Bene Assicurazioni S.p.A. Benefit Corporation
Bene Assicurazioni
Bene Assicurazioni is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
The premium must be paid in a single instalment at the time the policy is issued; instalment payment is not available for travel policies. Accepted payment methods include bank/cashier's cheque, bank transfer, other electronic payment systems, or cash within the legal limits; for contracts concluded at a distance, only credit card, bank transfer or PayPal are accepted.
Geographic scope
Worldwide, sold in four selectable destination zones: Italy, Europe (all European countries excluding Russia), World excluding USA/Canada, World including USA/Canada
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.
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, unlike the blanket pandemic exclusion many competitors apply.
- 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.
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.
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.
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).
Medical transport to better-equipped facility
€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.
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).
Repatriation of mortal 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.
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.
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.
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.
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.
Personal (third-party) liability
Conditional
Only in Parti Benissimo
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.
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.
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.
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.
Where to buy
Documents
Set Informativo Bene Viaggi - DIP, DIP Aggiuntivo & General T&Cs (Edition 04/2025)
Terms & conditions
DIP - Precontractual Information Document (embedded in Set Informativo)
IPID
Set Informativo Bene Viaggi (Edition 11/2023, superseded)
Terms & conditions
Bene Assicurazioni product catalogue
Other document
Policy specifics
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 documentQuarantine and lockdown coverage
Reimbursement of costs during mandatory quarantine or lockdown, including accommodation, meals, and return travel
SourceBaggage and valuables coverage
Reimbursement for loss, theft, or damage to baggage and valuables during travel
Source24/7 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 documentCivil liability for damages
Coverage for accidental damages or injuries caused to third parties during travel, including damage to persons, property, and animals
SourceAccident and permanent invalidity coverage
Indemnification for permanent invalidity or death resulting from accidents during travel
SourceGeographic 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 documentTrip 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 documentCentral 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 documentPremium 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 documentNo tacit renewal policy
Not established from the insurer's documents
Policy automatically expires without automatic renewal
SourceThird-party source, not the insurer's documentInsurance claim procedures
Not established from the insurer's documents
Specific procedures required for claiming coverage and reimbursements
SourceThird-party source, not the insurer's document