Extracted from source documents

ADRIATIC osiguranje Travel insurance (Paket Putnog Osiguranja)

Underwritten by Adriatic osiguranje d.d. · Croatia

travel insurance from ADRIATIC osiguranje for the Croatia market, with online purchase and 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2022-09-05Sources

Online purchase24/7 helpline

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

Covered

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.

Clause Čl. 16Page 13

Section: Glava II. > Opseg obveza osiguratelja > Članak 16.

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

Covered

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.

Clause Čl. 15Page 12

Section: Glava II. > Članak 15.

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.

Covered

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.

Clause Čl. 16Page 13

Section: Glava II. > Opseg obveza osiguratelja > Članak 16.

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

Covered

Outpatient (ambulatory) treatment

Covered

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

Clause Čl. 16Page 13

Section: Glava II. > Opseg obveza osiguratelja > Članak 16.

ambulantno liječenje i medicinske tretmane u dnevnoj bolnici

Covered

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.

Clause Čl. 16Page 13

Section: Glava II. > Opseg obveza osiguratelja > Članak 16.

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

Covered

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.

Clause Čl. 16Page 13

Section: Glava II. > Opseg obveza osiguratelja > Članak 16.

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

Covered

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.

Clause Čl. 16Page 14

Section: Glava II. > Opseg obveza osiguratelja > Članak 16.

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

Covered

Repatriation of remains / burial abroad

€5K

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.

Clause Čl. 16Page 13

Section: Glava II. > Opseg obveza osiguratelja > Članak 16.

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.

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.

Excluded

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.

Clause Čl. 7Page 8

Section: Glava I. > Opća isključenja iz pokrića > Članak 7.

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

Conditional

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.

Clause Čl. 17 st. 2Page 17

Section: Glava II. > Isključenja osigurateljeve obveze > Članak 17.

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.

Conditional

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.

Clause Čl. 7Page 9

Section: Glava I. > Opća isključenja iz pokrića > Članak 7.

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

Excluded

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).

Clause Čl. 7Page 9

Section: Glava I. > Opća isključenja iz pokrića > Članak 7.

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

Conditional

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.

Clause Čl. 17Page 16

Section: Glava II. > Isključenja osigurateljeve obveze > Članak 17.

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

Optional

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.

Clause Čl. 28Page 23

Section: Glava IV. > Predmet osiguranja > Članak 28.

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

Optional

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.

Clause Čl. 36Page 27

Section: Glava IV. > Pravna zaštita > Članak 36.

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

Covered

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.

Clause Čl. 18Page 17

Section: Glava II. > Postupanje u slučaju ostvarenja osiguranog slučaja > Članak 18.

kontaktirati asistenciju osiguratelja putem kontakt telefona i pružiti sve potrebne podatke koje asistencija osiguratelja zatraži te se pridržavati uputa koje dobije od asistencije osiguratelja

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. Regardless of this exclusion, 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.

SourceClause Čl. 17 st. 2Page 17

Section: Glava II. > Isključenja osigurateljeve obveze > Članak 17.

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

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. 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.

SourceClause Čl. 17 st. 2Page 17

Section: Glava II. > Isključenja osigurateljeve obveze > Članak 17.

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

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.

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.

Territorial scope

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.

Documents

Terms and Conditions of the Travel Insurance Package (AD 2022/18.03-1) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) - Travel Insurance Package (opens in a new tab)

Product information sheet · PDF

Policy specifics

Accidental death and permanent disability

Coverage for sudden events resulting in death or permanent disability of the insured

Source

Section: Dodatno putno osiguranje > Posljedice nezgode na putu

Pokriva sve iznenadne događaje uslijed kojih je nastupila smrt ili trajni invaliditet osiguranika.

Private liability coverage

Optional coverage for civil liability arising from the insured's actions during travel

Source

Section: Dodatno putno osiguranje > Odgovornost prema trećim osobama

Pokriva odgovornost osiguranika za štetu zbog smrti, povrede tijela ili zdravlja treće osobe te oštećenja ili uništenja stvari treće osobe.

Baggage insurance

Optional coverage for loss, damage, or theft of traveler's personal belongings and luggage

Source

Section: Dodatno putno osiguranje > Nestanak ili oštećenje prtljage

Pokriva naknadu u slučaju gubitka, ostećenja ili uništenja prtljage, tj. stvari za osobnu uporabu osiguranika.

Accidental injury daily benefit

Optional daily compensation coverage for injuries sustained during travel

Source

Trip cancellation or interruption

Optional coverage for financial losses due to trip cancellation or interruption

Source

24-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

SourceClause Čl. 18Page 17

Section: Glava II. > Postupanje u slučaju ostvarenja osiguranog slučaja > Članak 18.

osiguranik ili netko u njegovo ime je obvezan bez odgode o istom, ODMAH, a najkasnije u roku od 24 sata od početka iznenadne bolesti ili nastanka nesretnog slučaja (nezgode) za vrijeme puta i boravka u inozemstvu, a u svakom slučaju prije nastanka troška pokrivenog ovim osiguranjem

Territorial 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.

Source

Section: Sve što trebate znati o putnom osiguranju u inozemstvu > Putno zdravstveno osiguranje > U kojim zemljama vrijedi polica putnog osiguranja?

Vaša polica osnovnog zdravstvenog osiguranja u inozemstvu vrijedi u cijelom svijetu osim na području Republike Hrvatske i u zemljama u kojima imate obvezno zdravstveno osiguranje.

Premium 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.

SourceClause Čl. 2Page 5

Section: Glava I. > Iznos osiguranja i premija > Članak 2.

Prvu ili jednokratnu premiju ugovaratelj osiguranja plaća prilikom sklapanja ugovora o osiguranju, a svaku sljedeću premiju prvog dana nakon svakog osigurateljnog razdoblja, ako nije drukčije ugovoreno.

Policy 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.

Source

Section: Sve što trebate znati o putnom osiguranju u inozemstvu > Putno zdravstveno osiguranje > Koje je minimalno, a koje maksimalno trajanje police putnog osiguranja?

Trajanje osiguranja možete ugovoriti za putovanje i boravak u inozemstvu od najkraće 24 sata do najduže jedne godine.

Claims 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

SourceClause Čl. 19Page 19

Section: Glava II. > Ostvarivanje prava iz osiguranja – dužnosti osiguranika > Članak 19.

Osiguranik odnosno korisnik osiguranja dužan je podnijeti osiguratelju prijavu osiguranog slučaja najkasnije u roku od 30 (trideset) dana od dana završetka liječenja ili prijevoza u mjesto prebivališta

Webshop 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

Section: Sve što trebate znati o putnom osiguranju u inozemstvu > Putno zdravstveno osiguranje > Kada počinje i kada prestaje vrijediti moja polica putnog osiguranja?

Policu putem webshopa možete ugovoriti najkasnije jedan dan prije početka osiguranja. U slučaju da želite ugovoriti policu istoga dana kada krećete na putovanje, to možete učiniti na prodajnome mjestu ADRIATIC osiguranja.

Sources

ADRIATIC osiguranje Travel insurance

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