulting from an emergency medical intervention or accident.

preuzeti troškove (za liječenje, lijekove, operacije, prijevoz u najbližu bolnicu..)

[26] Medical evacuation: Covered ↩

If necessary, the insurer will organize repatriation of the insured for medical treatment.

po potrebi organizirati repatrijaciju

[27] Repatriation of remains: Covered ↩

In the event of death, the insurer organizes transport of the body back home.

u slučaju smrti, organizirati prijevoz tijela do kuće.

[28] Pre existing conditions: Excluded ↩

Damages arising from chronic diseases, all costs related to treatment of malignant and cancerous diseases, and psychiatric or depressive illnesses are excluded.

štete nastale zbog kroničnih bolesti, sve troškove nastale u vezi s liječenjem malignih i kancerogenih oboljenja te uslijed psihičkih ili depresivnih bolesti

[29] Pregnancy complications: Excluded ↩

Consequences of pregnancy or pregnancy complications are excluded from the travel medical cover.

posljedice trudnoće ili komplikacija u trudnoći

[30] Medical expenses: €10,000 – €100,000 ↩

Overall sum insured per insured person per trip depends on the selected program: Program A covers up to 10,000 EUR for illness and 15,000 EUR for accident; Program B up to 30,000 EUR for illness and 30,000 EUR for accident; Program C up to a combined total of 50,000-100,000 EUR for all illness and accident cases during the policy term (aggregate, not per-event). Persons aged 71-80 can only be insured under Program A with reduced limits of 5,000 EUR (illness) and 7,500 EUR (accident), only if healthy and travelling in a group, subject to a special premium.

a) do 10.000 EUR-a za slučaj bolesti i do 15.000 EUR-a za slučaj nezgode (Program A) ili b) do 30.000 EUR-a za slučaj bolesti i do 30.000 EUR-a za slučaj nezgode (Program B) ili c) do ukupnog iznosa od 100.000 EUR-a za sve slučajeve bolesti i nezgode (program C).

[31] Medical transport: Covered ↩

Covers transport by recognized emergency services to the nearest hospital or doctor, and transport to a specialist clinic if medically necessary, within the overall program sum insured; no separate sub-limit is stated for this item.

f) troškove prijevoza od strane priznatih uslužnih servisa za hitnu pomoć u najbližu bolnicu ili do najbližeg dostupnog liječnika; g) troškove prijevoza u specijalnu kliniku ako je to medicinski nužno i prepisano od strane liječnika;

[32] COVID-19 treatment: €10,000 – €100,000 ↩

Insurer pricing examples state that medical expenses cover for illness abroad includes cover for COVID-19 illness, within the standard illness sum insured (e.g. up to 10,000 EUR for a 7-day European trip example).

Informativni izračun za 1 osobu za europsko putovanje (osim Švicarske) od 7 dana uz pokrivene zdravstvene troškove do 10.000 € uslijed bolesti i do 15.000 € za nezgodu , uključujući osiguranje za slučaj oboljenja uslijed Covida-19 .

[33] Personal liability: See details ↩

Not mentioned in the reviewed policy documents for this product.

[34] Emergency dental: €100 ↩

Emergency dental treatment is covered only in case of acute toothache, up to 100 EUR.

Nužna stomatološka pomoć zbog akutne zubobolje u pokriću je do 100 €.

[35] Search & rescue: €2,500 ↩

Covers helicopter emergency medical rescue costs up to 2,500 EUR. This limit is explicitly stated for Program A; the source does not state separate figures for Program B or C.

spašavanja helikopterom hitne medicinske pomoći najviše do 2.500 EUR-a.

[36] Legal assistance: See details ↩

Not mentioned in the reviewed policy documents for this product.

[37] Emergency medical treatment: €10,000 – €100,000 ↩

Covers necessary emergency outpatient treatment, prescribed medicines and dressings, within the overall program sum insured (Program A/B/C as described under medical expenses).

a) ambulantni liječnički tretman (izvanbolničko liječenje); b) lijekove i zavoje prepisane od strane liječnika;

[38] Hospitalization: €10,000 – €100,000 ↩

Covers hospital treatment, including operations and related costs, in a facility generally recognized as a hospital in the country where the event occurred, within the overall program sum insured.

e) bolničko liječenje u ustanovi koja se općenito u stranoj državi u kojoj je nastupio osigurani slučaj smatra bolnicom... h) operacije (uključujući i s operacijama povezane troškove);

[39] Outpatient treatment: €10,000 – €100,000 ↩

Covers ambulatory/outpatient treatment, diagnostics (X-ray, ultrasound, MRI) and prescribed medical aids, within the overall program sum insured.

a) ambulantni liječnički tretman (izvanbolničko liječenje); d) dijagnoza rentgenom, ultrazvukom ili magnetnom rezonancom;

[40] Medical evacuation: €2,000 ↩

Reimburses justified and necessary transport costs if the insured cannot return home as originally planned for valid health reasons, subject to prior approval by the insurer's physicians. Only if repatriation is refused does cover for further related costs cease. The 2,000 EUR limit is explicitly stated for Program A; the source does not state separate figures for Program B or C.

Ako je policom ugovoren Program A, osiguratelj je u obvezi za troškove: - iz stavka (8) ovog članka najviše do 2.000 EUR-a,

[41] Repatriation of remains: €3,000 ↩

Covers justified and necessary costs of customary transport of the deceased insured to their place of residence. The 3,000 EUR limit is explicitly stated for Program A; the source does not state separate figures for Program B or C.

- iz stavka (9) ovog članka najviše do 3.000 EUR-a,

[42] Pre existing conditions: €250 ↩

Chronic illnesses and conditions already diagnosed and treated before the policy was concluded are excluded, except for costs necessary to stabilize the insured out of life-threatening danger, capped at a total of 250 EUR. For an extra premium, if specially agreed, the necessary costs of a life-saving emergency medical intervention caused by such a condition are covered up to the illness sum insured; any further medical services, treatments or aids needed after that intervention are not reimbursed.

za sve kronične bolesti, bolesti ponavljajućeg karaktera, stresne psihičke poremećaje, kao i sve bolesti koje su već dijagnosticirane i liječene prije sklapanja ovog osiguranja, osim troškova u opsegu koji je nužan da se osiguranika dovede u stanje izvan životne opasnosti i to najviše do sveukupnog iznosa od 250 EUR-a.

[43] Winter sports cover: €20 ↩

Skiing/winter sports activities are covered only if an extra premium is paid. An additional daily allowance for an unused ski-pass (up to 20 EUR per day, max. 8 days) applies if hospitalization following a skiing accident exceeds 3 days; skiing outside marked pistes is excluded.

osiguratelj će osiguraniku nadoknaditi troškove neiskorištenog ski-passa do najviše 20 EUR-a po svakom neiskorištenom danu, i to najviše do ukupno osam (8) dana.

[44] Adventure sports cover: Excluded ↩

Accidents in alpinism, sport flying, parachuting, hang-gliding/gliding, off-piste skiing, diving or underwater fishing, and participation in auto-moto competitions or preparation for them, are fully excluded.

14. nezgode u alpinizmu, sportskom letenju, padobranstvu, pri letenju zmajem ili jedrilicama; 15. nezgode kod skijanja izvan uređenih skijališta odnosno staza te za vrijeme ronjenja ili podvodnog ribolova;

[45] Pregnancy complications: €10,000 – €100,000 ↩

Only childbirth and pregnancy complications occurring after the 6th month of pregnancy are excluded; complications before that point fall under the standard illness sum insured.

3. pri porodu ili komplikacija u trudnoći iza 6. mjeseca;

[46] Medical expenses: €10,000 – €60,000 ↩

The insured can select a sum insured of EUR 10,000, 15,000, 20,000, 25,000, 30,000, 40,000 or 60,000, representing the maximum amount the insurer owes per insured event. The two highest tiers (40,000 and 60,000 EUR) are valid worldwide; the lower tiers exclude the USA, Canada, Japan and Australia.

Euroherc offers the following amounts of travel health insurance: € 10,000, € 15,000, € 20,000, € 25,000, € 30,000, € 40,000 and € 60,000, noting that the two largest amounts of insurance policy coverage are valid for the whole world, while the other amounts of insurance policy cover all countries except the US, Canada, Japan and Australia.

[47] Medical transport: Covered ↩

Transport costs by recognized ambulance, taxi or public transport services to the nearest clinic or hospital, including air ambulance transport, and transfer to a specialized clinic when medically necessary, are covered within the overall sum insured (Article 16(1)(7)-(8)).

troškovi prijevoza od strane priznatih uslužnih servisa za sanitetski prijevoz odnosno taxi-prijevoz ili javni prijevoz u svrhu medicinskog tretmana do najbliže ambulante odnosno bolnice ili do najbližeg raspoloživog liječnika, uključivo i trošak za zračni sanitetski prijevoz

[48] COVID-19 treatment: Excluded ↩

All insurer obligations are excluded when the insured event arises from an epidemic or pandemic, which are among the general exclusions applicable to all insurances under this package (Article 7(1)(1)).

potresa, epidemija, pandemija, zagađenja, uslijed prirodnih katastrofa koje su bile poznate prije početka putovanja

[49] Personal liability: Optional ↩

Private liability insurance (covering civil non-contractual liability for death, bodily injury, or damage/destruction of a third party's property during travel and stay abroad) is a separate module of the travel insurance package (Glava IV) that must be specifically contracted and for which premium must be paid; it is not automatically included with the health module.

Osiguranjem je pokrivena građanskopravna izvanugovorna odgovornost osiguranika i osoba za koje on po zakonu odgovara (suosigurane osobe), za štetu zbog smrti, povrede tijela ili zdravlja treće osobe te oštećenja ili uništenja stvari treće osobe tijekom puta i boravka u inozemstvu

[50] Emergency dental: €200 ↩

Dental treatment, including tooth extraction, is covered only for relief of acute toothache, up to EUR 200 per insured person and per insured event (Article 16(1)(10)); routine or final dental treatment, orthodontics, crowns and dentures are excluded (Article 17(1)(19)).

stomatološki tretman, uključivo vađenje zuba, ali samo u svrhu oslobađanja od akutne zubobolje - do 200 EUR po osiguraniku i osiguranom slučaju

[51] Search & rescue: Excluded ↩

Search and rescue costs are not among the categories of expense listed as covered under Article 16, and Article 17(1)(21) excludes all other costs for which the insurer is not obligated under that article.

[52] Legal assistance: Optional ↩

Legal defense against unfounded or excessive third-party claims is provided under the separately-contracted private liability module (Articles 35-36), not as part of the base health cover.

Obveza osiguratelja na pružanju pravne zaštite obuhvaća: 1) ispitivanje odgovornosti osiguranika za nastalu štetu

[53] Emergency medical treatment: €10,000 – €60,000 ↩

Reimburses costs of urgent necessary medical treatment abroad due to sudden illness or accident (outpatient care, day-hospital treatment, prescribed medicines, medical aids, diagnostics, hospital treatment, surgery, home doctor visits), up to the selected sum insured (Article 16).

Osiguratelj će nadoknaditi osiguraniku troškove nastale uslijed hitnog neophodnog medicinskog tretmana za vrijeme puta i boravka u inozemstvu, najviše do iznosa osiguranja, za:

[54] Hospitalization: Covered ↩

Hospital treatment in an institution generally regarded as a hospital in the country of stay, under permanent medical supervision, is covered with no separate sub-limit; it falls within the overall selected sum insured (Article 16(1)(6)).

bolničko liječenje u ustanovi koja se općenito u toj inozemnoj zemlji boravka osiguranika smatra bolnicom i koja je pod stalnim nadzorom liječnika, koja ima dovoljan broj dijagnostičke i terapeutske opreme uz korištenje znanstveno priznatih metoda liječenja

[55] Outpatient treatment: Covered ↩

Ambulatory treatment and day-hospital medical treatment are covered with no separate sub-limit, within the overall sum insured (Article 16(1)(1)).

ambulantno liječenje i medicinske tretmane u dnevnoj bolnici

[56] Medical evacuation: Covered ↩

Repatriation (including by air), organized by the insurer's assistance, from abroad to the insured's place of residence or the nearest hospital in Croatia to continue treatment, particularly if hospitalization is expected to exceed 5 days, is covered within the sum insured; additional costs of accompanying medical staff are also reimbursed if medically required. Repatriation not arranged by, or without the consent of, the insurer's assistance is not reimbursed (Article 16(3)(2)).

repatrijacije (uključivo zračne) u organizaciji asistencije osiguratelja iz inozemstva do osiguranikovog mjesta prebivališta odnosno boravka ili najbliže bolnice u Republici Hrvatskoj u cilju nastavka liječenja, čim to bude medicinski dopušteno

[57] Repatriation of remains: €5,000 ↩

In the event of death abroad, the insurer reimburses, up to actual costs and a maximum of EUR 5,000, either transport of the insured's remains to their place of residence in Croatia or burial at the place of death abroad (Article 16(2)).

Osiguratelj će nadoknaditi u slučaju smrti osiguranika tijekom puta i boravka u inozemstvu u visini stvarnih troškova, a najviše do 5.000 EUR: 1) prijevoz posmrtnih ostataka osiguranika u mjesto gdje je imao prebivalište odnosno boravište u Republici Hrvatskoj ili 2) sahranu u mjestu smrti u inozemstvu.

[58] Pre existing conditions: Conditional ↩

Costs arising from chronic illnesses and their consequences that existed or were known (or should have been known) to the insured at policy inception, as well as illnesses treated in the 6 months before the start of the insurance, are excluded from cover (Article 17(1)(1)-(2)); however, regardless of these exclusions, the insurer will reimburse medical treatment of the insured person in any life-threatening situation (Article 17(2)).

Bez obzira na prethodno navedena isključenja, osiguratelj će nadoknaditi medicinski tretman osiguranoj osobi u bilo kojoj situaciji smrtne opasnosti.

[59] Winter sports cover: Optional ↩

Cover for accidents occurring during amateur or professional sporting activity (incl. skiing/snowboarding) requires special agreement in the policy and payment of an increased premium (30% surcharge for amateur athletes, 60% for professional athletes; no surcharge for recreational sport) per Article 17(1)(11) and the insurer's website. Skiing and snowboarding off marked/prepared ski slopes are permanently excluded (Article 7(1)(8)). A separate benefit reimburses an unused ski-pass up to EUR 30/day for up to 10 days if the insured must be hospitalized or immobilized (cast) for 3+ days (Article 16(3)(5)).

Skijanje i snowboard se smatraju isključenima samo ako se skija /snowborda izvan uređenih staza skijališta

[60] Adventure sports cover: Optional ↩

General amateur/professional sporting risk can be added by special agreement and an increased premium (Article 17(1)(11)). However, a fixed list of extreme activities is permanently excluded regardless of surcharge: speleology, alpinism, ice climbing, any activity above 6,000 m altitude, whitewater sports, rafting, kitesurfing, ski jumping, and skydiving/base jumping/bungee jumping other than as a passenger on public transport (Article 7(1)(8)).

speleologije, alpinizma, ice climbinga, bilo kakvih aktivnosti iznad 6.000 m nadmorske visine, sportskih aktivnosti u brzim vodama, raftinga, kitesurfinga i skijaških skokova

[61] Pregnancy complications: Conditional ↩

Costs related to pregnancy check-ups, typical pregnancy complaints or childbirth are excluded, except to save the life of the mother or child, and then only if the pregnant woman is under 38 years of age and has not passed the 30th week of pregnancy; costs of termination of pregnancy are always excluded (Article 17(1)(14)-(15)).

za troškove glede trudnoće i to pregleda u tijeku trudnoće ili tipičnih pritužbi u tijeku trudnoće ili rođenja djeteta, uključujući promjene u kroničnim stanjima kao posljedice trudnoće, osim u slučaju spašavanja života majke odnosno djeteta, pod uvjetom da je trudnica mlađa od 38 godina i da nije prošao 30. tjedan trudnoće

[62] Medical expenses: €10,000 – €50,000 ↩

The base Horizont package covers medical treatment costs during travel and stay abroad up to a total sum insured selectable at EUR 10,000, 20,000, 30,000 or 50,000, chosen by the policyholder depending on destination and trip duration.

liječenja za vrijeme boravka i puta u inozemstvo do ukupnog iznosa od 10.000, 20.000 30.000 ili 50.000 EUR, a uključuje besplatnu jednokratnu naknadu za boravak u bolnici dulji od 72 sata u iznosu 500 EUR;

[63] Medical transport: €10,000 ↩

Transport costs by an officially authorised emergency service (exceptionally including taxi) to the nearest hospital or available doctor are covered up to a limit of EUR 10,000.

[64] COVID-19 treatment: Covered ↩

Every travel health insurance policy automatically includes cover for COVID-19 infection medical expenses at no additional premium, within the overall medical expense sum insured.

NOVO: Svaka polica putnog zdravstvenog osiguranja sada uključuje i pokriće u slučaju zaraze Covid-19, bez dodatne nadoplate!

[65] Personal liability: Optional ↩

An optional supplementary risk covering the insured's non-contractual civil liability for death, bodily injury or damage to third-party property caused as a private individual in everyday life, from riding a non-motorised bicycle, from amateur sport practice (excluding hunting), or from keeping domestic animals not held for profit. Cover applies only within Europe outside Croatia, subject to a mandatory deductible of HRK 1,500 per claim.

[66] Emergency dental: 2% of insured sum ↩

Dental treatment is covered only to relieve acute toothache, up to 2% of the medical expense sum insured stated on the policy; final dental treatment, orthodontics, periodontology, tartar removal, crowns and dentures are excluded.

[67] Search & rescue: €10,000 ↩

Necessary and proven costs of rescuing the insured by helicopter or aircraft from inaccessible locations, or to provide urgent emergency medical assistance, are reimbursed up to a limit of EUR 10,000.

[68] Legal assistance: See details ↩

The available sources do not describe a standalone travel legal-assistance benefit; Art. 46 of the T&Cs describes legal defence services only within the private liability risk (defending the insured against liability claims), not a general travel legal-assistance service.

[69] Emergency medical treatment: Covered ↩

Includes doctor referral, monitoring of the insured's condition, delivery of missing medication and other emergency medical assistance services organised by the duty centre, covered within the overall medical expense sum insured with no separate sub-limit.

[70] Hospitalization: €500 ↩

A free one-time lump-sum allowance of EUR 500 is automatically included for any hospital stay abroad exceeding 72 continuous hours due to sudden illness or accident; a claim with hospital confirmation and medical records must still be submitted within 30 days of return. Actual hospital treatment costs (room, staff, diagnostics, surgery) are separately covered within the overall medical expense sum insured.

uključuje besplatnu jednokratnu naknadu za boravak u bolnici dulji od 72 sata u iznosu 500 EUR

[71] Outpatient treatment: Covered ↩

Covers doctor consultations, prescribed medication, medical aids, X-ray, CT and laboratory diagnostics needed abroad, within the overall medical expense sum insured with no separate sub-limit.

[72] Medical evacuation: 50% of insured sum ↩

If the insured's health condition requires repatriation, the insurer organises transport to the place of residence or a hospital in Croatia, if necessary with medical escort, with financial responsibility capped at 50% of the medical expense sum insured stated on the policy. Only the insurer's doctors may decide on the advisability and means of repatriation; self-organised repatriation not approved by the duty centre is excluded.

[73] Repatriation of remains: 50% of insured sum ↩

In the event of death abroad, the insurer organises and covers transport of the body to the home country, or covers burial costs at the place of death, up to the same limit of 50% of the medical expense sum insured that applies to repatriation.

[74] Pre existing conditions: Conditional ↩

Chronic diseases and their consequences that existed or were known at the time the contract was concluded are excluded, as are diseases treated in the six months before the insurance start date, including their consequences. However, the insurer always guarantees assistance to the insured in any life-threatening situation, as assessed by the duty centre; the costs of such rescue are covered within the scope and limits of the policy, with any costs beyond those limits borne by the insured.

Ipak, osiguratelj uvijek garantira pomoć osiguranoj osobi u bilo kojoj situaciji smrtne opasnosti.

[75] Winter sports cover: Optional ↩

Accidents resulting from winter sports practised at amateur or professional level are only covered if an additional premium surcharge has been paid; without it, the insurer's liability for such accidents is limited.

[76] Adventure sports cover: Optional ↩

Accidents linked to sports such as motorsports, base jumping, bungee jumping, diving, mountaineering and climbing are only covered if an additional premium has been paid, whether practised at recreational, amateur or professional level.

[77] Pregnancy complications: Conditional ↩

Pregnancy and its consequences (elective termination, delivery, miscarriage) are excluded in general; however, in the case of acute complications during pregnancy the insurer will reimburse the cost of the first medical intervention necessary to remove danger to the life of the mother and/or child, provided the pregnant woman is under 35 years of age and has not completed the 28th week of pregnancy.

[78] Medical expenses: Covered ↩

Covers necessary hospital and out-of-hospital medical treatment abroad for acute illness (including epidemics/pandemics such as Covid-19) and accident injuries. The minimum sum insured is 20,000 EUR for an individual policy and 40,000 EUR for a family policy; higher sums can be agreed. Costs for a higher standard of medical service are not reimbursed.

Naknađuju se troškovi nužnog liječenja, spašavanja te medicinski nužnog prijevoza (uključujući prijevoz helikopterom) u slučaju akutnih bolesti (uključujući epidemiju ili pandemiju kao što je Covid-19)... Minimalna svota osiguranja je 20.000 EUR za pojedinačno, a 40.000 EUR za obiteljsko.

[79] Medical transport: €10,000 ↩

Rescue costs and medically necessary transport of the insured are reimbursed up to 20% of the sum insured, but not more than 10,000 EUR.

spašavanja i medicinski nužnog prijevoza osiguranika do 20% svote osiguranja, ali najviše 10.000,00 EUR;

[80] COVID-19 treatment: Covered ↩

Acute illness caused by an epidemic or pandemic such as Covid-19 is covered within the general medical expenses sum insured, as is quarantine ordered by authorities. Additional accommodation costs caused by quarantine are reimbursed up to 1,000 EUR per insured person.

Naknađuju se dodatni troškovi smještaja osiguranika povezanih s karantenom iz točke 6.1.11. ovih Uvjeta i to najviše 1.000,00 EUR po osiguraniku.

[81] Personal liability: Optional ↩

Private liability insurance, covering the insured's obligation to compensate third parties, can be additionally contracted alongside GRAWE TOUR; no coverage limit is stated in the reviewed documents.

Dodatno se može ugovoriti osiguranje od privatne odgovornosti.

[82] Emergency dental: Covered ↩

Dental or prosthetic treatment is excluded except for the cost of an emergency dental intervention to remove pain, which is covered; no separate limit is stated for this exception.

stomatoloških ili protetičkih zahvata (osim troškova hitne stomatološke intervencije za uklanjanje bolova);

[83] Search & rescue: €10,000 ↩

Rescue costs are reimbursed up to 20% of the sum insured, but not more than 10,000 EUR, under the same provision covering medically necessary transport.

spašavanja i medicinski nužnog prijevoza osiguranika do 20% svote osiguranja, ali najviše 10.000,00 EUR;

[84] Legal assistance: Covered ↩

If the insured is detained abroad, the insurer helps organize legal protection and overcome language barriers; this is an assistance service rather than an indemnity payment, so no monetary limit is stated.

Ako osiguranik bude pritvoren, osiguravatelj će mu pružiti pomoć u organiziranju pravne zaštite i prevladavanja jezičnih barijera.

[85] Emergency medical treatment: Covered ↩

Reimburses costs incurred abroad for necessary hospital treatment or treatment outside a hospital due to sudden acute illness or accident; governed by the same overall sum insured as medical expenses (minimum 20,000/40,000 EUR individual/family).

Naknađuju se troškovi koji su nastali tijekom boravka u inozemstvu zbog nužnog liječničkog tretmana u bolnici ili liječničkog tretmana izvan bolnice.

[86] Hospitalization: Covered ↩

Covers necessary hospital treatment costs abroad within the overall medical expenses sum insured (minimum 20,000 EUR individual / 40,000 EUR family); no separate hospitalization sub-limit is stated.

Naknađuju se troškovi koji su nastali tijekom boravka u inozemstvu zbog nužnog liječničkog tretmana u bolnici ili liječničkog tretmana izvan bolnice.

[87] Outpatient treatment: Covered ↩

Covers necessary medical treatment outside a hospital abroad within the overall medical expenses sum insured (minimum 20,000 EUR individual / 40,000 EUR family); no separate outpatient sub-limit is stated.

Naknađuju se troškovi koji su nastali tijekom boravka u inozemstvu zbog nužnog liječničkog tretmana u bolnici ili liječničkog tretmana izvan bolnice.

[88] Medical evacuation: €10,000 ↩

Rescue and medically necessary transport, including helicopter transport where required, is reimbursed up to 20% of the sum insured, maximum 10,000 EUR, as confirmed by the IPID and T&Cs.

Naknađuju se troškovi nužnog liječenja, spašavanja te medicinski nužnog prijevoza (uključujući prijevoz helikopterom) u slučaju akutnih bolesti...

[89] Repatriation of remains: Covered ↩

If the insured dies while travelling, the cost of transporting the body is covered; the insurer also organizes and covers the burial abroad or the cost of transporting the body back to Croatia for burial, within the general additional-return-costs cover. No separate sub-limit beyond the overall sum insured is stated.

Osiguravateljno pokriće se odnosi i na troškove prijevoza osiguranikovog tijela, ako je smrt osiguranika nastupila za vrijeme trajanja putovanja.

[90] Pre existing conditions: 10% of insured sum ↩

Treatment of chronic illnesses that unexpectedly become acute during the trip is reimbursed up to 10% of the sum insured. Chronic illnesses and illnesses that already existed or were known before the trip began, and their consequences, remain excluded. Persons with certain serious organ, physical, mental or nervous-system conditions, or 100% permanent disability, cannot be insured without the insurer's special prior approval.

Naknađuju se troškovi liječenja kroničnih bolesti koje neočekivano postanu akutne i to najviše do 10% svote osiguranja.

[91] Winter sports cover: Covered ↩

Skiing trips are explicitly listed as a purpose covered by the policy (e.g. treatment of a broken leg while skiing in Austria is used as an example claim). Recreational skiing is not among the risky sports excluded from accident cover, so it is covered under the standard sum insured.

Ako na putovanju dođe do iznenadne akutne bolesti ili nezgode (npr. upala slijepog crijeva u Španjolskoj ili prijelom noge na skijanju u Austriji), osiguranje pokriva troškove liječenja, bolničkog smještaja i nužnih zahvata

[92] Adventure sports cover: Excluded ↩

Accident cover explicitly excludes recreational participation in alpinism, free-climbing, base jumping, bungee jumping, combat sports, horseback riding, diving, high diving above 10m, speleology, mountain biking and other risky sports; professional or extreme sport activity is also excluded even under the amateur-sport clause.

za vrijeme sportske rekreacije u sljedećim sportovima: alpinizmu, freeclimbingu, base jumpingu, bungee jumpingu, borilačkim sportovima, jahanju, ronjenju, skokovima u vodu s visine veće od 10 m, speleologiji, brdskom biciklizmu i drugim rizičnim sportovima;

[93] Pregnancy complications: Excluded ↩

The insurer's liability for treatment costs of pregnancy and all its consequences or complications, including premature birth and hospital stay costs, is fully excluded.

[94] Medical expenses: Covered ↩

The overall sum insured for necessary emergency medical treatment abroad (doctor visits, prescribed medicines, tests, hospitalization, surgery) is freely chosen by the policyholder depending on destination and needs; the T&Cs do not state a default/fixed amount.

Iznose osiguranja sami birate ovisno o vašim potrebama i destinaciji putovanja.

[95] Medical transport: Covered ↩

Covers transport costs by an officially approved emergency service to the nearest hospital or nearest available doctor, exceptionally including taxi transport, and transfer to a specialist clinic if medically indicated and prescribed by a doctor.

troškovi prijevoza od strane službeno odobrene hitne službe radi osiguranikovog prihvata u najbližu bolnicu ili kod najbližeg raspoloživog liječnika, iznimno i taxi prijevoz;

[96] COVID-19 treatment: Excluded ↩

Costs caused by epidemics or pandemics, pollution, or natural disasters that were already known before departure are excluded from cover.

g) sve štete ili troškove uzrokovane epidemijama i pandemijama, zagađenjem ili prirodnim katastrofama koje su bile poznate prije polaska na put;

[97] Personal liability: Optional ↩

Optional add-on cover within the travel package for the insured's non-contractual civil liability for death, bodily injury or damage/destruction of a third party's property, worldwide during the trip except the USA, Canada, New Zealand and Australia. The sum insured is chosen by the policyholder; a per-claim deductible of EUR 100 applies (EUR 135 for damage to glasses and portable electronic devices).

Osiguranje privatne odgovornosti: osiguranjem je pokrivena građanskopravna izvanugovorna odgovornost Osiguranika, za štetu zbog smrti, ozljede tijela ili zdravlja te oštećenja ili uništenja stvari treće osobe;

[98] Emergency dental: €250 ↩

Dental service solely to relieve acute toothache, excluding dentures, implants and similar replacements, for a maximum of 2 teeth, up to EUR 250 per tooth (i.e. up to EUR 500 total).

stomatološku uslugu (bez proteze, ugradnje implatanata i sl.nadomjestaka) isključivo u svrhu oslobađanja akutne zubobolje za maksimalno 2 zuba do 250 EUR po zubu

[99] Search & rescue: €10,000 ↩

Covers necessary and proven rescue costs (e.g. helicopter or aircraft rescue) incurred to save the insured's life at inaccessible locations or to provide necessary and urgent medical assistance, up to a limit of EUR 10,000.

Troškove spašavanja do limita od 10.000 EUR Kod spašavanja Osiguranika helikopterom ili zrakoplovom Osiguratelj naknađuje samo nužne i dokazane troškove koji su nastali radi spašavanja života Osiguranika na nepristupačnim mjestima ili radi pružanja nužne i hitne medicinske pomoći.

[100] Legal assistance: See details ↩

Not mentioned as a separate benefit in the reviewed T&Cs or IPID for this product.

[101] Emergency medical treatment: Covered ↩

An emergency exists when the insured's life or physical integrity is endangered, or irreparable harm could occur, including sudden illness (loss of consciousness, bleeding, acute illness) or accident requiring urgent medical assistance. The insurer always guarantees assistance in any situation of immediate danger to life, regardless of other exclusions.

Hitni slučaj postoji kada ugrožava život ili tjelesni integritet osiguranika ili može prouzročiti nepopravljivu štetu zdravlju osiguranika.

[102] Hospitalization: Covered ↩

Covers inpatient treatment costs and choice of the medical facility best suited to the insured's condition. If hospitalization extends beyond the planned end of the trip by more than 7 days and an insured family member accompanies the patient, the insurer pays hotel room costs for the accompanying person up to EUR 100 per night, for a maximum of 7 nights.

Ukoliko Osiguranik mora biti hospitaliziran u inozemstvu nakon planiranog završetka putovanja duže od 7 dana te ako ga prati osigurani član njegove obitelji, Osiguratelj će platiti troškove hotelske sobe osobe u pratnji do repatrijacije osiguranika. Osiguratelj plaća maksimalno 100 EUR po noći do maksimalno 7 noći.

[103] Outpatient treatment: Covered ↩

Covers ambulatory medical visits at the place where the insured falls ill, X-ray/scanner/laboratory diagnostics, prescribed medicines and necessary walking/medical aids that are part of treating fractures and injuries.

medicinski posjet u mjestu gdje Osiguranik oboli; lijekovi i naknada medicinskih potrepština koje prepiše liječnik; nužna medicinska pomagala i pomagala za hodanje koja čine sastavni dio liječenja slomljenih ekstremiteta i povreda, a koja prepišu liječnici; rentgen, skener i laboratorijska dijagnostika;

[104] Medical evacuation: 50% of insured sum ↩

If the insured's condition requires repatriation, the insurer organizes transport from the place of stay to the insured's home or to a hospital in the home country, chosen by the insurer's medical staff, with a medical escort if necessary. Total costs of this benefit are capped at 50% of the medical sum insured shown on the policy. If the insurer's doctors deem repatriation possible and the insured refuses, the insurer's services are suspended.

Ukoliko zdravstveno stanje zahtijeva repatrijaciju, organizira repatrijaciju Osiguranika od mjesta boravka do prebivališta Osiguranika ili do bolnice u domicilnoj zemlji koju odabere medicinsko osoblje Osiguratelja i po potrebi uz pratnju medicinske ekipe.

[105] Repatriation of remains: 50% of insured sum ↩

In the event of the insured's death, the insurer organizes and covers transport of the body to the deceased's home, or covers funeral costs at the place of death, up to a limit of 50% of the medical sum insured on the policy (including coffin costs chosen with the heirs' consent).

Osiguratelj organizira i preuzima troškove prijevoza tijela od mjesta gdje je nastupila smrt do kuće pokojnika ili preuzima troškove pogreba u mjestu smrti do limita od 50% iznosa osiguranja putnog zdravstvenog osiguranja upisanog na polici osiguranja;

[106] Pre existing conditions: €2,500 ↩

Damages arising from chronic illnesses known or that should have been known at the time of concluding the insurance are generally excluded. However, if the insured has a chronic illness during the period of cover and needs urgent help due to an acute state or unexpected worsening, the insurer covers costs up to a maximum of EUR 2,500, provided the insured follows the prescribed medical instructions for that condition.

Ako Osiguranik za vrijeme trajanja osiguranja ima neku kroničnu bolest i treba hitnu pomoć zbog akutnog stanja ili neočekivanog pogoršanja stanja, u tom slučaju Osiguravatelj pokriva troškove maksimalno do 2.500 EUR.

[107] Winter sports cover: Optional ↩

Clause GOPO 4/2023 does not set any accident or medical limit for skiing; it only insures the insured's own skis, when kept in a properly locked and closed space, against fire and certain other perils plus burglary/robbery, up to EUR 350 — an equipment limit, not a sports-accident or medical limit. Recreational skiing is not listed among the activities excluded under Art. 11(1)(t) of the T&Cs, which excludes only accidents from sport practiced on an amateur or professional basis (registered athletes competing or training); clauses GOPO 1/2023 and GOPO 2/2023 extend medical/accident cover specifically to amateur or professional sporting activity.

Osiguratelj pruža za skije pokriće do limita od 350 EUR za rizik požara i nekih drugih opasnosti i provalne krađe i razbojništva.

[108] Adventure sports cover: Excluded ↩

Accidents arising from extreme sports, parachute jumps or similar, extreme mountaineering tours without an authorized mountain guide and those above 6,000 m altitude, expeditions and sporting activities in wild waters are fully excluded, with no clause available to buy this back.

u) nezgode koje proizlaze iz bavljenja ekstremnim sportovima, skokova padobranom ili slično, ekstremnih planinarskih tura bez ovlaštenog planinarskog vodiča i onih iznad 6.000 m nadmorske visine, ekspedicija i sportskih aktivnosti u divljim vodama;

[109] Pregnancy complications: Conditional ↩

Consequences of pregnancy or pregnancy complications are excluded, in particular elective termination, delivery and miscarriage. However, in the event of acute complications during pregnancy, the insurer covers the cost of the first medical intervention necessary to remove danger to the life of the mother and/or child.

posljedice trudnoće ili komplikacija u trudnoći, osobito: namjerni prekid trudnoće, porod, spontani pobačaj. Ipak, u slučaju akutnih komplikacija tijekom trudnoće Osiguratelj će u okviru police naknaditi trošak prve medicinske intervencije koja je potrebna da bi se otklonila opasnost po život majke i/ili djeteta;

[110] Medical expenses: Covered ↩

Covers costs of necessary medical care, doctor consultations, and prescribed medications during travel and stay abroad, offered under packages A, B, or C; specific per-package limits are not published in the available sources.

[111] Medical transport: Covered ↩

Covers transport by emergency vehicle to the nearest hospital when the insured falls ill or is injured abroad, offered under packages A, B, or C; specific per-package limits are not published in the available sources.

[112] COVID-19 treatment: See details ↩

Not specified in the available sources for this product.

[113] Personal liability: See details ↩

Not specified in the available sources for this product.

[114] Emergency dental: See details ↩

Not specified in the available sources for this product.

[115] Search & rescue: See details ↩

Not specified in the available sources for this product.

[116] Legal assistance: See details ↩

Not specified in the available sources for this product.

[117] Emergency medical treatment: See details ↩

Not specified as a distinct benefit in the available sources for this product.

[118] Hospitalization: See details ↩

Not specified in the available sources for this product.

[119] Outpatient treatment: See details ↩

Not specified as a distinct benefit in the available sources for this product.

[120] Medical evacuation: Covered ↩

Covers transport back to the home country when the insured cannot return as originally planned for health reasons, offered under packages A, B, or C; specific per-package limits are not published in the available sources.

[121] Repatriation of remains: See details ↩

Not specified in the available sources for this product.

[122] Pre existing conditions: See details ↩

Not specified in the available sources for this product.

[123] Winter sports cover: See details ↩

Not specified in the available sources for this product.

[124] Adventure sports cover: See details ↩

Not specified in the available sources for this product.

[125] Pregnancy complications: See details ↩

Not specified in the available sources for this product.

[126] Medical expenses: €35,000 ↩

Aggregate sum insured for travel health insurance is EUR 35,000 per insured person, representing the overall ceiling of the insurer's liability for all insured events during the insurance period, unless a specific sub-limit is stated for a particular cover.

Agregatni limit za osigurane slučajeve iz pokrića LAQO Putno je 35.000,00 EUR (263.707,50 KN), ako za pojedino pokriće nije drukčije određeno.

[127] Medical transport: Covered ↩

Covers transport and rescue by recognized emergency services to the nearest hospital or doctor, and transport to a specialist clinic if medically necessary, within the overall EUR 35,000 aggregate limit (no separate sub-limit other than the helicopter rescue cap).

prijevoz i spašavanje od strane priznatih uslužnih servisa za hitnu pomoć u najbližu bolnicu ili do najbližeg dostupnog liječnika

[128] COVID-19 treatment: €35,000 ↩

Hospital treatment for COVID-19 (SARS-CoV-2) and related repatriation are covered within the EUR 35,000 aggregate limit; however, cover excludes epidemics or pandemics that were already known before the trip began.

bolničko liječenje zbog oboljenja od Covid-19 (SARS-CoV-2) repatrijaciju osiguranika zbog oboljenja od Covid-19 (SARS-CoV-2).

[129] Baggage loss: €500 ↩

Optional cover for personal baggage against theft, robbery, traffic accident, fire, earthquake, flood, explosion, or mishandling by a carrier or airport, up to EUR 500 per insured event; for annual multi-trip policies the aggregate limit for all such events is EUR 2,600.

Iznos osiguranja je 500,00 EUR (3.767,25 KN). Kad se LAQO Putno sklapa za više putovanja u inozemstvo koja pojedinačno traju najdulje 30 (trideset) dana, agregatni limit iznosi 2.600,00 EUR (19.589,70 KN) za sve osigurane slučajeve otuđenja, gubitka, oštećenja ili uništenja prtljage.

[130] Personal liability: Optional ↩

Optional add-on covering liability for damage caused by the insured within Europe due to death, bodily injury, health damage, or damage/destruction of another person's property. No specific coverage limit is disclosed in the available sources.

Ovom opcijom ti je pokrivena odgovornost za štete koje prouzročiš zbog smrti, tjelesne ozljede ili narušenja zdravlja druge osobe, te štete uslijed oštećenja ili uništenja njezinih stvari.

[131] Emergency dental: €100 ↩

Dental treatment is covered only in case of acute toothache, up to EUR 100. Other dental care is excluded.

do 100 EUR (753,45 KN) za hitni stomatološki tretman

[132] Search & rescue: €2,500 ↩

Helicopter rescue costs are covered up to EUR 2,500, included within the overall EUR 35,000 aggregate sum insured.

do 2.500 EUR (18.836,25 KN) za spašavanje helikopterom

[133] Legal assistance: Not established from the reviewed documents ↩

No legal assistance / legal expenses cover is mentioned in any of the reviewed sources for LAQO Putno.

[134] Emergency medical treatment: €35,000 ↩

Covers costs arising from urgent medical assistance needed due to illness or accident during the trip, within the overall EUR 35,000 aggregate limit.

Osigurani slučaj nastaje kada bolest ili nesretni slučaj za vrijeme puta ili boravka osiguranika u inozemstvu prouzrokuju osiguraniku trošak uslijed korištenja hitne medicinske pomoći.

[135] Hospitalization: €35,000 ↩

Covers in-patient hospital treatment abroad in a facility recognized as a hospital in the country where the event occurred, within the EUR 35,000 aggregate limit.

bolničko liječenje u ustanovi koja se općenito u stranoj državi u kojoj je nastupio osigurani slučaj smatra bolnicom koja provodi stalni nadzor nad osiguranikom od strane liječnika

[136] Outpatient treatment: €35,000 ↩

Covers outpatient/ambulatory treatment abroad due to illness or accident, within the EUR 35,000 aggregate limit.

ambulantno liječenje (izvanbolničko liječenje)

[137] Medical evacuation: Covered ↩

Covers justified and necessary repatriation costs if the insured cannot return as originally planned for justified health reasons, decided exclusively by the insurer's doctors with the assistance center's approval, within the EUR 35,000 aggregate limit. If the insured refuses repatriation, the insurer's obligation ceases for all subsequent costs.

naknadu opravdanih i nužnih troškova repatrijacije ako se iz opravdanih zdravstvenih razloga osiguranik ne može vratiti na način na koji je prvobitno namjeravao. ... Ako osiguranik odbije repatrijaciju, osigurateljna obveza prestaje za sve ugovorene troškove nastale od trenutka osiguranikova odbijanja repatrijacije

[138] Repatriation of remains: Covered ↩

Covers justified and necessary costs of transporting the deceased insured person to their place of residence in Croatia, organized by the insurer, within the EUR 35,000 aggregate limit; if the family organized transport before approval, the insurer covers costs up to what it would normally bear as organizer.

naknadu opravdanih i nužnih troškova prijevoza umrlog osiguranika u mjesto prebivališta u Republici Hrvatskoj Osiguratelj organizira prijevoz umrlog, a ako je obitelj organizirala prijevoz prije odobrenja osiguratelja, osiguratelj snosi troškove do iznosa koji bi uobičajeno snosio kao organizator prijevoza

[139] Pre existing conditions: €35,000 ↩

Chronic diseases, recurring illnesses, and conditions already diagnosed and treated before the policy was concluded are excluded, except where such a condition causes a life-threatening situation or acute pain requiring emergency medical intervention to save life or relieve acute pain — in which case necessary intervention costs are covered up to the EUR 35,000 sum insured; other related medical services, treatments and aids are not reimbursed.

zbog kronične bolesti, bolesti ponavljajućeg karaktera, kao i sve bolesti koje su već dijagnosticirane i liječene prije sklapanja ovog osiguranja, osim u slučajevima kada je neka od navedenih bolesti dovela osiguranika u stanje zbog kojeg mu je bila pružena hitna medicinska pomoć

[140] Winter sports cover: €35,000 ↩

The base policy covers emergency medical costs for recreational sports activities such as skiing, and reimburses an unused ski pass up to EUR 500 if the insured is hospitalized for more than 3 days due to a skiing accident. Skiing outside marked/groomed slopes is excluded.

troškove neiskorištenog ski-passa ako se osiguraniku tijekom skijanja dogodi nesretni slučaj zbog kojeg je upućen na bolničko liječenje na kojem je boravio u razdoblju dužem od 3 (tri) dana

[141] Adventure sports cover: Excluded ↩

The policy excludes accidents arising from alpinism, sport flying, parachuting, hang-gliding or gliding, diving or spearfishing, off-piste skiing, and participation in or preparation for auto/motor racing competitions.

kao posljedica nesretnog slučaja u alpinizmu, sportskom letenju, padobranstvu, pri letenju zmajem ili jedrilicama ... kao posljedica skijanja izvan uređenih skijališta odnosno staza, te za vrijeme ronjenja ili podvodnog ribolova

[142] Pregnancy complications: €35,000 ↩

Emergency medical costs related to pregnancy are covered within the aggregate limit, except costs related to childbirth or pregnancy complications occurring after the 6th month of pregnancy, which are excluded.

pri porodu ili komplikacijama u trudnoći iza 6. mjeseca trudnoće

[143] Medical expenses: €7,500 – €50,000 ↩

Five insured sums can be selected: 7,500, 11,500, 23,000, 38,500 or 50,000 EUR, covering emergency medical costs per person per trip.

Moguće su osigurane svota: 7.500 €, 11.500 €, 23.000 €, 38.500 € i 50.000 €.

[144] Medical transport: €7,500 – €50,000 ↩

Emergency transport to the nearest available doctor or clinic abroad is included as part of the emergency assistance benefit.

Troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili kliniku, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)

[145] COVID-19 treatment: See details ↩

Not separately addressed; the IPID excludes damages and costs caused by epidemics, pandemics, pollution or natural disasters that were known before departure, but does not otherwise specifically mention COVID-19.

štete i troškovi uzrokovani epidemijama, pandemijama, zagađenjem ili prirodnim katastrofama koje su bile poznate prije odlaska na put;

[146] Baggage loss: €250 – €500 ↩

Available only as part of the supplementary accident and baggage-loss package, with baggage cover of 250 EUR or 500 EUR depending on the package chosen, and a maximum duration of 90 days.

Gubitak prtljage 250 € 500 €

[147] Personal liability: See details ↩

Not addressed in the reviewed Merkur documents for this product.

[148] Emergency dental: €7,500 – €50,000 ↩

Acute dental treatment is explicitly listed as part of the emergency assistance benefit, drawn from the overall insured sum.

Troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili kliniku, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)

[149] Search & rescue: See details ↩

Not addressed in the reviewed Merkur documents for this product.

[150] Legal assistance: See details ↩

Not addressed in the reviewed Merkur documents for this product.

[151] Emergency medical treatment: €7,500 – €50,000 ↩

Covers outpatient medical treatment, medication, aids, diagnostics, hospital treatment, emergency transport to the nearest doctor or clinic, surgery, acute dental care, phone costs, and accommodation for an accompanying person for a minor insured if necessary, within the selected insured sum tier (7,500-50,000 EUR).

troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili klinike, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)

[152] Hospitalization: €7,500 – €50,000 ↩

Hospital treatment abroad is included as part of the emergency assistance benefit, drawn from the same overall insured sum (no separate sub-limit stated).

troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili klinike, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)

[153] Outpatient treatment: €7,500 – €50,000 ↩

Ambulatory medical treatment abroad is included within the overall insured sum, with no separate sub-limit stated.

troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili klinike, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)

[154] Medical evacuation: €7,500 – €50,000 ↩

Covers medically necessary and justified transport from the foreign country back to the place of permanent residence or to the nearest hospital, drawn from the overall insured sum.

neophodan i medicinski opravdan prijevoz iz strane zemlje u mjesto stalnog boravka ili najbliže bolnice

[155] Repatriation of remains: €3,500 ↩

In the event of the insured's death, reimburses transport costs of remains to the place of residence, or additional funeral costs at the place of death abroad, up to a maximum of 3,500 EUR.

u slučaju smrti osiguranika nadoknada troškova transporta posmrtnih ostataka u mjesto boravišta ili dodatne troškove za pogreb u mjestu smrti u inozemstvu, ali maksimalno do 3.500 €.

[156] Pre existing conditions: Excluded ↩

Merkur is not obliged to pay for illnesses and their consequences that existed or were known at the time the insurance was concluded or began.

bolesti i posljedice tih bolesti koje su postojale ili za koje se znalo u vrijeme sklapanja ili početka osiguranja osigurani slučaj nastao uslijed djelovanja alkohola ili narkotičkih sredstava na osiguranika

[157] Winter sports cover: See details ↩

Not specifically addressed; only professional sporting activity is subject to a proportional reduction of compensation unless a higher premium is paid.

Ako nije posebno ugovoreno i ako nije plaćena uvećana premija, naknada se smanjuje u razmjeru između premije koju je trebalo platiti i stvarno plaćene premije kada osigurani slučaj nastane kod osoba starijih od 60 godina i uslijed profesionalnog bavljenja sportom za vrijeme natjecanja ili treninga

[158] Adventure sports cover: See details ↩

Not specifically addressed; only professional sporting activity during competition or training is subject to a proportional reduction of compensation unless a higher premium is paid.

Ako nije posebno ugovoreno i ako nije plaćena uvećana premija, naknada se smanjuje u razmjeru između premije koju je trebalo platiti i stvarno plaćene premije kada osigurani slučaj nastane kod osoba starijih od 60 godina i uslijed profesionalnog bavljenja sportom za vrijeme natjecanja ili treninga

[159] Pregnancy complications: See details ↩

Not addressed in the reviewed Merkur documents for this product.

[160] Medical expenses: €20,000 – €100,000 ↩

Covers emergency treatment costs during travel abroad, including outpatient and hospital treatment. Maximum sum insured per event depends on the selected package: Osnovni EUR 20,000; Osnovni + EUR 40,000; Prošireni EUR 50,000; Prošireni + EUR 100,000.

Osnovni paket - s maksimalnom osiguranom svotom po štetnom događaju 20.000 EUR Osnovni + paket - s maksimalnom osiguranom svotom po štetnom događaju 40.000 EUR Prošireni paket - s maksimalnom osiguranom svotom po štetnom događaju 50.000 EUR Prošireni + paket - s maksimalnom osiguranom svotom po štetnom događaju 100.000 EUR

[161] Medical transport: Covered ↩

Covers necessary medical transport to the nearest hospital or clinic abroad; no specific sum insured is published.

Nužni prijevoz do zdravstvene ustanove

[162] COVID-19 treatment: Conditional ↩

COVID-19 treatment costs, including hospital treatment, are covered only under the EUROPA+ territorial option; not available under the CIJELI SVIJET (Worldwide) option.

Troškovi liječenja uslijed zaraze virusom COVID-19 pokriveni su za teritorijalno pokriće EUROPA+. Za teritorijalno pokriće CIJELI SVIJET troškove liječenja uslijed zaraze virusom COVID-19 nije moguće ugovoriti.

[163] Baggage loss: Covered ↩

Covers necessary costs following loss of baggage during a flight; included only in certain packages, no limit published.

Povratak nužnih troškova u slučaju gubitka prtljage tijekom leta ... Pokriva li putno osiguranje gubitak prtljage? Da, određeni paketi uključuju i pokriće gubitka prtljage te nužne troškove koji iz toga proizlaze.

[164] Personal liability: Optional ↩

Optional add-on covering civil damages claims from third parties against the insured for a sudden accident abroad for which the insured, as a private individual, is responsible, resulting in bodily injury, illness, death, or property damage; coverage applies to all persons on the policy.

Osobna odgovornost pokriva štete zbog građanskopravnih odštetnih zahtjeva trećih osoba prema osiguraniku zbog iznenadnog događaja (nesreće) koji se dogodi u inozemstvu i za koji je osiguranik odgovoran kao fizička osoba, a koji ima za posljedicu: tjelesnu ozljedu, bolest ili smrt osobe (oštećenje osobe), ili uništenje, oštećenje ili nestanak stvari (oštećenje stvari).

[165] Emergency dental: Covered ↩

Emergency dental treatment abroad is listed among covered benefits; no specific sum insured is published.

- Hitna stomatološka pomoć.

[166] Search & rescue: See details ↩

Rescue costs are mentioned only in general text comparing travel insurance to the EHIC, not stated explicitly as a base-package benefit; no sum insured is published.

putno zdravstveno osiguranje pokriva troškove privatne zdravstvene zaštite, medicinskog prijevoza u najbližu bolnicu ili ambulantu, troškove spašavanja te troškove prijevoza u Hrvatsku nakon završetka liječenja te mnoga druga pokrića.

[167] Legal assistance: See details ↩

Not stated in the available sources.

[168] Emergency medical treatment: Covered ↩

Emergency medical assistance abroad is a core covered benefit; no specific monetary limit is published in the reviewed sources.

Sve bitno za bezbrižna putovanja: pokriće hitnog liječenja (ambulantno, bolničko, stomatološko), medicinski prijevoz i povratak u RH, posjet osiguraniku u slučaju hospitalizacije.

[169] Hospitalization: Covered ↩

Hospital treatment costs abroad are covered depending on the selected package; no specific sum insured is published.

Troškovi bolničkog liječenja

[170] Outpatient treatment: Covered ↩

Outpatient (ambulatory) treatment abroad is covered depending on the selected package; no specific sum insured is published.

Troškovi ambulantnog liječenja

[171] Medical evacuation: Covered ↩

Covers transport back to Croatia after treatment abroad concludes, distinct from local transport to the nearest hospital; no specific sum insured is published.

Prijevoz osiguranika u Hrvatsku po završetku liječenja

[172] Repatriation of remains: Covered ↩

Transport of the insured's remains to Croatia is covered, depending on the selected package; no separate sum insured is published.

Prijevoz posmrtnih ostataka osiguranika u Hrvatsku

[173] Pre existing conditions: See details ↩

Not stated in the available sources.

[174] Winter sports cover: Optional ↩

Skiing is offered via a dedicated 'skijaši' package/variant and can be linked to the optional sports training or competition add-on covering all sports; no separate named winter-sports rider or sum insured is published.

Ne izlažite se rizicima dodatnih troškova i osigurajte si mirnu savjest na svakom putu u inozemstvo, a posebno dodatne rizike koje predstavlja skijanje.

[175] Adventure sports cover: Optional ↩

Optional add-on covering sports training or competition for all sports types, regardless of whether the activity is professional or recreational, selectable during the online quote process.

Želim pokriće za trening ili sportsko natjecanje za sve sportove bez obzira izvodi li se sportska aktivnost profesionalno ili rekreativno.

[176] Pregnancy complications: See details ↩

Not stated in the available sources.

[177] Medical expenses: Covered ↩

Covers proven costs of necessary medical treatment (medical treatment, prescribed medicines and dressings, medical aids, radiology, outpatient services, hospital transport, surgery, hospitalisation) arising from an acute illness or accident during the trip, up to the sum insured stated on the policy. Included in Packages A, B and C; the exact sum insured is selected by the policyholder and not fixed in the public sources reviewed.

Troškovima nužno potrebnog liječenja u smislu ovih Općih uvjeta smatraju se isključivo troškovi: a) medicinskog tretmana; b) lijekova i zavoja koje prepiše liječnik;

[178] Medical transport: Covered ↩

Covers transport to hospital, clinic or medical facility and back to the place of stay abroad, as part of necessary treatment costs.

prijevoza do bolnice, klinike ili zdravstvene ustanove te povratka do mjesta boravka u inozemstvu

[179] COVID-19 treatment: Excluded ↩

COVID-19 is not named specifically, but the T&Cs exclude the consequences of a disease of pandemic proportions as declared by the competent authority (ministry, minister, WHO, etc.).

posljedica bolesti pandemijskih razmjera sukladno proglasu i kriterijima nadležnog tijela (nadležno ministarstvo, nadležni ministar, svjetska zdravstvena organizacija itd.);

[180] Baggage loss: Covered ↩

Covers damage to or destruction of insured baggage and personal belongings; in case of theft, burglary or robbery, also covers loss of the insured items. Also reimburses the cost of essential replacement items (necessary clothing and basic hygiene items), up to EUR 250, if checked baggage does not arrive on the same day as the insured due to a transport delay. Included in Packages B and C; not included in Package A.

Osiguratelj pokriva, u opsegu koji je određen ovim Općim uvjetima, štetu nastalu zbog oštećenja ili uništenja osiguranih stvari, koja je posljedica neočekivanog i od osiguranikove volje neovisnog događaja. Kod krađe, provalne krađe i razbojništva osiguranje pokriva i štetu zbog nestanka osiguranih stvari. Osiguratelj također nadoknađuje iznos koji je potreban za nabavku zamjenske prtljage (nužna odjeća i osnovne higijenske potrepštine), ako prtljaga koja je predana na prijevoz nije stigla na odredište isti dan kada i osiguranik zbog kašnjenja u prijevozu, ali najviše do iznosa od 250,00 EUR.

[181] Personal liability: Covered ↩

Covers civil-law damages claims by third parties against the insured for an unexpected and sudden event causing bodily injury or property damage; a deductible of 10% of the assessed claim (minimum EUR 50 per claim) applies. Included in Packages A, B and C; no fixed sum insured is disclosed in public sources.

Osiguratelj pokriva štete zbog građanskopravnih odštetnih zahtjeva koje treće osobe postave prema osiguraniku zbog neočekivanog i iznenadnog događaja (nesreće), za kojeg odgovara osiguranik

[182] Emergency dental: Covered ↩

Covers emergency dental interventions needed to relieve acute pain from disease or damage to teeth, including tooth extraction and simple denture repairs, but excludes making replacement teeth or crowns.

hitnih stomatoloških zahvata, potrebnih za otklanjanje akutne boli zbog bolesti ili oštećenja zuba, uključujući i vađenje zuba te jednostavne popravke zubnih proteza, ali ne i izradu nadomjesnih zuba ili zubnih krunica;

[183] Search & rescue: Covered ↩

Covers the costs of searching for and rescuing the insured if they suffer an accident, illness, or are in distress in the mountains or at sea, with no altitude restriction stated.

troškovi traganja i spašavanja osiguranika u planinama i na moru (bez ograničenja nadmorske visine)

[184] Legal assistance: Conditional ↩

Reimbursement of legal assistance costs incurred abroad is included only in Package C of the Tourist Insurance product; it is not part of Packages A or B, and no specific sum insured is disclosed in the sources reviewed.

Osiguranje povrata troškova za pravnu pomoć u inozemstvu

[185] Emergency medical treatment: Covered ↩

The insurer provides assistance and covers costs of necessary medical care arising solely from emergency treatment of acute illness or accident during the trip, organised via the 24/7 Europ Assistance contact centre.

Osiguratelj pruža pomoć i pokriva troškove potrebne medicinske skrbi nastale uslijed hitne medicinske pomoći čija je jedina svrha otklanjanje posljedica akutnih bolesti ili nesreća

[186] Hospitalization: Covered ↩

Covers hospitalisation costs until the insured's health allows transport to the country of residence; all three packages additionally include a separate 'hospital day' allowance benefit for hospitalisation abroad, though no fixed amount is disclosed in the sources.

hospitalizacija do dana kada osiguranikovo zdravstveno stanje dopušta prijevoz u državu stalnog ili privremenog boravišta gdje će nastaviti liječenje.

[187] Outpatient treatment: Covered ↩

Covers outpatient medical services provided the clinic has diagnostic/therapeutic equipment and works using scientifically recognised and clinically tested methods in the country of temporary residence.

ambulantnog pružanja medicinskih usluga ukoliko ambulanta raspolaže dijagnostičkom i terapeutskom opremom te radi po metodama koje su znanstveno priznate i klinički ispitane u državi privremenog boravka osiguranika

[188] Medical evacuation: Covered ↩

Covers increased transport costs to repatriate the insured to their home country, on medical recommendation, if adequate care is not available locally and this could worsen the insured's health; additional escort costs are also covered if medically required or legally prescribed.

povećani troškovi prijevoza osiguranika u domovinu, ako u mjestu boravka ili bližoj okolici nije moguće pružanje adekvatne medicinske njege (prema mišljenju liječnika), a to može imati utjecaja na pogoršanje bolesnikovog zdravlja; pored toga se priznaju i dodatni povećani troškovi pratnje ako je potrebna medicinska pratnja ili je propisana zakonom;

[189] Repatriation of remains: Covered ↩

In case of death, covers the increased necessary costs of transporting the remains to the place of permanent residence, or the increased necessary costs of burial abroad, up to the amount agreed and stated on the policy.

u slučaju smrti - povećani nužni troškovi prijevoza u mjesto stalnog boravka ili nužni povećani troškovi koji su posljedica pokopa u inozemstvu, ali najviše do iznosa ugovorenog i navedenog u polici osiguranja.

[190] Pre existing conditions: Conditional ↩

Chronic diseases known at the start of the insurance are excluded, including their consequences, and diseases treated within the last 3 months before the start of insurance, unless the medical assistance needed is unforeseen and solely aimed at removing an acute life-threatening danger or acute pain; the insurer states no sub-limit applies to costs of an acute exacerbation of a known chronic disease within that exception.

kroničnih bolesti i njihovih posljedica, koje su nastale i bile poznate na početku osiguranja, čak i ako nisu bile liječene, kao i bolesti liječenih tijekom zadnja tri mjeseca prije početka osiguranja, uključivo s njihovim posljedicama, osim ako se radi o nepredvidivoj liječničkoj pomoći za otklanjanje akutne životne opasnosti ili za mjere čija svrha je isključivo otklanjanje akutnih bolova

[191] Winter sports cover: Optional ↩

If not expressly agreed and an additional premium paid, the insurer's obligations are reduced by 33% for accidents/illness occurring during specific higher-risk winter activities such as acrobatic skiing, ski touring, heli-skiing, and ski jumping/flying; ordinary recreational skiing outside this list is not itself listed as restricted.

akrobatsko skijanje, turno skijanje, heli skijanje, skijaški skokovi i skijaški letovi, akrobatsko letenje, bungee jumping, base jumping, ronjenje, speleologija

[192] Adventure sports cover: Optional ↩

Unless expressly agreed with an additional premium, benefits are reduced by 33% for accidents/illness arising from motorsport, aerial sports (parachuting, paragliding), unlicensed diving, and extreme/adventure activities such as bungee jumping, base jumping, canyoning, whitewater rafting, mountaineering without qualified guides, and similar.

Ako nije izričito ugovoreno i ako nije plaćena odgovarajuća veća premija, obveze osiguratelja u pogledu pokrića ili naknade troškova umanjuju se za 33%.

[193] Pregnancy complications: Conditional ↩

Costs related to pregnancy and childbirth are excluded, except for acute, abnormal course of pregnancy and its consequences occurring before the completed 37th week, where the insurer covers medical measures needed to remove an immediate danger to the life of the mother or child.

troškova povezanih s trudnoćom, porodom i njegovim posljedicama, osim u slučaju akutnog, nenormalnog tijeka trudnoće i njenih posljedica kada osiguratelj pokriva troškove medicinskih mjera za neposredno otklanjanje životne opasnosti za majku ili dijete, pod uvjetom da trudnici prilikom nastanka akutne komplikacije još nije zaključen 37. tjedan trudnoće;

[194] Medical expenses: €10,000 – €50,000 ↩

Covers costs of necessary medical treatment and medicines prescribed by a doctor during travel abroad, available at three annual sum-insured tiers: 10,000 EUR, 30,000 EUR or 50,000 EUR.

godišnja premija ovisi o ugovorenom pokriću koje za premiju od 33,84 eura iznosi 10.000 eura, za premiju od 59,06 eura 30.000 eura, a za premiju od 71,67 eura 50.000 eura.

[195] Medical transport: Covered ↩

Covers medically necessary transport of the insured to the nearest appropriate hospital or clinic, within the overall medical sum insured, subject to reasonable and customary local costs.

medicinski nužnog prijevoza.

[196] COVID-19 treatment: Optional ↩

Treatment costs for illnesses caused by an epidemic or pandemic known before departure are excluded; however, if specifically contracted and an additional premium paid, cover for illness caused by COVID-19 arising during the trip can be included.

[197] Baggage loss: €500 – €2,500 ↩

Covers loss, theft, damage or destruction of baggage during travel (traffic accident, natural disaster, burglary/robbery, baggage lost or damaged by the carrier), with a selectable sum insured from 500 to 2,500 EUR; up to 250 EUR is paid for replacement items when baggage does not arrive with the insured.

za gubitak prtljage, može se ugovoriti iznos osiguranja od 500 eura do 2.500 eura

[198] Personal liability: Optional ↩

Optional cover for the insured's non-contractual civil liability for death, bodily injury, health damage, or damage/destruction of a third party's property, limited to countries on the European continent; sum insured is stated on the policy.

Osiguranje privatne odgovornosti pokriva: građanskopravnu izvanugovornu odgovornost osiguranika, za štetu zbog smrti, ozljede tijela ili zdravlja te oštećenja ili uništenja stvari treće osobe.

[199] Emergency dental: €150 ↩

Covers emergency dental procedures aimed at relieving acute pain during travel, up to 150 EUR per incident.

stomatološki troškovi do 150 eura s ciljem oslobađanja od nepodnošljive boli

[200] Search & rescue: €7,300 ↩

Covers search and rescue costs worldwide up to a maximum of 7,300 EUR.

troškovi spašavanja u cijelom svijetu do 7.300 eura

[201] Legal assistance: See details ↩

Not offered as a distinct benefit in the reviewed policy documents.

[202] Emergency medical treatment: €10,000 – €50,000 ↩

Necessary medical treatment for sudden illness or accident during the trip is covered within the same overall sum insured tiers (10,000/30,000/50,000 EUR).

Dobrovoljno zdravstveno osiguranje za vrijeme puta u inozemstvu ili puta u Hrvatsku za strance pokriva troškove: nužnog liječničkog tretmana i lijekova,

[203] Hospitalization: Covered ↩

Hospitalization required for acute illness or accident abroad is covered as part of the overall medical treatment sum insured; no separate hospitalization sub-limit is stated in the reviewed documents.

Nadoknađuju se troškovi razumni i uobičajeni za istu vrstu medicinske usluge u mjestu u kojem se usluga pruža.

[204] Outpatient treatment: Covered ↩

Outpatient treatment, including telemedicine consultations, for sudden illness or accident is included within the overall medical sum insured.

telemedicine,

[205] Medical evacuation: Covered ↩

Covers transport costs from abroad to a Croatian hospital or home, for the insured and one accompanying person, when medically necessary; no separate cap beyond reasonable and customary costs is stated.

troškovi prijevoza iz inozemstva u hrvatsku bolnicu ili doma, vas i jedne osobe u vašoj pratnji

[206] Repatriation of remains: €1,800 ↩

Covers standard transport costs of the deceased insured's remains to their last place of residence; if not organized by the UNIQA assistance service, reimbursement is capped at 1,800 EUR.

Ukoliko prijevoz posmrtnih ostataka Osiguranika nije organiziran od strane službe za pomoć UNIQA osiguranja d.d., nadoknađuju se troškovi do najviše 1.800 EUR-a.

[207] Pre existing conditions: Excluded ↩

Excludes treatment of chronic diseases, their consequences, and accident consequences that existed or were known (or should have been known) at policy inception, including diseases treated within 6 months before the insurance start, except for acute attacks where treatment was necessary to save the insured's life or relieve acute pain.

liječenjem kroničnih bolesti, njihovih posljedica i posljedica nezgoda koje su postojale ili su bile poznate ili su morale biti poznate u vrijeme sklapanja ugovora o osiguranju, odnosno početka osiguranja čak i ako nisu bile liječene, kao i za posljedice bolesti koje su liječene u posljednjih šest mjeseci prije početka osiguranja, osim u slučaju akutnih napada kada je liječnička pomoć pružena radi spašavanja života osiguranika ili oslobađanja akutne boli;

[208] Winter sports cover: See details ↩

Not addressed in the reviewed policy documents.

[209] Adventure sports cover: See details ↩

Not addressed in the reviewed policy documents.

[210] Pregnancy complications: See details ↩

Not addressed as a distinct benefit in the reviewed policy documents.

[211] Medical expenses: €15,000 – €50,000 ↩

Minimum sum insured of EUR 15,000 for Europe cover, EUR 30,000 for Worldwide cover (for trips outside Croatia and for foreign nationals in Croatia), rising to EUR 50,000 for the Annual travel insurance policy.

[212] Medical transport: €1,500 ↩

Transport costs (including taxi) to the nearest hospital or doctor due to the insured's health condition are covered up to EUR 1,500.

troškovi prijevoza od strane službeno odobrene hitne službe radi osiguranikovog prihvata u najbližu bolnicu ili kod najbližeg raspoloživog liječnika, iznimno i taxi prijevoz do limita od 1.500 EUR;

[213] COVID-19 treatment: See details ↩

The terms (dated 2018) contain no specific COVID-19 clause; a general exclusion applies to losses caused by epidemics or pandemics that were already known before departure.

sve štete ili troškove uzrokovane epidemijama, pamdemijama, zagađenjem ili prirodnim katastrofama koje su bile poznate prije polaska na put;

[214] Baggage loss: Optional ↩

Optional cover for loss, destruction or delay of baggage carried during the trip, without requiring proof of the value of the items; paid up to the sum insured stated on the policy.

Uključuje pokriće za gubitak, uništenje ili kašnjenje prtljage bez dokazivanja njene vrijednosti.

[215] Personal liability: Optional ↩

Covers the insured's civil non-contractual liability for death, bodily injury, or damage/destruction of a third party's property, limited to Europe outside Croatia; the insured bears a deductible of HRK 1,000 per claim, deducted from the sum insured stated on the policy.

Osiguranje od privatne odgovornosti Uključuje štetu koju ste Vi ili član Vaše obitelji te Vaš kućni ljubimac učinili trećim osobama, a odnosi se samo na putovanja izvan RH i samo za područje Europe.

[216] Emergency dental: €150 ↩

Dental treatment solely to relieve acute toothache is covered up to EUR 150.

stomatološku uslugu isključivo u svrhu oslobađanja akutne zubobolje do 150 EUR;

[217] Search & rescue: See details ↩

No dedicated search-and-rescue benefit is specified in the policy documents; participation in search operations for another person is treated as a risk exposure, not as a covered benefit.

[218] Legal assistance: Covered ↩

Legal assistance is provided only as part of the personal liability cover: the insurer investigates the insured's liability, defends against unfounded or excessive claims, and conducts litigation on the insured's behalf; it is not a standalone travel legal-assistance benefit.

Osigurateljeva obveza u pružanju pravne zaštite obuhvaća: a) ispitivanje osiguranikove odgovornosti za nastalu štetu; b) vođenje spora ako oštećeni ostvaruje pravo na naknadu štete u parničnom postupku protiv osiguratelja neposredno;

[219] Emergency medical treatment: 100% of insured sum ↩

Covers first medical assistance, clinical treatment using scientifically proven methods, necessary medication and surgery, within the overall medical sum insured (no separate sub-limit).

kliničko liječenje uz korištenje znanstveno dokazanih metoda u bolnici u mjestu osiguranikovog boravka ili najbližoj prikladnoj bolnici;

[220] Hospitalization: 100% of insured sum ↩

Inpatient/hospital treatment is covered within the overall medical sum insured. If hospitalization abroad continues more than 7 days after the planned end of the trip and an insured family member accompanies the patient, the insurer additionally pays up to EUR 50 per night for the companion's hotel room, for a maximum of 7 nights.

Osiguratelj plaća maksimalno 50 EUR po noći do maksimalno 7 noći.

[221] Outpatient treatment: 100% of insured sum ↩

Outpatient medical visits, diagnostics (X-ray, laboratory), walking aids and medical devices prescribed by a doctor are covered within the overall medical sum insured.

medicinski posjet u mjestu gdje osiguranik oboli; ... dijagnoza rendgenom, skenerom i laboratorijska dijagnostika;

[222] Medical evacuation: €4,000 ↩

If the insured's health condition requires necessary transport to the home country, the insurer organizes and covers this up to EUR 4,000; only the insurer's doctors may decide on the advisability and means of transport.

organizira repatrijaciju osiguranika od mjesta boravka do prebivališta osiguranika ili do bolnice u domicilnoj zemlji ... do limita od 4.000 EUR.

[223] Repatriation of remains: €4,000 ↩

In case of death, the insurer organizes and covers the cost of transporting the body to the deceased's home, or covers burial costs at the place of death, up to a limit of EUR 4,000 including coffin costs.

osiguratelj organizira i preuzima troškove prijevoza tijela od mjesta gdje je nastupila smrt do kuće pokojnika ili preuzima troškove pogreba u mjestu smrti do limita od 4.000 EUR; ovaj iznos uključuje troškove kovčega;

[224] Pre existing conditions: Excluded ↩

Chronic illnesses and their consequences that existed, were known, or should have been known at the time the policy was concluded are excluded, even if untreated; illnesses treated within the 6 months before the policy start are also excluded, except for emergency life-saving treatment or acute pain relief.

zbog kroničnih bolesti, njihovih posljedica i posljedica nezgoda koje su postojale ili su bile poznate ili su morale biti poznate u vrijeme zaključivanja osiguranja, čak i ako nisu bile liječene; bolesti koje su liječene u posljednjih šest mjeseci prije početka osiguranja, osim u slučaju kada je liječnička pomoć pružena radi spašavanja osiguranikova života ili oslobađanja akutne boli;

[225] Winter sports cover: Conditional ↩

Recreational skiing selected under the 'rest/recreation' trip purpose is covered under the base policy; accidents arising from amateur or professional skiing competitions or organized training require payment of an additional premium, without which such accidents are excluded.

[226] Adventure sports cover: Excluded ↩

Accidents arising from extreme sports, parachute jumps, extreme mountain expeditions without a licensed guide or above 6,000 m altitude, expeditions, and white-water sports activities are excluded, with no option to buy back this cover.

nezgode koje proizlaze iz bavljenja ekstremnim sportovima, skokova padobranom ili slično, ekstremnih planinarskih tura bez ovlaštenog planinarskog vodiča i onih iznad 6.000 m nadmorske visine, ekspedicija i sportskih aktivnosti u divljim vodama;

[227] Pregnancy complications: Conditional ↩

Consequences of pregnancy or complications (deliberate termination, delivery, miscarriage) are excluded; however, in case of acute complications during pregnancy, the insurer covers the cost of the first medical intervention necessary to remove danger to the life of the mother and/or child.

posljedice trudnoće ili komplikacija u trudnoći, osobito: namjerni prekid trudnoće, porod i spontani pobačaj. Ipak, u slučaju akutnih komplikacija tijekom trudnoće osiguratelj će u okviru police naknaditi trošak prve medicinske intervencije koja je potrebna da bi se otklonila opasnost po život majke i/ili djeteta;