Croatia osiguranje Travel insurance (Dragovoljno Putno Zdravstveno Osiguranje)

15% discount for contracting travel insurance online through the insurer's webshop.

COVID-19 illness treatment abroad is included within the standard medical expenses cover, at no extra cost.

Family policies cover children up to 28 years of age travelling with their parents in the same arrangement.

A dedicated SKI travel insurance option is available online with a 20% discount for winter-sports travellers.

Assistance call deadline

The insured must notify the insurer or its representative immediately upon the insured event; only in justified cases is notice accepted within 48 hours of the onset of illness or the accident, and in any case before costs covered by this insurance are incurred. Failure to notify voids the insurer's obligation.

Section: V ISKLJUČENJA I OGRANIČENJA OSIGURATELJNE OBVEZE > Članak 9

ne obavijesti osiguratelja ili njegovog predstavnika, telefonom, telefaksom ili pismom, odmah po nastupu osiguranog slučaja, odnosno u opravdanim slučajevima najkasnije u roku od 48 sati od početka bolesti ili nastanka nezgode za vrijeme putovanja i boravka u inozemstvu, a u svakom slučaju prije nastanka troška pokrivenog ovim osiguranjem;

Unauthorized treatment

Coverage ceases if the insured arbitrarily determines the manner, form or scope of treatment, repatriation or transport, refuses a medical examination requested by the insurer, or refuses repatriation approved by the insurer's physicians; in the case of refused repatriation, obligation ceases for all costs arising from that moment.

Purchase while abroad

The insurance contract must be signed and the premium paid exclusively before the start of travel abroad; a contract concluded after the trip has begun is considered invalid/void.

Chronic conditions

All chronic illnesses, recurring conditions and illnesses already diagnosed and treated before the policy was concluded are excluded, except for costs necessary to bring the insured out of life-threatening danger, capped at 250 EUR in total. For an extra premium, if specially agreed, the necessary costs of a life-saving emergency medical intervention caused by such an illness are covered up to the illness sum insured; any further medical services, treatments or aids needed after that intervention are not reimbursed.

Section: V ISKLJUČENJA I OGRANIČENJA OSIGURATELJNE OBVEZE > Članak 7

Iznimno, ako je posebno ugovoreno i plaćena doplatna premija te ako je koja od navedenih bolesti dovela osiguranika u stanje zbog kojeg mu je bila pružena hitna medicinska pomoć zbog spašavanja života, osiguratelj će pokriti nužne troškove medicinske intervencije vezane uz spašavanje života do ugovorenog iznosa za slučaj bolesti, dočim druge medicinske usluge, tretmane i pomagala za kojim nastane potreba povodom takve intervencije, osiguratelj ne nadoknađuje;

Pregnancy

Childbirth and pregnancy complications occurring after the 6th month of pregnancy are excluded from cover.

Pre-existing condition exclusions

Pre-existing conditions already diagnosed/treated before the insurance was concluded are excluded except for costs necessary for emergency stabilization up to 250 EUR. For an extra premium, if specially agreed, the necessary costs of a life-saving emergency medical intervention caused by such a condition are covered up to the illness sum insured; any further medical services, treatments or aids needed after that intervention are not reimbursed.

Section: V ISKLJUČENJA I OGRANIČENJA OSIGURATELJNE OBVEZE > Članak 7

Iznimno, ako je posebno ugovoreno i plaćena doplatna premija te ako je koja od navedenih bolesti dovela osiguranika u stanje zbog kojeg mu je bila pružena hitna medicinska pomoć zbog spašavanja života, osiguratelj će pokriti nužne troškove medicinske intervencije vezane uz spašavanje života do ugovorenog iznosa za slučaj bolesti, dočim druge medicinske usluge, tretmane i pomagala za kojim nastane potreba povodom takve intervencije, osiguratelj ne nadoknađuje;

Coverage duration limit

The insurance can be concluded for a stay abroad of up to one year; an individual annual policy for unlimited trips covers each individual trip up to 30 days, and transit through countries is covered up to 24 hours.

Direct payment

This is a reimbursement-based product: the insured (or a person who paid the costs) must notify the insurer/assistance immediately upon occurrence of the insured event and, in principle, before costs are incurred, then submit original invoices and medical documentation for reimbursement up to the insured sum.