Euroherc
Euroherc is a travel insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
If the policyholder contacts the insurer's assistance centre (AXA Assistance Deutschland GmbH, +386 2 616 5810) before incurring costs, medical expenses listed in Article 16 are settled directly by the assistance centre on behalf of the insurer. Drug costs are reimbursed upon submission of a claim. If contact is not made in advance, the policyholder pays out-of-pocket and is reimbursed after submitting a documented claim.
Geographic scope
HR
Worldwide except Croatia and the country where the policyholder holds mandatory health insurance; US, Canada, Japan and Australia only covered under the two highest coverage tiers (40,000 and 60,000 EUR). Accident and luggage coverage valid worldwide including Croatia.
Unique selling points
- Travel health insurance is underwritten in cooperation with AXA Assistance Deutschland GmbH, providing internationally coordinated 24/7 emergency medical assistance with a dedicated +386 2 616 5810 helpline and direct payment of hospital costs on behalf of the insurer.
- Medical expense coverage is available in seven selectable tiers from EUR 10,000 up to EUR 60,000, with the two highest tiers (40,000 and 60,000 EUR) including worldwide coverage extending to the USA, Canada, Japan, and Australia.
- Family children under 18 receive a 50% premium discount on the travel insurance policy, making family travel coverage significantly more affordable compared to individually priced policies.
- Coverage for unused prepaid ski lift passes (up to EUR 30/day, maximum 10 days) is included when an insured event forces the policyholder to be hospitalised for 3 or more days or to wear a plaster cast, reducing out-of-pocket losses from ski trips.
- The package travel insurance can be purchased entirely online through Euroherc's e-commerce platform, enabling instant issuance of a digital policy with payment by credit card including Maestro, Mastercard, Visa, and Diners Club.
Coverage limits
Emergency Medical Treatment Expenses
Covered
Covers costs of urgent and necessary medical treatment arising from sudden illness or accident abroad, up to the insured sum selected (10,000 / 15,000 / 20,000 / 25,000 / 30,000 / 40,000 / 60,000 EUR). Includes outpatient treatment, hospitalisation, surgery, prescribed medication, medical aids, diagnostic procedures, doctor house calls, and specialist clinic transfers when medically necessary. Provided in cooperation with AXA Assistance Deutschland GmbH.
Emergency Outpatient and Inpatient Treatment
Covered
Covers ambulatory treatment, day-hospital medical treatments, inpatient hospitalisation in a recognised hospital with permanent physician supervision, surgeries (including all related costs), radiotherapy, phototherapy, thermal therapy, X-ray and scanner diagnostics, ultrasound, laboratory diagnostics, ECG, and decompression chamber — all prescribed by a physician, up to the insured sum.
Hospitalisation
Covered
Covers inpatient hospitalisation in a generally recognised hospital in the country of stay, under permanent physician supervision, with sufficient diagnostic and therapeutic equipment. In case of an insured event, the nearest appropriate hospital to the policyholder's current location will be used. If hospitalisation abroad exceeds 5 days, the insurer also covers return travel for one person from Croatia and accommodation up to 7 nights at up to EUR 50 per night.
Outpatient Treatment
Covered
Covers ambulatory medical treatment, day-hospital treatments, prescribed medication, medical aids (crutches, plaster casts, etc.), physician house visits, and transport (ambulance, taxi or public transport) to the nearest clinic, hospital or available physician, including air ambulance transport. All must be prescribed by a physician.
Emergency Dental Treatment
Covered
Covers emergency dental treatment including tooth extraction, but only for the purpose of relieving acute toothache. Maximum EUR 200 per policyholder per insured event. Definitive dental treatment, jaw surgery (except accident cases), orthodontics, periodontics, tartar removal, tooth replacement/crowns/prosthetics are excluded.
Medical Transport
Covered
Covers transport costs by recognised emergency transport services, taxi or public transport for medical treatment to the nearest clinic, hospital or available physician, including air ambulance. Also covers delayed return of the policyholder to Croatia after medical treatment when their original ticket is no longer valid.
Medical Evacuation (Repatriation for Treatment)
Covered
Covers repatriation (including air repatriation) organised by the insurer's assistance centre from abroad to the policyholder's place of residence or the nearest hospital in Croatia for continuation of treatment, as soon as medically permitted. Particularly applicable when hospitalisation abroad is expected to exceed 5 days or adequate treatment cannot be provided abroad. If the policyholder refuses repatriation, the insurer's liability ceases for all subsequent costs.
Repatriation of Mortal Remains
Covered
In the event of the policyholder's death during travel and stay abroad, the insurer reimburses at actual cost up to EUR 5,000 for: (1) transport of the mortal remains to the policyholder's place of residence in Croatia, or (2) funeral expenses at the place of death abroad. If the policyholder is a foreigner who wishes repatriation to their home country, the insurer reimburses up to the cost of repatriation to Croatia.
Search and Rescue
Excluded
Search and rescue costs are not explicitly covered under this policy. The policy covers emergency medical transport (Article 16(1)(7)) and medical evacuation organised by the assistance centre, but standalone search and rescue operations are not listed as a covered benefit.
COVID-19 Treatment
Excluded
COVID-19 is not explicitly covered or excluded by name in the policy terms. However, the general exclusions (Article 7) exclude epidemics and pandemics, and Article 17(3) excludes HIV/AIDS, malignant diseases, diabetes, epilepsy and planned treatment abroad. COVID-19 arising from a pandemic event would likely fall under the epidemic/pandemic general exclusion.
Pre-existing Conditions
Excluded
Explicitly excluded. The insurer is not obliged to pay benefits for: (1) chronic diseases and their consequences or accident consequences that existed or were known or should have been known to the policyholder at the time of policy conclusion, regardless of whether treated or not; (2) diseases treated in the 6 months before the start of insurance or the start of an individual trip under an annual policy, including disease consequences. Also excluded: dialysis, HIV/AIDS, malignant and cancerous diseases, diabetes, epilepsy, sexually transmitted diseases, and transplanted/removed organ treatment costs.
Winter Sports Coverage
Conditional
Skiing and snowboarding are covered when performed on designated ski slopes. Skiing/snowboarding off designated slopes is explicitly excluded (Article 7(8)). For insured events during competitive winter sports training or competition, additional premium surcharges apply (30% for amateur athletes, 60% for professional athletes). The policy also covers unused prepaid ski passes if the policyholder must be hospitalised for 3+ days or immobilised with a cast, up to EUR 30 per day and a maximum of 10 days.
Adventure and Competitive Sports Coverage
Conditional
Recreational sport during the journey incurs no surcharge. Participation in competitions and training requires additional premium (30% surcharge for amateur athletes, 60% for professional athletes). Explicitly excluded without additional premium: car/karting/motorcycle racing, fast motor boat racing, scuba diving or underwater fishing without the required licence/certificate, speleology, alpinism, ice climbing, any activities above 6,000m altitude, fast-water sports, rafting, kitesurfing, ski jumping, parachute sports (including tandem), base jumping, bungee jumping, aerial gliding, motorised flight, paragliding, hot air ballooning.
Pregnancy Complications
Conditional
Covered only for life-threatening situations for the mother or child, subject to two cumulative conditions: (1) the pregnant person is under 38 years of age, and (2) the 30th week of pregnancy has not yet passed. Excluded: routine pregnancy check-ups, typical pregnancy complaints, childbirth, changes in chronic conditions due to pregnancy, and termination of pregnancy.
Private Liability Insurance
Optional
Optional component within the travel insurance package. Covers civil non-contractual liability of the policyholder and persons they are legally responsible for, for damage caused by death, bodily injury or health of a third party, or damage/destruction of third-party property during travel and stay abroad. Maximum indemnity amount EUR 66,361.40. Minors cannot be insured parties. Excludes: intentional damage, professional sports activity, property damage in Croatia, employer liability, liability from professional activities, pollution, firearms (except licensed hunting/amateur shooting), animals kept for commercial purposes.
Legal Assistance
Excluded
Standalone legal assistance coverage is not offered under this travel insurance package. However, the private liability component (Article 35-36) includes legal defence: the insurer will jointly defend against unfounded or excessive claims, conduct litigation in the policyholder's name, and bear litigation costs within the insured sum.
24/7 Assistance Centre
Covered
24/7 assistance service is included with the travel health insurance, operated in cooperation with AXA Assistance Deutschland GmbH, reachable at +386 2 616 5810. The policyholder must contact the centre immediately (at most within 24 hours of the onset of sudden illness or accident) and in all cases before incurring costs covered by this insurance. The centre coordinates with a local area coordinator, arranges the fastest available level of healthcare, and can arrange direct payment of medical costs on behalf of the insurer.
Key conditions
Assistance call deadline
The policyholder must contact the insurer's assistance centre (+386 2 616 5810) immediately, and in all cases within 24 hours of the onset of sudden illness or the occurrence of an accident during travel abroad, and in every case before incurring any costs covered by this insurance. If urgent contact is not possible before visiting a doctor or hospital, contact must be established as soon as possible. Upon hospital admission, the policyholder must show the travel insurance policy to medical staff.
Unauthorized treatment
If the policyholder fails to contact the assistance centre as required by Article 18, they must inform the insurer of the reasons for non-compliance. After assessing the obligation, the insurer will reimburse covered costs (including outpatient treatment and medications). Failure to comply with obligations under Article 18 and Article 19 results in a reduction of the insurer's obligation proportionate to the resulting harm, up to complete loss of insurance benefits.
Purchase while abroad
The insurance contract must be concluded exclusively before the start of the trip. A contract concluded after the trip has started is considered invalid and produces no rights or obligations for either party. Exceptionally, the policyholder may extend coverage under a policy concluded before the trip for a subsequent period after the originally planned expiry, provided there is no break in coverage.
Chronic conditions
Chronic diseases and their consequences, as well as accident consequences that existed, were known, or should have been known to the policyholder at the time of concluding the insurance policy — regardless of whether they were being treated — are excluded from coverage. Diseases treated in the 6 months prior to the start of insurance or the start of an individual trip under an annual policy (including their consequences) are also excluded.
Pregnancy
Pregnancy is covered only in life-threatening situations for the mother or child, subject to two cumulative conditions: (1) the pregnant policyholder is under 38 years of age, and (2) the 30th week of pregnancy has not yet passed. Routine pregnancy check-ups, typical pregnancy complaints during the course of pregnancy, childbirth, changes in chronic conditions as a consequence of pregnancy, and termination of pregnancy are excluded.
pre_existing_conditions
Pre-existing conditions are explicitly excluded. This includes: chronic diseases and their known consequences; any illness treated in the 6 months before the policy start or the start of a trip under an annual policy; planned treatment abroad; treatment of transplanted or removed organs; HIV/AIDS; malignant and cancerous diseases; diabetes; epilepsy; and sexually transmitted diseases.
coverage_duration_limit
The insurance policy can be concluded for travel and stay abroad for a minimum of 24 hours and a maximum of one year (annual policy). An annual policy is valid for an unlimited number of trips abroad. However, under an annual policy (Plan GP) or semi-annual policy (Plan PGP), each individual trip may last a maximum of 30 consecutive days. If an individual trip exceeds 30 consecutive days, the insurer is not obliged to pay benefits for an insured event occurring after this deadline. Exceptionally, if an insured event (health insurance) occurred before the 30th day of an individual trip abroad, coverage extends for a further 30 days, provided it can be proven that return transport was not possible.
Where to buy
Policy specifics
Trip cancellation insurance
Covers cancellation due to unforeseen circumstances including death, accident, sudden acute illness, pregnancy complications, vaccine intolerance, property damage, natural disasters, military drills, or work obligations
Trip interruption insurance
Covers interruption of ongoing trip, applicable only if interruption occurs during no more than 50% of estimated trip duration
Luggage delay protection
Covers cost of replacement items up to 250 EUR when checked luggage arrives more than 8 hours after arrival at destination
Sports equipment rental coverage
Covers rental costs of replacement sports equipment if personal equipment is destroyed, stolen or damaged beyond safe use, up to 400 EUR
Medical repatriation and death transport
Covers transport costs of policyholder from foreign country to permanent residence or funeral expenses in place of death abroad, up to 5,000 EUR
Specialized clinic transfer
Covers costs of switching to specialized clinic if medically necessary and prescribed by physician
Age surcharge for seniors 65+
Persons over 65 years pay additional surcharge of 80% of premium; persons over 70 pay additional 100% of premium
Competitive sports and training surcharge
Persons participating in competitions and training during travel pay additional surcharge; amateur athletes pay 30% surcharge, professional athletes 60% surcharge
Geographic coverage exclusions
Coverage excludes US, Canada, Japan, and Australia except for two highest coverage tiers (40,000-60,000 EUR); lower tiers cover all countries except these four
Family and group discounts
DUO or TRIO package (spouses/siblings) receive 10% discount; family children under 18 receive 50% discount, family members over 18 receive 10% discount
Medical expense coverage tiers
Available coverage amounts: 10,000 EUR, 15,000 EUR, 20,000 EUR, 25,000 EUR, 30,000 EUR, 40,000 EUR, 60,000 EUR
AXA Assistance Deutschland partnership
Travel health insurance provided in cooperation with AXA Assistance Deutschland GmbH; medical services coordinated through this partner
Minors cannot be private liability insured parties
Minors cannot be insured parties under private liability insurance; only adults can be primary insureds