Generali Seguros, S.A.
Generali Tranquilidade
Generali Tranquilidade is a travel insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
The insured must request authorization from the Assistance Service before making decisions or incurring expenses; reimbursement of amounts depends on prior authorization from the Assistance Service. The insured must not assume liability towards third parties or advance/settle indemnities without the insurer's authorization.
Geographic scope
Worldwide
All countries of the world except those where, due to internal conflicts, war situations or other circumstances, it becomes impossible to guarantee safe and effective service delivery.
Unique selling points
- From the 3rd insured person onward on the same policy, the customer benefits from a 10% discount on the commercial premium.
- Customers can save up to 15% on the commercial premium by bundling multiple Generali Tranquilidade insurance products.
- Temporary trip policies include specific COVID-19 protection covering both related medical expenses and trip cancellation.
- Travellers needing medical assistance abroad can reach the insurer instantly via a WhatsApp voice call rather than only a standard phone line.
Coverage limits
Medical, Surgical, Pharmaceutical and Hospitalization Expenses
Covered
No limit stated
Covers medical, surgical, pharmaceutical and hospitalization expenses incurred during the trip due to sudden illness or accident; the exact limit is fixed in the policy's Special Conditions, not disclosed in the general documentation.
Emergency Medical Treatment
Covered
No limit stated
Emergency medical treatment abroad due to sudden illness or accident is covered under the Assistance to Persons guarantee; limit fixed in Special Conditions.
Hospitalization Expenses
Covered
No limit stated
Hospitalization expenses arising during the trip due to sudden illness or accident are included in the core medical expenses guarantee; exact limit fixed in Special Conditions.
Outpatient Treatment
No limit stated
Not separately itemized in the available documentation; may be part of the general medical expenses guarantee.
Emergency Dental Treatment
No limit stated
Not found in the available official documentation for this product.
Medical Transport
Covered
No limit stated
The General Conditions include a dedicated guarantee for 'Repatriation or Medical Transport of the Injured or Sick and Medical Supervision', arranged by the Insurer/Assistance Service when clinically justified; limit fixed in Special Conditions.
Medical Evacuation
Covered
No limit stated
Covered under the same 'Repatriation or Medical Transport of the Injured or Sick and Medical Supervision' guarantee in the General Conditions when the insured's clinical condition justifies evacuation; limit fixed in Special Conditions.
Repatriation of Mortal Remains
—
Not explicitly found in the available documentation; the General Conditions only reference repatriation of injured or sick persons.
Search and Rescue
No limit stated
Not found in the available official documentation for this product.
COVID-19 Treatment and Cancellation
Conditional
Epidemics and pandemics are generally excluded, except COVID-19 in temporary (trip-based) policies, which covers related medical expenses and trip cancellation.
Winter Sports Cover
Optional
Winter sports practice is excluded from standard coverage unless it has been specifically contracted and the extra premium paid.
Adventure/Professional Sports Cover
Excluded
Professional sports practice and amateur sports competitions integrated into championships, as well as their respective training, are excluded.
Pregnancy Complications
Excluded
Accidents and diseases due to pregnancy or childbirth are excluded from coverage.
Personal Civil Liability
Covered
No limit stated
Covers extracontractual civil liability of the insured and family members for bodily injury and/or material damage caused to third parties during the trip; exact limit fixed in Special Conditions.
Legal Protection Abroad
Covered
Legal protection for the insured while travelling abroad is listed as an included covered risk in the product's IPID.
24/7 Assistance Service
Covered
The insured can contact the Assistance Service from Portugal or abroad (via phone or WhatsApp voice call) for medical assistance coordination while travelling.
Key conditions
Assistance call deadline
Claims must be reported within eight (8) days of the occurrence or of becoming aware of it, using the insurer's own form; no separate immediate-call deadline is stated for emergency assistance beyond contacting the Assistance Service as soon as possible.
Unauthorized treatment
The insured must request prior authorization from the Assistance Service before making decisions or incurring expenses; reimbursement depends on that prior authorization, and the insured must not assume liability or advance indemnities without the insurer's authorization.
Purchase while abroad
Not specified in the available documents.
Chronic conditions
Not specified in the available documents.
Pregnancy
Accidents and diseases due to pregnancy or childbirth are excluded from coverage.
Pre-existing condition exclusions
Not specified in the available documents.
Coverage duration limit
Coverage starts on the date/time stated in the Special Conditions or proof-of-insurance document and ends at the end of the trip; if the trip ends earlier, coverage ceases on that date. If the trip is delayed or extended for reasons beyond the insured's control, the policy is automatically extended, excluding the Assistance coverages.
Where to buy
Policy specifics
COVID-19 Protection
Medical expenses and trip cancellation coverage specific to COVID-19, valid in temporary travel insurance policies
SourceTrip Cancellation
Coverage for trip cancellation with limits ranging from €2,000 to €5,000 depending on selected plan tier
SourceTrip Delay Expenses
Coverage for flight delay expenses with limits ranging from €500 to €1,000 depending on selected plan
SourceMedical, Surgical, Pharmaceutical and Hospitalization Expenses
Core coverage guarantee for medical and surgical expenses, pharmaceuticals, and hospitalization during travel due to sudden illness or accident
SourceBaggage and Personal Effects Protection
Coverage for baggage damage, loss, theft or robbery during transport and accommodation
SourceCivil Liability Coverage
Coverage for extracontractual civil liability of the insured and family members for bodily injury and/or material damage to third parties during travel
SourceLegal Protection Abroad
Legal protection coverage available to insured during international travel
SourceCoverage Territorial Scope
Two geographic zones determine premium rates: Zone A includes Europe, Morocco, Tunisia, Israel and Turkey; Zone B covers all other countries worldwide
SourcePolicy Duration and Trip Extension
Policy runs from stated start date/time until end of trip. If trip ends earlier than planned, insurance ceases. If trip is delayed/extended beyond planned dates due to circumstances beyond insured control, policy automatically extends (excluding assistance coverage)
SourcePregnancy and Childbirth Exclusion
Accidents and diseases due to pregnancy or childbirth are excluded from Personal Accident coverage
SourceNon-Cumulative Death and Permanent Disability Benefits
Death and permanent disability benefits are not cumulative. If insured dies within 2 years of accident, any permanent disability benefit previously paid is deducted from death benefit
SourceInsurer Liability Limit
Insurer's liability is always limited to maximum amount fixed in Special Conditions of the policy
SourceDeductible (Franchise) Clause
If established in the policy, the policyholder bears a portion of claim expenses which is deducted from any indemnification
SourceIntentional False Declarations
In case of intentional false statements made during underwriting, the contract is voidable and insurer is not obligated to provide coverage
SourceNegligent False Declarations
In case of negligently false statements, insurer may propose contract modification or termination. Claims before modification/termination may be partially covered
SourceMedical Assistance Contact Method
If medical assistance is needed abroad, insured must contact insurer via WhatsApp voice call for immediate medical support and assistance coordination
SourceWorldwide Coverage Exclusion for Conflicts
Coverage applies to all countries worldwide except those where internal conflicts, wars or other circumstances make coverage impossible
SourcePremium Payment Timing
Initial premium must be paid on contract execution date. Subsequent premium installments due on scheduled dates. Additional premiums for alterations due by deadline specified in notice
Source