Generali
Generali is a travel insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
If the insured follows the insurer's instructions and contacts the duty assistance center (Europ Assistance) before taking any action, the insurer pays medical costs directly to the provider abroad. If the insured self-arranges treatment without prior authorization, costs are reimbursed only after submission of original invoices within 30 days of treatment end.
Geographic scope
HR
Worldwide for medical coverage; Europe only for personal liability; auto assistance limited to listed Green Card countries
Unique selling points
- COVID-19 treatment is included as a standard benefit in every policy without any additional surcharge.
- Selectable medical expense coverage tiers from 10,000 up to 50,000 EUR allow travellers to tailor protection to their destination risk.
- 24/7 assistance is provided by Europ Assistance, a leading international partner, including direct physician referral, hospital reservation and coordination of medical repatriation.
- Annual multi-trip policy covers an unlimited number of trips throughout the year under a single premium, with each trip up to 30 days.
- Helicopter and aircraft rescue costs are covered up to 10,000 EUR, protecting travellers during mountain and remote-location incidents.
Coverage limits
Medical expenses abroad
Covered
Covers costs of medical treatment during travel and stay abroad due to sudden illness or accident, including doctor referrals, prescribed medications, X-ray, scanner and laboratory diagnostics, necessary medical aids, and specialist clinic transfers if medically indicated. Insured amount selectable between 10,000 and 50,000 EUR per policy.
SourceEmergency medical treatment
Covered
Emergency medical treatment including first medical aid, necessary surgeries, hospitalization in a suitable foreign medical institution with continuous medical supervision, and prescribed medications. The insurer always guarantees assistance in life-threatening situations regardless of other exclusions.
SourceHospitalization
Covered
Covers inpatient treatment in a foreign healthcare institution providing continuous medical supervision with adequate diagnostic and therapeutic equipment using scientifically proven treatment methods. The most suitable local hospital nearest to the insured's location abroad is used. Single-room hospitalization is only covered if justified and approved by a physician.
SourceOutpatient treatment
Covered
Covers outpatient medical services including physician consultations, necessary diagnostics (X-ray, scanner, laboratory), prescribed medications and medical supplies, as part of the overall medical expenses coverage limit.
SourceEmergency dental treatment
Covered
Covers dental treatment exclusively for the purpose of relieving acute toothache, up to 2% of the insured sum for travel health insurance stated on the policy. Final dental treatment, jaw surgery (except accident), orthodontics, periodontics, tartar removal, extraction or replacement of teeth, crowns, dentures are excluded.
SourceMedical transport
Covered
Covers transport costs by officially approved emergency services to the nearest hospital or nearest available physician, and exceptionally taxi transport. All such transport costs are covered up to a limit of 10,000 EUR.
SourceMedical evacuation (helicopter/aircraft rescue)
Covered
When rescuing the insured by helicopter or aircraft, the insurer covers only necessary and proven costs incurred to save the insured's life in inaccessible locations or to provide necessary emergency medical assistance, up to a limit of 10,000 EUR.
SourceRepatriation of remains
Covered
In the event of the insured's death, the insurer organizes and covers transport of the body from the place of death to the deceased's home, or covers funeral costs at the place of death, up to the limit defined in Article 15(1)(7), which is 50% of the insured health insurance sum stated on the policy.
SourceSearch and rescue
Covered
Helicopter or aircraft rescue costs to save the insured's life in inaccessible locations are covered up to 10,000 EUR, as part of the medical evacuation coverage under Article 15(1)(15).
SourceCOVID-19 treatment
Covered
Every travel health insurance policy now includes coverage in case of COVID-19 infection without additional surcharge, up to the maximum insured sum stated on the policy.
SourcePre-existing conditions
Excluded
Chronic diseases and their consequences existing or known at the time of policy conclusion are excluded. Diseases treated in the 6 months before the start of insurance, including their consequences, are also excluded. The insurer always guarantees assistance in life-threatening situations.
SourceWinter sports cover
Optional
Winter sports are listed among the recreational and amateur/professional sports that require payment of an additional premium to be covered under both travel health and personal accident insurance. Without the additional premium, accidents arising from winter sports are excluded.
SourceAdventure and extreme sports cover
Optional
A wide range of adventure and extreme sports (base jumping, bungee jumping, ice climbing, combat sports, mountaineering/alpinism, diving, speleology, trekking, triathlon, zipline, aerial sports, etc.) require payment of an additional premium to be covered. Without the surcharge, accidents from these sports are excluded at both recreational and amateur/professional levels.
SourcePregnancy complications
Conditional
Pregnancy and all its consequences or complications are generally excluded. However, in case of acute complications during pregnancy, the insurer will cover within the policy the cost of the first medical intervention necessary to eliminate danger to the life of the mother and/or child, provided the pregnant woman has not yet reached 35 years of age and the 28th week of pregnancy has not been completed.
SourcePersonal liability
Optional
Optional add-on covering civil extra-contractual liability of the insured for damage due to death, bodily injury or damage to property of third parties, as a private individual in everyday life (excluding trade activities), from non-motorized bicycle use, amateur sports (except hunting), and keeping domestic animals not for commercial purposes. Coverage is valid exclusively in Europe, outside the Republic of Croatia. A mandatory deductible of 1,500 HRK applies per claim.
SourceLegal assistance
Excluded
Standalone legal assistance is not offered as a separate coverage in the product. Legal protection is provided only in the context of personal liability claims (insurer defends against unjustified liability claims on behalf of the insured).
Source24/7 assistance service
Covered
24/7 assistance provided by Europ Assistance (partner of Generali), reachable at +36 1 458 44 36 at any time before or during travel. Services include referral to physicians, health monitoring, hospital selection and reservation, coordination of medical transport and repatriation, medication delivery, and transmission of medical information to relatives in Croatia.
SourceKey conditions
Assistance call deadline
The insured must contact the insurer or its duty assistance center (Europ Assistance, +36 1 458 44 36) immediately after the insured event occurs, before taking any further action. In exceptional cases and force majeure situations, the insured must notify the insurer as soon as possible and provide reasons for any delay.
Unauthorized treatment
If the insured did not follow the instructions of the duty center (Articles 17(1), 17(2), and 17(3)), the insurer will reimburse eligible costs from Article 15 only after the insured has provided reasons for non-compliance and the insurer has established its obligation. Costs for unauthorized self-arranged repatriation not approved by the insurer and duty center are not covered.
Purchase while abroad
The insurance contract must be concluded exclusively before the start of the journey. Purchase while already abroad is not possible. The insurer's obligation begins no earlier than when the insured crosses the state border upon departure from the Republic of Croatia.
Chronic conditions
Chronic diseases and their consequences are excluded if they existed or were known at the time of policy conclusion. Additionally, diseases treated in the 6 months prior to the start of insurance, including their consequences, are excluded. The insurer always guarantees assistance in life-threatening situations even if the underlying cause falls under an exclusion.
Pregnancy
Pregnancy and all its consequences or complications are generally excluded, including intentional termination, childbirth, and miscarriage. Exception: in case of acute complications during pregnancy, the insurer covers the cost of the first medical intervention necessary to eliminate danger to the life of the mother and/or child, only if the pregnant woman is under 35 years of age and the 28th week of pregnancy has not been completed.
pre_existing_conditions
Pre-existing conditions (chronic diseases existing or known at policy conclusion, and any diseases treated within the 6 months prior to the insurance start date, including their consequences) are excluded from coverage. Travelers with pre-existing conditions should be aware that only genuine life-threatening emergencies may trigger the insurer's guaranteed assistance clause.
coverage_duration_limit
For the annual policy variant, the insurance duration is exclusively one year, with the condition that each individual trip by the insured must not exceed 30 days. For short-term (single-trip) policies, the maximum duration is 366 days.
Where to buy
Documents
Putno zdravstveno osiguranje – Dokument s informacijama o proizvodu osiguranja (IPID) 350-1801
ipid
Uvjeti paketa putnog osiguranja – Generali osiguranje d.d. (118-0704, version 5.1.2023)
terms_and_conditions
Uvjeti paketa putnog osiguranja – Generali osiguranje d.d. (118-0704, earlier version via POBA)
terms_and_conditions
Policy specifics
COVID-19 coverage
All travel health insurance policies now include COVID-19 coverage without additional charge
Repatriation
Coverage for transportation of insured person to home country or to hospital; includes transport of deceased person's remains
Annual duration
Insurance contract duration is exactly one year, with coverage for unlimited number of trips provided each trip does not exceed 28 days
Immediate notification to assistance center
Insured must contact the assistance company immediately or as soon as possible in case of insured event to receive proper medical care coordination
Claim notification deadline
Insured must submit claim within 30 days from end of treatment or transport to place of residence; failure to comply may reduce or deny coverage
Border crossing coverage trigger
Coverage begins when insured crosses state border when leaving Croatia and ends when crossing border upon return to Croatia
Chronic disease exclusion
Pre-existing chronic diseases and their consequences are excluded from coverage unless they were acute onset during trip
War and conflict exclusion
Losses resulting from war, conflict, or military action are excluded; assistance services specifically excluded in conflict zones
14-day cooling-off period
For contracts concluded via distance communication with duration of one month or longer, policyholder has right to unilaterally terminate within 14 days of conclusion without stating reasons