HDI Assicurazioni S.p.A.
HDI
HDI is a travel insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
The policy provides direct payment of medical expenses incurred during travel, rather than reimbursement after the fact.
Geographic scope
Worldwide
Marketed as protecting travellers anywhere in the world; specific territorial exclusions and zone-based sub-limits are set out in the policy conditions, which were not retrievable from the sources checked.
Unique selling points
- Medical expenses are paid directly by the insurer during the trip rather than requiring the traveller to pay upfront and seek reimbursement.
- The policy is modular, offering three increasing coverage levels so travellers can scale up medical, assistance and baggage limits to their needs.
- A round-the-clock health assistance service is available for the entire duration of the trip.
- The single policy bundles medical assistance, baggage protection and force-majeure trip cancellation cover in one product.
Coverage limits
Medical expenses during travel
Covered
Medical expenses guarantee with direct payment, available in three increasing coverage levels; one third-party source cites a top ceiling of up to €3,000,000 per insured.
Winter sports cover
No limit stated
No mention of winter sports cover was found in the official HDI sources checked.
Adventure sports cover
No limit stated
No mention of adventure sports cover was found in the official HDI sources checked.
Personal liability
No limit stated
No mention of personal liability cover was found in the official HDI sources checked.
Legal assistance
No limit stated
No mention of legal assistance cover was found in the official HDI sources checked.
24-hour health assistance
Covered
The policy includes a 24-hour health assistance service throughout the trip.
Key conditions
Assistance call deadline
Not specified in the available sources.
Unauthorized treatment
Not specified in the available sources.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Not specified in the available sources.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Not specified in the available sources.
Coverage duration limit
Insurable persons are aged 0 to 75 at subscription for a single trip of up to 90 days; for trips of 91 to 180 days the age limit lowers to 60, with a maximum single-trip duration of 180 days.
Policy specifics
Baggage and personal effects protection
Coverage for baggage and personal belongings during travel
SourceThree increasing coverage levels
Product offers three tiers of coverage with varying limits for medical expenses, travel assistance, and baggage
SourceAge eligibility for insureds
Ages 0-75 for single trips up to 90 days; ages 0-60 for trips 91-180 days
Source