Genertel S.p.A.

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.

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.

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, through the Europ Assistance operations center (doctors, technicians and operators active 24 hours a day, every day of the year), provides travel assistance services (medical repatriation, travel for a family member, early return, interpreter abroad) when the insured is in difficulty, contactable via a toll-free number available also from abroad.