Insurance Travel S.r.l. (trading as Holins)
HOLINS
HOLINS is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For hospital stays exceeding 24 hours, the Company can settle hospitalization costs directly in local currency at the request of the insured, subject to the treating facility's acceptance and prior authorization from the 24/7 Operations Centre.
Geographic scope
Italy, Europe/Mediterranean, Worldwide excluding USA/Canada, or Worldwide including USA/Canada (selected by the policyholder at purchase)
Cover applies to the geographic area selected by the policyholder at purchase (Italy / Europe-Mediterranean / Worldwide excluding USA-Canada / Worldwide including USA-Canada), as indicated on the Insurance Certificate.
Unique selling points
- Prestige tier offers up to €10,000,000 in emergency medical expense cover abroad, with no deductible applied.
- Includes a dedicated 'Cover Stay' guarantee reimbursing up to €10,000 per travel file for costs incurred during a mandatory health hold or quarantine abroad, flat across all tiers.
- 24-hour multilingual Operations Centre organizes and directly settles hospital costs for stays exceeding 24 hours, subject to prior authorization.
- Personal liability cover up to €1,000,000 and legal expense cover up to €30,000 are included in the top Prestige tier.
Coverage limits
Emergency medical expenses abroad
€1,000,000 – €10,000,000
Reimbursement of emergency medical expenses incurred abroad, tiered by plan: €1,000,000 (Base), €2,000,000 (Plus), €10,000,000 (Prestige) per insured per insurance period; for insureds who have already turned 71, the limit is capped at €100,000 for claims caused by pre-existing degenerative conditions and their complications, regardless of the tier selected. A separate limit applies for medical expenses incurred in Italy: €5,000 (Base), €10,000 (Plus), €15,000 (Prestige).
Emergency medical treatment
€1,000,000 – €10,000,000
Emergency medical treatment (consultations, hospitalization, pharmaceuticals, professional fees) is covered under Art. A.14 'Spese Mediche di emergenza' using the same tiered limits as the overall emergency medical expenses guarantee (€1,000,000/€2,000,000/€10,000,000 abroad).
Hospitalization
Covered
Hospitalization costs are covered as part of the overall emergency medical expenses limit under Art. A.14; no separate hospitalization sub-limit is stated. Single-room costs are excluded unless medically required.
Outpatient treatment
Covered
Outpatient and ambulatory care costs are covered within the overall emergency medical expenses limit under Art. A.14; no separate outpatient sub-limit is stated.
Emergency dental care
€300
Reimbursement of urgent dental treatment costs (dressing, filling, root canal treatment, extraction) up to €300 per person per insurance period, flat across all tiers, net of the applicable deductible (€100 Base, €50 Plus, none Prestige).
Medical transport to a care facility
Covered
Transport of the insured to the most suitable hospital facility (Art. A.4) is organized and paid for by the Company at actual cost, with no monetary cap stated.
Medical evacuation / repatriation
Covered
Medically necessary repatriation of the insured to their residence or a suitably equipped hospital in Italy (Art. A.5) is organized and paid for at actual cost, including medical or nursing escort if required, with no monetary cap stated.
Repatriation of mortal remains
€3,000
In case of death abroad, transport of the remains to the place of burial in Italy (Art. A.6) is organized at the Company's expense with no cap stated; a separate sub-limit of €3,000 applies for funeral expenses (initial preservation, administrative costs, first coffin) for trips abroad, excluding burial/funeral ceremony costs.
Search, rescue and salvage expenses
€7,000
Reimbursement or direct payment of search, rescue (including sled) and salvage (including helicopter) expenses following the disappearance or injury of the insured, up to €2,000 per insured and €7,000 per claim event (Art. A.20).
Health hold / quarantine cover (Cover Stay)
€10,000
'Cover Stay' guarantee (Sezione M): reimburses essential additional accommodation and subsistence costs and return travel costs if the insured is placed under a mandatory health hold or declared quarantine by the authorities, up to €2,500 per insured and €10,000 per travel file, flat across all tiers, with no deductible.
Pre-existing medical conditions
Excluded
Pre-existing medical conditions are generally excluded: any illness or injury that was the subject of medical consultation, examination, treatment, hospitalization or prescribed medication in the 24 months preceding policy issuance is not covered (Art. 11a and Definizioni). Exception: for insureds aged 71 or older, claims caused by pre-existing degenerative conditions and their complications are covered up to €100,000 regardless of the tier's overall medical limit.
Winter sports cover
Excluded
Winter sports and skiing (sports invernali, sci, water-skiing, skidoo and related activities) are explicitly excluded from cover under Art. 10(b).
Adventure/amateur sports cover
Conditional
Certain recreational sports are covered if practiced non-competitively, non-professionally and under qualified instruction (Art. 10a) — e.g. diving up to 30m, indoor climbing, whitewater rafting up to grade 4, trekking below 4,000m. Higher-risk activities (mountaineering, free climbing, bungee jumping, paragliding, parachuting, motor sports, etc.) are entirely excluded under Art. 10(b).
Pregnancy complications
Conditional
Pregnancy-related pathologies are covered only up to the completed sixth month of gestation; complications beyond the sixth month, voluntary termination of pregnancy, non-premature childbirth, assisted reproduction and related complications are excluded (Art. 11c).
Personal (third-party) liability
€500,000 – €1,000,000
Third-party liability cover for accidental death, personal injury or property damage caused involuntarily to third parties during the insured trip: €500,000 (Base), €750,000 (Plus), €1,000,000 (Prestige), subject to a deductible of €360 or 10% of the claim, whichever is higher.
Legal expenses assistance
€10,000 – €30,000
Reimbursement of legal fees and court costs incurred in pursuing compensation claims for death, illness or injury covered by the policy: €10,000 (Base), €15,000 (Plus), €30,000 (Prestige), subject to a deductible of €360 or 10% of the claim, whichever is higher (Sezione D). Separately, legal defence assistance abroad (Art. A.15) is covered up to €3,000 flat across all tiers, and criminal bail bond advance (Art. A.17) up to €15,000 flat across all tiers.
24/7 assistance operations centre
Covered
A 24-hour, every-day-of-the-year Operations Centre organizes and provides the medical, logistical and legal assistance services described in Sezione A; prior contact with the Centre is required to activate benefits, failing which the right to assistance may be forfeited (Art. 1915 Civil Code).
Key conditions
Assistance call deadline
The insured (or a family member, travel companion, or the treating medical authority/facility) must immediately contact the 24/7 Operations Centre to activate Sezione A assistance benefits before taking any personal initiative; failure to do so may result in forfeiture of the right to benefits (Art. 1915 Civil Code).
Unauthorized treatment
Direct organization of assistance services, or organization without prior authorization from the Operations Centre, is excluded from cover, except where prior contact was objectively impossible.
Purchase while abroad
The policy can only be purchased by persons resident in Italy and must be issued before departure, covering the entire trip; it cannot be taken out once the trip has already begun or for a trip departing from a place other than the insured's residence in Italy.
Chronic conditions
Pre-existing/chronic medical conditions are excluded from all cover; travel undertaken against medical advice, to receive medical treatment, or while on a waiting list for hospitalization or awaiting clinical test results is also excluded.
Pregnancy
Pregnancy-related pathologies beyond the completed sixth month, voluntary termination of pregnancy, non-premature childbirth, assisted reproduction and related complications are excluded from cover.
Pre-existing condition exclusions
Any medical condition (illness or injury) that was the subject of medical consultation, examination, treatment, hospitalization or prescribed medication in the 24 months preceding policy issuance is excluded from cover.
Coverage duration limit
Cover applies for the duration of the trip up to a maximum of 180 days from the policy's effective date; benefits for claims occurring after this 180-day threshold are not due, and the premium remains unchanged regardless.
Documents
Insurance Conditions - HOLINS Single Trip Insurance (incl. Guarantee Table Annex 1)
Terms & conditions
Policy specifics
Flight cancellation and travel interruption
Coverage for cancellation or interruption of travel due to specified causes
SourceBaggage loss and delay
Not established from the insurer's documents
Indemnity for lost, damaged, or delayed baggage; reimbursement for emergency purchases if baggage delayed over 12 hours
SourceThird-party source, not the insurer's documentMedical repatriation
Organization and cost coverage of medical repatriation to Italy for treatment or convalescence when necessary
SourcePre-existing medical conditions exclusion
Medical conditions diagnosed or treated within 24 months prior to policy issuance are excluded from coverage
SourceCentral authorization requirement
Many medical and assistance services require advance authorization from the operating central before provision
SourceItaly residency requirement
Policy is available only to persons with residence in Italy; travel must begin and end in Italian territory
SourceMaximum trip duration
Not established from the insurer's documents
Policy validity is limited to the actual travel duration with maximum of 60 days from policy start date
SourceThird-party source, not the insurer's documentNo tacit renewal
Policy does not automatically renew; new policy must be explicitly purchased for subsequent trips
SourceExclusion for high-risk countries
Coverage does not apply to travel to countries discouraged by Italian Ministry of Foreign Affairs
Source