UniSalute S.p.A.
UniSalute
UniSalute is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
My Travel benefits are provided exclusively on a reimbursement basis: the Insured must pay the medical expenses incurred abroad directly and then request reimbursement from UniSalute; there is no cashless/direct-payment network for this module.
Geographic scope
Worldwide (coverage applies while the Insured is traveling abroad)
The insurance is valid worldwide.
Unique selling points
- Worldwide medical coverage abroad up to €75,000 per year for urgent hospitalization, well above typical base-plan limits confined to Italy.
- Dedicated interpreter service arranged abroad to help the Insured communicate with foreign doctors during hospitalization.
- Reimbursement of a family member's round-trip travel and accommodation costs if the Insured is hospitalized abroad for more than 10 days.
- Early return home organized and paid for in case of a life-threatening emergency involving a close family member.
- 24/7 toll-free assistance line to activate return transportation, interpreter and other assistance services while abroad.
Coverage limits
Medical expenses abroad (urgent hospitalization)
€75,000
Overall annual limit for the complex of benefits under the 'Ricovero urgente all'estero' guarantee: surgery, medical assistance, medicines, hospital daily rate, companion costs, private nursing, post-hospitalization care and repatriation of remains, up to €75,000 per Insured per year.
Emergency medical treatment abroad
Covered
Medical and nursing assistance, medical specialist consultations, medicines, exams and diagnostic tests during hospitalization abroad are covered without a separate sub-limit, within the overall €75,000 annual cap for the 'Ricovero urgente all'estero' guarantee.
Hospitalization (daily room & board rate)
€200
Daily hospital room and board costs abroad are reimbursed up to €200 per day; non-essential/voluptuary expenses are excluded.
Post-hospitalization outpatient care
Covered
Diagnostic tests, medicines, medical/surgical/nursing services and physiotherapy/rehabilitation treatments performed within 100 days after discharge from hospitalization abroad are covered, included within the overall €75,000 annual limit for the guarantee.
Emergency dental care
No limit stated
Not addressed within the My Travel module; dental care is covered under a separate, distinct module (My Smile).
Local medical transport / ambulance abroad
No limit stated
No dedicated ground ambulance/local medical transport benefit is stated for the My Travel module; only the return trip after discharge and repatriation of remains are covered.
Return transportation after hospitalization abroad
€500
After discharge from hospitalization abroad, if medical/paramedical assistance during travel is not required, UniSalute's Centrale Operativa organizes and pays for the return flight (economy class) or train (first class) ticket to the Insured's home, up to €500 per Insured per year.
Repatriation of mortal remains
€20,000
In case of death of the Insured during hospitalization abroad, UniSalute reimburses the costs incurred for repatriation of the body, up to €20,000 per Insured per year.
COVID-19 treatment
No limit stated
Not specifically addressed in the My Travel module's coverage or exclusion list.
Pre-existing conditions
Excluded
Direct consequences of Accidents and Illnesses that arose, were diagnosed or treated prior to the policy's inception are excluded, as are pre-existing physical defects or malformations, except those the Insured was unknowingly affected by.
Winter sports cover
Excluded
Consequences of accidents caused by practicing extreme/dangerous sports (including extreme skiing and ski-mountaineering) are excluded, even if practiced recreationally.
Adventure sports cover
Excluded
Consequences of accidents caused by practicing extreme/dangerous sports (e.g. solo mountaineering above grade III, rafting, speleology, motor-powered vehicles/craft in competitions, parachuting, aerial sports) are excluded, even if practiced recreationally, as well as accidents from sports practiced as a professional activity.
Pregnancy complications
No limit stated
Not explicitly addressed; only voluntary termination of a non-therapeutic pregnancy and its consequences are explicitly excluded, and scheduled ('programmed') hospital stays are excluded.
24/7 assistance helpline
Covered
Assistance services (organizing return transportation, interpreter, early return, family travel) are activated by contacting UniSalute's Struttura Organizzativa via a toll-free number active 24 hours a day, 365 days a year.
Key conditions
Assistance call deadline
Assistance benefits (return transportation, interpreter, early return of the Insured, travel of a family member) must be activated by contacting UniSalute's Struttura Organizzativa via the toll-free number, active 24 hours a day, 365 days a year; medical expense reimbursement claims do not require pre-authorization since the guarantee operates exclusively on a reimbursement basis.
Unauthorized treatment
Not applicable in the strict sense: the 'Ricovero urgente all'estero' medical guarantee operates exclusively on a reimbursement basis (no convenzionata network/direct payment), so there is no penalty tied to using non-authorized providers; expenses of a purely voluptuary nature during hospitalization are however excluded from reimbursement.
Purchase while abroad
Not addressed in the My Travel module documentation; the module can only be purchased in combination with a base health plan (Essential, Plus or Extra) on UniSalute's website.
Chronic conditions
Not specifically addressed for My Travel beyond the general pre-existing condition exclusion; chronic conditions diagnosed or treated before the policy's inception are excluded from cover, except conditions the Insured was unknowingly affected by.
Pregnancy
Voluntary termination of a non-therapeutic pregnancy and its consequences are excluded; scheduled ('programmed') hospital stays are also excluded, which would exclude planned deliveries; urgent pregnancy complications during a Ricovero abroad are not explicitly addressed.
Pre-existing condition exclusions
Direct consequences of accidents and illnesses that arose, were diagnosed or treated before the policy's effective date are excluded, as are pre-existing physical defects/malformations, except those the Insured was unknowingly affected by.
Coverage duration limit
Post-hospitalization follow-up care is covered for 100 days after discharge; companion (board/lodging) and private nursing assistance benefits are each capped at 30 days per hospitalization; robotic-assisted surgery costs are capped at €2,500 per hospitalization; the interpreter service is capped at 8 hours per event per year; no explicit maximum overall trip duration for the module itself was found in the source.
Documents
Terms and Conditions (Condizioni di Assicurazione) - UniSalute Per Te
Terms & conditions
DIP Danni / DIP Aggiuntivo Danni - Insurance Product Information Document
IPID
My Travel - Summary Table of Limits, Sub-limits, Deductibles and Excesses
Table of benefits
My Travel Product Page
Other document
Policy specifics
Worldwide travel coverage
The MY TRAVEL module provides coverage valid worldwide (outside Italy), specifically covering medical expenses abroad in case of illness or injury during travel
SourceMedical expenses reimbursement abroad
Coverage includes reimbursement for medical expenses incurred abroad in case of illness or injury while traveling
SourceSource no longer reachableHospitalization abroad coverage
Coverage for hospitalization and emergency medical care when abroad
SourceSource no longer reachableInterpreter services abroad
24/7 interpreter services available when abroad to assist with medical and language needs
SourceSource no longer reachableEarly return coverage from abroad
Coverage for early return from abroad in case of family emergency or medical emergency
SourceSource no longer reachableFamily member travel reimbursement
In case of prolonged hospitalization abroad, coverage includes reimbursement for airfare of a family member to reach the insured
SourceSource no longer reachablePre-existing conditions exclusion
The MY TRAVEL module excludes consequences of illnesses and injuries that began, were diagnosed, or were treated before the policy start date
SourceMental health conditions exclusion
The MY TRAVEL module excludes treatment of mental illnesses and psychological disorders, including neurotic pathologies and anxiety/depression syndromes, except for psychiatric and psychotherapeutic services
SourceRefractive eye error exclusion
The MY TRAVEL module excludes treatment for correction of refractive vision defects (myopia, hyperopia, astigmatism, presbyopia)
SourceOptional add-on to base plan requirement
The MY TRAVEL solution can only be purchased in combination with a base insurance solution (Essential, Plus, Extra, or Top). It cannot be purchased as a standalone product
SourceSource no longer reachableCentral operating center coordination requirement
For emergency situations abroad (prolonged hospitalization, early return), the Central Operating Center of UniSalute must be contacted to organize and arrange transportation and repatriation
Source