Generali Travel insurance (Horizont)

The base Horizont package covers medical treatment costs during travel and stay abroad up to a total sum insured selectable at EUR 10,000, 20,000, 30,000 or 50,000, chosen by the policyholder depending on destination and trip duration.

Includes doctor referral, monitoring of the insured's condition, delivery of missing medication and other emergency medical assistance services organised by the duty centre, covered within the overall medical expense sum insured with no separate sub-limit.

A free one-time lump-sum allowance of EUR 500 is automatically included for any hospital stay abroad exceeding 72 continuous hours due to sudden illness or accident; a claim with hospital confirmation and medical records must still be submitted within 30 days of return. Actual hospital treatment costs (room, staff, diagnostics, surgery) are separately covered within the overall medical expense sum insured.

Covers doctor consultations, prescribed medication, medical aids, X-ray, CT and laboratory diagnostics needed abroad, within the overall medical expense sum insured with no separate sub-limit.

Dental treatment is covered only to relieve acute toothache, up to 2% of the medical expense sum insured stated on the policy; final dental treatment, orthodontics, periodontology, tartar removal, crowns and dentures are excluded.

Transport costs by an officially authorised emergency service (exceptionally including taxi) to the nearest hospital or available doctor are covered up to a limit of EUR 10,000.

If the insured's health condition requires repatriation, the insurer organises transport to the place of residence or a hospital in Croatia, if necessary with medical escort, with financial responsibility capped at 50% of the medical expense sum insured stated on the policy. Only the insurer's doctors may decide on the advisability and means of repatriation; self-organised repatriation not approved by the duty centre is excluded.

In the event of death abroad, the insurer organises and covers transport of the body to the home country, or covers burial costs at the place of death, up to the same limit of 50% of the medical expense sum insured that applies to repatriation.

Necessary and proven costs of rescuing the insured by helicopter or aircraft from inaccessible locations, or to provide urgent emergency medical assistance, are reimbursed up to a limit of EUR 10,000.

Every travel health insurance policy automatically includes cover for COVID-19 infection medical expenses at no additional premium, within the overall medical expense sum insured.

Chronic diseases and their consequences that existed or were known at the time the contract was concluded are excluded, as are diseases treated in the six months before the insurance start date, including their consequences. However, the insurer always guarantees assistance to the insured in any life-threatening situation, as assessed by the duty centre; the costs of such rescue are covered within the scope and limits of the policy, with any costs beyond those limits borne by the insured.

Accidents resulting from winter sports practised at amateur or professional level are only covered if an additional premium surcharge has been paid; without it, the insurer's liability for such accidents is limited.

Accidents linked to sports such as motorsports, base jumping, bungee jumping, diving, mountaineering and climbing are only covered if an additional premium has been paid, whether practised at recreational, amateur or professional level.

Pregnancy and its consequences (elective termination, delivery, miscarriage) are excluded in general; however, in the case of acute complications during pregnancy the insurer will reimburse the cost of the first medical intervention necessary to remove danger to the life of the mother and/or child, provided the pregnant woman is under 35 years of age and has not completed the 28th week of pregnancy.

An optional supplementary risk covering the insured's non-contractual civil liability for death, bodily injury or damage to third-party property caused as a private individual in everyday life, from riding a non-motorised bicycle, from amateur sport practice (excluding hunting), or from keeping domestic animals not held for profit. Cover applies only within Europe outside Croatia, subject to a mandatory deductible of HRK 1,500 per claim.

The available sources do not describe a standalone travel legal-assistance benefit; Art. 46 of the T&Cs describes legal defence services only within the private liability risk (defending the insured against liability claims), not a general travel legal-assistance service.