AXA Assicurazioni S.p.A.

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.

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).

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.

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).

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).

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).

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.

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.

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

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.

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.

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.

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.

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.

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.

The Centrale Operativa is available 24 hours a day, every day of the year, to provide telephone medical consultation, dispatch a doctor/ambulance, arrange sanitary transfers and coordinate all other assistance benefits.