Wiener osiguranje Vienna Insurance Group d.d.

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.

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

Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Ostvarivanje prava iz osiguranja

U slučaju nastupa osiguranog slučaja osiguranik je dužan pridržavati se uputa osiguratelja, koje su sastavni dio police osiguranja. […] Ako se osiguranik pridržavao uputa iz stavka (1) ovog članka, tada ne mora u inozemstvu podmiriti troškove iz članka 15. ovih Uvjeta.

Territorial coverage exclusion

Coverage excludes insured person's country of permanent residence and countries where insured holds public/primary healthcare rights

Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Područje na kojem vrijedi osiguranje

Osigurateljno pokriće, temeljem ovih Uvjeta, vrijedi za sve zemlje navedene na polici osiguranja, izuzev država u kojima osiguranik ima stalno prebivalište ili pravo na javnu zdravstvenu zaštitu.

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

Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Ostvarivanje prava iz osiguranja

U slučaju nastupa osiguranog slučaja osiguranik je dužan pridržavati se uputa osiguratelja, koje su sastavni dio police osiguranja. […] Ako se osiguranik pridržavao uputa iz stavka (1) ovog članka, tada ne mora u inozemstvu podmiriti troškove iz članka 15. ovih Uvjeta.

Claim notification deadline

Insured must notify insurer (assistance center) no later than 5 days after insured event, except in unforeseen circumstances or force majeure

Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Ostvarivanje prava iz osiguranja

Osiguranik je dužan kontaktirati osiguratelja najkasnije 5 dana nakon osiguranog slučaja, osim u nepredviđenim slučajevima i slučajevima više sile.

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)

Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Opseg osigurateljeve obveze

stomatološku uslugu isključivo u svrhu oslobađanja akutne zubobolje do 150 EUR;

Increased risk for older insured persons

Persons over 80 years of age are classified as higher risk for travel health insurance