Travel insurance — Italy

[1] Medical expenses: €3,000,000 – €20,000,000 ↩

Reimbursement or direct payment of emergency medical expenses (treatment, hospitalisation, pharmaceutical costs, professional fees) sustained abroad, up to €3,000,000 (Silver), €10,000,000 (Gold) or €20,000,000 (Platinum); a separate, lower sub-limit of €5,000/€10,000/€15,000 applies for medical expenses incurred in Italy. A €100 deductible applies unless the insured holds a European Health Insurance Card (Silver/Gold); no deductible on Platinum.

RIMPATRIO E SPESE MEDICHE all'estero € 3.000.000,00 € 100,00 € 10.000.000,00 € 100,00 € 20.000.000,00 nessuna in Italia € 5.000,00 € 100,00 € 10.000,00 € 100,00 € 15.000,00 nessuna

[2] Medical transport: Unlimited ↩

The Assistance Platform arranges and pays the actual cost ('spese effettive', no monetary cap stated) of transporting the insured to the most suitable hospital facility, by air ambulance, scheduled flight, sleeper/couchette, ambulance or other suitable means, with medical escort if required.

Trasporto dell'Assicurato al centro medico ... Spese effettive

[3] COVID-19 treatment: Not established from the reviewed documents ↩

No specific COVID-19 benefit or exclusion is mentioned in the provided policy documents; not addressed as a distinct coverage.

[4] Personal liability: €1,000,000 – €2,800,000 ↩

AIG indemnifies the insured for sums they are legally liable to pay as compensation (capital, interest and costs) for accidental death, personal injury and property damage caused unintentionally to third parties during the trip, up to €1,000,000 (Silver), €2,500,000 (Gold) or €2,800,000 (Platinum); a €360 deductible applies on Silver/Gold, none on Platinum. Available only under the full 'TravelGuard Viaggio Singolo' product, not the limited 'Assistenza e Bagaglio' variant.

C-RESPONSABILITA' CIVILE VERSO TERZI € 1.000.000,00 € 360,00 € 2.500.000,00 € 360,00 € 2.800.000,00 nessuna

[5] Emergency dental: €300 – €500 ↩

Reimbursement of urgent dental treatment costs (medication, filling, root canal or extraction) that cannot be postponed until return to Italy without aggravation or excessive pain, up to €300 (Silver), €400 (Gold) or €500 (Platinum); a €100 deductible applies on Silver/Gold, none on Platinum.

Spese odontoiatriche urgenti € 300,00 € 100,00 € 400,00 € 100,00 € 500,00 nessuna

[6] Search & rescue: €7,000 ↩

Reimbursement or direct payment of search, rescue (including sled) and salvage (including helicopter) costs charged by civil or military rescuers following the insured's disappearance or injury, up to €2,000 per insured person and €7,000 per claim.

Spese di ricerca, soccorso e salvataggio ... € 2.000 per assicurato, € 7.000 per sinistro

[7] Legal assistance: €10,000 – €70,000 ↩

Reimbursement of legal fees and court costs arising from compensation claims brought by the insured or their heirs against third parties following the insured's death, illness or injury during the trip, up to €10,000 (Silver), €35,000 (Gold) or €70,000 (Platinum) with a €360 deductible on Silver/Gold. Separately, 'Assistenza legale all'estero' covers legal defence costs up to €3,000 (all tiers) if the insured is arrested or subject to a warrant, plus bail advance up to €15,000.

D-SPESE LEGALI € 10.000,00 € 360,00 € 35.000,00 € 360,00 € 70.000,00 nessuna

[8] Emergency medical treatment: €3,000,000 – €20,000,000 ↩

Reimbursement or direct payment of emergency medical treatment costs sustained by the insured while travelling, within the medical expenses limits and deductibles shown in the benefits table; also includes reimbursement of urgent dental treatment costs (€300/€400/€500).

Spese odontoiatriche urgenti € 300,00 € 100,00 € 400,00 € 100,00 € 500,00 nessuna

[9] Hospitalization: €3,000 – €4,500 ↩

Daily cash allowance (€15 per 24-hour period) for hospitalization abroad following covered illness/injury, up to €3,000 (Gold) or €4,500 (Platinum), intended to cover incidental costs such as taxis and phone calls. Only available if a Gold or Platinum policy is purchased; not available on Silver, not applicable to hospital stays in Italy or after the insured's return to Italy.

I-DIARIA OSPEDALIERA n.a. n.a. € 15 per ogni periodo di 24ore, max. € 3.000 nessuna € 15 per ogni periodo di 24ore, max. € 4.500 nessuna

[10] Outpatient treatment: Covered ↩

Outpatient/ambulatory treatment is not itemized as a separate benefit; such costs are covered within the overall 'Spese Mediche di emergenza' (emergency medical expenses) limit described under medical_expenses.

[11] Medical evacuation: Unlimited ↩

Following hospitalization abroad and discharge, the Assistance Platform organises and pays the actual cost ('spese effettive', no monetary cap stated) of the insured's transport back to their home in Italy by the medically appropriate means (air ambulance, scheduled flight, sleeper/couchette, ambulance, etc.).

Rimpatrio dell'Assicurato al proprio domicilio ... spese effettive

[12] Repatriation of remains: Unlimited ↩

In case of death abroad, AIG organises and pays the actual cost ('spese effettive', no monetary cap stated) of transporting the body to the place of burial at the insured's domicile in Italy; a separate sub-limit of €3,000 applies to funeral expenses (first preservation, administrative costs and the first coffin needed for transport) for trips abroad only.

Rimpatrio della salma in caso di decesso Spese funerarie € 3.000

[13] Pre existing conditions: Excluded ↩

Claims arising from any pre-existing medical condition (illness or injury) that was the subject of medical consultation, examination, care or treatment, or that manifested or was contracted, in the 12 months preceding the date the policy was issued, are excluded from all coverages.

qualsiasi condizione medica (relativa a Malattia o Infortunio) preesistente, che sia stata oggetto di consultazione o esame medico e/o di cure o trattamenti, oppure che si sia manifestata e/o sia stata contratta nei 12 mesi precedenti la data di emissione della polizza;

[14] Winter sports cover: €300 – €450 ↩

Optional add-on (extra premium required) available with Silver, Gold or Platinum, only for insured persons up to 64 years of age, operating for a maximum of 17 days: piste closure (€300), avalanche delay (€300), ski equipment rental after loss/damage (€300), and 'ski pack' reimbursement (€300 Silver/Gold, €450 Platinum).

O-CHIUSURA DELLA PISTA € 300,00 nessuna € 300,00 nessuna € 300,00 nessuna P-VALANGHE € 300,00 € 70,00 € 300,00 € 70,00 € 300,00 nessuna Q-NOLEGGIO DEGLI SCI € 300,00 nessuna € 300,00 nessuna € 300,00 nessuna R-SKI PACK € 300,00 nessuna € 300,00 nessuna € 450,00 nessuna

[15] Adventure sports cover: Conditional ↩

'Attività Pericolose' (a listed range of activities such as cycling, diving to 30m, hiking below 4,000m, orienteering, sailing as qualified crew, etc.) are automatically covered under standard policy limits at no extra premium, provided they are not competitions/training/trials, not practised professionally, and are carried out under a qualified instructor with recommended safety equipment. 'Attività Particolarmente Pericolose' (a listed range of extreme activities such as mountaineering, BASE/bungee jumping, boxing, heli-skiing, motor sports, skydiving, etc.) are always excluded regardless of tier.

Sono sempre incluse in copertura le Attività Pericolose, a condizione che: - non siano configurabili come gare/tornei /allenamenti/prove; - non siano svolte a livello professionistico; - vengano effettuate sotto la guida di istruttori esperti e qualificati, all'interno delle linee guida previste e con l'utilizzo di tutte le attrezzature di sicurezza eventualmente raccomandate. Sono sempre escluse le Attività Particolarmente Pericolose.

[16] Pregnancy complications: Excluded ↩

Travel is excluded from cover if the insured is pregnant and the expected delivery date falls within the 12 weeks preceding the end of the booked trip (16 weeks in case of multiple pregnancy); medical expenses arising from the diagnosis or treatment of a physiological state (e.g. pregnancy) already known before the start of the trip are excluded.

se l’Assicurato è in stato di gravidanza e la data presunta di parto ricade nelle dodici settimane precedenti la fine del Viaggio prenotato (o sedici settimane in caso di gravidanza multipla).

[17] Medical expenses: €1,000,000 ↩

Direct payment of hospital and surgical expenses; reimbursement of all other medical expenses including urgent dental care, up to the maximum limit indicated in the policy. Coverage valid also in case of diagnosed epidemics or pandemics such as COVID-19.

[18] Medical transport: Not established from the insurer's documents ↩

Reimbursement of transport expenses to first aid or medical centre: €1,550 for trips within Italy; €5,500 for Europe, Worldwide, and USA/Canada.

Rimborso spese trasporto al pronto soccorso o centro medico: Italia 1.550€, Europa 5.500€, Mondo 5.500€, Stati Uniti e Canada 5.500€

[19] COVID-19 treatment: Not established from the insurer's documents ↩

Direct payment of hospital and surgical expenses in case of diagnosed epidemics or pandemics (e.g. COVID-19): €10,000 for trips within Italy; €150,000 for Europe; €200,000 for the rest of the world; €300,000 for USA/Canada.

Pagamento diretto spese mediche, ospedaliere e chirurgiche in caso di pandemie ed epidemie (ad esempio Covid-19): Italia 10.000€, Europa 150.000€, Mondo 200.000€, Stati Uniti e Canada 300.000€

[20] Personal liability: Not established from the insurer's documents ↩

Personal liability (third-party damages) is included under Travel Care, with compensation up to €200,000 for damage unintentionally caused to third parties, subject to a €200 excess for damage to property and animals.

Risarcimento per danni procurati involontariamente a terzi: 200.000€ Franchigia per danni procurati a cose ed animali: 200€.

[21] Emergency dental: Not established from the insurer's documents ↩

Reimbursement of urgent dental care expenses up to €550, for all destinations (Italy, Europe, Worldwide, USA/Canada).

Rimborso spese odontoiatriche urgenti: Italia 550€, Europa 550€, Mondo 550€, Stati Uniti e Canada 550€

[22] Search & rescue: Not established from the insurer's documents ↩

No search and rescue limit could be confirmed for the Travel Care Comfort tier; the only figure found (€25,000) was described for the Travel Care Premium tier.

È presente anche la copertura per ricerca e soccorso (fino a 25000 euro per assicurato);

[23] Legal assistance: Not established from the insurer's documents ↩

Legal assistance abroad up to €1,000 per event, plus a bail advance up to €10,000 per event; no cap applies for trips within Italy.

Assistenza legale: 1.000€ (massimale non previsto in caso di viaggi in Italia) Anticipo della cauzione: 10.000€ (massimale non previsto in caso di viaggi in Italia)

[24] Emergency medical treatment: €1,000,000 ↩

Coverage for sudden and unexpected illness or injury during travel that could cause serious harm if not treated before returning home; covered up to the medical expenses maximum limit. Includes COVID-19 and other pandemics.

[25] Hospitalization: €1,000,000 ↩

Direct payment of hospital and surgical expenses; covered up to the medical expenses maximum limit (1,000,000 EUR for Comfort). Medical monitoring by company medical staff during hospitalization.

[26] Outpatient treatment: Not established from the insurer's documents ↩

Reimbursement of medical and/or pharmaceutical expenses: €550 for trips within Italy; €1,300 for Europe, Worldwide, and USA/Canada.

Rimborso spese mediche e/o farmaceutiche: Italia 550€, Europa 1.300€, Mondo 1.300€, Stati Uniti e Canada 1.300€

[27] Medical evacuation: Not established from the insurer's documents ↩

Medical transport/repatriation is included for all destinations: from the first-aid or admitting medical centre to a better-equipped medical centre, or from the medical centre to the insured's home, with no stated maximum limit.

trasporto – rientro sanitario, per tutte le destinazioni dal centro medico di pronto soccorso o di primo ricovero ad un centro medico meglio attrezzato; dal centro medico alla residenza dell'Assicurato

[28] Repatriation of remains: Not established from the insurer's documents ↩

Repatriation of remains up to the place of burial in Italy is included for all destinations, with no stated maximum limit.

rientro della salma fino al luogo di sepoltura in Italia, per tutte le destinazioni

[29] Pre existing conditions: Covered ↩

All Travel Care policies (Basic, Comfort, Premium) include coverage for pre-existing medical conditions. This exclusion applies only to the Travel Cancel (trip cancellation) product, which excludes conditions that in the 120 days before purchase caused symptoms, required medical visits or treatment, or involved prescribed medication.

[30] Winter sports cover: Excluded ↩

Winter sports coverage is not included in Travel Care Comfort. A separate dedicated product, Travel Ski, is available from Allianz Partners for winter sports activities.

[31] Adventure sports cover: Excluded ↩

Adventure or extreme sports coverage is not included as a standard feature of Travel Care Comfort. The general policy excludes acts of gross negligence and potentially hazardous activities not covered by standard terms.

[32] Pregnancy complications: Conditional ↩

Unexpected and sudden complications of pregnancy occurring during the trip may be covered under the medical expenses guarantee as they constitute unexpected illness. Routine pregnancy and childbirth are typically excluded. Specific terms should be verified in the full policy conditions.

[33] Medical expenses: €3,000,000 ↩

Covers usual costs for medical treatment following a sudden illness or accident occurring during the trip, and reimburses urgent dental treatment (subject to a sub-limit within this guarantee), up to the maximum medical-expenses limit shown in the Guarantees Summary. The limit is selectable by tier, up to a maximum of €3,000,000 in the Premium tier; the specific Basic and Comfort tier limits are not stated in the documents reviewed. Cover remains valid in case of a diagnosed epidemic or pandemic such as COVID-19.

[34] Medical transport: Covered ↩

Emergency medical transport is organized in case of a medical emergency during the trip; this cover remains operative also in case of a diagnosed epidemic or pandemic such as COVID-19.

[35] COVID-19 treatment: Covered ↩

Medical and assistance benefits remain operative in case of a diagnosed epidemic or pandemic such as COVID-19, drawing on the same overall medical-expenses limit as other illnesses.

[36] Personal liability: Not established from the reviewed documents ↩

Not found in the Travel Care Premium IPID or the travel-care.html product page; personal liability appears to be a feature of other Allianz travel products (e.g. multi-trip/annual policies) rather than of this single-trip product, based on the documents reviewed.

[37] Emergency dental: Covered ↩

Dental treatment following an accident, dental infection, loss of a filling or a broken tooth occurring during the trip is reimbursed, subject to a sub-limit within the medical-expenses guarantee; the specific sub-limit amount is not stated in the documents reviewed.

[38] Search & rescue: Not established from the reviewed documents ↩

Not found in the documents reviewed for this product.

[39] Legal assistance: Not established from the reviewed documents ↩

Not found in the documents reviewed for this product.

[40] Emergency medical treatment: Covered ↩

Sudden and unexpected illness or accident occurring during the trip that could cause serious harm if not treated before returning home is covered under the medical expenses guarantee, drawing on the same overall medical-expenses limit.

[41] Hospitalization: Covered ↩

Hospital and surgical expenses are paid directly by the Company to the healthcare facility, within the overall medical-expenses limit; no separate hospitalization sub-limit is stated in the documents reviewed.

[42] Outpatient treatment: Covered ↩

Medical expenses not involving hospitalization (e.g. outpatient care) are reimbursed to the policyholder within the overall medical-expenses limit.

[43] Medical evacuation: Covered ↩

Safe medical repatriation is organized in case of severe illness or injury during the trip, with coordination between local and Italian doctors; operative also during a diagnosed epidemic or pandemic such as COVID-19.

[44] Repatriation of remains: Not established from the reviewed documents ↩

Not found in the documents reviewed for this product.

[45] Pre existing conditions: Not established from the reviewed documents ↩

Not found in the verified travel_medical documents for this product; the treatment of pre-existing conditions is not stated in the Travel Care Premium IPID or the product page reviewed.

[46] Winter sports cover: Not established from the reviewed documents ↩

Not found in the documents reviewed for this product.

[47] Adventure sports cover: Not established from the reviewed documents ↩

Not found in the documents reviewed for this product.

[48] Pregnancy complications: Not established from the reviewed documents ↩

Not found in the documents reviewed for this product.

[49] Medical expenses: €500,000 ↩

Medical expenses covered up to €500,000, applicable for trips with a duration of up to 40 days; included in both the Base and Top packages.

Spese mediche fino a 500.000€ per viaggi fino a 40 giorni.

[50] Medical transport: Covered ↩

Travel assistance includes medical repatriation ('rientro sanitario'), advance of emergency expenses, and family support, included in the Base package; no specific monetary limit stated in the sources.

Assistenza in viaggio (rientro sanitario, anticipo spese emergenza, supporto familiari).

[51] COVID-19 treatment: See details ↩

Not found in the available sources as a distinct benefit.

[52] Personal liability: €250,000 ↩

Traveler civil liability coverage up to €250,000 for damages caused to third parties; included only in the Top package (not in Base).

Responsabilità civile fino a 250.000€ .

[53] Emergency dental: See details ↩

Not found in the available sources as a distinct benefit.

[54] Search & rescue: See details ↩

Not found in the available sources as a distinct benefit.

[55] Legal assistance: See details ↩

Not found in the available sources for this product.

[56] Emergency medical treatment: See details ↩

Not found in the available sources as a distinct benefit.

[57] Hospitalization: See details ↩

Not found in the available sources as a distinct benefit.

[58] Outpatient treatment: See details ↩

Not found in the available sources as a distinct benefit.

[59] Medical evacuation: See details ↩

Not found in the available sources as a distinct benefit.

[60] Repatriation of remains: See details ↩

Not found in the available sources as a distinct benefit.

[61] Pre existing conditions: See details ↩

Not found in the available sources.

[62] Winter sports cover: See details ↩

Not found in the available sources.

[63] Adventure sports cover: See details ↩

Not found in the available sources.

[64] Pregnancy complications: See details ↩

Not found in the available sources.

[65] Medical expenses: €1,000,000 – €8,000,000 ↩

Covers necessary and non-postponable treatment abroad due to acute illness or accident, including ambulance, hospitalization and surgery, outpatient treatment and prescribed medicines. Limit is €1,000,000 in Classic, €5,000,000 in Plus (also Annual Multi-trip Plus, annual cap) and €8,000,000 in Elite (also Annual Multi-trip Elite, annual cap). An €80 deductible per person and event applies unless the optional Deductible Waiver is purchased.

Massimale Estero: € 5.000.000,00 € 8.000.000,00

[66] Medical transport: Unlimited ↩

Unlimited cover for transfer of the insured between healthcare facilities (potentially in another country), organized by the 24/7 operations center Robin Assist using the most suitable means of transport; no deductible applies.

a. Massimale per Trasferimento Ospedaliero: Illimitato.

[67] COVID-19 treatment: Covered ↩

Pandemics/quarantine are generally excluded, but COVID-19 infection contracted by the insured or a close relative remains explicitly covered under the Assistance, Medical Expenses, Trip Cancellation and Trip Interruption guarantees, within their respective limits.

Si precisa che la copertura assicurativa è operante in caso di infezione da COVID-19 contratta dall'assicurato o parente prossimo dell'Assicurato per le garanzie di Assistenza, Spese Mediche, Interruzione Viaggio ed Annullamento viaggio.

[68] Personal liability: €250,000 ↩

Covers amounts the insured is personally liable to pay for bodily injury, death or property damage caused to third parties during the trip, up to €250,000, the same limit across all tiers including Classic; limited to 80% of the limit for claims in the USA/Canada, with punitive damages excluded. €500 deductible applies unless the Deductible Waiver is purchased.

Lei è assicurato se ha provocato lesioni personali, morte e danni a persone o proprietà. Massimale: fino ad € 250.000.

[69] Emergency dental: €400 ↩

Sub-limit of €400 for urgent dental treatment intended to provide immediate pain relief, applicable across all tiers (annual cap for Annual Multi-trip policies), subject to the general €80 deductible.

Massimale per cure dentistiche urgenti: € 400.

[70] Search & rescue: €5,000 ↩

Covers the costs of search, rescue or recovery operations for the insured following an accident, up to €5,000, the same limit across all tiers; no deductible applies.

g. Massimale per Ricerca, Salvataggio e Recupero: fino ad € 5.000.

[71] Legal assistance: €10,000 ↩

Reimburses legal costs incurred by the insured to pursue compensation for accident or death of the insured, up to €10,000; available only in the Elite tier (Individual/Family Elite and Annual Multi-trip Elite), not included in Classic or Plus. €500 deductible applies unless the Deductible Waiver is purchased.

Lei è assicurato per costi e spese legali in procedimenti intentati per risarcimento a seguito di Infortuni o Morte dell'Assicurato. Massimale: fino ad € 10.000.

[72] Emergency medical treatment: €1,000,000 – €8,000,000 ↩

Emergency ambulance, ER and outpatient treatment abroad for acute illness or accident is covered within the same Spese Mediche guarantee limits (€1,000,000 Classic to €8,000,000 Elite), subject to prior authorization by the operations center for costs above €300 and an €80 deductible.

Massimale Estero: € 5.000.000,00 € 8.000.000,00

[73] Hospitalization: €1,000,000 – €8,000,000 ↩

Covers hospital admission including surgery under the Medical Expenses guarantee; the operations center may also guarantee direct payment of hospital costs to the facility, up to the same tiered limit (€1,000,000 Classic to €8,000,000 Elite, annual cap for Annual Multi-trip). €80 deductible applies to the hospital-payment guarantee.

GARANZIA PER IL PAGAMENTO DELLE SPESE OSPEDALIERE Plus € 5.000.000,00, Elite € 8.000.000,00.

[74] Outpatient treatment: Covered ↩

Outpatient medical visits, diagnostic tests and laboratory exams pertinent to the reported illness or accident are covered within the overall Medical Expenses limit; no separate sub-limit is stated.

c. trattamenti ambulatoriali (visite mediche ambulatoriali, accertamenti diagnostici ed esami di laboratorio), purché pertinenti alla malattia od infortunio denunciati;

[75] Medical evacuation: Unlimited ↩

Unlimited cover for medically supervised repatriation to the insured's place of residence or nearest suitable facility, organized by Robin Assist, including repatriation with a medical attendant if required; no deductible applies.

b. Massimale per Rientro Sanitario: Illimitato.

[76] Repatriation of remains: Unlimited ↩

Unlimited cover for repatriation of the insured's remains to Italy in case of death abroad, organized according to international rules; burial abroad in the country of death is offered as an alternative, capped at €2,600. No deductible applies.

f. - Rimpatrio della salma: Illimitato. - Sepoltura all'estero: € 2.600.

[77] Pre existing conditions: Excluded ↩

Pre-existing conditions - illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations known to the insured before the policy start - are excluded from all guarantees.

Malattie preesistenti e malattie croniche; malattie terminali diagnosticate prima della stipula; patologie in fase acuta prima della partenza e viaggi intrapresi contro il parere medico;

[78] Winter sports cover: Excluded ↩

Winter sports and dangerous mountain activities (e.g. mountaineering with rock climbing, glacier access, ski-jumping, sledding/bobsledding) are excluded from all coverage.

Sport invernali e attività sportive pericolose, malattie e infortuni derivanti da atti di temerarietà, malattie e infortuni conseguenza di attività sportive professionali, dilettantistiche, agonistiche o di partecipazione a gare (e relativi allenamenti).

[79] Adventure sports cover: Excluded ↩

A wide list of dangerous and adventure activities (canyoning, advanced kayaking/rafting, bungee jumping, paragliding, boxing/wrestling, motor racing, unsafe diving, etc.) as well as professional or competitive sporting activity, are excluded from all guarantees.

sport invernali e attività sportive pericolose: alpinismo con scalate di rocce, accesso ai ghiacciai; trekking (al di sopra dei 4000 metri); arrampicata indoor e outdoor; salti dal trampolino con sci; guida e uso di guidoslitte/bob, moto d'acqua/jetski e quad;

[80] Pregnancy complications: Conditional ↩

Illnesses related to pregnancy beyond the 26th week of gestation and during puerperium are excluded, as are childbirth (including premature), voluntary termination and miscarriage due to negligence; complications up to the 26th week may be covered under the general Medical Expenses guarantee.

Malattie legate alla gravidanza oltre la 26° settimana di gestazione e al puerperio, minaccia d'aborto per incuria o dolo da parte dell'assicurato, interruzione volontaria della gravidanza, parto (anche se prematuro);

[81] Medical expenses: Not established from the insurer's documents ↩

Direct payment (or reimbursement if the Centrale Operativa was not contacted) of urgent medical, hospital and surgical expenses: € 100,000 under Protezione Base, € 500,000 under Protezione Media, and actual costs with no fixed ceiling under Schermo Totale.

SPESE MEDICHE IN VIAGGIO € 100.000 € 500.000 SI, costi reali € 2.000.000

[82] Medical transport: Not established from the insurer's documents ↩

Reimbursement of transport costs from the place of the event to the nearest first-aid/emergency centre: € 2,500 (Base), € 5,000 (Media and Schermo Totale).

Rimborso spese di trasporto al centro medico di prontosoccorso € 2.500 € 5.000 € 5.000 € 5.000

[83] COVID-19 treatment: Covered ↩

COVID-19 medical expenses are covered within the limits shown on the insurance certificate, i.e. the same limits as general medical expenses for the chosen plan (from €100,000 up to actual costs). Medical repatriation for coronavirus-related reasons is included, and cover remains valid for vaccinated insureds.

I nostri attestati di assicurazione comportano la seguente menzione: le spese mediche legate al COVID-19 sono coperte nei limiti indicati in questa attestazione.

[84] Personal liability: Not established from the insurer's documents ↩

Only included with Schermo Totale: € 150,000 for personal injury/death and € 50,000 for damage to property/animals, with a € 150 deductible per claim for property/animal damage; not available with Protezione Base or Protezione Media.

Per danni a persone € 150.000 € 100.000

[85] Emergency dental: Not established from the insurer's documents ↩

Reimbursement of urgent dental expenses, but only if the need arises from an accident occurred during the trip: € 100 (Base), € 200 (Media), € 500 (Schermo Totale).

Rimborso delle spese odontoiatriche (solo a seguito di infortunio) € 100 € 200 € 500 € 500

[86] Search & rescue: Not established from the insurer's documents ↩

The policy explicitly excludes search costs for the insured in the sea, lake, mountains or desert.

spese di ricerca dell'Assicurato in mare, lago, montagna o deserto.

[87] Legal assistance: Not established from the insurer's documents ↩

The Centrale Operativa helps locate a local lawyer for the insured, with related costs covered up to € 750 (Base), € 1,000 (Media) or € 1,500 (Schermo Totale); this is a lawyer-sourcing service, not a legal-defence-costs guarantee.

Reperimento di un legale € 750 € 1.000 € 1.500 € 1.500

[88] Emergency medical treatment: Not established from the insurer's documents ↩

Same benefit as Spese Mediche in Viaggio: urgent, non-deferrable medical/surgical treatment received during the trip, capped at € 100,000 (Base), € 500,000 (Media) or paid at actual cost with no ceiling (Schermo Totale).

Qualora l'Assicurato debba sostenere spese mediche/ospedaliere per cure o interventi chirurgici urgenti e non procrastinabili, ricevuti sul posto nelcorso del viaggio, durante il periodo di validità della garanzia, la Società terrà a proprio carico i costi con pagamento diretto da parte della CentraleOperativa.

[89] Hospitalization: Not established from the insurer's documents ↩

Hospital stay costs are covered within the same Spese Mediche limits (€ 100,000/€ 500,000/actual costs); direct payment is operative for a maximum of 50 days of hospitalization in Italy/Europe and 100 days in the rest of the world.

La garanzia sarà operante per un periodo non superiore a 50 giorni complessivi di degenza in Italia/Europa e 100 giorni negli altri paesi del mondo.

[90] Outpatient treatment: Not established from the insurer's documents ↩

Reimbursement of medical visits and/or pharmaceutical expenses following prescription, diagnostic tests or outpatient care in viaggio: € 500 (Base), € 1,000 (Media), € 1,500 (Schermo Totale).

Rimborso spese per visite mediche, e/o farmaceutiche € 500 € 1.000 € 1.500 € 1.500

[91] Medical evacuation: Not established from the insurer's documents ↩

If the Centrale Operativa's medical service recommends it, sanitary transfer to a more suitable facility or repatriation to Italy is organised, with all costs, including any air ambulance, medically-equipped scheduled flight, first-class train or ambulance, borne by the Company with no stated ceiling.

Il trasporto sanitario sarà effettuato, con tutte le spese a carico della Società, utilizzando i mezzi ritenuti più idonei ad insindacabile giudizio della CentraleOperativa.

[92] Repatriation of remains: Not established from the insurer's documents ↩

In case of death of the insured during the trip, the Company organises and pays for transport of the remains to the place of burial in Italy plus funeral-related costs, up to € 5,000, the same limit across all three tiers.

Rientro salma e spese funerarie € 5.000 € 5.000 € 5.000 € 5.000

[93] Pre existing conditions: Not established from the insurer's documents ↩

Medical expense cover is not due for illnesses that are the expression or direct consequence of chronic or pre-existing pathological conditions at the start of the trip.

malattie che siano l'espressione o la conseguenza diretta di situazioni patologiche croniche o preesistenti all'inizio del viaggio;

[94] Winter sports cover: Not established from the insurer's documents ↩

Under the Infortuni di Viaggio/Volo (accident) sections, winter sports accidents are excluded unless the relevant supplement has been paid; the medical-expense exclusions do not separately exclude winter sports.

sports invernali (salvo che non sia stato pagato il relativo supplemento), sci fuori pista in assenza di una guida abilitata ufficiale

[95] Adventure sports cover: Not established from the insurer's documents ↩

Medical expenses arising from air sports and extreme sports practiced outside organised sporting bodies and without prescribed safety criteria are excluded; the accident sections list a long roster of specific extreme sports (e.g. free climbing, base jumping, canyoning) that are excluded outright.

pratica di sport aerei e dell'aria in genere, sport estremi se praticati al di fuori di organizzazioni sportive e senza i criteri di sicurezza previsti;

[96] Pregnancy complications: Not established from the insurer's documents ↩

Covered up to the 26th week of gestation; natural or caesarean childbirth, pathological states arising after the 26th week/puerperium, and voluntary termination of pregnancy are excluded.

stati patologici dipendenti dalla gravidanza oltre la 26ma settimana di gestazione e dal puerperio;

[97] Medical expenses: Not established from the insurer's documents ↩

Combined direct-payment and reimbursement cover for medical, hospital and surgical expenses following illness or injury during the trip, up to €500,000 per insured, claim and insurance period. A €70 deductible applies to reimbursement claims not handled via direct payment through the Centrale Operativa.

Spese mediche in Viaggio: Pagamento diretto delle Spese mediche, ospedaliere e chirurgiche fino ad un massimale di € 500.000.

[98] Medical transport: Not established from the insurer's documents ↩

Reimbursement of transport costs from the place of the event to the nearest first-aid or emergency care center, up to €5,000.

Rimborso spese di trasporto al centro medico di pronto soccorso fino ad un massimale di € 5.000.

[99] COVID-19 treatment: Covered ↩

Pandemic-related illness, including COVID-19, is covered under the medical expenses guarantee like any other illness; the insurer's FAQ confirms pandemic-related medical expenses are included.

Le spese mediche includono la pandemia? Si, la pandemia è compresa.

[100] Personal liability: Excluded ↩

Third-party liability cover is not included in Protezione Media (marked NO in the guarantees table); it is only available in the Schermo Totale (€150,000) and Annuale (€100,000) tiers.

[101] Emergency dental: Not established from the insurer's documents ↩

Reimbursement of urgent dental care up to €200, only when the need arises from an accident (infortunio) that occurred during the trip; dental care following illness is not covered.

Rimborso Spese odontoiatriche (solo a seguito di infortunio) fino ad un massimale di € 200.

[102] Search & rescue: Excluded ↩

Search expenses for the insured at sea, lake, mountain or desert are explicitly excluded from all sections of the policy.

[103] Legal assistance: €1,000 ↩

The Centrale Operativa arranges access to a lawyer abroad, with related costs covered up to €1,000.

[104] Emergency medical treatment: Not established from the insurer's documents ↩

Direct payment of urgent and non-postponable medical, hospital and surgical treatment received on the spot during the trip, subject to prior contact with and authorization from the Centrale Operativa, within the €500,000 overall medical expenses limit.

Spese mediche in Viaggio: Pagamento diretto delle Spese mediche, ospedaliere e chirurgiche fino ad un massimale di € 500.000.

[105] Hospitalization: Not established from the insurer's documents ↩

Hospitalization costs are covered under the €500,000 direct-payment medical expenses guarantee, operative until discharge or medical fitness for repatriation, for a maximum of 50 consecutive days of hospitalization in Italy/Europe and 100 days in the rest of the world.

La garanzia sarà operante per un periodo non superiore a 50 giorni complessivi di degenza in Italia/Europa e 100 giorni negli altri paesi del mondo.

[106] Outpatient treatment: €1,000 ↩

Reimbursement sublimit, within the reimbursement route (when the Centrale Operativa has not arranged direct payment), for outpatient visits, diagnostic tests and medicines following illness or injury in travel, subject to a €70 deductible per claim.

[107] Medical evacuation: Covered ↩

When medically advised, the Company organizes and bears all costs of sanitary transfer to a more suitable medical facility or repatriation to Italy, using an air ambulance (return to Italy only), scheduled flight, first-class train/sleeper, or unlimited-mileage ambulance, with medical/paramedical escort as needed; no separate monetary cap is stated for this benefit.

[108] Repatriation of remains: Not established from the insurer's documents ↩

In the event of death of the insured during the trip, transport of the body to the place of burial in Italy, including funeral/burial/cremation expenses, up to €5,000; also includes a return ticket for one family member and one night's hotel stay if the insured was travelling alone.

Rientro salma e spese funerarie € 5.000 € 5.000 € 5.000 € 5.000

[109] Pre existing conditions: Excluded ↩

Illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations at the start of the trip are excluded from the medical expenses guarantee.

[110] Winter sports cover: Not established from the insurer's documents ↩

Winter sports accident cover is not included in Protezione Media, because the Infortuni di Viaggio and Infortuni di Volo sections — where winter-sports supplements apply — are not part of this tier; they are only available in Schermo Totale and Annuale.

INFORTUNI NO NO € 100.000 € 50.000

[111] Adventure sports cover: Conditional ↩

Medical expenses arising from sports practice are covered only if the activity is practised within a sports organization and in compliance with prescribed safety criteria; air/aerial sports, extreme sports practised outside organized sporting bodies, and any sport exercised professionally or for remuneration are excluded.

[112] Pregnancy complications: Conditional ↩

Pregnancy-related complications occurring before the 26th week of gestation are treated as ordinary illness under the medical expenses guarantee; pathological conditions dependent on pregnancy beyond the 26th week, the puerperium, and natural or caesarean delivery are excluded.

[113] Medical expenses: €2,000 – €3,500,000 ↩

Reimbursement of medical expenses for treatment arising from illness or accident during travel, urgent and non-deferrable until return; limits vary by destination: €3,500,000 worldwide including USA/Canada, €2,000,000 worldwide excluding USA/Canada, €1,000,000 in Europe, €3,000 (Top)/€2,000 (Smart) in Italy, per person and per insured period, net of a €50 deductible per claim.

Mondo compreso Usa – Canada: € 3.500.000 € 3.500.000 Mondo escluso Usa – Canada: € 2.000.000 € 2.000.000 Europa: € 1.000.000 € 1.000.000 Italia: € 3.000 € 2.000

[114] Medical transport: Covered ↩

Organization and payment of medical transport of the insured from the place where first emergency care was given to a better-equipped local medical facility; entirely organized and paid for by the Company, with no monetary cap stated; use of an air ambulance limited to local transfers.

Organizzazione e presa in carico del Trasporto sanitario qualora il servizio medico della Struttura Organizzativa consigli il trasporto sanitario dell’Assicurato dal centro medico ove sono state prestate le prime cure di emergenza ad un centro medico meglio attrezzato in loco.

[115] COVID-19 treatment: Covered ↩

General epidemics/pandemics are excluded, but Covid-19 (as declared by the WHO) is expressly included in cover, subject to the general area-based medical expense limits.

epidemie o pandemie, tranne il Covid-19, in base a quanto dichiarato dall’Organizzazione Mondiale della Sanità. Si intende quindi incluso in copertura il Covid-19.

[116] Personal liability: See details ↩

No personal/third-party liability benefit for the insured traveler is described in the available documents.

[117] Emergency dental: €300 – €500 ↩

Reimbursement of urgent dental care needed during travel that cannot be postponed until return; sub-limit of €500 (Top)/€300 (Smart) per person and per insured period.

È previsto un Massimale per persona e per Periodo assicurativo, variabile in base alla formula prescelta: Formula Top Formula Smart Massimale € 500 € 300

[118] Search & rescue: €1,500 ↩

Search costs for missing/disappeared persons are generally excluded, except when such costs are borne by public entities/authorities, in which case they are reimbursed up to a maximum of €1,500.

le spese per la ricerca di persone scomparse/disperse, tranne nel caso dette spese siano sostenute da Enti od Autorità pubbliche e comunque entro il limite massimo di € 1.500;

[119] Legal assistance: €1,500 – €5,000 ↩

Legal protection provided in collaboration with ARAG SE, covering a single lawyer's fees per level of judgment, court/mediation costs and any liability for costs; benefits paid up to €1,500 per claim/insured period in Europe and Mediterranean-basin non-EU states, up to €5,000 in USA/Canada, and up to €4,000 in the rest of the world.

1. in Europa e negli stati extraeuropei posti nel bacino del mare Mediterraneo fino al Massimale per Sinistro e per Periodo assicurativo di € 1.500; 2. in USA e Canada fino al Massimale per Sinistro e per Periodo assicurativo di € 5.000; 3. nel resto del Mondo fino al Massimale per Sinistro e per Periodo assicurativo di € 4.000.

[120] Emergency medical treatment: €2,000 – €3,500,000 ↩

Emergency treatment costs (medical/surgical) arising abroad are covered directly by the Struttura Organizzativa under the same area-based limits as the general medical expenses guarantee (up to €3,500,000 worldwide including USA/Canada).

Mondo compreso Usa – Canada: € 3.500.000 € 3.500.000 Mondo escluso Usa – Canada: € 2.000.000 € 2.000.000 Europa: € 1.000.000 € 1.000.000 Italia: € 3.000 € 2.000

[121] Hospitalization: €2,000 – €3,500,000 ↩

Hospital and surgical expenses are paid directly by the Company via the Struttura Organizzativa within the same area-based medical expense limits; the guarantee operates for no more than 100 cumulative days of hospital stay, net of a €50 deductible per claim.

Mondo compreso Usa – Canada: € 3.500.000 € 3.500.000 Mondo escluso Usa – Canada: € 2.000.000 € 2.000.000 Europa: € 1.000.000 € 1.000.000 Italia: € 3.000 € 2.000

[122] Outpatient treatment: €2,000 – €3,000 ↩

Reimbursement of medical visits, outpatient/first-aid care, day hospital and prescribed pharmaceutical products incurred during travel; sub-limit per person and per insured period of €3,000 (Top)/€2,000 (Smart), net of a €50 deductible per claim.

È previsto un Massimale per persona e per Periodo assicurativo, variabile in base alla formula prescelta: Formula Top Formula Smart Massimale € 3.000 € 2.000

[123] Medical evacuation: Covered ↩

Organization and payment of the insured's medical repatriation to a place of residence or a suitably equipped hospital in Italy when treatment cannot be provided on-site, including necessary medical/nursing assistance during transport; transport from non-European countries (except Mediterranean-basin countries and the Canary Islands) is via scheduled economy-class flight, possibly on a stretcher; no monetary cap stated, fully organized at the Company's expense.

Il trasporto dai Paesi extra Europei, eccettuati quelli del Bacino del Mediterraneo e delle Isole Canarie, si effettua esclusivamente su aereo di linea su classe economica, eventualmente barellato.

[124] Repatriation of remains: Covered ↩

Organization and payment of transport of the insured's remains from the place of death to the place of residence; funeral expenses and any recovery/search of the body are excluded; no monetary cap stated.

Organizzazione e presa in carico del trasporto della salma dell’Assicurato dal luogo del decesso fino al luogo di Residenza. Sono escluse le spese funerarie e l’eventuale recupero e ricerca della salma.

[125] Pre existing conditions: Excluded ↩

Chronic/recurrent pathological conditions diagnosed before the policy's subscription date ('malattia preesistente') are excluded from all guarantees.

Malattia preesistente Situazione patologica cronica/recidivante, diagnosticata antecedentemente la data di sottoscrizione della Polizza.

[126] Winter sports cover: See details ↩

No dedicated winter-sports benefit (e.g., ski equipment, piste closure) is defined; recreational skiing is implicitly covered under the general Accident guarantee, while acrobatic/freestyle skiing, ski-mountaineering and extreme skiing are explicitly excluded from that guarantee.

salti dal trampolino con sci o idroscì, sci acrobatico in genere (free style), guidoslitta, skeleton, bob, ... sci alpinismo, sci estremo

[127] Adventure sports cover: Excluded ↩

Injuries arising from high-risk activities such as mountaineering with rock/glacier climbing, free climbing, extreme/acrobatic skiing, ski-mountaineering, bobsled, skeleton, non-freediving diving, boxing, wrestling and martial arts, hang-gliding and paragliding are excluded from the Accident guarantee.

infortuni derivanti dallo svolgimento delle seguenti attività: alpinismo con scalata di rocce o accesso a ghiacciai, arrampicata libera (free climbing), sport aerei in genere; guida ed uso di deltaplani ed altri tipi di veicoli aerei ultraleggeri, paracadutismo, escursioni in mongolfiera, parapendii ed assimilabili

[128] Pregnancy complications: Conditional ↩

Pregnancy-related illnesses arising after the 26th week of gestation, as well as puerperium-related conditions, therapeutic abortion and childbirth, are excluded; complications occurring prior to the 26th week may fall under the general medical expenses guarantee.

malattie correlate alla gravidanza oltre la ventiseiesima settimana di gestazione e correlate al puerperio, aborto terapeutico, parto;

[129] Medical expenses: Covered ↩

Reimburses emergency medical expenses (treatment, hospitalization, pharmaceuticals, professional fees, ambulance, dental, physiotherapy) incurred during the trip for unforeseeable accident or illness manifesting after purchase; the sum insured is as stated in the policy schedule and is reduced to €200,000 for insureds over 70 travelling outside Italy, and to €1,000 for post-return medical expenses (within 60 days after return, accident only). A €100 deductible applies.

La garanzia RIMBORSO SPESE MEDICHE DI EMERGENZA opera con il limite, per singolo Assicurato nel periodo assicurativo, pari alla Somma Assicurata indicata nella Scheda di Polizza.

[130] Medical transport: €5,000 ↩

Transport of the insured from the first-aid centre to a better-equipped medical centre locally is covered up to €5,000, under the Assistance guarantee, and only applies if the medical repatriation benefit is not activated.

punto 4 dell’Art. 2.1: fino a 5.000 euro

[131] COVID-19 treatment: Covered ↩

The general exclusion for epidemics/pandemics declared by the WHO explicitly does not apply to COVID-19, meaning COVID-19-related illness is treated as ordinary illness and covered under the medical expenses guarantee sum insured.

epidemie o pandemia (dichiarata da OMS), salvo il caso di covid;

[132] Personal liability: Conditional ↩

Covers involuntary damage caused to third parties (death, injury, property/animal damage) during the trip, with sum insured as per policy schedule, a 10% deductible (minimum €100), and an aggregate cap of €500,000 across all insureds under the same policy per event. Included only in the Parti Benissimo package; not included and not addable within the Parti Bene package.

Se l’Assicurato causa involontariamente dei danni a terzi (per morte, lesioni personali o danneggiamenti a cose ed animali) durante il Viaggio, Bene terrà indenne l’Assicurato di quanto debba versare a titolo di risarcimento

[133] Emergency dental: €300 – €700 ↩

Emergency dental expenses are sub-limited depending on destination: €300 for Italy, €400 for Europe, €700 for World (with or without USA/Canada).

per le spese odontoiatriche nei casi previsti dall’Art. 1.1: a 300 euro (destinazione Italia); 400 euro (destinazione Europa); 700 euro (destinazione Mondo compreso o escluso Usa e Canada)

[134] Search & rescue: See details ↩

No dedicated search-and-rescue guarantee is described in the policy documentation.

[135] Legal assistance: Conditional ↩

Covers legal costs (out-of-court and in-court assistance, lawyers, experts, mediation fees, enforcement) to protect the insured's rights following extra-contractual damage suffered during the trip, managed by DAS. Sum insured as per policy schedule; only operates if the litigation value is at least €100; non-resident lawyer fees capped at €3,000. Optional add-on to Parti Bene; included as standard in Parti Benissimo.

Se l’Assicurato ha necessità di tutelare un suo diritto in relazione al Viaggio, Bene mette a disposizione la Tutela Legale necessaria (in sede stragiudiziale e giudiziale)

[136] Emergency medical treatment: Covered ↩

Emergency treatment costs (including hospital and surgical care, medical and outpatient visits) are covered under Capitolo 1 - Rimborso Spese Mediche di Emergenza, on the same sum insured as medical expenses.

Bene rimborsa: le spese mediche di emergenza (cure, spese di ricovero ospedaliero, spese farmaceutiche, parcelle professionali, spese di ambulanza, spese odontoiatriche, fisioterapiche) sostenute durante il Viaggio.

[137] Hospitalization: Covered ↩

Hospital admission costs are included within the medical expenses guarantee sum insured; the cost of a single room is not covered unless medically required.

le spese mediche di emergenza (cure, spese di ricovero ospedaliero, spese farmaceutiche, parcelle professionali, spese di ambulanza, spese odontoiatriche, fisioterapiche) sostenute durante il Viaggio.

[138] Outpatient treatment: Covered ↩

Outpatient/ambulatory medical visits abroad are covered within the medical expenses sum insured; direct payment by the Operations Centre includes ambulatory visits.

[139] Medical evacuation: Unlimited ↩

Repatriation of the insured to their home or an equipped hospital in Italy, when they cannot be treated locally or are convalescent, is provided under the Assistance guarantee which operates without a cost limit for this benefit (no sub-limit is listed for this specific service).

La garanzia ASSISTENZA opera senza limite di costo, per singolo Assicurato nel periodo assicurativo, salvo che per le seguenti prestazioni:

[140] Repatriation of remains: €5,000 ↩

Repatriation of the insured's remains to their habitual residence in Italy is covered; ancillary costs (initial preservation of the body, administrative repatriation costs, first coffin required for transport) are sub-limited to €5,000.

punto 12 dell’Art. 2.1, per le spese di prima conservazione della salma, spese amministrative per il rimpatrio, spese per la prima bara necessaria al trasporto: fino a 5.000 euro

[141] Pre existing conditions: Excluded ↩

Any chronic or pre-existing medical condition (illness or accident) that manifested and/or was contracted before the policy issue date is always excluded from all guarantees.

qualsiasi condizione medica (relativa a malattia o infortunio) cronica o preesistente che si sia manifestata e/o sia stata contratta prima della data di emissione della Polizza;

[142] Winter sports cover: Conditional ↩

No dedicated winter-sports rider exists; recreational skiing/snowboarding is not explicitly excluded and would fall under general medical/assistance cover, but unauthorized off-piste skiing, bobsleigh and similarly extreme practices are excluded, and ski-pass replacement is only covered under the (out-of-scope) Baggage guarantee.

[143] Adventure sports cover: Excluded ↩

Extreme/adventure activities are excluded across all guarantees, including alpinism above grade III, free climbing, motor racing, ski/hydro-ski jumping, extreme/acrobatic skiing, river canoeing beyond grade III, hydrospeed, bungee jumping, parachuting, hang-gliding, scuba diving beyond 30m or without qualified supervision, unauthorized off-piste skiing, bobsleigh, rafting and kite-surfing.

alpinismo con scalate superiori al terzo grado, arrampicata libera (free climbing); gare automobilistiche, motociclistiche, motonautiche... salti dal trampolino con sci o idroscì, sci acrobatico ed estremo, canoa fluviale oltre il terzo grado, hydrospeed, salti nel vuoto (bungee jumping), paracadutismo, deltaplano... immersioni con autorespiratore oltre 30 metri... sci fuori pista non autorizzato... bob, discesa di rapide di corsi d’acqua (rafting), kite-surfing

[144] Pregnancy complications: Conditional ↩

Pregnancy pathologies are covered as ordinary illness only up to the 24th week; pregnancy pathologies beyond the 24th week, voluntary termination of pregnancy, assisted fertilization and related complications are excluded.

patologie della gravidanza oltre le 24 settimane, interruzione volontaria della gravidanza, fecondazione assistita e loro complicazioni;

[145] Medical expenses: €150,000 – €1,000,000 ↩

Overall guarantee for medical expenses incurred abroad due to accident or sudden illness (hospitalisation, surgery, doctors' fees, out-patient care, urgent dental care), with a per-insured limit varying by destination zone: €150,000 in Zone 1, €300,000 in Zone 2, up to €1,000,000 in Zone 3; not applicable for stays within Italy.

Ricoveri ospedalieri, interventi chirurgici e relativi onorari medici, urgenti e non procrastinabili - € 150.000 per Assicurato (#) (Max Degenza 100giorni) € 300.000 per Assicurato (#) (Max Degenza 100 giorni) € 1.000.000 per Assicurato (#) (Max Degenza 100 giorni)

[146] Medical transport: Covered ↩

Transport from the place of the event to the nearest first-aid/hospital centre, and transfer to a more suitable medical facility, are included within the overall medical expenses limit with no separate sub-limit.

per il trasporto dal luogo dell'evento al centro medico di pronto soccorso o di primo Ricovero; per il trasferimento sanitario presso una struttura medica adeguata più vicina.

[147] COVID-19 treatment: Excluded ↩

The policy explicitly excludes any claim of any kind directly or indirectly arising from, related to, or connected with COVID-19 (including any mutation) or its spread.

[148] Personal liability: €50,000 – €100,000 ↩

Optional cover for sums the insured is legally liable to pay for accidental death, injury or property damage caused involuntarily to third parties in the course of private life during the trip: €50,000 per insured for events in Italy, €100,000 for Zone 1/2/3, subject to a €100 deductible.

Responsabilità civile in viaggio € 50.000 per Assicurato € 100.000 per Assicurato € 100.000 per Assicurato € 100.000 per Assicurato

[149] Emergency dental: €250 ↩

Urgent, non-deferrable dental treatment following an accident is covered up to €250 per insured, the same limit applying in all zones.

Spese per cure odontoiatriche urgenti - € 250 per Assicurato € 250 per Assicurato € 250 per Assicurato

[150] Search & rescue: Not established from the reviewed documents ↩

Search costs for the insured in sea, lake, mountain or desert are explicitly listed among the excluded expenses in Chubb's Italian travel insurance policy documentation, rather than covered as a distinct search-and-rescue benefit with a stated limit.

[151] Legal assistance: 25% of insured sum ↩

Legal defence costs incurred to resist third-party claims under the optional Personal Liability cover are borne by Chubb up to one quarter of the liability limit applicable to the claim, pursuant to Art. 1917 of the Italian Civil Code.

[152] Emergency medical treatment: €150,000 – €1,000,000 ↩

Covers urgent and non-deferrable medical and surgical treatment abroad following accident or sudden illness, including doctors' fees, paid directly by Chubb Assistance up to the applicable zone limit.

Ricoveri ospedalieri, interventi chirurgici e relativi onorari medici, urgenti e non procrastinabili - € 150.000 per Assicurato (#) (Max Degenza 100giorni) € 300.000 per Assicurato (#) (Max Degenza 100 giorni) € 1.000.000 per Assicurato (#) (Max Degenza 100 giorni)

[153] Hospitalization: €150,000 – €1,000,000 ↩

Hospital admission, surgical interventions and related doctors' fees are covered up to the zone limit (€150,000 Zone 1 / €300,000 Zone 2 / €1,000,000 Zone 3 per insured), for a maximum of 100 days of hospitalisation.

Ricoveri ospedalieri, interventi chirurgici e relativi onorari medici, urgenti e non procrastinabili - € 150.000 per Assicurato (#) (Max Degenza 100giorni) € 300.000 per Assicurato (#) (Max Degenza 100 giorni) € 1.000.000 per Assicurato (#) (Max Degenza 100 giorni)

[154] Outpatient treatment: €2,000 – €10,000 ↩

Covers medical and/or pharmaceutical visits, out-patient care and first-aid treatment: €2,000 per insured in Zone 1, €10,000 in Zone 2 and Zone 3.

[155] Medical evacuation: Covered ↩

Repatriation to Italy for health reasons, organised by Chubb Assistance's medical team, is included within the overall medical expenses limit with no separate sub-limit.

per il rimpatrio sanitario, qualora la centrale medica di Chubb Assistance ritenga preferibile il trasporto sanitario dell'Assicurato in Italia, previa analisi del quadro clinico e d'intesa con il medico curante sul posto.

[156] Repatriation of remains: €5,000 – €10,000 ↩

Transport of the deceased insured's remains to the place of burial in Italy: €5,000 per insured if death occurs within Italy, €10,000 for Zone 1, 2 or 3 destinations.

[157] Pre existing conditions: Excluded ↩

Medical conditions that are pre-existing and known to the insured at the time the policy was purchased are excluded from cover.

Qualsiasi condizione medica, relativa a malattia o infortunio, preesistente.

[158] Winter sports cover: Excluded ↩

Trips undertaken for the purpose of practising winter sports, and the practice of winter sports itself, are excluded from cover.

effettuati allo scopo di praticare qualsiasi Sport Invernale;

[159] Adventure sports cover: Conditional ↩

Cover extends to a defined list of recreational and sports activities (e.g. diving to 18m with a qualified instructor, motorcycling up to 125cc with helmet and valid licence, dry-slope and water skiing) provided they are not practised against medical advice, are not the main purpose of the trip, use the required technical equipment, and are not carried out professionally or in competitions.

[160] Pregnancy complications: Conditional ↩

Covered as a sudden illness only if certified by a doctor or an obstetric specialist; for travel between the 28th and 35th week of pregnancy a medical fitness-to-travel certificate obtained no earlier than 5 days before departure is required. Included within the overall medical expenses limit with no separate sub-limit.

[161] Medical expenses: Unlimited ↩

Unlimited reimbursement of medical expenses (treatment, hospitalization, medicines, professional fees) incurred abroad, subject to a €100 deductible per person per claim; capped at €10,000 for travel within Italy, up to a maximum of 120 days of hospitalization

La garanzia prevede il rimborso delle spese mediche (per cure, ricovero ospedaliero, medicinali, parcelle professionali) sostenute dall'Assicurato in viaggio, entro il limite e previa deduzione della franchigia specificati nell'Allegato 1.

[162] Medical transport: Unlimited ↩

Actual costs covered for organizing transport of the insured to the most suitable hospital facility by air ambulance, scheduled flight, sleeper/first-class rail, ambulance or other appropriate means, all at the Company's expense

Il trasporto avverrà con aereo sanitario, aereo di linea, vagone letto, cuccetta prima classe, autoambulanza o altro mezzo ritenuto idoneo in ragione delle condizioni cliniche dell'Assicurato e delle circostanze. Tutti i costi sono a carico della Società.

[163] COVID-19 treatment: Not established from the insurer's documents ↩

The policy covers repatriation, assistance and medical expenses if the insured falls ill with coronavirus during the trip; unlimited abroad, capped at €10,000 for travel within Italy

COVID-19 polizza copre rimpatrio, assistenza e spese mediche in caso ci si ammali di coronavirus durante il viaggio.

[164] Personal liability: Not established from the insurer's documents ↩

The IPID for the 'Assistenza fuori Italia' (medical-only) product explicitly excludes third-party liability claims; Section E liability cover is only included in the Assistenza+Bagaglio+Cancellazione (ABC) and Annual Multi-trip product variants

Reclami di responsabilità civile verso terzi derivanti dalla proprietà, il possesso, l'uso e la guida di veicoli, imbarcazioni o mezzi di trasporto in generale.

[165] Emergency dental: €300 ↩

Reimbursement up to €300 for urgent, non-deferrable dental treatment (dressing, filling, root canal, or extraction)

La garanzia prevede anche il rimborso delle spese per cure dentistiche urgenti fino a €300, ossia spese determinate da una prestazione dentistica con carattere d'urgenza.

[166] Search & rescue: €2,000 ↩

Reimbursement or direct payment up to €2,000 per insured (max €7,000 per claim) abroad for search, rescue (including sledge) and salvage (including helicopter) operations; €1,000 per insured (max €3,000 per claim) in Italy

A.18: Spese di ricerca, soccorso e salvataggio €2.000 per assicurato, €7.000 per sinistro €1.000 per assicurato, €3.000 per sinistro

[167] Legal assistance: €3,000 ↩

If the insured is imprisoned or subject to an arrest warrant abroad, the Company covers legal assistance costs up to €3,000 (not available for travel within Italy)

A.15: Assistenza legale all’estero €3.000 N.A.

[168] Emergency medical treatment: Unlimited ↩

Reimbursement of emergency medical treatment costs incurred abroad, unlimited, subject to €100 deductible unless the European Health Insurance Card is presented

In mancanza, troverà applicazione una franchigia di polizza di € 100,00 (cento) per ogni sinistro risarcibile in base alla SEZIONE A (Assistenza, Rimpatrio, Spese Mediche).

[169] Hospitalization: Unlimited ↩

Direct payment or reimbursement of hospital admission costs abroad, unlimited, for a maximum of 120 days of continuous hospitalization during the trip; €10,000 cap for hospitalization in Italy

La Società sostiene direttamente o rimborsa le spese di ricovero ospedaliero, entro i limiti specificati nell'Allegato 1: per un massimo di 120 giorni complessivi di degenza ospedaliera nel corso del viaggio.

[170] Outpatient treatment: Unlimited ↩

Reimbursement of outpatient costs (medical visits, medicines, minor day-hospital procedures) after verification of contractual conditions, within the unlimited medical expenses guarantee abroad

mentre per le “Spese minori”, come piccoli interventi in day-hospital, visite mediche o l’acquisto di farmaci, il rimborso verrà effettuato una volta verificate le condizioni contrattuali.

[171] Medical evacuation: Unlimited ↩

Actual costs covered for the insured's medical repatriation to Italy (residence/domicile or a medical centre chosen by the Assistance Centre), organized by the Assistance Centre

la Centrale Operativa di Assistenza organizzerà il rientro con il mezzo di trasporto che considera più appropriato nelle circostanze. Nel caso in cui il rientro venga organizzato dalla Centrale Operativa, tutti i costi saranno a carico della Società.

[172] Repatriation of remains: Unlimited ↩

Unlimited coverage of transport costs for the body to the place of burial at the insured's domicile; funeral expenses (first preservation, administrative costs, first coffin) additionally covered up to €3,000 abroad / €1,500 in Italy

La Società si fa anche carico, fino all'ammontare indicato nella 'Tabella delle Garanzie' delle spese funerarie (prima conservazione, spese amministrative e spese per la prima bara necessaria al trasporto).

[173] Pre existing conditions: Excluded ↩

Claims arising from any pre-existing medical condition (illness or injury) that was subject to consultation, examination, treatment, or that manifested before the policy was issued, are excluded from cover

qualsiasi condizione medica (relativa a malattia o infortunio) preesistente, che sia stata oggetto di consultazione o esame medico e/o di cure o trattamenti, oppure che si sia manifestata e/o sia stata contratta prima dell' emissione della polizza.

[174] Winter sports cover: Optional ↩

Optional extension (Section H, additional premium required) of the Assistance, Repatriation and Medical Expenses guarantee to winter sports, up to 31 days (Single Trip, age ≤74) or 14 days (Annual Multi-trip, age ≤64)

Assicurazione Viaggio Singolo: coincidente con la durata della polizza, fino ad un massimo di 31 giorni. Assicurazione Annuale Multiviaggio: fino ad un massimo di 14 giorni durante l'intero periodo di validità della polizza annuale.

[175] Adventure sports cover: Conditional ↩

A list of leisure sports (e.g. diving up to 30m, rafting up to grade 3, skydiving excluded, etc.) is included in medical cover only if practised occasionally (max 3 days), non-competitively and with qualified supervision; extendable to 7 days with the optional 'Estensione Sport 7 giorni' for an additional premium; several higher-risk activities (e.g. mountaineering, bungee jumping, heli-skiing) are always excluded

siano svolte soltanto in maniera occasionale (ovvero per non più di 3 giorni durante il periodo del viaggio); non siano configurabili come gare / tornei / allenamenti / prove; non siano svolte a livello professionistico.

[176] Pregnancy complications: Unlimited ↩

Unforeseen pregnancy complications occurring during the trip are covered under general medical expenses up to the sixth completed month of pregnancy; complications beyond the sixth month, voluntary termination, non-premature birth, assisted reproduction and related complications are excluded

patologie della gravidanza oltre il sesto mese compiuto, interruzione volontaria della gravidanza, parto non prematuro, fecondazione assistita e loro complicazioni;

[177] Medical expenses: €10,000 – €20,000,000 ↩

Reasonable medical expenses arising from a health emergency during the trip are covered up to €20,000,000 for Europe and the Rest of the World, and up to €10,000 for trips wholly within Italy.

Sono coperte tutte le ragionevoli spese mediche dovute a un'emergenza sanitaria l'Assicurato si sia trovato a sostenere in viaggio durante il Periodo di Assicurazione.

[178] Medical transport: Covered ↩

The Operations Centre organises transfer of the insured to the nearest adequate medical facility, transfer to the insured's residence, and sanitary repatriation to Italy, using air ambulance, scheduled flight (stretchered if needed), first-class train or ambulance; costs fall within the same overall medical-expenses limit as hospitalization.

il trasferimento dalla struttura medica alla residenza dell'Assicurato; il rimpatrio sanitario in Italia se le condizioni dell'Assicurato lo permettono e lo richiedono.

[179] COVID-19 treatment: Covered ↩

Sudden illness, including diagnosed pandemic illness such as COVID-19, is covered under the Assistance in Travel and Medical Expenses in Travel sections, within the same limits as other medical emergencies.

La Società, in caso di malattia improvvisa (incluse pandemie e malattie pandemiche diagnosticate), infortunio dell'Assicurato in Viaggio e/o quarantene obbligatorie, tramite la Centrale Operativa, organizza ed eroga, 24 ore su 24, le seguenti prestazioni:

[180] Personal liability: €25,000 ↩

Covers sums the insured is legally liable to pay as compensation for death, personal injury or damage to property/animals caused accidentally to third parties in the course of private life, up to €25,000 per insured, per event and per insurance period; excludes professional activities, hunting, theft, motor vehicle circulation, weapons, and real-estate occupation (temporary holiday occupation capped at €250).

La Società risponde delle somme che l'Assicurato sia tenuto a pagare, quale civilmente responsabile ai sensi di legge, a titolo di risarcimento (capitali, interessi e spese) di danni involontariamente cagionati a Terzi per morte, lesioni personali e danneggiamenti a cose e animali

[181] Emergency dental: €550 ↩

Reimburses emergency dental treatment for immediate pain relief and/or urgent repair of teeth or dental prosthetics, up to €550.

La Società provvede al rimborso delle spese per cure odontoiatriche di emergenza per l'immediato sollievo del dolore e/o interventi urgenti per la ricostruzione di denti o di protesi dentali per alleviare i disagi nel mangiare.

[182] Search & rescue: €5,000 ↩

If the insured goes missing, the Company provides assistance and covers search and rescue costs up to €5,000.

Qualora l'Assicurato sia disperso, la Società provvederà a fornire assistenza e a farsi carico delle spese per la ricerca e il soccorso dello stesso Fino ad un Massimo di €5.000

[183] Legal assistance: €1,500 ↩

If the insured is arrested or threatened with arrest, the Operations Centre provides a lawyer and pays fees up to €1,500; NOT available for events occurring in Italy; excluded when the claim is against the Company, AXA Assistance, a travel agent/tour operator or a related person.

Qualora l'Assicurato fosse arrestato o minacciato di arresto e necessiti di assistenza legale, la Centrale Operativa metterà a disposizione dell'Assicurato un legale, nel rispetto delle regolamentazioni locali, e pagherà la relativa parcella fino al massimale indicato.

[184] Emergency medical treatment: €10,000 – €20,000,000 ↩

Covers doctor fees, hospital costs, medical care and transport to the nearest adequate medical centre following a sudden illness or accident; €10,000 in Italy, €20,000,000 in Europe/Rest of World.

Queste comprendono le parcelle di un Medico Generico, le spese ospedaliere, le cure mediche e tutti i costi per il trasporto dell'Assicurato al centro medico adeguato più vicino.

[185] Hospitalization: €10,000 – €20,000,000 ↩

Hospitalization costs are covered until discharge or repatriation is deemed possible, for a maximum of 120 days of hospitalization; €10,000 in Italy, €20,000,000 in Europe/Rest of World. No reimbursement if the Operations Centre was not contacted and authorisation obtained.

La garanzia sarà operante per un periodo non superiore a 120 giorni complessivi di degenza. Nessun rimborso è previsto in caso di mancato contatto con la preventiva autorizzazione da parte Centrale Operativa.

[186] Outpatient treatment: €550 – €1,300 ↩

Reimburses the first emergency outpatient/first-aid visit (including day hospital) plus diagnostic tests and medicines prescribed by the local doctor; €550 in Italy, €1,300 in Europe/Rest of World.

la società rimborserà le spese della prima visita medica d'urgenza effettuata in regime ambulatoriale e/o di pronto soccorso (compreso il day hospital) e gli eventuali costi degli accertamenti diagnostici, spese farmaceutiche e/o visite di controllo regolarmente prescritti dal medico curante sul posto.

[187] Medical evacuation: Covered ↩

If the Operations Centre's medical service recommends it, sanitary repatriation to Italy is organised by air ambulance (Europe only), scheduled flight, train or ambulance, with medical/paramedical escort if required; included within the overall medical-expenses limit.

Qualora il servizio medico della Centrale Operativa consigli il trasporto sanitario dello stesso, previa analisi del quadro clinico e d'intesa con il medico curante sul posto, la Centrale Operativa organizzerà, con la necessaria assistenza durante il trasporto da parte dello staff medico o paramedico

[188] Repatriation of remains: €2,000 ↩

In case of death of the insured during the trip, the Operations Centre organises and carries out transport of the remains to the place of burial in Italy, up to €2,000; funeral/burial/cremation ceremony costs are excluded from this benefit but a separate €2,000 funeral-expenses benefit exists under Tutto Incluso.

In caso di decesso dell'Assicurato durante il viaggio, la Centrale Operativa organizzerà ed effettuerà il trasporto della salma fino al luogo di sepoltura in Italia.

[189] Pre existing conditions: Excluded ↩

Claims deriving directly or indirectly from any Pre-existing Medical Condition (symptomatic or treated in the 2 years before taking out the policy and/or the trip) are excluded, except for approximately 60 listed 'exempted conditions' which are covered at no extra charge provided the insured is not awaiting surgery for the condition and it has been declared fully satisfactory with no further post-operative check-up required.

Si prega di notare che le condizioni mediche riportate di seguito saranno coperte senza un ulteriore addebito e saranno soggette alle normali Condizioni Generali di questa assicurazione, purchè: (a) l'Assicurato non stia aspettando di essere sottoposto a un'operazione chirurgica per la condizione

[190] Winter sports cover: Excluded ↩

No winter-sports extension is offered; medical expenses exclude extreme sports practised outside sports organisations or without required safety criteria, and the (Tutto Incluso only) accident section excludes off-piste skiing, ski-jumping, mountaineering, free climbing, rafting and bungee jumping.

ad atti di temerarietà e pratica di sport aerei e dell'aria in genere, speleologia, salti dal trampolino con sci od idrosci, sci acrobatico, sci fuoripista, alpinismo, arrampicata libera (free climbing), discese di rapide di corsi d'acqua (rafting), salti nel vuoto (bungee jumping)

[191] Adventure sports cover: Excluded ↩

Aerial and extreme sports practised outside sports organisations and without required safety criteria are excluded from medical expenses, and any sport practised professionally or for direct/indirect remuneration is excluded from all guarantees.

pratica di sport aerei e dell'aria in genere, sport estremi se praticati al di fuori di organizzazioni sportive e senza i criteri di sicurezza previsti; qualsiasi sport esercitato professionalmente o che, comunque, comporti remunerazione diretta o indiretta

[192] Pregnancy complications: €75,000 – €100,000 ↩

Reasonable emergency medical expenses for babies born following a listed Pregnancy Complication during a trip outside Italy are covered up to €75,000 (€100,000 in the USA, Canada or Caribbean); NOT covered for trips within Italy; normal pregnancy/delivery is excluded.

Tutte le spese di urgenza medica ragionevoli e necessarie per tutti i bambini nati in seguito a Complicazioni della Gravidanza durante un Viaggio fuori dall'Italia.

[193] Medical expenses: Covered ↩

The product page confirms medical expenses reimbursement is a core included benefit of Tutto Compreso, but the exact limit could not be retrieved from the official Tutto Compreso T&C/IPID.

[194] Medical transport: See details ↩

Not found in the available official Tutto Compreso sources.

[195] COVID-19 treatment: See details ↩

Not found in the available official Tutto Compreso sources.

[196] Personal liability: Covered ↩

The official product page lists 'responsabilità civile' as a component of Tutto Compreso, but the exact limit could not be retrieved from the official Tutto Compreso T&C/IPID.

[197] Emergency dental: See details ↩

Not found in the available official Tutto Compreso sources.

[198] Search & rescue: See details ↩

Not found in the available official Tutto Compreso sources.

[199] Legal assistance: See details ↩

Not found in the available official Tutto Compreso sources.

[200] Emergency medical treatment: See details ↩

Not found in the available official Tutto Compreso sources.

[201] Hospitalization: See details ↩

Not found in the available official Tutto Compreso sources.

[202] Outpatient treatment: See details ↩

Not found in the available official Tutto Compreso sources.

[203] Medical evacuation: See details ↩

Not found in the available official Tutto Compreso sources.

[204] Repatriation of remains: See details ↩

Not found in the available official Tutto Compreso sources.

[205] Pre existing conditions: See details ↩

Not found in the available official Tutto Compreso sources.

[206] Winter sports cover: See details ↩

Not found in the available official Tutto Compreso sources.

[207] Adventure sports cover: See details ↩

Not found in the available official Tutto Compreso sources.

[208] Pregnancy complications: See details ↩

Not found in the available official Tutto Compreso sources.

[209] Medical expenses: €1,000,000 ↩

Medical, pharmaceutical and hospital expenses due to illness or injury are covered up to €1,000,000, with direct payment at hospitals or reimbursement otherwise.

Spese mediche fino a 1.000.000 €

[210] Medical transport: Not established from the reviewed documents ↩

[211] COVID-19 treatment: Not established from the reviewed documents ↩

[212] Personal liability: Covered ↩

Civil liability cover for unintentional damage caused to third parties while travelling is included; no specific monetary limit is stated on the product page.

Responsabilità Civile in Viaggio Copertura per danni involontari a terzi.

[213] Emergency dental: Not established from the reviewed documents ↩

[214] Search & rescue: Covered ↩

Search and rescue expenses abroad are included.

Incluse anche spese di ricerca e salvataggio su estero

[215] Legal assistance: Not established from the reviewed documents ↩

[216] Emergency medical treatment: Covered ↩

Emergency medical, pharmaceutical and hospital treatment due to sudden illness or injury while travelling is covered.

In caso di malattia o infortunio in viaggio la Centrale medica operativa organizza h24 tutta l’assistenza, sul posto e fino al rientro a casa, tenendo a carico i costi.

[217] Hospitalization: Covered ↩

Hospital expenses arising from illness or injury during the trip are taken in charge, with direct payment at the facility where feasible.

Europ Assistance prende in carico le spese mediche, farmaceutiche ed ospedaliere in caso di malattia o infortunio, con pagamento diretto presso le strutture ospedaliere o ti rimborsa, negli altri casi.

[218] Outpatient treatment: Not established from the reviewed documents ↩

[219] Medical evacuation: Covered ↩

The 24-hour medical operational centre organizes and takes charge of all assistance on site and until return home in case of illness or injury.

In caso di malattia o infortunio in viaggio la Centrale medica operativa organizza h24 tutta l’assistenza, sul posto e fino al rientro a casa, tenendo a carico i costi.

[220] Repatriation of remains: Not established from the reviewed documents ↩

[221] Pre existing conditions: Not established from the reviewed documents ↩

[222] Winter sports cover: Not established from the reviewed documents ↩

[223] Adventure sports cover: Not established from the reviewed documents ↩

[224] Pregnancy complications: Not established from the reviewed documents ↩

[225] Medical expenses: €1,000 – €5,000,000 ↩

Hospital and surgical expenses reimbursed per insured and per insurance period, varying by destination and tier: Italy €1,000/€2,000/€3,000 (Prime/Plus/Premium); Europe €1,000,000 flat across all tiers; World excluding USA/Canada €1,000,000/€2,000,000/€2,000,000; Worldwide €2,500,000/€5,000,000/€5,000,000.

Mondo intero: € 2.500.000,00 € 5.000.000,00 € 5.000.000,00

[226] Medical transport: Unlimited ↩

Organization and unlimited coverage of medical transport from the place of the event to the nearest suitable facility, or between medical facilities when better equipment is needed; all tiers.

Trasporto sanitario: a) dal luogo dell'evento al più vicino luogo idoneo a prestare le cure. b) dal centro medico ove sono state prestate le prime cure di emergenza ad un centro medico meglio attrezzato.

[227] COVID-19 treatment: Excluded ↩

Epidemics or pandemics declared by the World Health Organization, and quarantines documented and imposed by public authorities, are excluded from all guarantees; the current edition (05/2026) contains no COVID-19-specific benefit.

p) epidemie o pandemie in base a quanto dichiarato dall'Organizzazione Mondiale della Sanità; q) quarantene documentate e imposte da autorità pubbliche competenti.

[228] Personal liability: See details ↩

No general third-party personal liability guarantee is included in this product; the policy only covers a legal-defence/bail advance service in case the insured is held liable abroad for negligent acts (see Legal Assistance).

Segnalazione di un legale, anticipo spese di difesa, eventuale cauzione penale;

[229] Emergency dental: €150 – €500 ↩

Reimbursement of urgent dental treatment during the trip that cannot be postponed until return, sub-limited per tier: Prime €150, Plus €300, Premium €500.

[230] Search & rescue: €2,000 – €4,000 ↩

Reimbursement of search, rescue and recovery expenses organized by civil/military rescuers, capped per tier: Prime €2,000, Plus €3,000, Premium €4,000; a general policy-wide cap of €4,000 also applies for the search of missing/disappeared persons.

SPESE DI RICERCA, SOCCORSO E SALVATAGGIO Massimale per Assicurato e per periodo assicurativo: Prime € 2.000,00; Plus € 3.000,00; Premium € 4.000,00.

[231] Legal assistance: €2,500 – €15,000 ↩

Referral of a local lawyer is included with unlimited cover; the insurer also advances defence costs up to €2,500 and a bail bond (cauzione penale) up to €15,000 per insured and per insurance period, against an adequate bank guarantee; these are repayable advances, not indemnities. All tiers.

CAUZIONE PENALE Somma anticipata per Assicurato e per periodo assicurativo: € 15.000,00

[232] Emergency medical treatment: €1,000 – €5,000,000 ↩

Covers medical treatment required following accident or illness that cannot be postponed until return to the place of residence, within the same destination-based grid as overall medical expenses.

Mondo intero: € 2.500.000,00 € 5.000.000,00 € 5.000.000,00

[233] Hospitalization: €1,000 – €5,000,000 ↩

Direct payment of hospital and surgical costs abroad, within the same destination-based grid as medical expenses; cover is limited to a maximum of 180 total days of hospital confinement.

[234] Outpatient treatment: €1,000 – €3,000 ↩

Reimbursement of expenses for medical visits, outpatient/first-aid care, day hospital and prescribed pharmaceuticals incurred during the trip, sub-limited per tier: Prime €1,000, Plus €2,000, Premium €3,000.

[235] Medical evacuation: Unlimited ↩

Unlimited organization and coverage of the insured's medically-necessary repatriation to their place of residence or an equipped hospital in Italy when the condition cannot be treated on-site; includes medical/nursing assistance during transport if needed.

Rientro sanitario dell'assicurato;

[236] Repatriation of remains: Unlimited ↩

Unlimited organization and coverage of transport of the insured's remains from the place of death to the place of residence; funeral expenses and the search/recovery of the remains are excluded.

Rimpatrio salma;

[237] Pre existing conditions: Excluded ↩

Pre-existing conditions - diagnosed or under medical assessment before the policy was issued or before enrolment in the trip - are excluded from all guarantees, in particular from Travel Assistance and Medical Expenses.

i) Malattie Preesistenti;

[238] Winter sports cover: Conditional ↩

Ordinary recreational skiing is not on the general exclusion list (Art. 1.22) for the Assistance/Medical Expenses guarantees, but the separate Accident guarantee (Premium tier only) excludes ski-alpinism, extreme skiing, freestyle/acrobatic skiing and ski-jump; any activity practiced professionally is always excluded.

guidoslitta, bob, sci acrobatico, salti dal trampolino con sci o idrosci, Kitesurfing, immersioni con autorespiratore, pugilato, lotta nelle sue varie forme, arti marziali in genere, atletica pesante, rugby, football americano, speleologia.

[239] Adventure sports cover: Conditional ↩

Accidents arising from mountaineering with rock/glacier access, free climbing, aerial sports, skydiving, motor/motorboat/motorcycle racing, bobsleigh, kitesurfing and scuba diving are excluded, except that bobsleigh, kitesurfing and scuba diving remain covered when practiced purely recreationally and occasionally; professional sporting activity is always excluded.

f) infortuni derivanti dallo svolgimento delle seguenti attività: alpinismo con scalata di rocce o accesso a ghiacciai, arrampicata libera (free climbing), sport aerei in genere; guida ed uso di deltaplani ed altri tipi di veicoli aerei ultraleggeri, paracadutismo, escursioni in mongolfiera, parapendii ed assimilabili; corse e gare automobilistiche, motonautiche e motociclistiche e relative prove ed allenamenti; guidoslitta, bob, sci acrobatico, salti dal trampolino con sci o idrosci, Kitesurfing, immersioni con autorespiratore, pugilato, lotta nelle sue varie forme, arti marziali in genere, atletica pesante, rugby, football americano, speleologia.

[240] Pregnancy complications: Conditional ↩

Pregnancy-related illness is covered up to the 26th week of gestation; illness related to pregnancy beyond the 26th week, puerperium complications, therapeutic abortion and childbirth are excluded from all guarantees.

m) malattie correlate alla gravidanza oltre la 26ma settimana di gestazione e correlate al puerperio; aborto terapeutico; parto;

[241] Medical expenses: Covered ↩

The Medical Expenses Reimbursement section covers medical, pharmaceutical and hospital expenses incurred following an accident or sudden illness while travelling, up to the sum insured chosen and stated in the policy. Within that overall limit, daily sub-limits apply to hospital stay charges and urgent dental care: €150 per day under the EASY formula and €200 per day under the TOP formula. A deductible of €50 applies for trips in Italy and €100 for trips abroad. An optional paid extension is also available to increase the Medical Expenses Reimbursement sum insured for the USA/Canada up to €80,000.

[242] Medical transport: Covered ↩

If travelling in Italy and a doctor is needed between 8pm and 8am or on public holidays and cannot otherwise be found, the Organisational Structure sends a contracted doctor, or organises transfer by ambulance to the nearest suitable medical centre, at the insurer's expense.

Qualora l’Assicurato si trovi in viaggio in Italia e, a seguito di infortunio o malattia improvvisa, necessiti di un medico dalle ore 20 alle ore 8 o nei giorni festivi e non riesca a reperirlo, la Struttura Organizzativa, accertata la necessità della prestazione, provvederà ad inviare uno dei medici convenzionati, sostenendone le spese. […] In caso di impossibilità da parte di uno dei medici convenzionati ad intervenire personalmente, la Struttura Organizzativa organizzerà, in via sostitutiva, il trasferimento dell’Assicurato nel centro medico idoneo più vicino mediante autoambulanza.

[243] COVID-19 treatment: See details ↩

Not specifically addressed in the reviewed policy documents.

[244] Personal liability: Covered ↩

Indemnifies the insured for amounts they are legally liable to pay for accidental death, injury or property damage caused to third parties during private-life travel, up to the policy's stated sum insured. A €100 deductible applies per property-damage claim. Under formula EASY, cover excludes the USA and Canada; under formula TOP, cover is worldwide including the USA and Canada, with a €1,000 deductible for claims occurring there and exclusion of punitive damages.

La Società si obbliga a tenere indenne l’Assicurato, fino alla concorrenza del massimale indicato in polizza, di quanto questi sia tenuto a pagare quale civilmente responsabile ai sensi di legge, a titolo di risarcimento (capitale, interessi e spese) di danni involontariamente cagionati a terzi per morte, lesioni personali e danneggiamenti a cose, in conseguenza di un fatto accidentale verificatosi quando si è in viaggio nell’ambito della vita privata […] La garanzia viene prestata con una franchigia di euro 100,00 per ogni danno a cose. […] Se indicata in polizza la formula EASY L’assicurazione vale per i danni occorsi in viaggio che avvengano in tutto il mondo, esclusi Stati Uniti d’America e Canada. Se indicata in polizza la formula TOP L’assicurazione vale per i danni occorsi in viaggio che avvengano in tutto il mondo. Relativamente ai sinistri avvenuti negli Stati Uniti d’America e in Canada, è operante una franchigia di euro 1.000,00 per ogni sinistro

[245] Emergency dental: €150 – €200 ↩

Reimbursement limit for urgent dental treatment necessitated by an accident: €150 under formula EASY, €200 under formula TOP.

Formula TOP: limiti di Indennizzo per Assicurato 200,00 euro al giorno per rette di degenza in istituto di cura e 200,00 euro per cure dentarie urgenti a seguito di infortunio.

[246] Search & rescue: See details ↩

Not mentioned in the reviewed policy documents.

[247] Legal assistance: €5,000 ↩

If arrested or threatened with arrest abroad, the Organisational Structure provides a lawyer and advances legal fees up to €5,000 (or more, subject to adequate guarantees being provided in Italy). The Responsabilità Civile section also includes management of out-of-court and court disputes, with the insurer appointing lawyers and technical experts.

Se l’Assicurato, in caso di arresto o di minaccia di arresto, necessitasse di assistenza legale, la Struttura Organizzativa metterà a disposizione dell’Assicurato un legale, nel rispetto delle regolamentazioni locali. […] La Struttura Organizzativa anticiperà per conto dell’Assicurato, a richiesta dello stesso, il pagamento della parcella fino all’equivalente in valuta locale di euro 5.000,00. Nel caso l’ammontare delle fatture superasse l’importo complessivo di euro 5.000,00 la prestazione diventerà operante nel momento in cui, in Italia, la Struttura Organizzativa avrà ricevuto adeguate garanzie. […] La Società assume, fino a quando ne ha interesse, la gestione delle vertenze tanto in sede stragiudiziale che giudiziale, sia civile che penale, a nome dell’Assicurato, designando, ove occorra, legali e tecnici ed avvalendosi di tutti i diritti e di tutte le azioni spettanti all’Assicurato stesso.

[248] Emergency medical treatment: Covered ↩

Covers medical, surgical and hospital expenses for treatment received on the spot during a trip following an accident or sudden illness, including treatment received in a facility equipped for first aid.

Qualora a seguito di infortunio o malattia improvvisa, l’Assicurato in viaggio venga ricoverato in istituto di cura o riceva cure in un luogo attrezzato per il pronto soccorso, sono comprese nell’assicurazione, fino a concorrenza della somma assicurata indicata in polizza per la presente sezione, le spese mediche, farmaceutiche ed ospedaliere necessarie per cure o interventi ricevuti sul posto, durante viaggi o soggiorni al di fuori del comune di residenza.

[249] Hospitalization: €150 – €200 ↩

Daily indemnity limit for hospital stay charges (rette di degenza in istituto di cura): €150/day under formula EASY, €200/day under formula TOP.

Formula EASY: limiti di Indennizzo per Assicurato 150,00 euro al giorno per rette di degenza in istituto di cura e 150,00 euro per cure dentarie urgenti a seguito di infortunio.

[250] Outpatient treatment: Covered ↩

Covers treatment received at a facility equipped for first aid (pronto soccorso), within the overall medical-expenses sum insured, subject to the same €50/€100 (Italy/abroad) deductible.

Qualora a seguito di infortunio o malattia improvvisa, l’Assicurato in viaggio venga ricoverato in istituto di cura o riceva cure in un luogo attrezzato per il pronto soccorso, sono comprese nell’assicurazione, fino a concorrenza della somma assicurata indicata in polizza per la presente sezione, le spese mediche, farmaceutiche ed ospedaliere necessarie per cure o interventi ricevuti sul posto, durante viaggi o soggiorni al di fuori del comune di residenza. […] È operante una franchigia assoluta di: - euro 50,00 per sinistro se il viaggio si svolge in Italia; - euro 100,00 per sinistro se il viaggio si svolge all’estero.

[251] Medical evacuation: Covered ↩

If, following an accident or sudden illness, the insured's condition requires transport back to Italy for hospital care or to their residence, the Organisational Structure organises and pays for transport via air ambulance, scheduled flight (economy, on a stretcher if needed), first-class train, or ambulance (unlimited mileage). Applies only if illness/injury cannot be treated on the spot.

Qualora a seguito di infortunio o malattia improvvisa le condizioni dell’Assicurato in viaggio – accertate mediante contatti diretti e/o con altri mezzi di comunicazione tra i medici della Struttura Organizzativa e medico curante sul posto – rendano necessario il trasporto in Italia per il ricovero in istituto di cura o alla sua residenza, la Struttura Organizzativa provvederà ad organizzare il trasporto assumendosene le spese con il mezzo ritenuto più idoneo tra i seguenti: - aereo sanitario; - aereo di linea, in classe economica ed eventualmente in barella; - treno, in prima classe ed eventualmente in vagone letto; - autoambulanza (o imbarcazione trasporto feriti) con chilometraggio illimitato. […] Non danno luogo alla prestazione le infermità o lesioni che a giudizio dei medici possono essere curate sul posto o che non impediscono all’Assicurato di proseguire il viaggio e le malattie infettive nel caso in cui il trasporto implichi violazione di norme nazionali od internazionali.

[252] Repatriation of remains: €3,000 ↩

In case of death of the insured, the Organisational Structure organises and pays for transport of the body to the place of burial in Italy, up to €3,000 per claim (even if several insureds are involved). Funeral ceremony costs and any further body-recovery costs are excluded.

Rientro sanitario: fino a 3.000,00 euro per trasporto salma fino al luogo di sepoltura in Italia

[253] Pre existing conditions: Excluded ↩

Claims deriving from illnesses that are the expression or direct consequence of chronic or pre-existing pathological conditions predating policy subscription are excluded across all sections.

Ferme restando le esclusioni specifiche relative a ciascuna sezione, l’assicurazione non copre i sinistri: […] derivanti da malattie che siano l’espressione o la conseguenza diretta di situazioni patologiche croniche o preesistenti alla sottoscrizione della polizza;

[254] Winter sports cover: Conditional ↩

Under the Medical Expenses Reimbursement section, ordinary recreational skiing is not on the exclusion list and is therefore covered; only extreme winter-sport variants are excluded (ski-mountaineering, acrobatic skiing, extreme ski/snowboard, ski/water-ski jumping, sledge-driving, mountaineering/ice climbing above grade 3). Under the separate Accident (Infortuni) section, however, 'sci in genere' (skiing in general) is explicitly on the list of excluded sporting activities, so accident benefits (death/permanent disability) do not apply to skiing injuries.

in conseguenza di infortuni derivanti dallo svolgimento delle seguenti attività: alpinismo o ghiaccio oltre il 3° grado, arrampicata libera (free climbing), discesa con qualunque mezzo di tratti fluviali con difficoltà superiori al 3° grado, speleologia, salto dal trampolino con sci o idrosci, sci alpinismo, guida ed uso di guidoslitta, kite-surf, snow-kite, sci acrobatico, sci o snow-board estremi, bob, immersione con autorespiratore, paracadutismo e sport aerei in genere; […] gli infortuni derivanti dalla pratica non professionale di qualsiasi sport con esclusione di pugilato, atletica pesante, arti marziali, lotta nelle sue varie forme, alpinismo o ghiaccio oltre il 3° grado, arrampicata libera (free climbing), discesa con qualunque mezzo di tratti fluviali con difficoltà superiori al 3° grado, salto dal trampolino con sci o idrosci, sci in genere, bob, rugby, football americano, immersione con autorespiratore, paracadutismo e sport aerei in genere.

[255] Adventure sports cover: Excluded ↩

Assistance and medical-expenses benefits do not apply to accidents arising from mountaineering/ice-climbing above grade 3, free climbing, whitewater descents above grade 3, caving, ski/water-ski jumping, ski-mountaineering, kite-surf, snow-kite, acrobatic skiing, extreme ski/snowboard, scuba diving, skydiving and aerial sports in general, nor to injuries from motor racing or professional sporting activity.

in conseguenza di infortuni che derivano dalla pratica di determinate attività sportive (alpinismo o ghiaccio oltre il 3° grado, arrampicata libera, discesa di tratti fluviali con difficoltà superiori al 3° grado, speleologia, salto dal trampolino con sci o idrosci, sci alpinismo, guida e uso di guidoslitta, kite-surf, snow-kite, sci acrobatico, sci o snow-board estremi, bob,immersione con autorespiratore, paracadutismo e sport aerei in genere); avvenuti in occasione di corse e gare automobilistiche, motonautiche e motociclistiche e relative prove e allenamenti; avvenuti durante la pratica di attività sportive a titolo professionale

[256] Pregnancy complications: Conditional ↩

Assistance and medical-expenses cover applies to pregnancy-related conditions only up to the 26th week of gestation; illnesses/treatment connected with pregnancy beyond the 26th week and with the puerperium are excluded.

derivanti da malattie dipendenti dalla gravidanza oltre la 26ma settimana di gestazione e dal puerperio; […] per cure ed interventi a seguito di malattie nervose e mentali, malattie dipendenti dalla gravidanza oltre la 26ma settimana di gestazione e dal puerperio;

[257] Medical expenses: Covered ↩

In case of accident or sudden illness, Genertel reimburses, up to the sum insured stated in the policy, expenses incurred during hospitalization occurring locally during the trip (medical assistance, treatments, physiotherapy, medicines, diagnostic exams, surgeons' fees, operating theatre rights, therapeutic devices and endoprostheses, and daily hospital rates). Only in case of accident, further expenses incurred within 10 days after returning home are also reimbursed. The exact sum insured is set per individual policy and is not disclosed in the general information set.

In caso di infortunio o malattia improvvisa indennizzabili a termini di polizza, l'Impresa assicura, fino a concorrenza del massimale indicato in polizza, il rimborso delle spese sostenute durante il ricovero avvenuto sul posto nel corso del viaggio per:

[258] Medical transport: Covered ↩

Ambulance transport (without mileage limits) may be used as part of the 'Rientro sanitario' (medical repatriation) service organized by Europ Assistance; this is not offered as a separate standalone benefit from medical evacuation.

autoambulanza (senza limiti di chilometraggio).

[259] COVID-19 treatment: See details ↩

COVID-19 is not specifically mentioned in the policy documents; sudden illness cover would apply generally, but no specific COVID-19 clause is stated.

[260] Personal liability: Covered ↩

Genertel indemnifies the insured, up to the sum insured stated in the policy, for amounts they are legally liable to pay as compensation for damage unintentionally caused to third parties during an accidental event occurring on the trip. Excludes liability for goods in the insured's custody, pollution, radioactive substances, hunting, and vehicles/vessels/aircraft subject to compulsory insurance; excludes damage caused with willful intent; does not operate in countries in a state of war. A €150 deductible applies.

Alle condizioni seguenti l'Impresa si obbliga a tenere indenne l'Assicurato, fino alla concorrenza del massimale indicato in polizza, delle somme che questi sia tenuto a pagare quale civilmente responsabile ai sensi di Legge, a titolo di risarcimento (capitale, interessi e spese) per danni involontariamente cagionati a terzi in conseguenza di un fatto accidentale verificatosi durante il viaggio.

[261] Emergency dental: See details ↩

Emergency dental care is not mentioned as a covered benefit in the policy documents.

[262] Search & rescue: See details ↩

Search and rescue costs are not mentioned as a covered benefit in the policy documents.

[263] Legal assistance: €5,000 ↩

Genertel bears, up to €5,000 per trip, the costs of judicial assistance in civil and criminal proceedings (at every stage and level) and out-of-court assistance, to protect the insured's interests regarding compensation for damage they suffered during the trip. Cover relates only to damage arising from third parties' extra-contractual liability. Requests must reach the company within six months of the contract's expiry.

L'Impresa assume a proprio carico, fino alla concorrenza di euro 5.000 per ciascun viaggio, le spese di assistenza giudiziale in sede civile e penale, in ogni stato e grado, nonché in sede stragiudiziale, per la tutela degli interessi dell'Assicurato in relazione al risarcimento dei danni dai lui subiti nel corso del viaggio.

[264] Emergency medical treatment: Covered ↩

Emergency medical assistance and treatment received during hospitalization is covered as part of the hospitalization expense reimbursement; no separate standalone outpatient emergency treatment benefit is described.

assistenza medica, cure, trattamenti fisioterapici e rieducativi, medicinali, esami e accertamenti diagnostici;

[265] Hospitalization: Covered ↩

Reimbursement, up to the policy sum insured, of hospitalization costs (at least one overnight stay in an authorized medical facility) resulting from an accident or sudden illness occurring during the trip. A fixed deductible of €150 applies to every indemnity under this cover.

Ogni indennizzo, relativo alle coperture dell'art.1.1, verrà effettuato previa deduzione di un importo fisso e assoluto di euro 150 che resta a carico dell'Assicurato.

[266] Outpatient treatment: See details ↩

Outpatient (non-hospitalization) medical treatment is not described as a covered benefit in the policy documents; cover is limited to expenses incurred during hospitalization.

[267] Medical evacuation: Covered ↩

Where, following an accident or sudden illness, the insured's condition (assessed by Europ Assistance doctors in contact with the local treating physician) requires transport to an equipped hospital in Italy or to the insured's residence, Europ Assistance organizes transport (air ambulance, scheduled airline economy class possibly on a stretcher, first-class train with sleeper if needed, or ambulance with no mileage limit) entirely at Genertel's expense, including medical/nursing assistance if judged necessary. Only available when the event occurs more than 100 km from the insured's home municipality; not due for conditions curable on-site or that do not prevent continuing the trip, nor if it would breach health regulations, nor in case of voluntary discharge against medical advice.

qualora, a seguito di infortunio o malattia improvvisa, le condizioni dell'Assicurato, accertate tramite contatti diretti e/o con altri mezzi di telecomunicazione tra i medici della Centrale Europ Assistance e il medico curante sul posto, rendano necessario il suo trasporto in ospedale attrezzato in Italia o alla sua residenza, la Centrale Europ Assistance provvederà a effettuare il trasporto con il mezzo che i medici della stessa ritengono più idoneo alle condizioni del paziente.

[268] Repatriation of remains: See details ↩

Repatriation of mortal remains is not among the assistance services listed (medical repatriation, family member's travel, early return, interpreter) and is not addressed in the policy documents.

[269] Pre existing conditions: Excluded ↩

Pre-existing illnesses — i.e. illnesses that are the expression or direct consequence of chronic or pre-existing pathological conditions predating the policy's inception — are excluded from cover.

le malattie preesistenti, cioè le malattie che siano l'espressione o la conseguenza diretta di situazioni patologiche croniche o preesistenti alla sottoscrizione dell'assicurazione;

[270] Winter sports cover: Excluded ↩

Accidents arising from mountaineering with rock climbing or access to glaciers, ski or water-ski jumping, and driving/use of sledges are explicitly excluded from cover.

gli infortuni derivanti dallo svolgimento delle seguenti attività: alpinismo con scalata di roccia o accesso ai ghiacciai, salti dal trampolino con sci o idrosci, guida e uso di guidoslitte, sports aerei in genere, atti di temerarietà, corse e gare automobilistiche, motonautiche e motociclistiche e relative prove e allenamenti, nonché tutti gli infortuni sofferti in conseguenza di attività sportive svolte a titolo professionale;

[271] Adventure sports cover: Excluded ↩

Accidents from aerial sports in general, acts of recklessness, and motor/motorboat/motorcycle racing (and related trials/training), as well as professionally practiced sporting activities, are explicitly excluded.

gli infortuni derivanti dallo svolgimento delle seguenti attività: alpinismo con scalata di roccia o accesso ai ghiacciai, salti dal trampolino con sci o idrosci, guida e uso di guidoslitte, sports aerei in genere, atti di temerarietà, corse e gare automobilistiche, motonautiche e motociclistiche e relative prove e allenamenti, nonché tutti gli infortuni sofferti in conseguenza di attività sportive svolte a titolo professionale;