ADRIATIC osiguranje
ADRIATIC osiguranje is a travel insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
If the insured contacts the insurer's assistance before incurring any covered costs (as required by Article 18 of the T&C), covered costs listed in Article 16 are settled directly by the insurer's assistance on behalf of the insurer, with the exception of medication costs which are reimbursed upon claim submission.
Geographic scope
HR
Worldwide except Croatia and countries where the insured has mandatory health insurance (for voluntary health insurance abroad). For accident and baggage: worldwide including Croatia.
Unique selling points
- Worldwide coverage (except country of mandatory health insurance) with direct billing to the insurer's 24/7 assistance centre – the insured does not pay out of pocket for covered medical costs if assistance is contacted first.
- Package structure allows optional add-on of personal accident, personal liability, baggage and trip cancellation coverage within a single policy, tailored to each traveller's needs.
- Annual and semi-annual multi-trip policies (Plan GP / Plan PGP) available for unlimited trips abroad with competitive premiums, offering up to 70% savings for frequent travellers.
- Emergency dental treatment covered up to EUR 200 per insured event, and unused ski lift passes reimbursed up to EUR 30 per day for up to 10 days in case of hospitalisation or immobilisation.
- Policy can be purchased entirely online via the webshop in minutes, with instant issuance, and is available to both individuals and legal entities (companies, sole traders).
Coverage limits
Medical expenses
€60,000
Maximum selectable coverage amount. Available tiers: 10,000, 15,000, 20,000, 25,000, 30,000, 40,000, and 60,000 EUR. Covers emergency and necessary medical treatment abroad up to the selected insured sum.
Emergency medical treatment – sudden illness or accident abroad
Covered
The insurer covers urgent and necessary medical treatment required as a consequence of sudden illness or accident during travel and stay abroad. Coverage begins with the onset of medical treatment and ends when, from a medical standpoint, no further need for treatment exists. In life-threatening situations, the insurer will cover medical treatment regardless of exclusions.
Hospitalisation
Covered
Covered up to the insured amount stated in the policy. Includes hospitalisation in an institution generally regarded as a hospital in the country of stay, under continuous medical supervision, with adequate diagnostic and therapeutic equipment using scientifically recognised treatment methods. In case of hospitalisation lasting more than 5 days, additional benefits apply: travel costs for one companion from Croatia and accommodation up to 7 nights at EUR 50/night.
Outpatient treatment
Covered
Covered up to the insured amount; includes outpatient treatment and medical procedures in day hospitals, prescribed medications, medical aids, diagnostic procedures, and home doctor visits.
Emergency dental treatment
Covered
Dental treatment is covered exclusively for the purpose of relieving acute toothache, up to EUR 200 per insured person per insured event. Definitive dental treatment, jaw surgery (except in case of accident), orthodontics, periodontics, tartar removal, extraction or replacement of teeth, crowns, dentures and their installation are explicitly excluded.
Medical transport
Covered
Covered up to the insured amount. Includes transport by recognised ambulance services, taxi, or public transport to the nearest clinic or hospital or nearest available doctor, including air ambulance transport. Also covers transfer to a specialist hospital if medically necessary and prescribed by a doctor.
Medical evacuation / repatriation
Covered
Covered up to the insured amount. Repatriation (including air repatriation) is organised by the insurer's assistance from abroad to the insured's place of residence or the nearest hospital in Croatia for continuation of treatment, as soon as medically permitted, especially if hospitalisation is expected to exceed 5 days or adequate treatment cannot be provided abroad. Medical personnel accompanying the insured are also covered if medically required. If the insured refuses repatriation, the insurer's obligation for subsequent costs ceases.
Repatriation of mortal remains
Covered
In the event of the insured's death during travel and stay abroad, the insurer covers the transport of mortal remains to the insured's place of residence in Croatia, or the costs of burial at the place of death abroad, up to EUR 5,000. If the insured is a foreigner whose family wishes repatriation to another country, the insurer covers costs up to the equivalent of repatriation to Croatia.
Search and rescue
Not offered
Search and rescue costs are not explicitly covered or mentioned in the policy terms or IPID. The product covers medical transport and evacuation as part of the medical expenses section, but standalone search and rescue operations are not referenced.
COVID-19 treatment
Conditional
The policy excludes events arising from epidemics and pandemics that were known before the start of travel (Article 7, paragraph 1). COVID-19, as a pandemic-related illness, falls under general exclusions if the pandemic was known before the journey commenced. There is no specific COVID-19 coverage clause in the policy terms or IPID.
Pre-existing conditions
Excluded
The insurer is not obliged to pay compensation for chronic diseases and their consequences or for conditions that existed, were known, or should have been known to the insured at the time of concluding the insurance policy, regardless of whether they were treated. Also excluded are illnesses treated in the 6 months prior to the start of coverage, including their consequences. Specific conditions explicitly excluded: transplanted/removed organs, HIV/AIDS, malignant and cancerous diseases, diabetes, epilepsy, sexually transmitted diseases, dialysis. Exception: the insurer will cover medical treatment in any life-threatening situation.
Winter sports cover
Conditional
Skiing and snowboarding on designated ski slopes are not explicitly excluded; however, skiing and snowboarding off designated ski slopes are excluded under Article 7 (general exclusions). Additionally, coverage for amateur sports activities during training or competitions requires special agreement and payment of an additional premium if the insured is a professional or amateur athlete. The policy also covers unused ski lift passes (skipass) up to EUR 30/day and up to 10 days if the insured must be hospitalised or immobilised for 3 or more days due to an insured event.
Adventure / extreme sports cover
Excluded
Explicitly excluded under general exclusions (Article 7): participation in auto, karting, motorcycle and similar races including speedboat races, diving with tanks or underwater fishing without appropriate certification, speleology, alpinism, ice climbing, any activities above 6,000 m altitude, white-water sports, rafting, kitesurfing, and ski jumping. Parachute jumps, bungee jumping, base jumping, paragliding, motor flying, and hot air ballooning are also excluded (Article 53). Coverage for amateur sports during training or competitions requires special agreement and additional premium.
Pregnancy complications
Conditional
Routine pregnancy examinations, typical pregnancy complaints, and childbirth are excluded (Article 17, paragraph 1, point 14). However, coverage is provided in life-threatening situations for the mother or child, on the condition that the pregnant woman is under 38 years of age and has not passed the 30th week of pregnancy. Costs of termination of pregnancy are also excluded (Article 17, paragraph 1, point 15).
Personal liability insurance
Optional
Optional coverage within the travel insurance package. Covers civil extra-contractual liability of the insured and persons for whom the insured is legally responsible, for damage caused by death, bodily injury or damage to property of third parties during travel and stay abroad. Covers liability as a private individual in daily life, bicycle ownership and use, non-motorised watercraft up to 4 metres, amateur sports (except hunting, combat and auto-motor sports), licensed firearm ownership and pet ownership. Explicitly excluded: damage caused in Croatia, intentionally caused damage, damage from professional sports, and damage from motor vehicle use.
Legal assistance
Conditional
Standalone legal assistance coverage is not offered in this product. Legal protection under the personal liability module (Article 35–36) covers defence against third-party damage claims and court proceedings related to covered liability events, but is available only if the optional personal liability cover is selected and activated within the package.
24/7 assistance
Covered
The insurer provides a 24/7 assistance centre (available on the telephone number listed on the policy) which provides support to the insured upon the occurrence of an insured event. In the event of an insured event, the insured must contact the insurer's assistance immediately, at the latest within 24 hours of the onset of illness or accident, and always before incurring any covered costs. The assistance centre coordinates direct payment of medical expenses and organises repatriation.
Key conditions
Assistance call deadline
The insured or someone on their behalf must contact the insurer's 24/7 assistance centre immediately upon the occurrence of an insured event, at the latest within 24 hours of the onset of sudden illness or accident during travel abroad, and in all cases before incurring any covered costs. If urgent contact is not possible before seeing a doctor or going to hospital, contact must be made without delay as soon as possible. Failure to comply may reduce the insurer's obligation in proportion to any increased damages resulting from non-compliance, up to and including full loss of claim rights.
Unauthorized treatment
If the insured does not contact the insurer's assistance before incurring costs (as required), the insured must inform the insurer of the reasons. The insurer will then reimburse covered costs (including outpatient treatment and medication) after verifying the obligation. However, costs that are unreasonably high, or relate to non-urgent treatment that could have been postponed until return to Croatia, will not be reimbursed. Additionally, repatriation costs are not reimbursable if transport is organised by the insured without the insurer's consent.
Purchase while abroad
The insurance contract must be concluded exclusively before the start of the journey. A contract concluded after the start of travel is considered invalid and produces no rights or obligations for either party. Exceptionally, the insured may extend an existing policy for a subsequent period, provided there is no break in coverage.
Chronic conditions
Chronic diseases and their consequences are excluded from coverage, as are conditions 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. Diseases treated in the 6 months prior to the start of coverage (or the start of an individual trip under an annual policy) are also excluded, including their consequences. Specific chronic conditions explicitly excluded include: transplanted/removed organs, HIV/AIDS, malignant and cancerous diseases, diabetes, epilepsy, sexually transmitted diseases, and dialysis.
Pregnancy
Routine pregnancy check-ups, typical pregnancy complaints, and childbirth (including changes in chronic conditions as a consequence of pregnancy) are excluded. Coverage is provided only in life-threatening situations for the mother or child, on the condition that the pregnant woman is under 38 years of age and has not passed the 30th week of pregnancy. Costs of termination of pregnancy are also excluded.
pre_existing_conditions
All pre-existing conditions – whether chronic, previously treated, or known (or that should have been known) at the time of policy conclusion – are excluded. Additionally, illnesses for which the insured received treatment in the 6 months prior to the start of the insurance or prior to the start of an individual trip under an annual policy are excluded, including their consequences. Exception: coverage applies in any life-threatening situation.
coverage_duration_limit
Coverage can be arranged for a minimum of 24 hours and a maximum of one year (annual policy). Annual policies (Plan GP) and semi-annual policies (Plan PGP) are valid for an unlimited number of trips abroad, but each individual trip may not exceed 30 consecutive days. If a trip exceeds 30 days, the insurer is not obliged to pay for insured events that occur after this period. Exception: if an insured event under the voluntary health insurance module occurred before the 30th day, coverage extends for an additional 30 days, provided the insured can prove that transport to their place of residence was not possible.
Where to buy
Policy specifics
Medical expense limit
The policy covers urgent and necessary medical treatment expenses during travel abroad, up to the insured amount selected at the time of policy conclusion
Geographic coverage - mandatory health insurance exclusion
The policy is valid worldwide except in countries where the insured already has mandatory health insurance (e.g., Croatian citizens in Croatia)
Emergency assistance contact requirement
In case of an insured event, the insured or someone on their behalf must contact the insurer's assistance immediately, within 24 hours of the onset of illness or accident
Trip duration limits by policy type
Short-term policies are available for daily travel periods, while annual/semi-annual policies are valid for unlimited trips with each trip limited to max 30 consecutive days
Epidemic and pandemic exclusion
The policy does not cover cases arising from epidemics, pandemics, earthquakes, pollution and natural disasters that were known before the start of travel
Mandatory contact with assistance before incurring costs
The insured must contact the insurer's assistance before incurring any costs covered by the policy, except for medications purchased
Insurance protection begins only after premium payment
Coverage starts only when the first or lump sum premium has been paid as agreed in the policy contract
Cancellation right within 14 days for long-term policies
Policyholders have the right to cancel and receive a refund if requested before the insurance coverage begins (reduced by policy issuance costs)
Continued coverage for ongoing treatment after policy expiry
If medical treatment started during coverage period requires continuation after policy expiry, coverage extends up to 30 days from expiry date if transport is not possible