Generali osiguranje d.d.
Generali
Generali is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
The Europ Assistance duty centre coordinates medical services abroad and can arrange direct billing with the hospital for hospitalization when contacted before treatment; other costs (outpatient bills, medication, dental treatment) are generally paid by the insured and reimbursed afterwards against original invoices.
Geographic scope
Worldwide for most covers, with Europe-only scope for private liability
Travel health, accident, luggage, cancellation and flight-delay covers apply worldwide, except in the country of the insured's permanent residence, the country of the insured's citizenship, or a country where the insured has a right to public healthcare; private liability cover is limited to Europe outside Croatia; assistance services in Ukraine are suspended due to the war and are significantly hampered in Russia and Belarus.
Unique selling points
- Every Horizont policy automatically includes a free one-time EUR 500 allowance for hospital stays abroad exceeding 72 hours, at no extra premium.
- COVID-19 infection treatment abroad is covered on every travel health policy with no additional premium.
- Policyholders can pick from four medical-expense sum-insured tiers (EUR 10,000, 20,000, 30,000 or 50,000) to match the destination and length of the trip.
- A single family policy can cover 2 to 6 members with identical sums insured, sharing one combined luggage and roadside-assistance limit per family.
- Round-the-clock multilingual assistance is provided directly by the Europ Assistance partner network, coordinating hospital admission and billing on the insured's behalf.
Coverage limits
Medical expenses abroad
Covered
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.
Emergency medical treatment / assistance services
Covered
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.
Hospitalization allowance (stay over 72 hours)
Covered
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.
Outpatient treatment
Covered
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.
Emergency dental treatment
Conditional
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.
Medical transport to hospital / doctor
Covered
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.
Medical repatriation / evacuation
Covered
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.
Repatriation of deceased / funeral costs
Covered
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.
Search and rescue (helicopter/aircraft)
Covered
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.
COVID-19 treatment
Covered
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.
Pre-existing conditions
Excluded
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.
Winter sports cover
Optional
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.
Adventure / extreme sports cover
Optional
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 complications
Conditional
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.
Private liability insurance
Optional
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.
Legal assistance
Not offered
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.
24/7 assistance helpline
Covered
Round-the-clock, multilingual assistance is provided by the Europ Assistance partner via the duty phone number, giving pre-travel information and coordinating medical, logistical and travel support when an insured event occurs.
Key conditions
Assistance call deadline
The insurer/duty centre must be contacted immediately after the event, except in unforeseeable circumstances and cases of force majeure.
Unauthorized treatment
Self-organised repatriation not approved and confirmed by the insurer and duty centre is excluded from cover; if the insured does not follow the duty centre's instructions, they must justify this to the insurer, and reimbursement may then be limited to medical service costs only, excluding late-payment fees and interest on unpaid invoices.
Purchase while abroad
The insurance contract can only be concluded before the trip begins; it cannot be purchased while already travelling or staying abroad.
Chronic conditions
Chronic diseases and their consequences existing or known at the time the contract was concluded, and diseases treated in the six months before the insurance start date, are excluded from cover.
Pregnancy
Pregnancy and its ordinary consequences are excluded, but the cost of the first medical intervention for acute pregnancy complications is reimbursed if the insured is under 35 and has not completed the 28th week of pregnancy.
Pre-existing condition exclusions
Pre-existing chronic conditions known before the contract was signed, and any disease treated within the last 6 months before the trip, are not covered.
Coverage duration limit
Short-term individual, family and group policies can run from a minimum of 1 to a maximum of 366 days; if an annual policy is contracted, the total duration is exactly one year, but no single trip during that year may exceed 30 days.
Policy specifics
Medical expenses coverage limits
Multiple coverage tiers available: EUR 10,000, EUR 20,000, EUR 30,000, or EUR 50,000
Hospitalization allowance
Free one-time allowance of EUR 500 for hospital stay exceeding 72 hours
Repatriation of deceased
Coverage for repatriation of deceased insured to home country
Trip cancellation insurance
Reimbursement up to 90% of insured trip costs in case of trip cancellation due to extraordinary events
Automotive assistance
Coverage for vehicle breakdown assistance including on-site repair, towing to service, vehicle storage, and emergency parts delivery
Luggage and baggage insurance
Fixed allowance for loss, delay, or damage to luggage during travel
COVID-19 infection coverage
Coverage for COVID-19 infection expenses with no additional premium
Geographic coverage area (Europe)
Coverage applies to events occurring in Europe outside the Republic of Croatia
Payment model (reimbursement with assistance coordination)
Europ Assistance partner coordinates medical services and can arrange direct billing for hospitalization; other expenses may require reimbursement
24/7 Emergency Assistance
Round-the-clock multilingual emergency assistance available through Europ Assistance partner
Age restrictions
Coverage available for all ages; reduced benefits for insured over 75 years (50% of otherwise payable amount for accident-related claims)
Claims notification deadline
Insured must notify insurer of accident/incident as soon as possible, but no later than 3 days from occurrence
Private liability - geographic scope (Europe only)
Unlike the worldwide scope of the other travel covers, the private liability insurance under this package applies only to events occurring in Europe, outside the Republic of Croatia.
Annual policy single-trip cap
If an annual travel insurance policy is contracted, its total duration is exactly one year, but each individual trip covered under it must not exceed 30 days.