UNIQA osiguranje d.d.
UNIQA
UNIQA is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
Premium is generally paid in a lump sum before the start of the trip unless otherwise agreed; it can be paid in cash or by debit/credit card at UNIQA points of sale, by bank transfer, general payment slip, at bank/FINA/Croatian Post offices, via internet or mobile banking, or by 2D barcode readers, subject to fees charged by the respective payment service provider.
Geographic scope
Worldwide and in the Republic of Croatia, unless otherwise agreed
Voluntary health insurance cover does not apply in Croatia for Croatian citizens or foreigners with regulated residence and mandatory health insurance in their own country; private liability cover is limited to the European continent
Starting price
€34
Indicative — pricing assumptions not stated
Unique selling points
- A single annual premium from 33.84 EUR covers an unlimited number of trips abroad, with each trip lasting up to 5 weeks.
- Short-term travel health cover can be arranged for as little as 1.59 EUR per day.
- Assistance service is available 24 hours a day, 365 days a year, including unlimited free online medical consultations.
- Policyholders can choose between three medical sum-insured tiers (10,000, 30,000 or 50,000 EUR) to match their travel risk profile.
- Worldwide search-and-rescue costs are covered up to 7,300 EUR, well above what many basic travel policies include.
Coverage limits
Medical expenses abroad
€10,000 – €50,000
Covers costs of necessary medical treatment and medicines prescribed by a doctor during travel abroad, available at three annual sum-insured tiers: 10,000 EUR, 30,000 EUR or 50,000 EUR.
Emergency medical treatment
€10,000 – €50,000
Necessary medical treatment for sudden illness or accident during the trip is covered within the same overall sum insured tiers (10,000/30,000/50,000 EUR).
Hospitalization abroad
Covered
Hospitalization required for acute illness or accident abroad is covered as part of the overall medical treatment sum insured; no separate hospitalization sub-limit is stated in the reviewed documents.
Outpatient treatment
Covered
Outpatient treatment, including telemedicine consultations, for sudden illness or accident is included within the overall medical sum insured.
Emergency dental treatment
€150
Covers emergency dental procedures aimed at relieving acute pain during travel, up to 150 EUR per incident.
Medically necessary transport
Covered
Covers medically necessary transport of the insured to the nearest appropriate hospital or clinic, within the overall medical sum insured, subject to reasonable and customary local costs.
Medical evacuation/transport home
Covered
Covers transport costs from abroad to a Croatian hospital or home, for the insured and one accompanying person, when medically necessary; no separate cap beyond reasonable and customary costs is stated.
Repatriation of mortal remains
€1,800
Covers standard transport costs of the deceased insured's remains to their last place of residence; if not organized by the UNIQA assistance service, reimbursement is capped at 1,800 EUR.
Search and rescue costs
€7,300
Covers search and rescue costs worldwide up to a maximum of 7,300 EUR.
COVID-19 treatment
Optional
Treatment costs for illnesses caused by an epidemic or pandemic known before departure are excluded; however, if specifically contracted and an additional premium paid, cover for illness caused by COVID-19 arising during the trip can be included.
Pre-existing conditions
Excluded
Excludes treatment of chronic diseases, their consequences, and accident consequences that existed or were known (or should have been known) at policy inception, including diseases treated within 6 months before the insurance start, except for acute attacks where treatment was necessary to save the insured's life or relieve acute pain.
Winter sports cover
No limit stated
Not addressed in the reviewed policy documents.
Adventure sports cover
No limit stated
Not addressed in the reviewed policy documents.
Pregnancy complications
No limit stated
Not addressed as a distinct benefit in the reviewed policy documents.
Private liability insurance
Optional
Optional cover for the insured's non-contractual civil liability for death, bodily injury, health damage, or damage/destruction of a third party's property, limited to countries on the European continent; sum insured is stated on the policy.
Legal assistance
No limit stated
Not offered as a distinct benefit in the reviewed policy documents.
24/7 assistance service
Covered
Round-the-clock UNIQA assistance service, available 24 hours a day, 365 days a year, with unlimited free online consultations, included at no extra cost with all travel policies.
Key conditions
Assistance call deadline
In the event of a medical insured claim, the insured must call UNIQA's assistance service on the number stated on the policy; if this is not possible, other claims must be reported without delay and no later than 24 hours after learning of an incident that is reportable to police.
Unauthorized treatment
The insurer is not obliged to cover costs that exceed reasonable and customary amounts for the same type of medical service at the place where it is provided, and it is not responsible for services provided by third-party medical providers outside the coordinated assistance network.
Purchase while abroad
The insurance contract must be concluded before departure abroad; coverage cannot be purchased once the insured is already travelling.
Chronic conditions
Treatment of chronic diseases and their consequences that existed or were known before policy inception is excluded, including diseases treated within the 6 months prior to the start of insurance, except for acute attacks where treatment was necessary to save life or relieve acute pain.
Pregnancy
Not explicitly addressed as a separate condition in the reviewed policy documents; pregnancy-related issues would likely fall under the general pre-existing/chronic condition exclusions unless they constitute an acute, life-threatening complication.
Pre-existing condition exclusions
Pre-existing conditions known or that should have been known at policy inception are excluded from cover, except for acute episodes requiring emergency life-saving or pain-relieving treatment.
Coverage duration limit
Short-term policies can be arranged for 1 to 364 days, while annual policies cover an unlimited number of trips abroad with a maximum of 5 weeks per single trip; costs incurred after the contracted period may still be covered for up to 4 weeks if a health-related return is proven impossible.
Where to buy
Policy specifics
Medical treatment costs abroad
Coverage for necessary medical treatment, medications, and medical transport to nearest hospital or clinic in case of acute illness or accident during travel
SourceRescue and transport costs
Coverage for search and rescue operations worldwide and medical transport to home country or nearest suitable facility
SourceEmergency dental treatment
Coverage for emergency dental procedures aimed at pain relief during travel
SourceLuggage loss and damage coverage
Coverage for lost, damaged or destroyed luggage due to carrier delay, accident, fire or natural disasters
SourceTrip cancellation and interruption
Coverage for costs incurred when canceling or interrupting travel due to illness or force majeure, reimbursing amounts paid to travel agency
SourceAccident disability and death benefit
Coverage for permanent disability or death resulting from accidents during travel, with benefits determined according to disability table
Source24/7 assistance service
Round-the-clock assistance service available in Croatian and other languages, included free with all travel insurance policies
SourceUnlimited annual trips
Annual policy covers unlimited number of trips abroad with maximum 5 weeks per single trip
SourceChronic disease exclusion
Coverage excludes treatment of chronic diseases that existed or were known before insurance inception, except for acute episodes when medical help was necessary to save life
SourceSource no longer reachableGeographic coverage scope
Insurance is valid worldwide and in Republic of Croatia unless otherwise agreed; voluntary health insurance is excluded in Croatia for Croatian citizens and foreigners with regulated temporary or permanent residence and mandatory health insurance in their country
SourcePolicy inception and duration
Contract must be concluded before departure abroad; coverage begins at 00:00 on day of trip commencement (when first travel service booking is confirmed) and ends at 23:59 on stated expiration date
SourcePremium payment requirements
Insured person and policyholders are obligated to report all circumstances relevant for risk assessment when concluding and during insurance; policyholders must pay premium within agreed time limits
SourceAssistance service coordination
UNIQA Assistance Service is a company with business cooperation agreement providing services abroad to insured persons according to agreed coverage terms; insurer and assistance service not responsible for services provided by third-party medical providers
SourceSource no longer reachableClaims notification procedures
Medical emergencies reported by phone to UNIQA assistance; other claims reported via online service, email, or written form to insurer; insurer may require translations and associated costs deducted from claim amount
SourceSource no longer reachableReasonable and customary cost requirement
Insurer not obligated to cover costs exceeding reasonable and customary amounts for same type of medical service in relevant location
SourceSource no longer reachable