HOLINS Travel insurance (Holins Viaggio Singolo Medico Bagaglio Annullamento)

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 (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 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 and ambulatory care costs are covered within the overall emergency medical expenses limit under Art. A.14; no separate outpatient sub-limit is stated.

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).

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.

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.

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.

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).

'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 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 and skiing (sports invernali, sci, water-skiing, skidoo and related activities) are explicitly excluded from cover under Art. 10(b).

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-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).

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.

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.