Adriatic Insurance Joint Stock Company
ADRIATIC osiguranje
ADRIATIC osiguranje is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
If the insured follows the mandatory assistance-notification procedure, the medical costs covered under the policy are settled directly by the insurer's assistance service on behalf of and for the account of the insurer, except for the cost of purchasing medicines, which is reimbursed to the insured only after a claim is submitted.
Geographic scope
Worldwide, with different rules per sub-cover: voluntary health cover excludes Croatia and the country of compulsory health insurance; accident and baggage cover apply worldwide including Croatia; private liability and trip cancellation/interruption apply worldwide excluding Croatia.
Voluntary health insurance: worldwide except the Republic of Croatia and the country where the insured has compulsory health insurance (exception applies for foreigners insured in RH under a separate module). Accident and baggage insurance: worldwide, including Croatia. Private liability: worldwide except Croatia (and, per the product page, except Canada and the USA). Trip cancellation/interruption: worldwide except Croatia.
Unique selling points
- Costs of covered emergency medical treatment abroad are settled directly by the insurer's 24/7 assistance service on the insured's behalf, so the traveller does not need to pay upfront (except for medicine purchases).
- A family policy can cover up to 2 adults and up to 5 children under a single contract.
- Annual/semi-annual policies (Plan GP/PGP) provide cover for an unlimited number of trips abroad, as long as each individual trip does not exceed 30 consecutive days.
- If a sudden illness or accident requires treatment beyond the policy's expiry and return home proves impossible, cover automatically extends by up to a further 30 days.
- If hospitalisation abroad exceeds 5 days, the insurer covers the return travel and up to 7 nights of accommodation (up to 50 EUR/night) for one accompanying person.
Coverage limits
Medical expenses abroad
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.
Emergency and necessary 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.
Hospital treatment
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.
Outpatient (ambulatory) treatment
Covered
Covers ambulatory treatment and medical treatments in a day hospital, up to the sum insured stated on the policy.
Emergency dental treatment
€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.
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.
Medical repatriation (evacuation) for continued treatment
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.
Repatriation of remains / burial abroad
€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.
Search and rescue costs
No limit stated
Search and rescue costs are not addressed as a distinct benefit in the T&C or IPID for this product.
COVID-19 / pandemic-related 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.
Pre-existing conditions
Excluded
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.
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.
Adventure / extreme 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).
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.
Private (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.
Legal protection (defence against liability claims)
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.
24/7 assistance service
Covered
A 24-hour, 7-days-a-week assistance/duty centre is available by the telephone number stated on the policy; the insured must contact this assistance immediately (at the latest within 24 hours) upon a covered event and before incurring any covered cost.
Key conditions
Assistance call deadline
The insured, or someone acting on their behalf, must contact the insurer's assistance service immediately, and at the latest within 24 hours from the onset of a sudden illness or accident, and in any case before incurring any cost covered by this insurance.
Unauthorized treatment
Failure to notify the assistance service as required reduces the insurer's obligation proportionally to the extent the damage is increased by that failure, up to a total loss of the right to indemnity; furthermore, repatriation costs are not reimbursed if the transport was not organised by, or agreed with, the insurer's assistance service.
Purchase while abroad
The insurance contract must be concluded exclusively before the start of the trip; a contract concluded after the trip has begun is void and creates no rights or obligations for the parties (although cover from an existing policy may exceptionally be extended without a gap). Purchases made via the online webshop must be completed at the latest one day before the start of cover; same-day purchase is possible only at Adriatic's physical sales points.
Chronic conditions
The insurer is not liable for costs arising from chronic diseases and their consequences that existed, were known, or should have been known to the insured at the time the policy was concluded, regardless of whether they were treated or not.
Pregnancy
Costs of pregnancy check-ups, typical pregnancy complaints or childbirth, including changes in chronic conditions caused by pregnancy, are excluded, except to save the life of the mother or child, provided the pregnant insured is under 38 years old and has not passed the 30th week of pregnancy; costs of pregnancy termination are also excluded.
Pre-existing condition exclusions
Cover excludes costs due to chronic diseases and their consequences known, or that should have been known, at the time of concluding the policy, as well as costs of diseases treated by the insured in the 6 months preceding the start of insurance or of the individual trip under an annual policy.
Coverage duration limit
Cover may be arranged for a minimum of 24 hours up to a maximum of one year (annual policy). Annual/semi-annual policies marked 'Plan GP'/'Plan PGP' are valid for an unlimited number of trips abroad, but each individual trip may last no more than 30 consecutive days; if a sudden illness or accident requires treatment beyond the expiry of cover, the period is extended by up to 30 further days, provided the insured proves that return home was not possible.
Where to buy
Policy specifics
Accidental death and permanent disability
Coverage for sudden events resulting in death or permanent disability of the insured
SourcePrivate liability coverage
Optional coverage for civil liability arising from the insured's actions during travel
SourceBaggage insurance
Optional coverage for loss, damage, or theft of traveler's personal belongings and luggage
SourceAccidental injury daily benefit
Optional daily compensation coverage for injuries sustained during travel
SourceTrip cancellation or interruption
Optional coverage for financial losses due to trip cancellation or interruption
Source24-hour emergency assistance requirement
Insured must contact the insurer's assistance immediately and no later than 24 hours from the onset of sudden illness or accident, and before incurring any covered costs
SourceTerritorial coverage exclusions
Basic medical coverage is valid worldwide except in the insured's country of residence and countries where the insured has compulsory health insurance. For Croatian citizens, this means coverage does not apply in Croatia.
SourcePremium payment timing
Premium must be paid before the start of travel. The insurer's obligation begins only after full payment of the first or single premium has been received.
SourcePolicy duration flexibility
Policy can be concluded for short-term daily coverage (minimum 24 hours) or long-term coverage (up to 12 months). Annual and semi-annual policies are valid for unlimited travel abroad with the condition that each individual trip must not exceed 30 consecutive days.
SourceClaims notification deadline
Insured must report a claim immediately and submit formal claim notification no later than 30 days from the end of treatment or transportation to place of residence
SourceWebshop policy purchase deadline
Policies can be purchased online via webshop at the latest one day before the start of coverage. Same-day purchase is only possible at Adriatic insurance offices.
Source