Genertel Travel insurance (Multirischi Viaggi)

In case of accident or sudden illness, Genertel reimburses, up to the sum insured stated in the policy, expenses incurred during hospitalization occurring locally during the trip (medical assistance, treatments, physiotherapy, medicines, diagnostic exams, surgeons' fees, operating theatre rights, therapeutic devices and endoprostheses, and daily hospital rates). Only in case of accident, further expenses incurred within 10 days after returning home are also reimbursed. The exact sum insured is set per individual policy and is not disclosed in the general information set.

Emergency medical assistance and treatment received during hospitalization is covered as part of the hospitalization expense reimbursement; no separate standalone outpatient emergency treatment benefit is described.

Reimbursement, up to the policy sum insured, of hospitalization costs (at least one overnight stay in an authorized medical facility) resulting from an accident or sudden illness occurring during the trip. A fixed deductible of €150 applies to every indemnity under this cover.

Outpatient (non-hospitalization) medical treatment is not described as a covered benefit in the policy documents; cover is limited to expenses incurred during hospitalization.

Emergency dental care is not mentioned as a covered benefit in the policy documents.

Ambulance transport (without mileage limits) may be used as part of the 'Rientro sanitario' (medical repatriation) service organized by Europ Assistance; this is not offered as a separate standalone benefit from medical evacuation.

Where, following an accident or sudden illness, the insured's condition (assessed by Europ Assistance doctors in contact with the local treating physician) requires transport to an equipped hospital in Italy or to the insured's residence, Europ Assistance organizes transport (air ambulance, scheduled airline economy class possibly on a stretcher, first-class train with sleeper if needed, or ambulance with no mileage limit) entirely at Genertel's expense, including medical/nursing assistance if judged necessary. Only available when the event occurs more than 100 km from the insured's home municipality; not due for conditions curable on-site or that do not prevent continuing the trip, nor if it would breach health regulations, nor in case of voluntary discharge against medical advice.

Repatriation of mortal remains is not among the assistance services listed (medical repatriation, family member's travel, early return, interpreter) and is not addressed in the policy documents.

Search and rescue costs are not mentioned as a covered benefit in the policy documents.

COVID-19 is not specifically mentioned in the policy documents; sudden illness cover would apply generally, but no specific COVID-19 clause is stated.

Pre-existing illnesses — i.e. illnesses that are the expression or direct consequence of chronic or pre-existing pathological conditions predating the policy's inception — are excluded from cover.

Accidents arising from mountaineering with rock climbing or access to glaciers, ski or water-ski jumping, and driving/use of sledges are explicitly excluded from cover.

Accidents from aerial sports in general, acts of recklessness, and motor/motorboat/motorcycle racing (and related trials/training), as well as professionally practiced sporting activities, are explicitly excluded.

Pregnancy-related complications are not addressed anywhere in the policy documents.

Genertel indemnifies the insured, up to the sum insured stated in the policy, for amounts they are legally liable to pay as compensation for damage unintentionally caused to third parties during an accidental event occurring on the trip. Excludes liability for goods in the insured's custody, pollution, radioactive substances, hunting, and vehicles/vessels/aircraft subject to compulsory insurance; excludes damage caused with willful intent; does not operate in countries in a state of war. A €150 deductible applies.

Genertel bears, up to €5,000 per trip, the costs of judicial assistance in civil and criminal proceedings (at every stage and level) and out-of-court assistance, to protect the insured's interests regarding compensation for damage they suffered during the trip. Cover relates only to damage arising from third parties' extra-contractual liability. Requests must reach the company within six months of the contract's expiry.