Poste Vivere Protetti Travel insurance (Poste Vivere Protetti Viaggi)

Direct payment of urgent, non-deferrable medical/hospital expenses incurred during the trip, provided the Assistance Centre (Poste Welfare Servizi) was contacted beforehand. Under 'Rimborso spese mediche Italia' the direct-payment limit is EUR 1,500. Under 'Rimborso spese mediche Mondo' Poste Assicura pays all actually incurred costs with no monetary limit, capped at 50 days of hospitalisation in Europe/Australia and 120 days in the rest of the world.

If a telephone consultation is not sufficient, the Assistance Centre (Poste Welfare Servizi) sends a general practitioner to the insured or arranges ambulance transfer to the nearest first-aid centre, at no cost to the insured. This service does not replace the official emergency services (118).

Hospital costs are covered under the same direct-payment benefit as medical expenses. Under 'Italia' the limit is EUR 1,500. Under 'Mondo' costs are paid in full with no monetary cap, but for a maximum of 50 days of hospitalisation in Europe/Australia and 120 days in the rest of the world.

Under 'Rimborso spese mediche Mondo', medically prescribed visits, diagnostic tests and ambulatory/first-admission care (including day hospital) are reimbursed, even without prior authorisation, up to EUR 1,500. Under 'Rimborso spese mediche Italia' this type of care falls within the general EUR 1,500 direct-payment cap rather than being a separate line item.

Reimbursed up to EUR 500. Under 'Italia', cover is limited to urgent dental treatment caused by an accident (Infortunio) during the trip, performed within 30 days of returning home. Under 'Mondo', urgent dental treatment occurring during the trip is covered generally, without the injury-only/30-day restriction.

Under 'Mondo', transport from the place of the event to the first-aid/first-admission medical centre is reimbursed (even without prior authorisation) up to EUR 5,000. Under 'Italia', an equivalent transfer is provided as a free in-kind assistance service (ambulance dispatch organised by the Assistance Centre) without a separate stated monetary sub-limit.

Under 'Mondo' the 'Rimpatrio sanitario' benefit is paid at the actual cost necessary, with no monetary ceiling; excluded are conditions that, in the judgement of the Assistance Centre's doctors, can be treated on the spot or do not prevent continuing the trip, and infectious diseases where transport would breach health regulations. Under 'Italia' an equivalent 'Trasferimento sanitario programmato' service is organised by the Assistance Centre using the means it deems most suitable, without a separately disclosed monetary cap.

Under 'Rimborso spese mediche Mondo', if the insured dies during the trip, the Assistance Centre organises repatriation of the body at the actual cost necessary, with no monetary ceiling. This benefit is not separately listed for the 'Rimborso spese mediche Italia' variant.

Search costs for the insured at sea, on a lake, in the mountains or in the desert are excluded from the contract as a whole.

Events deriving from a pandemic declared by the WHO of such severity and virulence as to cause high mortality, or to require restrictive measures to reduce transmission risk to the civilian population, are excluded from medical expense reimbursement.

The only affirmative exclusion found in the current terms states that the scheduled/emergency medical transport benefit under 'Assistenza sanitaria in Viaggio' (Italia) does not cover any expenses for pre-existing conditions. The general medical-expense reimbursement exclusion lists do not separately repeat this exclusion, so its scope beyond the transport benefit is not confirmed by the source text.

Excluded from the whole contract: ski/water-ski jumping, use of sledges (guidoslitta), and aerial sports in general, among other events.

Excluded from the whole contract: motor racing (car, motorcycle, powerboat) and related trials/training, mountaineering with rock climbing or glacier access, boxing, wrestling, rugby, American football, diving, heavy athletics, ice hockey, any sport practised professionally or for remuneration, and extreme sports practised outside sporting organisations without required safety criteria.

Pregnancy-related illness arising during the trip is covered only up to the 26th week of gestation, subject to the general medical expense limits. Excluded in every case: natural childbirth or caesarean section, puerperium, pathological conditions from pregnancy beyond the 26th week, voluntary termination of pregnancy, and (under 'Mondo') assisted-reproduction complications.

The contract's list of always-active and optional covers (medical expenses, travel assistance, roadside assistance, baggage, trip cancellation) does not include a general third-party civil liability module, but no source document affirmatively states that such cover is excluded.

Under 'Mondo', the Assistance Centre (Poste Welfare Servizi) can advance legal-assistance and bail costs abroad. These advances fall within a EUR 10,000 per-claim ceiling shared with several other listed assistance interventions, but the advances for legal costs/bail specifically are further capped at EUR 5,000 per claim and per policy. This is a repayable advance: it is only granted abroad once adequate bank guarantees of repayment are received in Italy, is not available in countries with no Poste Welfare Servizi branch or correspondent, and must be repaid within 30 days of disbursement.