CROATIA osiguranje d.d.

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.

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

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.

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

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

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.

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.

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.

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).

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. Full cover for complications of such conditions leading to life-saving emergency treatment can be added for an extra premium.

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.

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.

Not mentioned in the reviewed policy documents for this product.

Not mentioned in the reviewed policy documents for this product.

The general product documents reference the insurer's assistance office for approvals (e.g. repatriation) but do not explicitly state 24/7 availability for this specific product.