ERB Asfalistiki
ERB Asfalistiki is a travel insurance for the CY market with no online purchase and 24/7 assistance.
Direct payment
Direct payment of medical/hospitalization expenses is available when the assistance center is notified in advance; otherwise reimbursement applies after submission of receipts and documentation.
Geographic scope
CY
Worldwide excluding the insured person's country of residence (Cyprus); coverage applies only to trips outside Cyprus
Unique selling points
- Leading general insurer in Cyprus backed by Eurobank Group – one of Southeast Europe's largest financial groups – providing financial stability and long-term reliability.
- Comprehensive travel insurance covering individuals, families, and groups (including shopkeepers, factory owners, hoteliers, and organizations) under a single policy structure.
- 24/7 integrated mobile app management for all general insurance policies including travel – the first such solution launched in Cyprus.
- Optional money loss coverage available as an add-on, providing flexibility beyond standard baggage and medical benefits for travelers requiring broader financial protection.
- Loss of wages due to temporary disability from travel accidents is included as a covered benefit – a feature not always found in standard market travel policies.
Coverage limits
Medical expenses due to accident or illness
Covered
Coverage for medical expenses arising from accident or illness during travel outside Cyprus or the insured's country of residence. Specific limit amounts are not publicly disclosed on the product page; coverage is confirmed as a core benefit.
Emergency medical treatment abroad
Covered
Emergency medical treatment is covered as part of the core medical expenses benefit for incidents outside Cyprus. Exact sub-limits not disclosed publicly.
Hospitalization expenses
Covered
Hospitalization costs during travel abroad are covered under the medical expenses section. Specific limits not publicly stated on the product page.
Outpatient treatment
Covered
Outpatient treatment is part of the broader medical expenses coverage for accidents and illness during travel. No separate limit stated.
Emergency dental treatment
Covered
Emergency dental treatment is referenced as part of medical expenses coverage for accident or illness during travel. No specific sub-limit publicly disclosed.
Medical transport / ambulance
Covered
Medical transport to the nearest appropriate medical facility is part of the travel assistance coverage. Specific limit not publicly stated.
Medical evacuation
Covered
Medical evacuation is included as part of the comprehensive travel assistance program. Specific limits not publicly disclosed.
Repatriation of mortal remains
Covered
Repatriation of mortal remains is referenced as a covered benefit under the travel insurance program. No specific limit publicly stated.
Search and rescue
Excluded
Search and rescue is not explicitly listed as a covered benefit in the available product descriptions. Activities such as mountaineering and diving are listed as exclusions.
COVID-19 treatment
Conditional
COVID-19 treatment coverage is not explicitly confirmed or denied in the accessible product page content. General medical expenses coverage may apply if COVID-19 is treated as an illness, subject to policy terms. Specific COVID-19 coverage status not publicly disclosed.
Pre-existing conditions
Excluded
Pre-existing disability or illness is explicitly listed as an exclusion in the policy. Insureds are required to declare all relevant information in the Insurance Proposal.
Winter sports cover
Excluded
Winter sports are explicitly excluded from the standard travel insurance policy. Losses arising from skiing and similar winter activities are not covered under the base product.
Adventure / extreme sports cover
Excluded
Mountaineering, speed races, and diving are explicitly excluded from the standard policy. Adventure and extreme sports activities are not covered.
Pregnancy complications
Conditional
Coverage for pregnancy complications is not explicitly addressed in the publicly available product page. General medical expenses coverage may apply subject to policy terms and conditions.
Personal liability abroad
Conditional
Personal liability coverage is not explicitly confirmed or listed as a standard benefit in the publicly available product description. Coverage status requires verification from full policy terms.
Legal assistance abroad
Conditional
Legal assistance is not explicitly listed as a standard benefit in the publicly available product description. Coverage status requires verification from full policy terms.
24/7 travel assistance
Covered
24/7 assistance for general insurance matters is confirmed via the ERB Asfalistiki mobile application, available 24 hours a day, 365 days a year.
Key conditions
Assistance call deadline
Medical expenses and hospitalization must be notified immediately to the assistance center upon occurrence, or cover may be denied. The Eurobank cardholder certificate (held at ERB Asfalistiki's Nicosia offices) explicitly states that failure to notify immediately may result in denial of coverage.
Unauthorized treatment
Treatment obtained without notifying the assistance center first may not be reimbursed. Failure to notify may prejudice or delay the right to indemnity or benefit under the insurance.
Purchase while abroad
The policy must be purchased prior to departure from Cyprus. Policies must be obtained from any ERB Asfalistiki office or from an Insurance Agent before travel begins.
Chronic conditions
Pre-existing disability or illness is explicitly excluded from coverage. Insureds must declare all information in the Insurance Proposal; failure to disclose may void coverage for undeclared conditions.
Pregnancy
Pregnancy and pregnancy-related complications are not explicitly addressed in the publicly available product description. The general medical expenses coverage may apply subject to policy terms; status must be confirmed from full policy documentation.
pre_existing_conditions
Pre-existing disability or illness ("Προϋπάρχουσα ανικανότητα ή ασθένεια") is listed as an explicit exclusion. Insureds must declare all health information at the time of the Insurance Proposal; non-disclosure may result in denial of claims.
coverage_duration_limit
The policy is issued on an annual insurance fee basis for the duration of each trip; the exact maximum number of days per trip is not publicly stated. Coverage applies for the duration of any kind of trip outside Cyprus.
Where to buy
Policy specifics
Medical expenses coverage for incidents outside Cyprus
Coverage for medical expenses is explicitly restricted to incidents arising outside Cyprus or outside the insured person's country of residence
Loss of wages (temporary disability)
Coverage for loss of wages due to temporary disability following an accident from external, violent and visible means
Optional loss of money coverage
Optional insurance cover available for loss of money
Loss or damage to baggage or money
Coverage for loss or damage to baggage or money is listed as a core covered benefit. Valuables exceeding €342 must be declared; otherwise, they are excluded from coverage.
Emergency assistance notification requirement
Medical expenses and hospitalization must be notified immediately or coverage may be denied
Full disclosure obligation at proposal stage
It is of high importance to state all information and details required in the Insurance Proposal. Non-disclosure of material facts may affect the validity of claims.