EUROHERC osiguranje d.d.
Euroherc
Euroherc is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
If the insured contacts the insurer's assistance service before incurring costs as required, the medical costs covered under Article 16 of the T&Cs are settled directly by the assistance provider on behalf and for the account of the insurer, except for the cost of medicines, which is reimbursed to the insured upon submission of a claim.
Geographic scope
Worldwide, excluding Croatia and the country where the insured has mandatory health insurance
For sums insured of EUR 10,000-30,000, cover excludes the USA, Canada, Japan and Australia; the EUR 40,000 and EUR 60,000 tiers are valid worldwide with no country exclusions
Unique selling points
- Top coverage tier of EUR 60,000 for medical expenses valid worldwide, including the USA, Canada, Japan and Australia.
- Covered medical costs are settled directly by the AXA Assistance network on the insurer's behalf, so the insured generally does not need to pay out of pocket except for medicines.
- 24/7 emergency assistance line operated in cooperation with AXA Assistance Deutschland GmbH for coordinating medical care abroad.
- Generous family discounts: 50% off for children under 18 and 10% DUO/TRIO discount for spouses or siblings travelling together.
- No premium surcharge for recreational sport during the trip, and cover automatically extends up to 30 days beyond policy expiry if returning home is medically impossible.
Coverage limits
Medical Expenses (Sum Insured)
€10,000 – €60,000
The insured can select a sum insured of EUR 10,000, 15,000, 20,000, 25,000, 30,000, 40,000 or 60,000, representing the maximum amount the insurer owes per insured event. The two highest tiers (40,000 and 60,000 EUR) are valid worldwide; the lower tiers exclude the USA, Canada, Japan and Australia.
Emergency Medical Treatment
€10,000 – €60,000
Reimburses costs of urgent necessary medical treatment abroad due to sudden illness or accident (outpatient care, day-hospital treatment, prescribed medicines, medical aids, diagnostics, hospital treatment, surgery, home doctor visits), up to the selected sum insured (Article 16).
Hospitalization
Covered
Hospital treatment in an institution generally regarded as a hospital in the country of stay, under permanent medical supervision, is covered with no separate sub-limit; it falls within the overall selected sum insured (Article 16(1)(6)).
Outpatient Treatment
Covered
Ambulatory treatment and day-hospital medical treatment are covered with no separate sub-limit, within the overall sum insured (Article 16(1)(1)).
Emergency Dental Treatment
€200
Dental treatment, including tooth extraction, is covered only for relief of acute toothache, up to EUR 200 per insured person and per insured event (Article 16(1)(10)); routine or final dental treatment, orthodontics, crowns and dentures are excluded (Article 17(1)(19)).
Medical Transport
Covered
Transport costs by recognized ambulance, taxi or public transport services to the nearest clinic or hospital, including air ambulance transport, and transfer to a specialized clinic when medically necessary, are covered within the overall sum insured (Article 16(1)(7)-(8)).
Medical Evacuation / Repatriation for Treatment
Covered
Repatriation (including by air), organized by the insurer's assistance, from abroad to the insured's place of residence or the nearest hospital in Croatia to continue treatment, particularly if hospitalization is expected to exceed 5 days, is covered within the sum insured; additional costs of accompanying medical staff are also reimbursed if medically required. Repatriation not arranged by, or without the consent of, the insurer's assistance is not reimbursed (Article 16(3)(2)).
Repatriation of Remains
€5,000
In the event of death abroad, the insurer reimburses, up to actual costs and a maximum of EUR 5,000, either transport of the insured's remains to their place of residence in Croatia or burial at the place of death abroad (Article 16(2)).
Search and Rescue
Excluded
Search and rescue costs are not among the categories of expense listed as covered under Article 16, and Article 17(1)(21) excludes all other costs for which the insurer is not obligated under that article.
COVID-19 Treatment
Excluded
All insurer obligations are excluded when the insured event arises from an epidemic or pandemic, which are among the general exclusions applicable to all insurances under this package (Article 7(1)(1)).
Pre-existing Conditions
Excluded
Excluded from cover are chronic illnesses and their consequences that existed or were known (or should have been known) to the insured at policy inception, as well as any illness treated by the insured in the 6 months before the start of the insurance, including its consequences (Article 17(1)(1)-(2)).
Winter Sports Cover
Optional
Cover for accidents occurring during amateur or professional sporting activity (incl. skiing/snowboarding) requires special agreement in the policy and payment of an increased premium (30% surcharge for amateur athletes, 60% for professional athletes; no surcharge for recreational sport) per Article 17(1)(11) and the insurer's website. Skiing and snowboarding off marked/prepared ski slopes are permanently excluded (Article 7(1)(8)). A separate benefit reimburses an unused ski-pass up to EUR 30/day for up to 10 days if the insured must be hospitalized or immobilized (cast) for 3+ days (Article 16(3)(5)).
Adventure/Extreme Sports Cover
Optional
General amateur/professional sporting risk can be added by special agreement and an increased premium (Article 17(1)(11)). However, a fixed list of extreme activities is permanently excluded regardless of surcharge: speleology, alpinism, ice climbing, any activity above 6,000 m altitude, whitewater sports, rafting, kitesurfing, ski jumping, and skydiving/base jumping/bungee jumping other than as a passenger on public transport (Article 7(1)(8)).
Pregnancy Complications
Conditional
Costs related to pregnancy check-ups, typical pregnancy complaints or childbirth are excluded, except to save the life of the mother or child, and then only if the pregnant woman is under 38 years of age and has not passed the 30th week of pregnancy; costs of termination of pregnancy are always excluded (Article 17(1)(14)-(15)).
Personal Liability
Optional
Private liability insurance (covering civil non-contractual liability for death, bodily injury, or damage/destruction of a third party's property during travel and stay abroad) is a separate module of the travel insurance package (Glava IV) that must be specifically contracted and for which premium must be paid; it is not automatically included with the health module.
Legal Assistance
Optional
Legal defense against unfounded or excessive third-party claims is provided under the separately-contracted private liability module (Articles 35-36), not as part of the base health cover.
24/7 Assistance
Covered
A 24/7 emergency assistance centre, provided in cooperation with AXA Assistance Deutschland GmbH, can be reached at +386 2 616 5810 for coordination of medical treatment abroad.
Key conditions
Assistance call deadline
The insured (or someone on their behalf) must immediately, and at the latest within 24 hours of the onset of sudden illness or an accident, contact the insurer's 24/7 assistance centre by phone before incurring any covered cost, provide the requested information, and follow the instructions given.
Unauthorized treatment
Failure to notify the insurer's assistance before incurring costs, or arranging repatriation without the insurer's consent, reduces the insurer's obligation proportionally to the resulting extra damage and may lead to complete loss of the right to indemnity; repatriation organized independently of, or without the consent of, the insurer's assistance is not reimbursed.
Purchase while abroad
The insurance contract must be concluded before the trip begins; a contract concluded after departure is considered invalid and produces no rights or obligations for the parties. An existing policy may only be extended for a following period without any interruption of cover.
Chronic conditions
Costs arising from chronic illnesses and their consequences that existed or were known (or should have been known) to the insured at the time the policy was concluded are excluded from cover, regardless of whether they were treated.
Pregnancy
Costs related to pregnancy check-ups, typical pregnancy complaints or childbirth are excluded, except to save the life of the mother or child, and only if the pregnant woman is under 38 years old and has not passed the 30th week of pregnancy; termination of pregnancy costs are always excluded.
Pre-existing condition exclusions
Illnesses treated by the insured in the 6 months before the start of the insurance (or before the start of an individual trip under an annual policy), including their consequences, are excluded from cover.
Coverage duration limit
Cover can be contracted from 24 hours up to a maximum of one year (annual policy). Under the annual ('Plan GP') or semi-annual ('Plan PGP') policy, each individual trip may last a maximum of 30 consecutive days; if a trip exceeds 30 days, no indemnity is due for events after that period, though cover extends automatically for a further 30 days if the insured proves that return home was impossible due to the medical condition.
Where to buy
Policy specifics
Medical Expenses Coverage Levels
Multiple coverage tiers available: EUR 10,000, EUR 15,000, EUR 20,000, EUR 25,000, EUR 30,000, EUR 40,000 and EUR 60,000, with different geographic scope
SourceTrip Cancellation Insurance
Covers cancellation due to unforeseen circumstances including death, serious accident, sudden illness, pregnancy complications, vaccine intolerance, property damage, natural disasters, or military obligations
SourceRepatriation and Transport Costs
Covers medically necessary and prescribed transport of policyholder from foreign country to permanent residence; also covers transport of deceased remains up to EUR 5,000
SourceLuggage Delay Insurance
Covers loss, damage or destruction of luggage and cost of purchasing necessary replacement items if hold luggage arrives more than 8 hours after policyholder arrival
SourceDiscounts and Surcharges Structure
DUO/TRIO discount: 10%; Family children under 18: 50% discount; Family members over 18: 10% discount. Athletes: 30% surcharge (amateur), 60% (professional). Age 65-70: 80% surcharge; Age 70+: 100% surcharge
SourceSports Equipment Rental Coverage
Covers rental costs of sports equipment for trip duration if equipment brought by policyholder is destroyed, stolen or damaged beyond safe use, up to EUR 400
SourceAXA Assistance Partnership
Travel health insurance provided in cooperation with AXA Assistance Deutschland GmbH; covers urgent and necessary medical treatment abroad for sudden illness or accident
SourceGeographic Coverage Limitations
Coverage differs by insurance amount: EUR 40,000 and EUR 60,000 valid worldwide; other amounts exclude USA, Canada, Japan, and Australia
SourceMedical Necessity Requirement
Coverage applies to accident or necessary emergency medical treatment required as result of sudden illness that cannot be postponed without danger to life and health until policyholder returns home
Source