Zurich Insurance Europe AG – General Representative Office for Italy (Gruppo Zurich Italia)

Assistance call deadline

The reviewed documents do not state a fixed deadline for contacting the assistance center, but prior contact with Mapfre Asistencia's Struttura Organizzativa is generally required to organize medical transport, repatriation, or dispatch of a doctor.

Unauthorized treatment

Where the Struttura Organizzativa cannot be contacted in advance, expenses incurred are reimbursed only up to EUR 1,500 per claim and for the duration of the policy.

Purchase while abroad

Not explicitly addressed in the reviewed documents; insured persons under the Individual, Family Group, and Group formulas must be resident in Italian territory.

Chronic conditions

Chronic and pre-existing illnesses, defined as any condition diagnosed, hospitalized, or treated in the 12 months before departure, are excluded from the medical expenses and assistance guarantees.

Pregnancy

Not specifically addressed in the reviewed Zurich Viaggiare nel mondo documentation.

Pre-existing condition exclusions

Chronic and pre-existing illnesses diagnosed, hospitalized, or treated in the 12 months before departure are excluded from cover.

Coverage duration limit

The policy does not renew automatically at natural expiration; the duration is fixed as stated in the policy and a new policy must be purchased for continued coverage.

Medical expenses reimbursement

Coverage for medical expenses incurred during travel abroad, especially in non-SSN-affiliated countries

Injury indemnity

Fixed indemnity in case of injury (including severe) during travel

Health-related return service

Assistance service for health-related repatriation or early return from trip

Medical services coordination and dispatch

Emergency coordination and dispatch of medical personnel if needed during travel

Preexisting conditions exclusion

Policy explicitly excludes chronic and preexisting illnesses defined as any condition diagnosed, hospitalized, or treated in the 12 months before departure

Baggage and theft coverage

Coverage for baggage loss and theft during travel

No trip cancellation coverage

Policy does not include any trip cancellation or interruption benefit

Medical expense deductible

Fixed deductible of EUR 50 applies to medical expenses

Geographic coverage tiers

Three geographic combinations available: Italia, Europa, and Mondo (World) with different coverage limits and premium tiers

High-risk countries exclusion

Coverage excludes events in countries designated as high-risk by Italian Ministry of Foreign Affairs (check viaggiaresicuri.it)

Dangerous sports exclusion

Coverage excludes injuries from dangerous sports including mountaineering beyond grade 3, professional sports, aviation activities, etc.

No automatic renewal

Contract does not automatically renew at natural expiration; new policy must be purchased for continued coverage

Italian residency requirement

Insured persons must be residents of Italian territory; family group formula limited to members of same household

Single premium payment

Premium must be paid as single upfront payment at subscription; no installment or deferred payment options available

Indirect reimbursement model for medical expenses

Insurer may reimburse policyholder after claim approval and supporting documentation; direct settlement not guaranteed; reimbursement model may extend claims processing timelines

Claim notice period

Insured or beneficiaries must notify occurrence of claim within 5 days from event, or as soon as possible, and in no case later than one year from policy expiration

Maximum indemnity aggregate cap

Total indemnity payment cannot exceed sum insured in policy; all indemnities and reimbursements across all guarantees must fit within this limit