Genikes Insurance
Genikes Insurance is a travel insurance for the CY market with online purchase and 24/7 assistance.
Direct payment
Claims are handled directly and effectively by Genikes Insurance following damages. Direct payment arrangements for medical emergencies may be coordinated through the 24-hour travel assistance service. Policyholders should contact the assistance line before seeking treatment wherever possible.
Geographic scope
CY
Worldwide; covers the entire duration of the trip abroad for a period of either 30 or 60 days
Unique selling points
- 24-hour travel assistance service is included as a standard benefit with every GIC travel insurance policy, providing round-the-clock support for medical and travel emergencies abroad.
- Flexible trip duration options of 30 or 60 days allow travelers to match coverage precisely to their journey length, with a minimal EUR 2 stamp fee per policy.
- Genikes Insurance was recognized as the Best General Sector Insurance Company in Cyprus at the World Finance Insurance Awards 2024, reflecting its established reliability and service quality.
- Online policy purchase and group travel insurance quotes are both available, with the entire policy issuance process completable digitally via the gic.com.cy portal.
- Broad age eligibility spanning travelers from 2 to 75 years, including children from age 2 when accompanied by a parent, making it suitable for the full range of individual and family travelers.
Coverage limits
Medical Expenses
Covered
Coverage for medical and pharmaceutical expenses arising from accident or sudden illness during the trip abroad. Personal accident and medical expenses coverage is available as part of the travel insurance plan.
Emergency Medical Treatment
Covered
Emergency medical treatment is covered during the trip. The 24-hour travel assistance service supports coordination of emergency care abroad.
Hospitalization
Covered
Hospitalization costs abroad are covered as part of the medical expenses benefit. Exact sub-limits are not disclosed in available marketing sources.
Outpatient Treatment
Covered
Outpatient medical treatment costs are covered under the medical expenses section. Specific limits are not publicly disclosed in available sources.
Emergency Dental Treatment
Covered
Emergency dental treatment is typically included as part of the travel medical cover. Specific limits are not disclosed in available marketing sources and must be confirmed in the full policy wording.
Medical Transport
Covered
Medical transport is coordinated through the 24-hour travel assistance service. Specific monetary limits are not disclosed in available public sources.
Medical Evacuation
Covered
Medical evacuation is coordinated through the 24-hour travel assistance service included with the policy. Specific monetary limits are not disclosed in available marketing sources.
Repatriation of Remains
Covered
Repatriation of remains in the event of death during the trip is covered through the travel assistance service. Exact limits are not publicly stated in available sources.
Search and Rescue
Covered
Search and rescue coverage details are not explicitly disclosed in available public marketing sources. Coverage is expected to be coordinated via the 24-hour assistance service.
COVID-19 Treatment
Conditional
COVID-19 treatment coverage status is not explicitly confirmed or excluded in available GIC marketing sources. Whether COVID-19 is treated as a standard illness or excluded requires verification in the full policy wording.
Pre-existing Medical Conditions
Conditional
Coverage for pre-existing conditions is not explicitly confirmed in the available marketing sources. Standard travel insurance products in Cyprus typically exclude or conditionally cover pre-existing conditions. Full policy wording must be consulted.
Winter Sports Cover
Optional
Winter sports coverage is not explicitly confirmed as a standard inclusion or optional add-on in available marketing sources. This must be verified in the full policy wording or via quote flow.
Adventure Sports Cover
Optional
Adventure sports coverage is not explicitly confirmed in available marketing sources. Coverage availability and terms must be verified in the full policy wording or quote flow.
Pregnancy Complications
Conditional
Coverage for pregnancy complications is not explicitly stated in available marketing sources. Standard travel insurance policies in Cyprus may cover emergency complications. Full policy wording must be consulted.
Personal Liability
Optional
Personal liability coverage is not explicitly confirmed as a standard inclusion in available marketing sources for this personal travel product. It may be available as part of a plan option. Full policy wording must be consulted.
Legal Assistance
Conditional
Legal assistance coverage is not explicitly confirmed or excluded in available marketing sources. Coverage status must be verified in the full policy wording.
24/7 Travel Assistance
Covered
Travel assistance is provided 24 hours a day as a standard inclusion with GIC Travel Insurance, covering coordination of medical, emergency and travel-related support throughout the trip.
Key conditions
Assistance call deadline
Policyholders should contact the 24-hour travel assistance service as soon as possible in the event of a medical emergency. Prior authorization is typically required before incurring significant medical expenses. Specific deadlines are not publicly disclosed and must be confirmed in the full policy wording.
Unauthorized treatment
Treatment obtained without prior contact with or authorization from the 24-hour assistance service may not be reimbursed or may result in reduced benefits. Specific penalty terms must be confirmed in the full policy wording.
Purchase while abroad
The policy must generally be purchased before departure. Purchase while already abroad is not confirmed as available for this product. The online purchase portal allows purchase prior to the trip.
Chronic conditions
Chronic diseases and pre-existing medical conditions are typically subject to exclusion or specific conditions under standard travel insurance. Coverage for chronic conditions must be verified in the full policy wording.
Pregnancy
Coverage for pregnancy and pregnancy-related complications during travel is not explicitly confirmed in available marketing sources. Policyholders who are pregnant should verify coverage terms in the full policy wording before purchase.
pre_existing_conditions
Pre-existing medical conditions are subject to standard exclusion terms. Coverage may be conditional or unavailable depending on the condition. Policyholders should review the full policy wording to understand what pre-existing conditions may be covered or excluded.
coverage_duration_limit
Travel insurance covers the entire duration of the trip for a period of either 30 or 60 days per trip. A stamp fee of EUR 2 applies to each policy.
Where to buy
Policy specifics
Luggage and personal effects coverage
Coverage for loss, damage or destruction of luggage and personal belongings during travel
Age eligibility for travel insurance
Travel insurance is available for travelers aged 2-75 years; children aged 2-16 must be accompanied by a parent
Trip duration coverage period
Travel insurance covers the entire duration of the trip for a period of either 30 or 60 days