Merkur Travel insurance (Putno Dnevno Zdravstveno Osiguranje)
Underwritten by Merkur osiguranje d.d. · Croatia
travel insurance from Merkur for the Croatia market, with online purchase.
Verified Aug 30, 2026 · Terms dated 2022-09Sources
Key facts
- Medical transport up to €7,500 – €50,000
- Merkur
Unique selling points
Guarantees a safe step anywhere in the world and can be purchased online or at any Merkur branch.
The top coverage tier extends medical expense cover up to 50,000 EUR.
Four flexible insured-sum tiers (7,500-50,000 EUR) let customers match cover to their destination and risk profile.
An optional accident and baggage-loss package can be added alongside the travel medical cover for broader protection.
Policies can be arranged fully online through the Merkur webshop, with policy documents delivered by e-mail.
Coverage limits
Medical expenses (insured sum)
€7.5K – €50K
Five insured sums can be selected: 7,500, 11,500, 23,000, 38,500 or 50,000 EUR, covering emergency medical costs per person per trip.
Section: 2. Opis produkta > 2.1. Putno zdravstveno osiguranje- osnovno osiguranje
Moguće su osigurane svota: 7.500 €, 11.500 €, 23.000 €, 38.500 € i 50.000 €.
Emergency treatment for illness and accident
€7.5K – €50K
Covers outpatient medical treatment, medication, aids, diagnostics, hospital treatment, emergency transport to the nearest doctor or clinic, surgery, acute dental care, phone costs, and accommodation for an accompanying person for a minor insured if necessary, within the selected insured sum tier (7,500-50,000 EUR).
Section: 2. Opis produkta > 2.1. Putno zdravstveno osiguranje- osnovno osiguranje
troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili klinike, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)
Hospital treatment
€7.5K – €50K
Hospital treatment abroad is included as part of the emergency assistance benefit, drawn from the same overall insured sum (no separate sub-limit stated).
Section: 2. Opis produkta > 2.1. Putno zdravstveno osiguranje- osnovno osiguranje
troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili klinike, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)
Outpatient treatment
€7.5K – €50K
Ambulatory medical treatment abroad is included within the overall insured sum, with no separate sub-limit stated.
Section: 2. Opis produkta > 2.1. Putno zdravstveno osiguranje- osnovno osiguranje
troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili klinike, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)
Acute dental treatment
€7.5K – €50K
Acute dental treatment is explicitly listed as part of the emergency assistance benefit, drawn from the overall insured sum.
Section: Pokriće osiguranja > Osigurani rizici
Troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili kliniku, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)
Emergency transport to nearest doctor/clinic
€7.5K – €50K
Emergency transport to the nearest available doctor or clinic abroad is included as part of the emergency assistance benefit.
Section: Pokriće osiguranja > Osigurani rizici
Troškovi hitne pomoći zbog bolesti i nezgode (ambulantni liječnički tretman, lijekovi, pomagala, dijagnostika, bolničko liječenje, hitni prijevoz do najbližeg dostupnog liječnika ili kliniku, operacije, akutna stomatologija, telefonski troškovi, smještaj pratnje za mldb. osiguranika ukoliko je neophodan)
Medically necessary transport to place of residence or nearest hospital
€7.5K – €50K
Covers medically necessary and justified transport from the foreign country back to the place of permanent residence or to the nearest hospital, drawn from the overall insured sum.
Section: 2. Opis produkta > 2.1. Putno zdravstveno osiguranje- osnovno osiguranje
neophodan i medicinski opravdan prijevoz iz strane zemlje u mjesto stalnog boravka ili najbliže bolnice
Repatriation of remains / funeral costs abroad
€3.5K
In the event of the insured's death, reimburses transport costs of remains to the place of residence, or additional funeral costs at the place of death abroad, up to a maximum of 3,500 EUR.
Section: 2. Opis produkta > 2.1. Putno zdravstveno osiguranje- osnovno osiguranje
u slučaju smrti osiguranika nadoknada troškova transporta posmrtnih ostataka u mjesto boravišta ili dodatne troškove za pogreb u mjestu smrti u inozemstvu, ali maksimalno do 3.500 €.
COVID-19 treatment
No limit stated
Not separately addressed; the IPID excludes damages and costs caused by epidemics, pandemics, pollution or natural disasters that were known before departure, but does not otherwise specifically mention COVID-19.
Section: Što nije pokriveno osiguranjem
štete i troškovi uzrokovani epidemijama, pandemijama, zagađenjem ili prirodnim katastrofama koje su bile poznate prije odlaska na put;
Pre-existing conditions
Excluded
Merkur is not obliged to pay for illnesses and their consequences that existed or were known at the time the insurance was concluded or began.
Section: Što nije pokriveno osiguranjem
bolesti i posljedice tih bolesti koje su postojale ili za koje se znalo u vrijeme sklapanja ili početka osiguranja osigurani slučaj nastao uslijed djelovanja alkohola ili narkotičkih sredstava na osiguranika
Winter sports cover
No limit stated
Not specifically addressed; only professional sporting activity is subject to a proportional reduction of compensation unless a higher premium is paid.
Section: Ograničenja pokrića
Ako nije posebno ugovoreno i ako nije plaćena uvećana premija, naknada se smanjuje u razmjeru između premije koju je trebalo platiti i stvarno plaćene premije kada osigurani slučaj nastane kod osoba starijih od 60 godina i uslijed profesionalnog bavljenja sportom za vrijeme natjecanja ili treninga
Adventure sports cover
No limit stated
Not specifically addressed; only professional sporting activity during competition or training is subject to a proportional reduction of compensation unless a higher premium is paid.
Section: Ograničenja pokrića
Ako nije posebno ugovoreno i ako nije plaćena uvećana premija, naknada se smanjuje u razmjeru između premije koju je trebalo platiti i stvarno plaćene premije kada osigurani slučaj nastane kod osoba starijih od 60 godina i uslijed profesionalnog bavljenja sportom za vrijeme natjecanja ili treninga
Pregnancy complications
No limit stated
Not addressed in the reviewed Merkur documents for this product.
Duty assistance centre
Covered
The insured must immediately call the duty assistance centre and provide policy details when an insured event occurs; the documents do not explicitly confirm the centre operates 24/7.
Section: Koje su moje obveze > Obveze osiguranika
Odmah nazvati dežurni centar asistencije i navesti podatke s police osiguranja
Baggage loss (supplementary package)
€250 – €500
Available only as part of the supplementary accident and baggage-loss package, with baggage cover of 250 EUR or 500 EUR depending on the package chosen, and a maximum duration of 90 days.
Section: 2. Opis produkta > 2.2. Dopunska osiguranja > Osiguranje od nezgode i gubitka prtljage
Gubitak prtljage 250 € 500 €
Key conditions
Assistance call deadline
The insured must immediately call the duty assistance centre and provide the policy details when a claim event occurs, before receiving treatment.
Unauthorized treatment
Not specified in the reviewed documents.
Purchase while abroad
Not specified; coverage begins on the policy start date but not before the insured crosses the Croatian border, implying the policy is intended to be purchased before departure.
Chronic conditions
Chronic illnesses that existed or were known at the time the insurance was concluded or began are excluded from cover, under the same rule as pre-existing conditions.
Pregnancy
Not specified in the reviewed documents.
Pre-existing condition exclusions
Merkur is not obliged to pay for illnesses and their consequences that existed or were known at the time the insurance was concluded or started.
Coverage duration limit
The contract can be concluded for 1 to 365 days, but a single trip may not exceed 4 weeks (28 days); the supplementary accident and baggage-loss cover is limited to a maximum of 90 days.
Direct payment
The reviewed documents do not specify whether medical providers are paid directly or whether the insured must pay upfront and seek reimbursement; the insured is instructed to call the duty assistance centre immediately when a claim event occurs.
Territorial scope
Coverage applies outside the Republic of Croatia and begins only after the insured crosses the Croatian border; tiers A-C exclude the USA, Canada and Japan.
Documents
Information for the policyholder: Daily travel insurance (IU-1-PZOD-0621) (opens in a new tab)
Other document · PDF
Information for the policyholder: Daily travel insurance (IU-1-PZOD-0124) (opens in a new tab)
Other document · PDF
Insurance Product Information Document - Daily travel medical insurance (opens in a new tab)
Product information sheet · PDF
Policy specifics
Medical repatriation to Croatia
Coverage includes necessary transport to Croatia for medical treatment (repatriation)
SourceGeographic restriction: USA, Canada, Japan exclusion for certain tiers
Coverage tiers A, B, C exclude USA, Canada and Japan; only tier D (highest) covers worldwide including these countries
SourcePage 1Section: Zemljopisni opseg osiguranja
Osigurateljno pokriće za osigurane svote pod A,B,C vrijedi u cijelom svijetu osim SAD, Kanade i Japana. Osigurateljno pokriće za svotu osiguranja pod D vrijedi u cijelom svijetu.
Age surcharge for insureds over 60 years
If not specifically agreed upon and elevated premium not paid, compensation is reduced proportionally when insured event occurs for persons over 60 years or during professional sports activities
SourcePage 1Section: Ograničenja pokrića
Ako nije posebno ugovoreno i ako nije plaćena uvećana premija, naknada se smanjuje u razmjeru između premije koju je trebalo platiti i stvarno plaćene premije kada osigurani slučaj nastane kod osoba starijih od 60 godina i uslijed profesionalnog bavljenja sportom za vrijeme natjecanja ili treninga
Proportional reduction for professional sports activity
Unless specially agreed and a higher premium is paid, compensation is reduced proportionally for events arising from professional sport during competition or training.
SourcePage 1Section: Ograničenja pokrića
Ako nije posebno ugovoreno i ako nije plaćena uvećana premija, naknada se smanjuje u razmjeru između premije koju je trebalo platiti i stvarno plaćene premije kada osigurani slučaj nastane kod osoba starijih od 60 godina i uslijed profesionalnog bavljenja sportom za vrijeme natjecanja ili treninga
Sources
- ips.merkur.hrhttps://ips.merkur.hr/resources/productEngine/Products/MerkurHR/PZO/InformacijeUgovarateljuOsiguranja_PZOD_0124.pdf#page=1(opens in a new tab)
- minio.kompare.hrhttps://minio.kompare.hr/terms-and-conditions-files/35d58f0b-b0e7-48f4-9e81-4d22c21be750_IPID-dnevno%20putno.pdf#page=1(opens in a new tab)
- minio.kompare.hrhttps://minio.kompare.hr/terms-and-conditions-files/35d58f0b-b0e7-48f4-9e81-4d22c21be750_IPID-dnevno%20putno.pdf#page=2(opens in a new tab)
- merkur.hrhttps://www.merkur.hr/webshop/putno(opens in a new tab)
Merkur Travel insurance