Croatia osiguranje
Croatia osiguranje is a travel insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
The insurer reimburses documented, justified and necessary medical costs up to the agreed insured sum. The insurer organises and covers repatriation transport directly; if the insured or family arranges transport without prior insurer approval, the insurer covers only up to the amount it would have paid as organiser. All claims are settled exclusively in the Republic of Croatia on the basis of a fully completed claim form with original invoices.
Geographic scope
worldwide
All countries worldwide except the insured's country of residence or the country where the insured exercises healthcare rights. For Croatian citizens, transit through all countries is covered for up to 24 hours. Coverage for foreigners is limited to the territory of the Republic of Croatia unless otherwise agreed.
Unique selling points
- COVID-19 illness treatment and repatriation are included in the standard coverage at no extra cost.
- Three coverage programs (A, B, C) offer insured sums up to 100,000 EUR for a single combined illness and accident event.
- 24/7 telephone assistance is included with every policy for emergency coordination worldwide.
- 15% online discount is automatically applied when purchasing through the insurer's webshop.
- Helicopter emergency rescue is covered up to 2,500 EUR even in the entry-level Program A.
Coverage limits
Medical expenses (emergency medical treatment)
Covered
Covers necessary emergency medical treatment costs during temporary stay abroad due to sudden illness or accident. Program A: up to 10,000 EUR (illness) / 15,000 EUR (accident); Program B: up to 30,000 EUR (illness) / 30,000 EUR (accident); Program C: up to 100,000 EUR combined for all cases of illness and accident. Covers outpatient treatment, medicines, diagnostic imaging, hospitalisation, surgery, and medically necessary transport.
Emergency medical treatment
Covered
The insurer provides coverage for emergency medical care required due to sudden illness or consequences of an accident during a stay abroad. Covered costs include outpatient treatment, prescribed medicines and medical aids, diagnostic imaging (X-ray, ultrasound, MRI), hospitalisation, surgery, and transport by recognised emergency services to the nearest hospital or doctor.
Hospitalisation
Covered
Inpatient hospital treatment including surgery and related costs is covered within the overall insured sum. The hospital used must be a facility generally recognised as a hospital in the country where the insured event occurred, providing continuous medical supervision, adequate diagnostic and therapeutic equipment, and scientifically recognised treatment methods. Coverage limits match the program selected (A, B, or C).
Outpatient (ambulatory) treatment
Covered
Outpatient (ambulatory) medical treatment is covered, including prescribed medicines and medical aids, and diagnostic imaging (X-ray, ultrasound, MRI). Covered within the overall insured sum per the selected program.
Emergency dental treatment
Covered
Dental treatment is covered only in case of acute toothache, up to a maximum of 100 EUR. Routine dental treatment or other dental procedures are not covered.
Medical transport / repatriation to country of residence
Covered
Covers justified and necessary transport costs back to the insured's place of residence if the insured cannot return by their original planned means due to medical reasons. Under Program A, the limit is 2,000 EUR. The insurer organises repatriation; if the insured arranges transport independently without prior insurer consent, the insurer is not liable for those costs. The insurer's doctors exclusively decide on the necessity and implementation of repatriation.
Medical evacuation
Covered
Covers transport to a specialist clinic if medically necessary and prescribed by a doctor, and repatriation to the insured's country of residence when medically justified. Under Program A, the repatriation transport limit is 2,000 EUR. The insurer organises evacuation/transport and its doctors decide on necessity.
Repatriation of mortal remains
Covered
Covers the justified and necessary costs of transporting the deceased to the place of residence stated in the policy. Under Program A, the limit is 3,000 EUR. The insurer organises transport; if the family arranges transport before insurer approval, the insurer covers costs up to the amount it would have borne as organiser.
Helicopter emergency medical rescue
Covered
Helicopter emergency medical rescue is covered up to 2,500 EUR under Program A. Covered within the overall medical insured sum under Programs B and C.
COVID-19 treatment
Covered
Coverage for medical expenses and hospitalisation resulting from COVID-19 (SARS-CoV-2) infection is included in the standard coverage. Repatriation costs to the home country in connection with COVID-19 illness are also covered. Coverage limits match the selected program.
Pre-existing / chronic conditions
Conditional
Chronic diseases, recurring conditions, stress-related mental disorders, and all illnesses previously diagnosed and treated before the insurance contract was concluded are generally excluded. Exceptionally, costs necessary to bring the insured out of life-threatening danger are covered up to a total of 250 EUR. If additionally agreed and an extra premium is paid, and if a listed condition places the insured in a life-threatening situation requiring emergency medical care, the insurer will cover the necessary medical intervention costs up to the agreed insured sum for illness; other medical services, treatments, and aids arising from such intervention are not reimbursed.
Winter sports / skiing coverage
Optional
Sports and recreational activities including skiing are not covered unless an additional premium (doplatna premija) is paid. When skiing cover is active, the policy also provides reimbursement for unused ski-passes up to 20 EUR per day for up to 8 days if the insured is hospitalised for more than 3 days due to a skiing accident. Off-piste skiing and diving are explicitly excluded even with the sports add-on.
Sports and recreational activities coverage
Optional
Sports and recreational activities (including professional manual or physical activities) are only covered if an additional premium is paid. Alpinism, sport flying, skydiving, hang-gliding, gliding, off-piste skiing, and diving are explicitly excluded even with the sports add-on. Participation in auto-motor competitions and preparations for them are also excluded.
Pregnancy complications
Excluded
Childbirth and pregnancy complications after 6 months of pregnancy are explicitly excluded from coverage. Costs related to fertility treatment and artificial insemination, including contraception, are also excluded.
Personal liability
Not offered
Personal liability coverage is not included in or described by the standard travel medical insurance product. It is not mentioned in the T&C or IPID for this product.
Legal assistance
Not offered
Legal assistance is not included in or described by the standard travel medical insurance product. It is not mentioned in the T&C or IPID for this product.
24/7 telephone assistance
Covered
24/7 telephone assistance is included with the policy. The insured must notify the insurer or its assistance representative immediately upon occurrence of the insured event, or in justified cases no later than 48 hours from the start of illness or accident, and in all cases before incurring costs covered by this insurance. The insured must follow instructions received from the insurer or its representative.
Key conditions
Assistance call deadline
The insured must notify the insurer or its assistance representative immediately upon occurrence of the insured event, or in justified cases no later than 48 hours from the start of illness or the accident, and in all cases before incurring any cost covered by this insurance. Failure to notify on time may result in termination of all insurer obligations.
Unauthorized treatment
If the insured independently determines the manner, form or scope of treatment, repatriation or transport without insurer approval, the insurer is not liable for the costs incurred. If the insured refuses repatriation organised by the insurer, the insurer's obligations cease for all contracted costs from the moment of refusal.
Purchase while abroad
The insurance contract must be concluded and the premium paid exclusively before the start of the trip abroad. A contract concluded after the start of travel is considered invalid.
Chronic conditions
Chronic diseases, recurring conditions, stress-related mental disorders, and all illnesses previously diagnosed and treated before the insurance contract was concluded are generally excluded. Exceptionally, up to 250 EUR is covered to bring the insured out of life-threatening danger. With an additional premium, life-saving intervention costs are covered up to the agreed insured sum; other related services are not reimbursed.
Pregnancy
Childbirth and complications in pregnancy after 6 months of pregnancy are excluded from coverage. Costs related to artificial insemination, other fertility treatments, and contraception are also excluded.
pre_existing_conditions
All pre-existing conditions (illnesses diagnosed or treated before taking out the insurance) are excluded, except for emergency life-saving treatment up to 250 EUR. Coverage for pre-existing conditions causing a life-threatening emergency can be extended with an additional premium, limited to the agreed insured sum for illness and only for the life-saving intervention itself.
coverage_duration_limit
Insurance can be taken out for stays abroad of up to one year. For annual multi-trip policies, each individual trip may last a maximum of 30 days; risks arising after expiry of the agreed individual trip period are not covered. Trips must start from the Republic of Croatia.
Where to buy
Policy specifics
Medical emergency during travel abroad
Coverage for sudden illness or accidents requiring immediate medical care during travel outside the country of residence
Baggage loss or damage
Optional coverage for loss, damage, or theft of luggage during travel
COVID-19 hospitalization coverage
Includes coverage for hospital treatment costs resulting from COVID-19 infection
Emergency notification requirement
Insured must report occurrence of insured event immediately and submit claim notification at latest within 30 days of treatment completion or repatriation
Coverage begins upon border crossing
Insurance coverage begins at 00:00 on the stated start date but not before the insured crosses the state border leaving the Republic of Croatia for travel abroad
Maximum contract duration
Contract for individual trip or unlimited trips within specified period (up to 1 year maximum)
Risk disclosure obligation
Policyholder and insured must disclose all circumstances significant for risk assessment when concluding insurance contract and during contract term