Bene Assicurazioni Travel insurance (Bene Viaggi)
Underwritten by Bene Assicurazioni S.p.A. Società Benefit · Italy
travel insurance from Bene Assicurazioni for the Italy market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-04-01Sources
Key facts
- Medical transport up to €5,000
Unique selling points
Two flexible packages — Parti Bene (medical expenses + assistance, with optional legal protection and accident cover) and Parti Benissimo (full protection including cancellation, civil liability, baggage and legal protection) — let travellers scale cover to their needs.
24/7 multilingual Operations Centre with direct payment of hospital and surgical costs abroad, removing the need for the traveller to pay upfront and claim reimbursement later.
COVID-19 illness remains explicitly covered under the medical expenses guarantee.
Post-trip medical cover extends to accident-related expenses incurred in Italy for up to 60 days after returning home.
Digital self-service 'Home Insurance' area lets customers view their policy status and manage the contract online after purchase.
Coverage limits
Emergency medical expenses reimbursement
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.
Section: CAPITOLO 1 – RIMBORSO SPESE MEDICHE DI EMERGENZA > LIMITI DI COPERTURA > Art. 1.3 – Somme Assicurate
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.
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.
Section: CAPITOLO 1 – RIMBORSO SPESE MEDICHE DI EMERGENZA > COSA ASSICURIAMO > Art. 1.1
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.
Hospitalization expenses
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.
Section: CAPITOLO 1 – RIMBORSO SPESE MEDICHE DI EMERGENZA > COSA ASSICURIAMO > Art. 1.1
le spese mediche di emergenza (cure, spese di ricovero ospedaliero, spese farmaceutiche, parcelle professionali, spese di ambulanza, spese odontoiatriche, fisioterapiche) sostenute durante il Viaggio.
Outpatient / ambulatory treatment
Covered
Outpatient/ambulatory medical visits abroad are covered within the medical expenses sum insured; direct payment by the Operations Centre includes ambulatory visits.
Emergency dental expenses
€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).
Section: CAPITOLO 1 – RIMBORSO SPESE MEDICHE DI EMERGENZA > LIMITI DI COPERTURA > Art. 1.3
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)
Medical transport to better-equipped facility
€5K
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.
Section: CAPITOLO 2 – ASSISTENZA > LIMITI DI COPERTURA > Art. 2.4
punto 4 dell’Art. 2.1: fino a 5.000 euro
Medical repatriation / 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).
Section: CAPITOLO 2 – ASSISTENZA > LIMITI DI COPERTURA > Art. 2.4
La garanzia ASSISTENZA opera senza limite di costo, per singolo Assicurato nel periodo assicurativo, salvo che per le seguenti prestazioni:
Repatriation of mortal remains
€5K
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.
Section: CAPITOLO 2 – ASSISTENZA > LIMITI DI COPERTURA > Art. 2.4
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
Search and rescue
No limit stated
No dedicated search-and-rescue guarantee is described in the policy documentation.
COVID-19 medical 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.
Section: ESCLUSIONI COMUNI A TUTTE LE GARANZIE > Art. 21 – Eventi esclusi
epidemie o pandemia (dichiarata da OMS), salvo il caso di covid;
Pre-existing/chronic 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.
Section: ESCLUSIONI COMUNI A TUTTE LE GARANZIE > Art. 20 – Condizioni dell’Assicurato escluse
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;
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.
Adventure/extreme 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.
Section: ESCLUSIONI COMUNI A TUTTE LE GARANZIE > Art. 19 - Attività escluse
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
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.
Section: ESCLUSIONI COMUNI A TUTTE LE GARANZIE > Art. 20 – Condizioni dell’Assicurato escluse
patologie della gravidanza oltre le 24 settimane, interruzione volontaria della gravidanza, fecondazione assistita e loro complicazioni;
Personal (third-party) 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.
Section: CAPITOLO 4 – RESPONSABILITA' CIVILE > COSA ASSICURIAMO > Art. 4.1
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
Legal assistance / legal protection
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.
Section: CAPITOLO 3 – TUTELA LEGALE > COSA ASSICURIAMO > Art. 3.1
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)
24/7 travel assistance hotline
Covered
A round-the-clock Operations Centre (run by IMA Servizi S.c.a.r.l., toll-free 800.32.76.05, from abroad +39/02/24128391) coordinates medical assistance, transport, interpreters, cash advances and message relay; prior authorization from this centre is generally required to access benefits.
Section: GLOSSARIO
Centrale Operativa di Assistenza: la struttura costituita da tecnici ed operatori, facente capo alla Società IMA Servizi S.c.a.r.l., in funzione 24 ore su 24 tutti i giorni dell'anno, che provvede al contatto telefonico con l'Assicurato
Key conditions
Assistance call deadline
For medical expense claims, the insured must contact the 24/7 Operations Centre (tel. 800.32.76.05, from abroad +39/02/24128391) before receiving hospital/surgical treatment, unless proven impossible beforehand; written claims must then be filed within 10 days of becoming aware of the event (5 days for the Accident guarantee), Civil Liability claims within 5 days, and Trip Cancellation claims within 5 days but never later than 24 hours after the scheduled departure.
Unauthorized treatment
Benefits requested without prior authorization from the Operations Centre are excluded from cover, unless the insured proves it was objectively impossible to make contact in advance; where the insured refuses the recommended repatriation, Bene suspends assistance and reimburses further hospital costs only up to the cost of the refused transport.
Purchase while abroad
The policy cannot be purchased once the trip has already started; it must be taken out for the entire duration of the trip and before departure from the insured's habitual residence in Italy, San Marino or Vatican City.
Chronic conditions
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 cover under every guarantee.
Pregnancy
Pregnancy pathologies beyond the 24th week, voluntary termination of pregnancy, assisted fertilization and related complications are excluded from medical cover; earlier-stage pregnancy complications may be covered as ordinary illness.
Pre-existing condition exclusions
Cover is subordinate to the health of the insured (and of other persons on whose health the trip depends); no cover is provided for medical/health issues that existed before the guarantee's inception.
Coverage duration limit
Maximum covered trip duration is 90 consecutive days. Persons over 70 cannot be insured if the trip lasts more than 30 days, and persons over 75 cannot be insured for any trip duration.
Direct payment
With prior authorisation, the 24/7 Operations Centre (IMA) pays hospital and surgical costs directly to the provider; otherwise emergency medical expenses are reimbursed after the trip, net of a €100 deductible.
Territorial scope
Cover is valid in the country or group of countries where the trip takes place as indicated in the policy, provided the trip began from the territory of the Italian Republic, the Republic of San Marino, or Vatican City. North Korea and Syria are always excluded.
Documents
Set Informativo Bene Viaggi - DIP, DIP Aggiuntivo & General T&Cs (Edition 04/2025) (opens in a new tab)
Terms & conditions · PDF
DIP - Precontractual Information Document (embedded in Set Informativo) (opens in a new tab)
Product information sheet · PDF
Set Informativo Bene Viaggi (Edition 11/2023, superseded) (opens in a new tab)
Terms & conditions · PDF
Bene Assicurazioni product catalogue (opens in a new tab)
Other document · PDF
Policy specifics
Trip cancellation
Reimbursement of trip costs in case of unforeseen cancellation events
SourceSection: Le garanzie di Bene Viaggi > Annullo
Ti rimborsiamo le penali previste per l’annullamento del viaggio in caso di:
Emergency medical expenses abroad
Not established from the insurer's documents
Coverage for unexpected medical expenses incurred abroad during travel
SourceThird-party source, not the insurer's documentPage 2Section: Assicurazione Multirischi Viaggi > Che cosa è assicurato? > Capitolo 1 – Rimborso Spese Mediche di Emergenza
In caso di infortunio o malattia non prevedibile, sono rimborsate le spese mediche di emergenza.
Quarantine and lockdown coverage
Reimbursement of costs during mandatory quarantine or lockdown, including accommodation, meals, and return travel
SourceSection: Le garanzie di Bene Viaggi > Fermo sanitario o amministrativo
Fermo Sanitario. Rimborsiamo i costi sostenuti durante la permanenza forzata, come vitto e alloggio, e i titoli di viaggio per il rientro in Italia, se non utilizzabili;
Baggage and valuables coverage
Reimbursement for loss, theft, or damage to baggage and valuables during travel
SourceSection: Le garanzie di Bene Viaggi > Bagaglio
Ti rimborsiamo se il bagaglio o il suo contenuto subisce danni a causa di: Incendio; Furto, rapina o scippo; Danni o smarrimento da parte del vettore.
24/7 travel assistance services
Not established from the insurer's documents
Round-the-clock emergency assistance including medical consultation, ambulance dispatch, interpreter services, and travel-related support
SourceThird-party source, not the insurer's documentPage 2Section: Assicurazione Multirischi Viaggi > Che cosa è assicurato? > Capitolo 2 – Assistenza
In caso di difficoltà durante il Viaggio, è prestata l'Assistenza in caso di infortunio o malattia, decesso o pericolo di vita di un familiare, anticipo cauzione o interprete a disposizione in caso di fatto colposo dell'Assicurato, anticipazione di denaro in caso di spese impreviste, trasmissione di messaggi urgenti.
Civil liability for damages
Coverage for accidental damages or injuries caused to third parties during travel, including damage to persons, property, and animals
SourceClause Art. 4.1Page Pagina 17 di 34Section: CAPITOLO 4 – RESPONSABILITA' CIVILE > COSA ASSICURIAMO > Art. 4.1
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
Accident and permanent invalidity coverage
Indemnification for permanent invalidity or death resulting from accidents during travel
SourceSection: Le garanzie di Bene Viaggi > Infortuni
In caso di infortunio durante il viaggio, offriamo un indennizzo a: Eredi se l’assicurato muore; Assicurato in caso di invalidità permanente.
Geographic exclusions
Not established from the insurer's documents
Certain countries are always excluded from coverage regardless of package selection
SourceThird-party source, not the insurer's documentPage 3Section: Dove vale la copertura?
Sono sempre esclusi Corea del Nord e Siria.
Trip origin requirement
Not established from the insurer's documents
Insurance is valid only for trips that originate from specific territories
SourceThird-party source, not the insurer's documentPage 3Section: Dove vale la copertura?
L'assicurazione è valida nel Paese o nel Gruppo di Paesi dove si effettua il viaggio come indicati in Polizza (purché il Viaggio abbia avuto inizio dal territorio della Repubblica Italiana, o dalla Repubblica di San Marino, o dalla Città del Vaticano).
Maximum trip duration
Policy has a maximum coverage period for a single trip
SourceSection: Polizza Bene Viaggi: paga in una sola rata
la polizza Bene Viaggi ti protegge per il periodo di viaggio indicato, che prevede un massimo di 90 giorni.
Central operations authorization requirement
Not established from the insurer's documents
Medical assistance and other services require prior authorization from the insurance company's central operations center
SourceThird-party source, not the insurer's documentPage Pagina 6 di 17Section: Capitolo 1 – Rimborso Spese Mediche di Emergenza
le prestazioni di cui all'Art. 1.1 senza la preventiva autorizzazione della Centrale Operativa di Assistenza, salvo il caso di comprovata impossibilità a contattare la Centrale Operativa di Assistenza.
Premium payment timing
Not established from the insurer's documents
Premium must be paid at the time of policy inception
SourceThird-party source, not the insurer's documentPage 3Section: Quando e come devo pagare?
Il Premio deve essere pagato all'atto di stipula della polizza.
No tacit renewal policy
Not established from the insurer's documents
Policy automatically expires without automatic renewal
SourceThird-party source, not the insurer's documentPage 3Section: Come posso disdire la polizza?
La polizza è emessa senza tacito rinnovo e cessa di ogni effetto alla data di scadenza indicata in Polizza senza la necessità del Contraente o della Società di dare alcuna comunicazione preventiva.
Insurance claim procedures
Not established from the insurer's documents
Specific procedures required for claiming coverage and reimbursements
SourceThird-party source, not the insurer's documentPage 3Section: Che obblighi ho?
In caso di sinistro si deve fare la denuncia immediatamente secondo le modalità previste nelle Condizioni Generali di Assicurazione, ed attivarsi per limitare lo stesso.
Sources
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-parti-bene.pdf#page=2(opens in a new tab)
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- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-parti-bene.pdf#page=9(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=19(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=27(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=37(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=38(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=39(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=40(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=43(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=44(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=46(opens in a new tab)
- bene.ithttps://www.bene.it/assets/Set_Informativo_Assicurazione_Viaggio_Bene-Viaggi_Edizione_04_2025.pdf#page=48(opens in a new tab)
- bene.ithttps://www.bene.it/faq/pagamento-a-rate/(opens in a new tab)
- bene.ithttps://www.bene.it/viaggi/(opens in a new tab)
Bene Assicurazioni Travel insurance