Ydrogios Insurance and Reinsurance S.A.
Ydrogios
Ydrogios is a travel insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
Not explicitly stated on product page; purchase is available through Ydrogios insurance advisors (agents) or by contacting the company directly. Direct payment of medical expenses abroad is not confirmed from available sources.
Geographic scope
Greece and international
Worldwide coverage for both leisure and business travel, for individuals and professionals
Unique selling points
- Three selectable programme tiers with differentiated maximum coverage limits, allowing customers to match coverage to their destination and trip requirements.
- Personal civil liability (αστική ευθύνη) is explicitly included in all travel programme tiers as a core benefit, not an optional add-on.
- Comprehensive protection against accidental events and travel incidents (luggage loss, flight delays, and more) is combined in a single programme.
- Ydrogios is backed by the Reale Group (Italian multinational insurer), providing financial solidity with total basic own funds exceeding €121 million as of 31/12/2025.
- Programmes are available for both individuals and businesses/professionals, with premiums tailored by destination and duration.
Coverage limits
Medical Expenses
Covered
Medical expense coverage is included across all three programme tiers, with differentiated maximum coverage limits per tier. Specific per-tier monetary limits were not retrievable from the available sources; the coverage table on the product page requires browser interaction to view.
Emergency Medical Treatment
Covered
Emergency medical treatment is included in the travel insurance programmes. Specific monetary limits per tier were not retrievable from available sources.
Hospitalization
Covered
Hospitalization is covered under the travel insurance programmes. Specific monetary limits were not retrievable from available sources.
Outpatient Treatment
Covered
Outpatient treatment is expected to be covered as part of medical expense coverage. Specific limits were not found in available sources.
Emergency Dental Treatment
Covered
Emergency dental treatment is referenced as part of the travel insurance programmes. Specific monetary limits were not retrievable from available sources.
Medical Transport
Covered
Medical transport (including repatriation after accident or sudden illness) is referenced as a feature of the travel insurance programme. Specific monetary limits were not retrievable from available sources.
Medical Evacuation
Covered
Medical evacuation is referenced as part of travel assistance coverage. Specific monetary limits were not found in available sources.
Repatriation of Remains
Covered
Repatriation of remains in the event of death is referenced in the travel insurance programme description. Specific monetary limits were not found.
Search and Rescue
Not offered
Search and rescue coverage was not explicitly mentioned in the available sources for this product.
COVID-19 Treatment
Not offered
COVID-19 treatment coverage was not explicitly mentioned in the available sources for this product. Coverage may fall under general medical expenses but is not confirmed.
Pre-existing Medical Conditions
Excluded
Pre-existing medical conditions are typically excluded from Greek travel insurance products. No explicit confirmation for this product was found in available sources.
Winter Sports Cover
Not offered
Winter sports coverage was not explicitly mentioned in the available sources for this product.
Adventure Sports Cover
Not offered
Adventure sports coverage was not explicitly mentioned in the available sources for this product.
Pregnancy Complications
Not offered
Pregnancy complications coverage was not explicitly mentioned in the available sources for this product.
Personal Liability
Covered
Personal civil liability during the trip is explicitly included in all Ydrogios travel insurance programmes. Specific monetary limits were not retrievable from available sources.
Legal Assistance
Covered
Legal assistance is referenced in the context of travel liability coverage. Specific monetary limits were not found in available sources.
24/7 Assistance
Covered
24/7 assistance is included in the travel insurance programmes. Contact is made through the Ydrogios telephone centre (210 94 77 335).
Key conditions
Assistance call deadline
Not specified in available sources. Policyholders should contact the Ydrogios telephone centre (210 94 77 335) as soon as possible in an emergency.
Unauthorized treatment
Not specified in available sources. Policyholders are advised to contact the insurer before seeking non-emergency treatment abroad.
Purchase while abroad
Not specified in available sources. The product appears to be sold through Ydrogios agents and advisors prior to travel.
Chronic conditions
Chronic diseases are typically excluded from Greek travel insurance products. Specific policy language was not found in available sources.
Pregnancy
Pregnancy coverage conditions were not specified in available sources.
Pre-existing condition exclusions
Pre-existing medical conditions are typically excluded. Specific exclusion language for this product was not found in available sources.
Coverage duration limit
The insurance premium is determined by the chosen programme, destination, and duration of trip. Maximum duration per trip is not specified in available sources.
Policy specifics
Three-tier Programme Structure
Ydrogios offers three travel insurance programmes with differentiated maximum coverage limits. Premiums are determined by the chosen programme, destination, and trip duration. Specific tier names and per-tier limits were not available from the sources reviewed.
Personal Civil Liability Included
All Ydrogios travel insurance programmes explicitly include personal civil liability (αστική ευθύνη) coverage for the duration of the trip.
Purchase via Insurance Agent or Advisor
The Ydrogios travel insurance product does not appear to offer direct online self-service purchase. Customers are directed to contact an insurance advisor or the company's telephone centre (210 94 77 335).