Società Reale Mutua di Assicurazioni
Reale Mutua
Reale Mutua is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
Direct payment of medical expenses abroad is available only if the Operations Centre (Blue Assistance) is contacted immediately and, for events abroad, only for hospitalizations with at least one overnight stay; otherwise expenses are reimbursed within 30 days of receiving justified documentation. An advance of up to 60% of the insured sum (max €50,000) can be granted if the treatment estimate is at least €10,000 and there is no dispute over indemnifiability.
Geographic scope
Italy, Europe, or Worldwide, depending on the destination selected on the policy schedule
The insurance is valid for the destination chosen and identified on the policy schedule (Italy/Europe/Worldwide), subject to what is regulated in the individual guarantees
Unique selling points
- Two selectable packages (Persona/Patrimonio), each available at Silver or Gold protection levels, with a lower combined price when both are purchased together.
- Policy can be activated quickly online in a few clicks, in addition to purchase through an agent.
- In-house Blue Assistance Operations Centre available 24/7, with direct payment of medical expenses for hospitalizations abroad of at least one overnight stay.
- On-site interpreter dispatched abroad in case of arrest, hospitalization or theft, at no extra cost up to €500.
- 24/7 telephone veterinary consultation service for pets travelling with the insured.
Coverage limits
Medical expenses reimbursement
Covered
Reale Mutua pays, up to the sum insured indicated on the policy schedule, medical, pharmaceutical and hospital expenses made necessary by an accident or sudden illness during the trip, for urgent non-deferrable care. The exact sum insured is stated on the policy schedule and varies by Silver/Gold protection level.
Emergency medical treatment abroad
Covered
Urgent, non-deferrable medical treatment and interventions received on site during the trip are reimbursed up to the sum insured on the policy schedule; the amount varies by Silver/Gold protection level.
Hospitalization expenses
Covered
Hospital expenses arising from an accident or sudden illness during the trip are covered up to the sum insured on the policy schedule; the amount varies by Silver/Gold protection level. Direct payment for hospitalization abroad requires at least one overnight stay.
Outpatient medical treatment
Covered
Outpatient medical and pharmaceutical expenses for urgent, non-deferrable care during the trip are reimbursed within the sum insured stated on the policy schedule, varying by Silver/Gold protection level. Physiotherapy and follow-up visits after returning home are excluded.
Emergency dental care
€250
Urgent dental care required following a covered accident or illness during the trip is reimbursed up to €250, within the overall medical expenses sum insured. This limit is flat and does not vary by protection level.
Local medical transport (doctor/ambulance dispatch)
Covered
If a medical visit is requested outside the insured's municipality of residence at night, on the eve of a holiday, or on a holiday, the Operations Centre arranges a doctor or, if unavailable, organizes transfer to a healthcare facility by ambulance or other suitable vehicle. No monetary ceiling is stated for this organized service; costs of organization are borne by Reale Mutua.
Medical repatriation / evacuation (Rientro sanitario)
Covered
If, following illness or accident, the insured must be transferred to a healthcare facility near their residence suited to provide specific care, the Operations Centre organizes transport via air ambulance (Europe/Mediterranean only), scheduled flight, ambulance, sleeper train, or other suitable means, with medical/paramedical escort if necessary. No monetary ceiling is stated; costs are borne by Reale Mutua.
Repatriation of remains
Covered
If the insured dies during the trip, the Operations Centre organizes transport of the body to the place of burial after completing all formalities. The cost of formalities, a coffin suitable for transport, and the transport itself are borne by Reale Mutua, with no stated monetary ceiling. Costs of the search for the body, the funeral ceremony and burial remain with the family.
Search and rescue
No limit stated
No search-and-rescue guarantee for a living insured is described in the sources; the only related provision concerns recovery of the body of a deceased insured, which is a family expense, not an insurer-funded rescue service.
COVID-19 treatment
No limit stated
The 2019 edition of the terms and conditions does not mention COVID-19 specifically in any of the provided sources.
Pre-existing conditions
Excluded
Reale Mutua does not reimburse medical expenses consequent to accidents occurring before departure, nor for alterations of health linked to pathological situations pre-existing the departure for the trip.
Winter sports cover
Covered
Recreational winter sports are not listed among the excluded activities; only air sports, professional/competitive sports, and exceptional undertakings (including extreme skiing) are excluded from the Persona section guarantees.
Adventure/extreme sports cover
Excluded
Reale Mutua does not indemnify accidents arising from air sports in general, professionally practiced sports, motor vehicle/boat racing, or exceptional undertakings such as exploratory or arctic/Himalayan/Andean expeditions, ocean regattas, and extreme skiing.
Pregnancy complications
Excluded
Reale Mutua does not reimburse expenses for illnesses of pregnancy or hospitalizations for childbirth and puerperium. Separately, the Assistenza Persona services exclude complications of pregnancy beyond the 26th week.
Personal liability
No limit stated
No personal liability (RC) guarantee is described for SìViaggiare Reale in either the Persona or Patrimonio sections of the terms and conditions.
Legal assistance advance
€520
If the insured needs legal assistance abroad, the Operations Centre advances a lawyer's fee up to €520. This is an interest-free advance that the insured must repay to the Operations Centre within 20 days of the request for restitution, providing adequate guarantees.
24/7 operations centre assistance
Covered
Blue Assistance's Operations Centre is reachable 24 hours a day, every day of the year, by phone (toll-free from Italy, dedicated number from abroad) or email, providing medical consultations, information, and the assistance services listed in the policy.
Key conditions
Assistance call deadline
The insured must contact the Operations Centre (available 24/7) to activate assistance services and provide personal details, policy number and description of the need requested; if the Operations Centre is not contacted, Reale Mutua does not indemnify services not directly arranged by it.
Unauthorized treatment
For medical expense claims, immediate telephone contact with the Operations Centre is required to request direct payment; if the Assicurato pays personally without contacting it first, only the reimbursement procedure (documented claim within 30 days for advances, or standard claim submission) applies, and direct payment abroad is limited to hospitalizations of at least one overnight stay.
Purchase while abroad
None of the sources address whether the policy can be purchased while the insured is already abroad or travelling.
Chronic conditions
Alterations of health linked to pathological situations pre-existing the departure for the trip are excluded from medical expenses reimbursement, which in practice excludes chronic conditions known before the trip.
Pregnancy
Pregnancy illnesses and hospitalizations for childbirth/puerperium are excluded from medical expenses reimbursement; assistance services under the Persona section exclude complications of pregnancy beyond the 26th week.
Pre-existing condition exclusions
Medical expenses reimbursement excludes accidents occurring before departure and health alterations linked to conditions pre-existing the trip; separately, persons affected by alcoholism, drug addiction, AIDS and related syndromes are not insurable under the Persona section.
Coverage duration limit
Cover runs from and to the dates on the policy schedule; if the return trip cannot be completed due to documented force majeure (strikes, natural disasters, war/terrorism), cover is extended up to 3 days beyond expiry, or up to 14 days if the delay is due to a public authority order preventing the return, provided it is not attributable to the insured.
Documents
SìViaggiare Reale Terms and Conditions (Mod. 5006 ASS, Ed. 01/2019)
Terms & conditions
Policy specifics
Medical expenses reimbursement while traveling
Coverage for medical and dental expenses incurred during travel in case of accident or illness, reimbursed on location
SourceTrip cancellation
Reimbursement of penalties, registration fees and deposits when canceling a trip
SourceBaggage loss and damage coverage
Indemnity for lost, damaged, or stolen baggage; includes coverage for personal documents replacement
SourceMedical assistance services abroad
24/7 assistance including medical consultation, provision of medicines, interpreter assistance, early repatriation, veterinary consultation
SourceProsthetic devices, interpreter cost and HIV-contagion lump sum
Purchase and fitting of orthopedic/prosthetic devices abroad is covered up to €550; an interpreter dispatched abroad (e.g. after arrest, hospitalization, or theft) is covered up to €500 per claim; a lump-sum indemnity of €10,000 is paid for HIV contagion caused by blood transfusions made necessary by a covered accident
SourcePre-existing conditions exclusion
Policy does not cover consequences of pathological situations (injuries or illnesses) that existed before policy purchase
SourceDeductibles and coverage limits
Some guarantees provide for deductibles or co-payments in case of loss and limitations/exclusions of benefits
SourceTwo package structure
Policy offers two distinct packages: 'Persona' (personal assistance and medical reimbursement) and 'Patrimonio' (baggage and asset protection)
Source