Intermundial XXI, S.L.U. (Italian Branch)

€5,000,000 for medical and health care assistance, equally for trips within Italy, Europe or worldwide. Includes emergency medical care, complementary examinations, hospitalisation, surgery and pharmaceutical costs, subject to a €50 deductible on medical expenses claims.

Emergency medical care abroad is covered under the same €5,000,000 medical and health care guarantee, including intervention by emergency medical teams and specialists.

Hospitalisation, treatment and surgical interventions are covered under the overall €5,000,000 medical and health care guarantee; the insurer's obligations end once the insured has returned home or been admitted to a health centre corresponding to their place of residence.

Complementary medical examinations and outpatient treatment for injuries or illnesses not requiring hospitalisation are covered within the overall €5,000,000 medical guarantee, including reimbursement of related pharmaceutical costs.

Up to €300 for urgent dental treatment to relieve pain caused by a gum or dental infection or trauma occurring during the trip.

Unlimited cover for transferring an injured or ill insured person to the nearest clinic, and, if necessary, to a more suitable hospital or back to their home, as decided by the insurer's medical team.

Unlimited cover under the same guarantee as medical transport of ill or injured persons; the means of transport is chosen by the insurer's medical team based on urgency and severity.

Unlimited cover for organising and paying for the transfer of the deceased insured's body to the place of burial in the country of residence; funeral and burial ceremony costs are not included.

Up to €15,000 for search and rescue operations by public or private organisations if the insured has an accident or goes missing within a ski resort or the area designated for alternative tourism activities. Only valid if the 'Alternative Tourism Activities' extension has been purchased; the first €120 is always borne by the insured.

Up to €200 reimbursement for a PCR test if the insured presents COVID-19 symptoms while travelling and a doctor prescribes the test. An additional guarantee covers up to €2,025 (€135/day) for extended accommodation costs due to COVID-19 medical quarantine, capped at the higher of this or the medical-prescription hotel-extension guarantee.

Chronic, pre-existing or congenital conditions and their consequences occurring before the policy took effect are generally excluded. In a life-threatening emergency caused by an unforeseeable complication of such a condition, only the first 24 hours of urgent hospital care after admission are covered.

Winter/snow sports are not among the 'Alternative Tourism Activities' covered by this Premium policy's own extension; dedicated cover for skiing and other winter sports is offered separately under Intermundial's Totalsports/Wintersports products.

Covers incidents during non-adventure 'Alternative Tourism' activities (e.g. running, kayaking, trekking, snorkelling, cycling, hot-air ballooning) when the corresponding paid extension is purchased. Activities above 5,000 metres altitude, air sports (except those listed) and diving below 30 metres are excluded.

Pregnancy and childbirth are excluded, except for unforeseeable complications occurring within the first 24 weeks of gestation, which are covered under the general medical guarantee; complications and births from the seventh month of gestation onward are not covered.

Up to €250,000 for monetary compensation the insured must pay as civil liability for bodily injury or material damage involuntarily caused to third parties, their animals or possessions, including court costs and judicial bonds.

Up to €3,000 advanced if the insured is imprisoned or prosecuted following a traffic accident abroad, against a guarantee of repayment; amounts advanced must be repaid within 30 days.

A dedicated emergency telephone line (+39 0282954961) must be used by the insured to request assistance at any time; only calls made to this number are reimbursed.