HOK osiguranje Travel insurance (Putno Zdravstveno Osiguranje)
Underwritten by HOK-Osiguranje d.d. · Croatia
travel insurance from HOK osiguranje for the Croatia market, with online purchase and 24/7 assistance.
Last verified Aug 30, 2026Sources
Unique selling points
Claims can be filed through the HOK Digital app even by people who are not HOK policyholders.
Claims handling is automated within the app, with two-way exchange of messages, photos and documentation.
Policy purchase, renewal and claims management for travel insurance are combined in a single app.
Travelers can choose between three coverage packages (A, B or C) matched to their selected destination.
Coverage limits
Medical treatment costs
Covered
Covers costs of necessary medical care, doctor consultations, and prescribed medications during travel and stay abroad, offered under packages A, B, or C; specific per-package limits are not published in the available sources.
Emergency medical treatment
No limit stated
Not specified as a distinct benefit in the available sources for this product.
Outpatient treatment
No limit stated
Not specified as a distinct benefit in the available sources for this product.
Emergency ambulance transport
Covered
Covers transport by emergency vehicle to the nearest hospital when the insured falls ill or is injured abroad, offered under packages A, B, or C; specific per-package limits are not published in the available sources.
Medical repatriation transport
Covered
Covers transport back to the home country when the insured cannot return as originally planned for health reasons, offered under packages A, B, or C; specific per-package limits are not published in the available sources.
Key conditions
Assistance call deadline
Not specified in the available sources for this product.
Unauthorized treatment
Not specified in the available sources for this product.
Purchase while abroad
Not specified in the available sources for this product.
Chronic conditions
Not specified in the available sources for this product.
Pregnancy
Not specified in the available sources for this product.
Pre-existing condition exclusions
Not specified in the available sources for this product.
Coverage duration limit
Not specified in the available sources for this product.
Direct payment
HOK osiguranje's travel health insurance page states that in case medical assistance is needed anywhere abroad, the insurer's 24/7 call center organizes and provides help ('organizacija i pružanje pomoći') for necessary medical and other services, including medical care, doctor consultations, prescribed medication costs, repatriation, and ambulance transport to the nearest hospital. The official product page does not explicitly specify whether costs are settled directly with the healthcare provider or reimbursed to the policyholder afterward — it only confirms that the insurer's call center coordinates and arranges the assistance and associated costs during the trip.
Territorial scope
Coverage applies during the insured's travel and stay abroad, for the destination indicated when selecting package A, B or C; no further territorial details are published in the available sources.
Documents
Policy specifics
Medical treatment costs
Covers costs of necessary medical care, doctor consultations, and prescribed medications
SourceRepatriation transport
Covers transport to home country when insured cannot return as originally intended due to health reasons
SourcePackage options A, B, C
Product offered in three distinct package tiers with different coverage levels
SourceDestination selection requirement
Policy requires selection of travel destination as part of underwriting
SourceMedical documentation for claims
Policyholders must submit complete medical documentation after treatment completion to support claims
SourceSources
HOK osiguranje Travel insurance