Unipol Assicurazioni S.p.A.
Unipol UNICA
Unipol UNICA is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
Hospital medical expenses following illness or injury during the trip are paid directly by the Company through UnipolAssistance's Operating Structure, provided the Structure was contacted in advance and authorized the treatment; if direct payment is not possible, expenses are reimbursed subject to the same prior-authorization requirement.
Geographic scope
Italy (policy available to persons resident/domiciled in Italy, or resident abroad and temporarily domiciled in Italy)
Worldwide, in the country or group of countries where the trip takes place. The policy does not operate for trips to: Afghanistan, Burundi, Chad, West Bank and Gaza Strip, Congo, North Korea, Ivory Coast, Ethiopia, Haiti, Iraq, Kosovo, Liberia, Nepal, Papua New Guinea, Chechen Republic, Central African Republic, Democratic Republic of Congo, Rwanda, Western Sahara, Sierra Leone, Somalia, Sudan, East Timor, Uganda and Yemen, nor in countries in a state of declared or de facto war or under UN/EU embargo.
Unique selling points
- Medical expense cover up to €1,000,000 in Europe/World for trips up to 40 days.
- Sanitary repatriation transport from the treatment centre to Italy or the insured's home is covered with no stated spending limit.
- 24/7 assistance also extends to family members left at home in Italy in case of their illness or accident while the policyholder is travelling.
- A single policy position can cover the traveller plus up to three named travel companions.
- Home and vehicle assistance in Italy (locksmith, plumber, electrician, security guard, roadside rescue) is included while the insured is travelling.
Coverage limits
Medical expenses
Covered
Direct payment of hospital medical expenses is guaranteed up to €10,000 for expenses incurred in Italy, up to €1,000,000 for expenses incurred in Europe/World for trips up to 40 days (reduced to €300,000 from the 41st day of travel). A €250 per-claim sub-limit applies to first-aid dental, cosmetic and physiotherapy-type costs, and a separate €1,000 per-claim sub-limit (with a €50 deductible) applies to outpatient visits, diagnostic tests and medicine purchases.
Emergency medical treatment
Covered
The insurer directly pays for urgent, non-postponable hospital treatment or surgery following illness or injury during the trip, subject to mandatory prior contact with and authorization from the UnipolAssistance Operating Structure; if prior contact was not possible, reimbursement is capped at the amount that would have been paid had the Structure been contacted. Cover operates for a maximum of 60 days of hospitalization or Day Hospital.
Hospitalization
Covered
Hospitalization (Ricovero) or Day Hospital costs are covered within the same medical-expense limits (€10,000 Italy / €1,000,000 Europe-World up to 40 days, reduced to €300,000 beyond day 40), for a maximum period of 60 days of degenza ospedaliera or Day Hospital.
Outpatient treatment
Covered
Reimbursement up to €1,000 per claim for urgent medical visits, diagnostic tests and prescribed medicine purchases, without any prior obligation to contact the Operating Structure; a €50 fixed deductible applies per claim.
Emergency dental care
Conditional
First-aid dental expenses following an accident are covered up to €250 per claim, within the Spese Mediche guarantee; routine, cosmetic, or non-first-aid dental treatment is excluded.
Medical transport
Covered
Transport to the nearest facility able to provide emergency care, and transport from the first-aid/first-admission medical centre to a better-equipped medical centre, is covered up to €10,000.
Medical evacuation / repatriation transport
Covered
Transport from the medical centre to an equipped Istituto di Cura in Italy, or repatriation to the Assicurato's Residenza/Domicilio, is covered by the Company 'senza limite di spesa' (without any spending limit).
Repatriation of mortal remains
Covered
In case of death, the Operating Structure organizes and carries out, at the Company's expense, transport of the body to the place of burial in Italy; the policy does not state an explicit monetary cap for this service.
Search and rescue expenses
Covered
If the Assicurato or a travelling companion (insured or not) goes missing or is lost, search costs are reimbursed up to €1,500, provided the search is carried out by the competent public authorities/bodies.
COVID-19 treatment
Not offered
The policy contains no specific COVID-19 treatment guarantee. The optional 'Estensione epidemie' supplementary guarantee only extends the Fermo amministrativo/sanitario and Imprevisti di Forza Maggiore guarantees to costs arising from public-authority restrictive measures (e.g. quarantine), and is not a medical-treatment guarantee.
Pre-existing conditions
Excluded
Claims arising from pre-existing illnesses (chronic/recurring pathological conditions predating the policy's inception) are excluded from the Sezione Protezione Viaggio. In the Annullamento Viaggio (trip cancellation) section, relapses/flare-ups of pre-existing illnesses manifesting after the trip-registration date are, however, covered.
Winter sports cover
Covered
Ordinary recreational skiing/snowboarding on marked, serviced slopes is not excluded and is covered under the base guarantees. Excluded as 'Sport ad Alto Rischio' are: ski/snowboard mountaineering (scialpinismo), acrobatic skiing/snowboarding, extreme ski/snowboard (off-piste, in areas distant from marked slopes served by lifts), ski-jumping, bobsleigh, skeleton, guidoslitta/motoslitta, helisnow and free-ride.
Adventure / high-risk sports cover
Excluded
Claims arising from injuries caused by the practice, even occasional and under any title, of Sport ad Alto Rischio (e.g. extreme climbing/mountaineering, canyoning, base/bungee jumping, free climbing, rafting, kite surf), Sport Aerei (air sports), Sport Motoristici/Motonautici (motor/powerboat sports) and Sport Professionistici are excluded from the entire Sezione Protezione Viaggio.
Pregnancy complications
Excluded
Claims arising from therapeutic abortion, non-premature childbirth or puerperium are excluded from the Sezione Protezione Viaggio.
Personal liability (traveller's third-party liability)
Optional
Available as a paid Garanzia Supplementare (Art. 2.4.3), with a Massimale selectable by the Assicurato of €250,000 or €500,000, covering amounts the traveller is legally liable to pay for death, personal injury or property damage caused to third parties during the trip; a €150 per-claim deductible applies to property damage.
Legal assistance abroad
Covered
As part of the base Assistenza in Viaggio guarantee, if the Assicurato is arrested or threatened with arrest abroad for negligent acts, the Operating Structure appoints a local lawyer and advances the legal fee up to the equivalent of €7,500 in local currency (subject to adequate repayment guarantees); the advance must be repaid within 1 month plus statutory interest, and the service only operates in countries where the Structure has branches or correspondents.
24/7 assistance helpline
Covered
UnipolAssistance's Centrale Operativa is available to the Assicurato 24 hours a day, every day of the year, and must always be contacted preventively for any Assistenza in Viaggio request (tel. +39 011 6523211); failure to make prior contact (absent proven impossibility) results in no indemnity being recognized.
Key conditions
Assistance call deadline
The Assicurato must always and preventively contact the UnipolAssistance Centrale Operativa (tel. +39 011 6523211), active 24/7, before obtaining any Assistenza in Viaggio service or hospital medical-expense direct payment; for Infortuni del viaggiatore/Infortuni durante il volo claims, written notice must be given within 3 days from when the Assicurato had the possibility to do so.
Unauthorized treatment
No reimbursement is granted for Spese Mediche if the Operating Structure was not contacted, unless proven impossibility is demonstrated; in that case reimbursement is capped at the amount that would have been paid had the Structure been regularly contacted. Failure to preventively contact the Structure for any Assistenza in Viaggio request also results in no indemnity being recognized, again absent proven impossibility.
Purchase while abroad
The Condizioni di Assicurazione do not provide for purchasing the policy while the traveller is already abroad; cover under the Assistenza in Viaggio guarantee starts when the Assicurato leaves their Residenza/Domicilio to begin the trip, implying the policy must be taken out before departure.
Chronic conditions
Chronic/recurring pathological conditions predating the policy (Malattie preesistenti) are excluded from the Sezione Protezione Viaggio, except that, within the Annullamento Viaggio section, relapses or flare-ups of such conditions manifesting after the trip-registration date are covered.
Pregnancy
Claims arising from therapeutic abortion, non-premature childbirth or puerperium are excluded from the Sezione Protezione Viaggio; pregnancy-related complications arising before the guarantee's start date are also excluded from the Annullamento Viaggio section.
Pre-existing condition exclusions
Pre-existing illnesses are excluded from the base Sezione Protezione Viaggio guarantees (medical expenses, assistance, baggage); the Annullamento Viaggio section makes a specific exception for relapses/flare-ups occurring after trip registration.
Coverage duration limit
The policy covers a single trip of no more than 100 days for tourism, study or business purposes; the maximum insurable age is 80 years at the time the policy is taken out; hospital medical-expense cover (Spese mediche) operates for a maximum of 60 days of hospitalization or Day Hospital per claim.
Where to buy
Policy specifics
Mandatory medical authorization for hospital expenses
Medical expenses for hospital treatment require mandatory prior contact and authorization from UnipolAssistance organizational structure
Medical limits vary by trip duration
Medical expense coverage limits are €1,000,000 in Europe/World for trips up to 40 days, and €300,000 for trips over 40 days; €10,000 in Italy
High-risk country exclusions
Coverage does not operate for trips to specific high-risk countries including Afghanistan, Burundi, Chad, West Bank/Gaza Strip, Congo, North Korea, Ivory Coast, Ethiopia, Haiti, Iraq, Kosovo, Liberia, Nepal, Papua New Guinea, Chechen Republic, Central African Republic, Democratic Republic of Congo, Rwanda, Western Sahara, Sierra Leone, Somalia, Sudan, East Timor, Uganda, and Yemen
Pre-existing illness exclusion
Pre-existing illnesses (any illness that is the expression or direct consequence of chronic/recurrent pathological conditions existing prior to policy signing) are excluded from the Travel Protection Section
Maximum trip duration
The policy covers a single trip not exceeding 100 days, for tourism, study or business purposes
Maximum insurable age
The maximum insurable age is 80 years
Trip cancellation coverage timing requirement
Cancellation cover must be purchased within 3 days of booking and within 30 calendar days maximum
Secure luggage coverage
Coverage for damage to luggage due to theft, pickpocketing, robbery, mugging, or fire, including valuables, furs, sports equipment, photographic equipment, and electronics
Minimum trip distance requirement
For trips by car or other means not using public transport (train, bus, ship, airplane), insurance is valid starting from 50 km from the place of residence
Eligible insured parties
Coverage may include cohabiting family members, first-degree ascendants/descendants, spouses, and up to 3 named travel companions
Residency requirement for insured parties
Insured parties must be resident and domiciled in Italy, or resident abroad and temporarily domiciled in Italy
Travel assistance provider
Travel assistance services are provided by UnipolAssistance S.c.r.l., responsible for receiving assistance requests and providing services
Outpatient coverage without prior authorization
For outpatient visits and medicines (up to €1,000 per claim), reimbursement is available without prior contact with the UnipolAssistance Structure, subject to a €50 excess
Premium payment requirement
Premium payment is a necessary condition for insurance validity and effectiveness. Payment must occur at policy signing or at each installment if premium is fractionated