AXA Assistance Travel insurance (Viaggio Singolo Protezione Media)

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.

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.

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.

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.

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.

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

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.

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.

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

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.

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.

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.

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.

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.

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.

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