Helvetia Swiss Insurance Company Ltd – General Representative Office and Management for Italy (Helvetia Compagnia Svizzera d'Assicurazioni SA)
Helvetia
Helvetia is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
By contacting the 24/7 Organizational Structure in advance, the insured can avoid paying authorized, non-postponable medical/hospital expenses upfront, as Helvetia pays the healthcare facility directly; if the Structure is not contacted in advance, expenses are reimbursed afterwards against supporting documentation.
Geographic scope
Italy, Europe, World (excluding USA/Canada/Caribbean), and USA/Canada/Caribbean as a separate coverage area
Italy: territory of the Italian Republic, San Marino, Vatican City. Europe: Italy and geographical European countries plus the Mediterranean basin. World: excludes USA, Canada, Caribbean, which form a separate area.
Unique selling points
- 24/7 ALL RISKS & Lifestyle assistance reachable anywhere in the world by a single phone call, for any fortuitous need during the trip.
- Direct payment of authorized medical/hospital expenses with no advance payment by the traveler when the Organizational Structure is contacted beforehand.
- Designed to insure a whole family or group of up to 6 friends under a single modular policy.
- Fully online purchase in just a few clicks, available even on the day of departure.
- WHO-declared pandemic events remain covered under nearly all guarantees, with only the Trip Cancellation guarantee excluded.
Coverage limits
Medical expenses in travel
Covered
Reimburses necessary, non-postponable medical expenses due to accident or illness during the trip, paid directly to the healthcare facility with no advance payment if the Organizational Structure is contacted beforehand. Included in both Basic and Premium formulas; the exact monetary limit is not disclosed in the accessible source excerpts.
Emergency medical treatment
Covered
Direct payment of non-postponable hospital and surgical medical expenses abroad, avoiding advance payment by the traveler.
Hospitalization expenses
Covered
Hospital and surgical expenses are covered within the medical expenses guarantee, with direct payment when authorized in advance.
Outpatient treatment
No limit stated
Not separately detailed in the accessible source excerpts.
Emergency dental care
No limit stated
Not mentioned in the accessible source excerpts.
Medical transport
Covered
Part of the 24/7 ALL RISKS travel assistance service; includes dispatch of a doctor or ambulance when needed during the trip.
Medical evacuation / repatriation
Covered
The 24/7 assistance service organizes sanitary repatriation and transfer to other healthcare facilities when medically necessary; monetary limit not disclosed in accessible excerpts.
Repatriation of remains
No limit stated
Not explicitly found in the accessible source excerpts.
Search and rescue expenses
Covered
Only in Premium
The modular OK Travel policy includes reimbursement of search and rescue expenses among its covered benefits; monetary limit not disclosed in accessible excerpts.
COVID-19 / pandemic treatment
Covered
WHO-declared pandemic events remain covered under all guarantees, with the sole exception of the Trip Cancellation guarantee.
Pre-existing conditions
Excluded
Under the Medical Expenses in Travel section, benefits are not due for illnesses that are the expression or direct consequence of chronic or pre-existing pathological conditions.
Winter sports cover
No limit stated
Not detailed with specific limits in the accessible source excerpts.
Adventure / extreme sports cover
Conditional
Air sports in general are always excluded; extreme sports are excluded only when practiced outside recognized sports organizations, and any sport practiced professionally or for direct/indirect remuneration is excluded.
Personal / third-party liability
Optional
Only in Premium
Optional guarantee (Premium formula) that indemnifies the insured for amounts owed to a third party for unintentional damage caused during the trip.
24/7 travel assistance
Covered
ALL RISKS & Lifestyle travel assistance reachable by phone anywhere, anytime, for any need, operating on a fortuitous/unforeseeable event principle.
Key conditions
Assistance call deadline
To benefit from direct payment of medical expenses with no advance payment, the insured must contact the 24/7 Organizational Structure before receiving treatment.
Unauthorized treatment
If the Organizational Structure is not contacted in advance, expenses are still reimbursable without prior authorization, but only within the applicable sub-limits and upon presentation of suitable clinical and fiscal documentation.
Purchase while abroad
Not specified in the accessible source excerpts; the policy can be purchased online up to the day of departure.
Chronic conditions
Benefits under the Medical Expenses in Travel guarantee are excluded for illnesses that are the expression or direct consequence of chronic pathological conditions.
Pregnancy
Not specified in the accessible source excerpts.
Pre-existing condition exclusions
Benefits are excluded for illnesses that are the expression or direct consequence of pre-existing pathological conditions.
Coverage duration limit
The policy has a duration of less than one year with no automatic renewal; it terminates automatically at its natural expiry without any need for cancellation notice.
Policy specifics
Travel assistance
24/7 assistance services for any eventuality during travel, operating on ALL RISKS principle
SourceSource no longer reachableTrip cancellation
Reimbursement of contractual penalties applied by travel operators or airlines for trip cancellation
SourceSource no longer reachableBaggage coverage
Coverage for theft, loss, or delayed delivery of checked baggage during transport
SourceSource no longer reachableGroup travel maximum
Policy covers up to maximum 6 persons traveling together as a family or group of friends
SourceGeographical coverage areas
Coverage defined by geographical areas: Italy, Europe, World (excluding USA/Canada/Caribbean), or USA/Canada/Caribbean
SourceSource no longer reachablePolicy duration
Policy has duration less than one year with no automatic renewal; terminates automatically at natural expiration without cancellation notice requirement
SourceSource no longer reachableDirect payment to service providers
Insured can avoid advance payment of authorized medical expenses; Helvetia pays directly to healthcare facilities
SourceCoverage formulas
Product offers modular formulas: Basic (24/7 assistance only) and Premium (extended optional guarantees)
SourceSources
- https://www.helvetia.com/it/web/it/chi-siamo/blog/articoli-piu-consultati/viaggi/assicurazione-sanitaria-viaggio.html
- https://www.helvetia.com/it/web/it/chi-siamo/blog/articoli-piu-consultati/viaggi/rc-viaggio-helvetiaOkTravel.html
- https://www.helvetia.com/it/web/it/prodotti-e-servizi/assicurazioneviaggi_oktravel.html