Merkur Insurance d.d.
Merkur
Merkur is a travel insurance for the Croatia market with online purchase and limited assistance availability.
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.
Geographic scope
Worldwide, except the Republic of Croatia; tiers A, B and C exclude the USA, Canada and Japan, while tier D covers these countries as well.
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.
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 and is the only tier valid worldwide, including the USA, Canada and Japan.
- 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)
€7,500 – €50,000
Four insured-sum tiers can be selected: A 7,500 EUR, B 11,500 EUR, C 23,000 EUR, and D 38,500 EUR (per the IPID) or 50,000 EUR (per the 2024 Informacije document), covering emergency medical costs per person per trip.
Emergency treatment for illness and accident
€7,500 – €50,000
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).
Hospital treatment
€7,500 – €50,000
Hospital treatment abroad is included as part of the emergency assistance benefit, drawn from the same overall insured sum (no separate sub-limit stated).
Outpatient treatment
€7,500 – €50,000
Ambulatory medical treatment abroad is included within the overall insured sum, with no separate sub-limit stated.
Acute dental treatment
€7,500 – €50,000
Acute dental treatment is explicitly listed as part of the emergency assistance benefit, drawn from the overall insured sum.
Emergency transport to nearest doctor/clinic
€7,500 – €50,000
Emergency transport to the nearest available doctor or clinic abroad is included as part of the emergency assistance benefit.
Medically necessary transport to place of residence or nearest hospital
€7,500 – €50,000
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.
Repatriation of remains / funeral costs abroad
€3,500
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.
Search and rescue
No limit stated
Not addressed in the reviewed Merkur documents for this product.
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.
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.
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.
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.
Pregnancy complications
No limit stated
Not addressed in the reviewed Merkur documents for this product.
Personal liability
No limit stated
Not addressed in the reviewed Merkur documents for this product.
Legal assistance
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.
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.
Where to buy
Policy specifics
Medical repatriation to Croatia
Coverage includes necessary transport to Croatia for medical treatment (repatriation)
SourceCOVID-19 coverage
Annual policy includes COVID-19 coverage included in price without additional surcharge
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
SourceAnnual policy unlimited trips within 12 months
Annual variant permits unlimited number of trips during the policy year with maximum single trip duration of 28 days
SourceAge 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
SourceProfessional sports activity exclusion
Coverage does not apply to professional sports competition or training; standard rates apply only to persons not engaging professionally in sports
SourceAvailable insurable sums (coverage tiers)
Four coverage tiers available: EUR 7,500 (A), EUR 11,500 (B), EUR 23,000 (C), and EUR 38,500/50,000 (D) representing maximum liability per occurrence
Source