Wiener osiguranje Vienna Insurance Group d.d.
Wiener osiguranje
Wiener osiguranje is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
If the insured follows the insurer's instructions and contacts the 24/7 assistance centre (APRIL INTERNATIONAL / APRIL Croatia Assistance) before treatment, the insurer pays the medical facility directly; otherwise the insured must pay out of pocket and later claim reimbursement with original invoices and medical documentation.
Geographic scope
Worldwide, excluding Croatia and the insured person's country of permanent residence or country of public/primary healthcare entitlement
Personal liability cover applies only to Europe, outside Croatia
Starting price
€2
Unique selling points
- Travel insurance premiums start from as little as EUR 1.99 per person, among the most affordable on the Croatian market.
- Children up to 2 years of age are insured free of charge when traveling with an insured adult.
- Clients who opt for digital communication as their primary channel receive a 5% 'green' discount.
- Luggage cover pays out for loss, destruction or delay without requiring the customer to prove the value of the items.
- Optional trip cancellation cover reimburses 90% of the amount charged by the travel agency in case of a covered cancellation or interruption.
Coverage limits
Medical expenses abroad
Covered
Minimum sum insured of EUR 15,000 for Europe cover, EUR 30,000 for Worldwide cover (for trips outside Croatia and for foreign nationals in Croatia), rising to EUR 50,000 for the Annual travel insurance policy.
Emergency medical treatment
Covered
Covers first medical assistance, clinical treatment using scientifically proven methods, necessary medication and surgery, within the overall medical sum insured (no separate sub-limit).
Hospitalization
Covered
Inpatient/hospital treatment is covered within the overall medical sum insured. If hospitalization abroad continues more than 7 days after the planned end of the trip and an insured family member accompanies the patient, the insurer additionally pays up to EUR 50 per night for the companion's hotel room, for a maximum of 7 nights.
Outpatient treatment
Covered
Outpatient medical visits, diagnostics (X-ray, laboratory), walking aids and medical devices prescribed by a doctor are covered within the overall medical sum insured.
Emergency dental treatment
Covered
Dental treatment solely to relieve acute toothache is covered up to EUR 150.
Local medical transport
Covered
Transport costs (including taxi) to the nearest hospital or doctor due to the insured's health condition are covered up to EUR 1,500.
Medical evacuation / repatriation for treatment
Covered
If the insured's health condition requires necessary transport to the home country, the insurer organizes and covers this up to EUR 4,000; only the insurer's doctors may decide on the advisability and means of transport.
Repatriation of mortal remains
Covered
In case of death, the insurer organizes and covers the cost of transporting the body to the deceased's home, or covers burial costs at the place of death, up to a limit of EUR 4,000 including coffin costs.
Search and rescue
Not offered
No dedicated search-and-rescue benefit is specified in the policy documents; participation in search operations for another person is treated as a risk exposure, not as a covered benefit.
COVID-19 treatment
Not offered
The terms (dated 2018) contain no specific COVID-19 clause; a general exclusion applies to losses caused by epidemics or pandemics that were already known before departure.
Pre-existing conditions
Excluded
Chronic illnesses and their consequences that existed, were known, or should have been known at the time the policy was concluded are excluded, even if untreated; illnesses treated within the 6 months before the policy start are also excluded, except for emergency life-saving treatment or acute pain relief.
Winter sports cover
Conditional
Recreational skiing selected under the 'rest/recreation' trip purpose is covered under the base policy; accidents arising from amateur or professional skiing competitions or organized training require payment of an additional premium, without which such accidents are excluded.
Adventure/extreme sports cover
Excluded
Accidents arising from extreme sports, parachute jumps, extreme mountain expeditions without a licensed guide or above 6,000 m altitude, expeditions, and white-water sports activities are excluded, with no option to buy back this cover.
Pregnancy complications
Conditional
Consequences of pregnancy or complications (deliberate termination, delivery, miscarriage) are excluded; however, in case of acute complications during pregnancy, the insurer covers the cost of the first medical intervention necessary to remove danger to the life of the mother and/or child.
Personal liability
Covered
Covers the insured's civil non-contractual liability for death, bodily injury, or damage/destruction of a third party's property, limited to Europe outside Croatia; the insured bears a deductible of HRK 1,000 per claim, deducted from the sum insured stated on the policy.
Legal assistance
Covered
Legal assistance is provided only as part of the personal liability cover: the insurer investigates the insured's liability, defends against unfounded or excessive claims, and conducts litigation on the insured's behalf; it is not a standalone travel legal-assistance benefit.
24/7 assistance
Covered
A round-the-clock assistance centre (APRIL INTERNATIONAL / APRIL Croatia Assistance) authorizes treatment and provides further instructions after a claim is reported.
Key conditions
Assistance call deadline
The insured must contact the insurer (assistance centre) no later than 5 days after the insured event occurs, except in unforeseen circumstances or force majeure.
Unauthorized treatment
There is no fixed percentage penalty; if the insured did not follow the insurer's instructions, they must explain the reasons, and after the insurer establishes its liability it will reimburse the eligible medical costs, including home-visit and medicine costs.
Purchase while abroad
The insurance contract must be concluded exclusively before the trip begins; it cannot be purchased once travel has already started or while abroad.
Chronic conditions
Chronic illnesses and their consequences that existed or were (or should have been) known when the policy was concluded are excluded, even if untreated; illnesses treated in the 6 months before the policy start are excluded except for emergency life-saving care or relief of acute pain.
Pregnancy
Pregnancy-related events (deliberate termination, delivery, miscarriage) are excluded, except that the first medical intervention needed to remove danger to the life of the mother and/or child during acute pregnancy complications is covered.
Pre-existing condition exclusions
Pre-existing and previously known conditions are excluded from cover, including their consequences, whether or not they were previously treated.
Coverage duration limit
Cover may last from a minimum of 1 up to 365 days for short-term individual policies; family and group policies can be contracted for 1 up to 90 days; the Annual travel policy runs for exactly one year, provided no single trip exceeds 30 days.
Where to buy
Policy specifics
Flight delay compensation
Insurance covers compensation for flight delays exceeding 4 hours
Luggage insurance
Covers loss, damage or delay of luggage without requiring proof of value
Trip cancellation reimbursement
Reimburses 90% of travel costs in case of unforeseen circumstances requiring trip cancellation or interruption
Accidental death in traffic accident
Coverage for death as a result of traffic accident during travel
Bone fracture coverage
Coverage for bone fractures with additional one-time benefit if immobilization with cast for 14+ days is required
Direct payment to medical facilities
Insurance pays medical facility directly when policyholder follows insurer instructions and contacts assistance center (APRIL INTERNATIONAL) before treatment
Territorial coverage exclusion
Coverage excludes insured person's country of permanent residence and countries where insured holds public/primary healthcare rights
Pre-approval requirement with assistance network
Insureds must contact assistance center (APRIL INTERNATIONAL/APRIL Croatia Assistance) and obtain written authorization before seeking treatment to qualify for direct payment
Claim notification deadline
Insured must notify insurer (assistance center) no later than 5 days after insured event, except in unforeseen circumstances or force majeure
Dental treatment limit
Dental services covered only for acute pain relief, with different limits depending on policy variant: up to 150 EUR for package conditions (WU 18.0311-17) or up to 80 EUR for standalone travel health insurance (WU 18.0320-19)
Increased risk for older insured persons
Persons over 80 years of age are classified as higher risk for travel health insurance