AXA
AXA is a travel insurance for the IT market with online purchase and 24/7 assistance.
Direct payment
AXA provides direct payment of medical expenses to healthcare providers, subject to prior contact and authorisation from the Organisational Structure (AXA Assistance, Inter Partner Assistance S.A., reachable 24/7 at +39 06 42 115 741 from abroad). If the insured fails to contact the Organisational Structure in advance, only reimbursement at reduced sub-limits is available. No reimbursement is possible without any contact with the Organisational Structure.
Geographic scope
IT
Valid abroad only within selected profile: Europa (geographical Europe including Russia and Mediterranean basin), Resto del mondo (all countries except those in Europa and USA/Canada profiles, and excluding Iran, North Korea, Sudan, Syria, Belarus, Cuba, Democratic Republic of Congo, Somalia, South Sudan, Zimbabwe), USA/Canada. Countries at war or belligerence always excluded.
Unique selling points
- Medical expense coverage of up to €100,000 for the USA/Canada profile, significantly exceeding the minimum required for most travel destinations and providing robust protection for high-cost healthcare systems.
- Direct payment service to healthcare providers worldwide via the AXA Assistance network, meaning the insured pays nothing out-of-pocket at point of care when prior authorisation is obtained.
- Comprehensive 24/7 travel assistance service including dispatch of a doctor or ambulance, telephone medical consultation, specialist referral, medical evacuation, sanitary repatriation, extended stay coverage, and return travel for travel companions, all managed by Inter Partner Assistance S.A.
- Simple per-trip policy with no cancellation required: coverage activates immediately upon premium payment and terminates automatically upon return to Italy or at policy expiry, without any administrative burden for the insured.
- Three selectable geographic profiles (Europa, Resto del mondo, USA/Canada) allowing the insured to tailor coverage precisely to their destination, with cumulative coverage zones for the higher-tier profiles.
Coverage limits
Medical expenses during travel (direct payment)
Covered
Covers urgent medical and hospital expenses including surgery incurred during travel. Direct payment up to €50,000 for Europa and Resto del mondo profiles, up to €100,000 for USA/Canada profile, per insured per claim per policy period. If the insured does not contact the Organisational Structure in advance, reimbursement is limited to: €2,500 for transport to hospital, €150 for urgent dental care following accident, €1,000 for all other medical/hospital expenses; all subject to a €50 deductible. Coverage valid for up to 120 cumulative inpatient days.
Emergency medical treatment during travel
Covered
Urgent medical treatment and surgical interventions that cannot be deferred, received during travel within the policy validity period. Covered under the medical expenses section with direct payment up to €50,000 (Europa/Resto del mondo) or €100,000 (USA/Canada) per insured per claim, subject to prior authorisation of the Organisational Structure.
Hospitalization during travel
Covered
Hospital stays (including day hospital) during travel are covered under the medical expenses section. Direct payment up to the applicable profile maximum (€50,000 Europa/Resto del mondo, €100,000 USA/Canada) for up to 120 cumulative inpatient days. Coverage is guaranteed until discharge or until the insured is fit for repatriation according to the company's doctors.
Outpatient treatment during travel
Covered
Outpatient medical consultations and treatments during travel are covered under the medical expenses section, subject to the applicable profile maximum (€50,000 or €100,000) with direct payment. In reimbursement mode (without prior authorisation), all other medical/hospital expenses excluding transport and dental are subject to a €1,000 sub-limit and a €50 deductible. For injuries occurring during travel, diagnostic tests and medical visits performed within 30 days of return to Italy are also covered under the reimbursement sub-limit.
Emergency dental treatment following injury during travel
Covered
Reimbursement up to €150 for urgent dental treatment, but only following an accident (injury) during travel. Regular dental care and dental treatment due to illness are excluded. This sub-limit applies in the reimbursement channel (without prior authorisation). Under direct payment mode, dental emergencies following injury are covered up to the overall profile maximum subject to authorisation.
Medical transport to hospital
Covered
Transport from the place of the event to the hospital/care facility is covered up to €2,500 under the reimbursement channel (without prior authorisation). Under the direct payment channel with prior authorisation, the Organisational Structure organises and covers the cost of sending a doctor or ambulance as part of the assistance service.
Medical evacuation and sanitary repatriation
Covered
When recommended by the Organisational Structure's medical service, following clinical assessment and in agreement with the treating physician, the Organisational Structure arranges: transfer to the nearest suitable medical facility; or sanitary repatriation to Italy (to the insured's residence or a suitable medical facility) if conditions permit. All transport costs are borne by the company using the most appropriate means (medical aircraft exclusively for return to Italy, scheduled aircraft with stretcher if necessary, first-class train with sleeper if needed, ambulance without mileage limit, or other transport). Excluded if the insured's condition can be treated locally or does not prevent continuation of travel, if transport would violate health regulations, or if the insured/family voluntarily discharge against medical advice.
Search and rescue expenses
Excluded
Search and rescue expenses (sea, lake, mountain, desert) are explicitly excluded from the policy. The common exclusions clause states that expenses for searching for the insured at sea, lake, mountain or desert are excluded.
COVID-19 / Pandemic treatment
Conditional
Coverage for treatment of pandemic diseases (including COVID-19) is conditional. Coverage is excluded if the WHO-declared pandemic is of sufficient gravity and virulence to cause high mortality or require restrictive measures to reduce transmission to the civilian population. However, if an insured person is individually infected with a declared pandemic disease while travelling, they are covered for medical treatment. Travel to a destination subject to a quarantine in force or declared during the trip is also excluded.
Pre-existing medical conditions
Conditional
The policy does not explicitly exclude or include pre-existing conditions as a general rule. However, the policy excludes mental illness, schizophrenia, manic-depressive disorders, psychosis, and major depression in acute phase. Pathological states dependent on pregnancy beyond the 26th week of gestation and puerperium are also excluded. Chronic conditions that become acute during travel may be covered under the medical expenses benefit if treatment is urgent and non-deferrable. No general pre-existing condition exclusion clause was found, but coverage is for urgent and non-deferrable treatments only.
Winter sports coverage
Conditional
Winter sports are not explicitly listed as excluded or included. However, extreme sports practiced outside organized sports structures and without required safety criteria (e.g. bungee jumping, kitesurfing) are excluded. Standard winter sports practiced within organized structures with appropriate safety measures would generally fall under the standard medical expenses coverage for injuries. Professional sports or sports with direct/indirect remuneration are excluded.
Adventure and extreme sports coverage
Excluded
Aerial sports and extreme sports in general (including but not limited to bungee jumping and kitesurfing) are explicitly excluded when practiced outside organized sports structures and without the required safety criteria. Professional sports or sports involving any direct or indirect remuneration are also excluded.
Pregnancy complications
Excluded
The policy explicitly excludes: natural childbirth or caesarean section; pathological states dependent on pregnancy beyond the 26th week of gestation and puerperium; voluntary termination of pregnancy. Pregnancy-related medical emergencies occurring before the 26th week of gestation may be covered under the general medical expenses benefit if urgent and non-deferrable treatment is required.
Personal liability abroad
Not offered
Personal liability coverage is not mentioned in the policy documents. The Clic&Parti product covers only medical expenses and travel assistance; no personal liability section is included.
Legal assistance abroad
Not offered
Legal assistance abroad is not mentioned in the policy documents. The Clic&Parti product covers only medical expenses and travel assistance; no legal assistance section is included.
24/7 travel assistance
Covered
The Organisational Structure (AXA Assistance / Inter Partner Assistance S.A.) is available 24 hours a day, 7 days a week, via telephone +39 06 42 115 741 (international calls from abroad). Services include: telephone medical consultation for sudden emergencies; dispatch of a doctor or ambulance; referral to a specialist physician; return travel for other insured persons (max €1,500 Europa, €2,000 Resto del mondo/USA/Canada); travel of a family member in case of hospitalisation >7 days (max €260 total, €52/day); extended stay coverage for hotel expenses (max 10 nights, €1,000 limit); medical transfer and sanitary repatriation.
Key conditions
Assistance call deadline
For all benefits except the medical expenses reimbursement channel, the insured must contact the Organisational Structure (AXA Assistance) immediately and in advance of receiving treatment (tel. +39 06 42 115 741, 24/7). For the reimbursement channel, the company must be notified within 30 days of returning to Italy. Without any contact with the Organisational Structure, no reimbursement is possible.
Unauthorized treatment
If the insured acts without prior authorisation from the Organisational Structure, only reimbursement at reduced sub-limits is available: max €2,500 for transport to hospital, max €150 for urgent dental care following an accident, max €1,000 for all other medical/hospital expenses; subject to a €50 deductible per claim. If the insured refuses medical transport/repatriation, the company immediately suspends assistance and coverage of further medical expenses from the day following the refusal.
Purchase while abroad
The policy can only be purchased before departure (coverage starts from the time and date of premium payment). There is no provision for purchasing the policy while already abroad.
Chronic conditions
The policy does not include a general exclusion for chronic diseases. Coverage applies to urgent and non-deferrable medical treatments received during travel. However, mental illness, schizophrenia, manic-depressive disorders, psychosis, and major depression in acute phase are excluded. Rehabilitation treatments and physiotherapy are also excluded.
Pregnancy
Natural childbirth or caesarean section is excluded. Pathological states dependent on pregnancy beyond the 26th week of gestation and puerperium are excluded. Voluntary termination of pregnancy is excluded. Pregnancy complications requiring urgent treatment before the 26th week may be covered under the general medical expenses benefit.
pre_existing_conditions
There is no explicit general exclusion for pre-existing conditions. Coverage is limited to urgent and non-deferrable treatments during travel. Specific exclusions apply to mental illness, manic-depressive disorders, psychosis, major depression in acute phase, congenital defects, aesthetic treatments, and rehabilitation. Pre-existing stable conditions that require urgent treatment during travel may be covered.
coverage_duration_limit
The policy has a temporary duration formula. Coverage for each single trip has a minimum of 2 days and a maximum of 30 days calculated from the start date indicated in the policy. Coverage begins at the time and date of premium payment and is operative until the insured's return to Italy or until midnight on the expiry date (Italian time), with no possibility of extension. Coverage is suspended upon return to Italy. The medical expenses direct payment guarantee is operative for a maximum of 120 cumulative inpatient days.
Where to buy
Policy specifics
Medical expenses limit
Maximum reimbursement for medical and hospital expenses varies by profile (Europa, Resto del mondo, USA/Canada)
Repatriation and medical evacuation
Coverage for emergency medical transport and repatriation in case of serious medical conditions during travel
Emergency medical telephone consultation
24/7 medical telephone consultation service available during travel for urgent medical advice
Trip duration limits
Minimum 2 days and maximum 30 days per single trip; coverage suspended upon return to Italy
Geographic coverage exclusions
Excludes countries in state of belligerency or war; specific countries excluded by policy: Iran, North Korea, Sudan, Syria, Belarus, Cuba, Democratic Republic of Congo, Somalia, South Sudan, Zimbabwe
Family member travel in case of hospitalization
Coverage for travel costs of a family member if insured requires hospitalization during trip
Prior authorization requirement
Insured must obtain prior approval from Medical Assistance Service before certain procedures; failure to obtain authorization may result in limited reimbursement or denial of claims
Pre-existing medical condition disclosure
Insured must declare all pre-existing medical conditions; failure to disclose may result in claim denial or reduction
Pandemic exclusion conditions
Coverage excludes trips undertaken with intent to receive medical treatment and certain travel-related pandemic exclusions with specific criteria
Mandatory organizational structure contact
Insured must contact organizational structure (AXA Assistance) within specified timeframes for emergency medical situations and hospitalizations
Non-emergency evacuation services
Coverage available for non-medical crises such as political unrest requiring evacuation or repatriation