Travel insurance — Romania

[1] Medical expenses: €30,000 – €50,000 ↩

Covers medical expenses abroad resulting from a medical emergency, including outpatient treatment, ambulance transport, transfer to a specialist clinic at the doctor's request, hospitalization and/or surgical procedures, diagnostic procedures, medications and medical materials prescribed by a doctor, and emergency dental treatment for acute pain relief. Insured sum options: 30,000 EUR or 50,000 EUR.

Cheltuieli medicale în străinătate ca urmare a unei urgenţe medicale, pentru: tratament ambulatoriu, transportul cu ambulanţa, transfer la o clinică de specialitate la solicitarea medicului, spitalizare şi/sau intervenţii chirurgicale

[2] Medical transport: €30,000 – €50,000 ↩

Ambulance transport and transfer to a specialist clinic at the doctor's request are covered as part of the medical expenses cover within the overall sum insured (30,000–50,000 EUR).

transportul cu ambulanţa, transfer la o clinică de specialitate la solicitarea medicului

[3] COVID-19 treatment: €30,000 – €50,000 ↩

Medical and repatriation expenses arising from COVID-19 illness are covered within the medical expenses sum insured (30,000–50,000 EUR), except for travel to the USA or Canada, or to countries where a state of emergency was in force on the day before the insurance took effect. Risk is covered if the state of emergency is declared after the insured has already arrived in the destination country.

Cheltuieli medicale şi de repatriere aferente îmbolnăvirii cu COVID-19

[4] Personal liability: €5,000 – €10,000 ↩

Optional coverage for bodily and/or material damages caused to third parties. Insured sum options: 5,000 EUR or 10,000 EUR. Exclusions include claims by spouse under law, claims for damages to securities, collections, paintings, sculptures, fines and criminal court costs.

Opţiuni sumă asigurată: 5.000 de EUR/10.000 de EUR ✓ Prejudicii corporale şi/sau materiale provocate terţelor persoane

[5] Emergency dental: €30,000 – €50,000 ↩

Emergency dental treatment for relief of acute pain is included within the medical expenses cover (subject to the overall sum insured of 30,000–50,000 EUR). No separate sublimit stated for dental.

tratament stomatologic de urgenţă pentru calmarea durerilor acute

[6] Search & rescue: See details ↩

Search and rescue costs are not mentioned as a covered benefit in the Voiaj IPID or product page.

[7] Legal assistance: See details ↩

Legal assistance is not listed as a covered or optional benefit in the Voiaj IPID or product page. Criminal court costs and fines are explicitly excluded under the personal liability clause.

[8] Emergency medical treatment: €30,000 – €50,000 ↩

Emergency medical treatment is included within the medical expenses coverage (30,000–50,000 EUR). Covers outpatient treatment, hospitalization, surgical interventions, diagnostic procedures and medication resulting from a medical emergency abroad.

Cheltuieli medicale în străinătate ca urmare a unei urgenţe medicale, pentru: tratament ambulatoriu, transportul cu ambulanţa, transfer la o clinică de specialitate la solicitarea medicului, spitalizare şi/sau intervenţii chirurgicale

[9] Hospitalization: €30,000 – €50,000 ↩

Hospitalization and surgical interventions abroad are covered as part of the medical expenses cover (30,000–50,000 EUR), subject to the overall medical sum insured.

spitalizare şi/sau intervenţii chirurgicale

[10] Outpatient treatment: €30,000 – €50,000 ↩

Outpatient treatment and ambulance transport abroad are covered within the medical expenses sum insured (30,000–50,000 EUR), in the event of a medical emergency.

tratament ambulatoriu, transportul cu ambulanţa, transfer la o clinică de specialitate la solicitarea medicului

[11] Medical evacuation: €10,000 ↩

Repatriation expenses of the insured are covered up to 10,000 EUR as a result of a medical emergency or death from any cause. Medical and repatriation expenses related to COVID-19 illness are also covered (except travel to USA, Canada, or countries in a state of emergency on the day before coverage takes effect).

Cheltuieli de repatriere a Asiguratului, în limita a 10.000 de EUR, ca urmare a unei urgenţe medicale sau a decesului din orice cauză

[12] Repatriation of remains: €10,000 ↩

Repatriation expenses following death from any cause are covered up to 10,000 EUR, within the overall repatriation limit.

Cheltuieli de repatriere a Asiguratului, în limita a 10.000 de EUR, ca urmare a unei urgenţe medicale sau a decesului din orice cauză

[13] Pre existing conditions: €1,000 ↩

Medical expenses abroad resulting from an acute exacerbation of a pre-existing condition or chronic disease are covered up to a maximum of 1,000 EUR. This is a sublimit within the overall medical expenses cover.

Cheltuieli medicale în străinătate ca urmare a unui puseu acut al unei afecţiuni pre-existente sau boli cronice, în limita a 1.000 de EUR

[14] Winter sports cover: See details ↩

Winter sports are not listed as a specific covered or optional benefit in Voiaj. The policy covers recreational sports ('sport de agrement') but excludes extreme sports, dangerous hobbies and professional sports not approved by the insurer. No dedicated winter sports clause is mentioned.

[15] Adventure sports cover: Excluded ↩

Extreme sports, dangerous hobbies and professional sports not mentioned or approved by the insurer are explicitly excluded from the Voiaj policy. Recreational leisure sports ('sport de agrement') are covered within the standard medical expenses.

Practicarea de sporturi extreme, a unor hobby-uri periculoase sau a unui sport profesionist care nu e menţionat sau aprobat de Asigurător

[16] Pregnancy complications: Excluded ↩

Medical expenses related to childbirth, pregnancy-specific treatments or routine checks during pregnancy are explicitly excluded. Complications of a previously diagnosed pregnancy are also excluded under the Storno clause (except for premature birth).

Complicațiile unei sarcini diagnosticate anterior (cu excepţia naşterii premature)

[17] Medical expenses: €30,000 – €50,000 ↩

Covers emergency medical treatment abroad including outpatient treatment, ambulance transport, transfer to a specialist clinic, hospitalization and/or emergency surgical interventions, diagnostic procedures, medicines and medical materials prescribed by a doctor. Two sum insured options: 30,000 EUR or 50,000 EUR for single-trip policies; 30,000 EUR only for annual multi-trip policies. Repatriation, assistance services and financial protection costs are deducted from this sum. Available across all three packages (Confort, Extra, Max).

Allianz-Țiriac acoperă cheltuielile efectuate în perioada de călătorie în străinătate aferente unei urgențe medicale suferite de tine care includ:

[18] Medical transport: €30,000 – €50,000 ↩

Covers emergency medical transport by specialized services (ambulance to the nearest hospital, medicalized transfer to a specialist clinic at the doctor's request) within the overall medical sum insured. Included in all packages (Confort, Extra, Max).

transportul medical de urgenţă, efectuat de servicii specializate (transportul cu ambulanţa până la cel mai apropiat spital, transferul medicalizat la o clinică de specialitate, la solicitarea medicului)

[19] COVID-19 treatment: €30,000 – €50,000 ↩

Medical and repatriation expenses related to COVID-19 illness are covered within the overall medical sum insured, provided they are not incurred on the territory of the USA or Canada. Coverage is conditional on the event not occurring in the USA or Canada. Included in all packages (Confort, Extra, Max).

cheltuielile medicale şi de repatriere aferente îmbolnăvirii cu COVID-19, dacă acestea nu sunt generate pe teritoriul SUA și Canadei

[20] Personal liability: €5,000 – €10,000 ↩

Covers bodily injury and/or material damage caused accidentally to third parties during the insured trip, for acts committed accidentally, negligently or imprudently. Two sum insured options: 5,000 EUR or 10,000 EUR. Available only in the Max package. Excludes claims from spouse/cohabitants, fines, contractual liabilities, and damages arising from vehicle use, watercraft, aircraft, or professional services.

Sunt acoperite prejudiciile corporale și/sau materiale pe care le provoci terţelor persoane, pe durata călătoriei asigurate, ca urmare a unor fapte săvârşite accidental, din neglijenţă sau imprudenţă, pentru care acesta răspunde în baza legii.

[21] Emergency dental: €300 ↩

Covers emergency dental treatment for relief of acute pain only, with a sublimit of 300 EUR within the overall medical sum insured. Definitive dental treatments, root canal treatments (except when for acute pain relief), orthodontics, periodontal disease, scaling, artificial teeth, crowns/bridges are excluded. Included in all packages (Confort, Extra, Max).

tratamentul dentar de urgenţă (pentru calmarea durerilor acute): cu sublimita de sumă asigurată de 300 de euro.

[22] Search & rescue: €5,000 ↩

Covers search, rescue and recovery costs, emergency medical transport by specialized services (including air ambulance if necessary), assistance in identifying efficient treatment options, organisation of funeral services, urgent transport of prescribed medicines from Romania (sublimit 500 EUR), and assistance with lost travel documents (sublimit 100 EUR) and lost means of payment. Activated as a consequence of an accident. Sublimit of 5,000 EUR within the overall medical sum insured. Included in all packages (Confort, Extra, Max).

cheltuielile de căutare, salvare, recuperare a Asiguratului

[23] Legal assistance: Covered ↩

The Assistance Company facilitates access to local legal consultations or contact with the Romanian embassy/consulate in the destination country in the event of arrest or criminal proceedings abroad. This is a service facilitation benefit provided as part of the assistance coverage, not a separate financial indemnity.

În cazul în care ești arestat sau ameninţat cu închisoarea, compania de asistență ajută la obținerea unei consultații juridice locale sau facilitează contactul cu ambasada sau consulatul român din țara de destinație.

[24] Emergency medical treatment: €30,000 – €50,000 ↩

Covers emergency medical treatment (outpatient treatment, hospitalization and/or emergency surgical interventions, diagnostic procedures, medicines and medical materials prescribed by a doctor) as part of the overall medical sum insured. Outpatient treatment and medicines are covered for a maximum of 15 calendar days from the occurrence of the insured risk. Included in all packages (Confort, Extra, Max).

tratamentul medical de urgență (tratament ambulatoriu, spitalizare și/sau intervenții chirurgicale de urgență, proceduri de diagnosticare, medicamente și materiale sanitare, stabilite de medic)

[25] Hospitalization: €30,000 – €50,000 ↩

Hospitalization and emergency surgical interventions are covered within the overall medical sum insured (30,000 EUR or 50,000 EUR), provided hospitalization occurs in a hospital under direct medical supervision using clinically tested methods. Allianz-Tiriac reserves the right to cover hospitalization costs only until the insured's condition allows repatriation. For annual policies, coverage applies to the first 25 days of each stay abroad; hospitalization may be extended by up to 15 additional calendar days if medical repatriation was not possible. Included in all packages.

spitalizare, în măsura în care aceasta are loc într-un spital, se face sub supravegherea directă a unui medic, având la dispoziţia sa facilităţi suficiente de diagnosticare şi terapie şi se desfăşoară numai conform metodelor recunoscute din punct de vedere ştiinţific şi testate clinic în acea ţară.

[26] Outpatient treatment: €30,000 – €50,000 ↩

Outpatient emergency treatment costs are covered within the overall medical sum insured, for a maximum of 15 calendar days from the occurrence of the insured risk. Included in all packages (Confort, Extra, Max).

tratamentul ambulatoriu al Asiguratului: sunt acoperite costurile aferente tratamentului, ca urmare a unei urgenţe medicale sau a unui accident, pentru un interval de maximum 15 zile calendaristice de la producerea riscului asigurat

[27] Medical evacuation: €10,000 ↩

Covers medical repatriation following a medical emergency during travel abroad, with a sublimit of 10,000 EUR within the overall medical sum insured. This sublimit also includes the transport costs of a family member or close person accompanying the repatriation of the insured's remains. Included in all packages (Confort, Extra, Max).

repatrierea medicală ca urmare a unei urgenţe medicale sau repatrierea corpului neînsufleţit în cazul decesului din orice cauză al Asiguratului pe parcursul călătoriei asigurate. Sunt acoperite, cu sublimita de sumă asigurată de 10.000 de euro inclusiv cheltuielile de transport ale unui membru al familiei sau ale unei persoane apropiate, pentru a asista la repatrierea corpului neînsuflețit al Asiguratului

[28] Repatriation of remains: €10,000 ↩

Covers repatriation of the insured's remains in the event of death from any cause during the insured trip, within the sublimit of 10,000 EUR (shared with medical repatriation) from the overall medical sum insured. Allianz-Tiriac organises, upon request, transfer of the deceased to the place of burial in Romania or burial at the place of death. Included in all packages (Confort, Extra, Max).

repatrierea medicală ca urmare a unei urgenţe medicale sau repatrierea corpului neînsufleţit în cazul decesului din orice cauză al Asiguratului pe parcursul călătoriei asigurate. Sunt acoperite, cu sublimita de sumă asigurată de 10.000 de euro

[29] Pre existing conditions: €2,000 ↩

Medical expenses arising from an acute episode of a pre-existing condition are covered with a sublimit of 2,000 EUR within the overall medical sum insured. Chronic or progressive deterioration of pre-existing conditions is excluded. For trip cancellation/interruption due to an acute pre-existing episode, the sublimit is 1,000 EUR per person. Included in all packages (Confort, Extra, Max).

puseul acut al unei afecţiuni preexistente: cu sublimita de sumă asigurată de 2.000 de euro.

[30] Winter sports cover: Optional ↩

Recreational sports (sport de agrement) including skiing, snowboarding, ski-bobbing, skating, mountain cycling, mountain ascents up to 3,000 m, scuba diving, rafting, and similar activities are available as an optional add-on for an additional premium. Professional sports and extreme sports (e.g. bungee jumping, free-climbing, parachuting, motor racing) are excluded. Applicable to single-trip and annual policies when the additional premium for sports is paid.

într-un perimetru în care funcţionează o ofertă a unui operator autorizat pentru asistenţă în practicarea respectivei activităţi la nivel amator prin închiriere de echipamente / dotări şi/sau însoţire în practicarea activităţii sportive incluzând, dar fără a se limita la: călărie, patinaj, ciclism montan, ascensiuni montane (până la 3.000 m), schi, ski-bobbing, snowboard, schi nautic, surfing, wind-surfing, parascending, navigaţie, iahting, rafting, canoe, caiac, scuba diving, carting.

[31] Adventure sports cover: Optional ↩

Same as winter/leisure sports (sport de agrement) add-on: recreational sports involving moderate risk are covered upon payment of an additional premium. Extreme sports (aviation, parachuting, gliding, paragliding, hang-gliding, ski jumping, acrobatic skiing, bungee jumping, climbing/mountaineering, speleology, horse racing, rodeo, contact sport competitions, hunting, motor racing, motorcycling circuits, free diving, deep-water or under-ice diving) remain excluded regardless of premium paid.

Activitate sportivă (numită şi sport de acţiune, de aventură sau liber) ce prezintă un grad de periculozitate ridicat pentru practicant... aviaţie, paraşutism, planorism, zbor cu parapanta, deltaplanorism, sărituri cu schiurile, schi acrobatic, bungee-jumping, escaladă / alpinism, speologie, curse de călărie, rodeo, competiţii în sporturi de contact, vânătoare, curse auto, circuite pentru motociclişti, scufundări libere, la mare adâncime sau sub strat de gheaţă.

[32] Pregnancy complications: Conditional ↩

In the event of acute complications arising during the first 30 weeks of pregnancy, Allianz-Tiriac covers medical expenses strictly for life-saving procedures for the mother and/or child. Childbirth, pregnancy-related routine treatments or check-ups, and complications of a pre-diagnosed pregnancy (except premature birth) are excluded. Coverage is conditional on the pregnancy being within the first 30 weeks. Included in all packages.

Totuşi, potrivit prezentelor condiţii, în cazul unor complicaţii acute apărute în primele 30 de săptămâni de sarcină, Allianz-Ţiriac va despăgubi cheltuielile care privesc strict procedurile medicale de salvare a vieţii mamei şi/sau copilului

[33] Medical expenses: €30,000 – €100,000 ↩

Covers emergency medical expenses abroad up to the insured sum: consultations, laboratory tests, imaging, outpatient treatment, inpatient treatment (maximum 10 days), emergency surgery, medications and medical devices. Simplu package: 30,000 EUR or 50,000 EUR. Sigur package: 50,000 EUR or 100,000 EUR. Coverage applies up to the insured sum stated in the policy.

Pachetul de asigurare acoperă următoarele riscuri, în limita sumei asigurate menționată în polița de asigurare:

[34] Medical transport: €5,000 ↩

Emergency ambulance transport to the nearest hospital is included in both packages, limited to 5,000 EUR. Transfer costs to a specialist clinic are also covered when medically necessary and prescribed by a physician.

Transport medical de urgenta cu ambulanta in limita a 5.000 euro in limita a 5.000 euro

[35] COVID-19 treatment: Excluded ↩

The policy explicitly excludes diseases officially declared as epidemics or pandemics by competent authorities, and infectious or endemic parasitic diseases contracted while in a territory officially recognized as a contamination risk zone. COVID-19 is not named specifically, but falls under this exclusion if declared a pandemic or endemic. Treatment of acute manifestations of illness that first appear during the trip may be covered under the general medical expenses clause when not declared as a pandemic.

Bolilor declarate oficial de organe competente ca epidemii sau pandemii ori bolilor infecțioase sau parazitozelor endemice contractate pe perioada în care asiguratul s-a aflat pe teritoriul unei țări recunoscută oficial drept zonă cu potențial de contaminare.

[36] Personal liability: €10,000 ↩

Civil liability coverage for accidental damage to third parties (bodily injury or property damage) caused by the insured during travel, within the insured sum stated in the policy. Available only in the Sigur package (50,000 or 100,000 EUR medical sum). Marketing sources indicate a 10,000 EUR sub-limit for civil liability. A deductible of 10% applies to each indemnity. Legal assistance costs in civil proceedings are also covered.

[37] Emergency dental: €300 – €500 ↩

Emergency dental treatment resulting from an accident or acute crisis, necessary for pain relief, is included in both packages: limited to 300 EUR in the Simplu package and 500 EUR in the Sigur package. Dental treatments related to pre-existing conditions or prior interventions are excluded, except for life-saving treatment, acute pain relief, or prevention of prolonged incapacity.

Tratament stomatologic de urgenta in limita a 300 euro in limita a 500 euro

[38] Search & rescue: €3,000 – €5,000 ↩

Compensation for emergency medical expenses incurred for saving the insured's life (recovery) resulting from rescue team interventions in accidents in mountain areas, coastal areas, and other hard-to-access areas. Limited to 3,000 EUR in the Simplu package and 5,000 EUR in the Sigur package.

2. Cheltuieli cu cautarea si/sau salvarea Asiguratului in limita a 3.000 euro in limita a 5.000 euro

[39] Legal assistance: Optional ↩

Optional coverage for legal representation costs (attorney fees) in the event of a road accident occurring outside Romania or the insured's country of residence. Available only when explicitly mentioned in the chosen insurance package. Excluded if the road accident occurred in Romania, the country of residence, or outside the policy validity period, or if caused by alcohol/psychoactive substance consumption.

În cazul unui accident rutier produs în afara României sau a țării de reședință, se va rambursa în limita menționată in polița de asigurare, cheltuielile provocate cu reprezentantul juridic, sub titularizarea de avocat.

[40] Emergency medical treatment: €30,000 – €100,000 ↩

Included in the base medical expenses coverage (Section A of the policy). Covers acute illness or accident requiring immediate medical intervention to save the insured's life or stabilize their condition. Available in both Simplu (30,000 or 50,000 EUR) and Sigur (50,000 or 100,000 EUR) packages. Inpatient treatment limited to maximum 10 hospitalization days. Emergency surgery covered when transportation to country of residence is medically impossible.

Pachetul de asigurare acoperă următoarele riscuri, în limita sumei asigurate menționată în polița de asigurare:

[41] Hospitalization: €30,000 – €100,000 ↩

Covered within the overall medical expenses limit (Simplu: 30,000 or 50,000 EUR; Sigur: 50,000 or 100,000 EUR). Hospitalization is covered for a maximum of 10 days and must occur during the policy validity period as a result of a covered accident or illness, in a recognized hospital with adequate diagnostic and treatment facilities using clinically tested methods. In the case of hospitalization exceeding 3 days, travel costs for one first-degree relative from Romania to the place of hospitalization are also covered. Repatriation costs for the insured's children to Romania are additionally covered.

Tratamente medicale în regim de spitalizare pentru maximum 10 zile

[42] Outpatient treatment: €30,000 – €100,000 ↩

Covered within the overall medical expenses limit. Includes prescribed medications, auxiliary medical materials (casts, bandages, orthoses, dressings, crutches as prescribed), and medications administered by authorized personnel. Sub-limit not separately stated; covered up to the insured sum of the chosen package (Simplu: 30,000 or 50,000 EUR; Sigur: 50,000 or 100,000 EUR).

Tratamente medicale în ambulatoriu cuprind:

[43] Medical evacuation: €10,000 ↩

Medical repatriation (transport of the insured in medical conditions from abroad to the nearest hospital to their home or to their home in Romania) is included in both packages, limited to 10,000 EUR. Repatriation requires medical recommendation and confirmation by the Assistance Center's physician. Insurer's liability ceases upon refusal of proposed repatriation. Costs of a medical escort are covered when medically recommended.

3. Repatriere in limita a 10.000 euro in limita a 10.000 euro

[44] Repatriation of remains: €30,000 – €100,000 ↩

In the event of the insured's death abroad during the policy period, transport of the mortal remains to Romania (to the place of burial), excluding funeral and burial costs, is covered within the overall insured sum. If repatriation is impossible, burial costs abroad (document issuance, plot acquisition, burial/cremation, coffin/urn) are covered within policy limits. Not covered: repatriation when death resulted from a chronic or pre-existing condition, or when travel was undertaken for medical treatment purposes.

În cazul decesului Asiguratului în perioada călătoriei în străinătate, cheltuielile pentru repatriere cuprind costurile necesar a fi efectuate în vederea transportului corpului neinsuflețit în România, până la locul de înhumare, mai puțin costurile cu înmormântarea și înhumarea.

[45] Pre existing conditions: €1,000 ↩

Pre-existing conditions (any illness or its complications that was diagnosed, treated or detected prior to the contract start date, or whose symptoms appeared before the policy came into force) are generally excluded. However, an acute episode (flare-up) of a chronic or pre-existing condition is covered up to 1,000 EUR in both the Simplu and Sigur packages.

Puseu acut al unei afectiuni cronice/ preexistente in limita a 1000 euro in limita a 1000 euro

[46] Winter sports cover: €30,000 – €100,000 ↩

Optional add-on ('Sporturi de sezon' / 'Sporturi de agrement') that extends emergency medical and rescue coverage for accidents occurring during recreational leisure sports including skiing, snowboarding, ski nautique, and many others (see list in policy). Must be purchased as an additional package on top of Simplu or Sigur. The add-on for the 2022 edition can only be activated for Europe or Worldwide (excluding USA/Canada) zones.

Prin activarea acestei acoperiri se extinde acoperirea pentru Asistență medicală de urgență în caz de îmbolnăvire sau accident pentru evenimentele petrecute ca urmare și în timpul practicării unuia dintre sporturile de agrement, menționate mai jos.

[47] Adventure sports cover: €30,000 – €100,000 ↩

Extreme and dangerous sports (canyoning, surfing, rafting, kayaking, kitesurfing, scuba-diving, windsurfing kiting, bungee-jumping, hang-gliding, paragliding, zip-lining, abseiling, safari rallies, mountaineering, MTB/BMX motorcycling, ATV, inline skating, skateboarding, snowkayaking, snowkiting, snowboarding, snowmobiling, etc.) are excluded from the base coverage. Some of these are included in the optional 'Sporturi de sezon/agrement' add-on package; see full list in policy conditions section 'Sporturi de sezon'.

Practicării, chiar ocazională, a unor sporturi periculoase (cum sunt: parașutism, scufundări la care sunt folosite tuburi cu oxigen ... ) sau extreme (cum sunt: canioning, surfing, rafting, kayaking, kitesurfing, scuba-diving, windsurfing kiting, bungee-jumping, deltaplan, parapantă, tiroliană, abseiling, safari, raliuri, alpinism, motociclism MTB/BMX, ATV, role, skateboarding, snowkayaking, snowkiting, snowboarding, skiboarding, snowmobile, etc.)

[48] Pregnancy complications: Excluded ↩

Events due to pregnancy, abortion, childbirth or maternity are excluded, except for those immediately required as a result of an accident during the policy validity period. Exception: emergency life-saving medical expenses (for mother and child) arising from accidents or illnesses caused by unforeseen complications before the 28th week of pregnancy (or 24th week for known multiple pregnancies) are exceptionally covered in the 2022 edition. The 2026 Salt Bank edition excludes pregnancy-related events as a general rule with the exception only for accident consequences.

De asemenea, nu sunt acoperite, evenimentele datorate stării de graviditate, avortului, nașterii sau maternității cu excepția celor imediat impuse de urmările unui accident suferit în perioada de valabilitate a poliței, astfel cum acesta este definit în prezentele condiții de asigurare.

[49] Medical expenses: RON 250,000 – RON 1,000,000 ↩

Covers emergency medical treatment costs incurred abroad due to sudden illness (including Covid-19) or accident needed to restore health sufficiently for return/transport to Romania. Includes medical examinations, doctor fees, hospitalisation, surgery, medications, orthopaedic aids, transport to hospital, pregnancy complications (before week 30), decompression chamber, continuation of treatment in Romania (up to limit in benefit table), and telephone calls to Assistance Service (up to 250 RON per event). Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.

Va vom rambursa costurile tratamentului medical in cazul in care trebuie sa urmati un tratament medical de urgenta in timpul calatoriei in strainatate din cauza unei boli subite (inclusiv Covid19) sau a unui accident pentru a va restabili sanatatea in masura in care va permite sa va intoarceti sau sa fiti transportat la domiciliu sau la un spital de pe teritoriul Romaniei.

[50] Medical transport: RON 250,000 – RON 1,000,000 ↩

Transport to the nearest hospital or between hospitals where the current facility cannot provide adequate care, as well as transport to accommodation after coordination with the Assistance Service, are covered within the overall medical expenses limit. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.

Transportul la cel mai apropiat spital sau la alt spital, daca institutia medicala respectiva nu ofera ingrijiri adecvate pentru sanatatea dumneavoastra, precum si transportul pana la cazare, dupa coordonarea cu Serviciul de Asistenta;

[51] COVID-19 treatment: RON 250,000 – RON 1,000,000 ↩

COVID-19 medical treatment is covered within the overall medical expenses limit (Silver: 250,000; Gold: 500,000; Platinum: 1,000,000 RON). Additionally, documented costs for accommodation, food and transport are covered when the insured is placed in mandatory quarantine by local health authorities due to COVID-19 confirmed by a positive test, when quarantine does not end before the planned end of the trip (quarantine sub-limit: Silver 5,000; Gold 7,500; Platinum 15,000 RON). Return transport is also covered if planned transport cannot be used.

Carantina ca rezultat al COVID-19, cand carantina nu se va incheia pana la data incheierii planificate a calatoriei. Costurile documentate, pana la limita maxima mentionata in Tabelul de beneficii, pentru cazare, mancare si transport sunt acoperite daca trebuie sa va prelungiti sederea in strainatate, deoarece ati fost plasat in carantina obligatorie de catre autoritatile locale de sanatate din cauza COVID-19

[52] Personal liability: RON 200,000 – RON 1,000,000 ↩

Covers accidental damages caused to third parties for which the insured is legally liable during travel abroad. Bodily injury liability: Silver 200,000; Gold 300,000; Platinum 1,000,000 RON. Property damage liability (including hotel liability): Silver 25,000; Gold 50,000; Platinum 50,000 RON. Agreed limit applies to all claims arising during the insured trip. Excludes: contractual liability; damage to family members or animals in care; intentional damage; wild/exotic animals in care; rented/borrowed property (except hotel room); normal wear; lost profits; damage to documents, art, computer files; non-personal activities; IP violations; disease transmission; motor vehicles/vessels/machinery operated by insured; environmental damage; weapons possession; aerial sports; alcohol/drug-influenced events; claims below 50 RON; criminal penalties and administrative fines.

Asigurarea este incheiata in cazul in care, pe durata calatoriei dvs. sau a partenerul dvs. de calatorie, de asemenea asigurat, provocati daune accidentale pentru care dvs. sunteti legal raspunzator si se depune o cerere de despagubire impotriva dvs.

[53] Emergency dental: RON 1,500 ↩

Emergency dental treatment in cases of severe pain and inflammatory processes, up to 1,500 RON for all conditions arising during the insurance period that require immediate medical care. Permanent crowns and dentures are excluded. Limit is identical across all tiers: Silver, Gold, Platinum.

Tratament dentar de urgenta, in caz de durere severa si procese inflamatorii, in valoare de pana la 1.500 RON pentru toate afectiunile care au survenit in perioada de asigurare si care necesita asistenta medicala imediata.

[54] Search & rescue: RON 50,000 – RON 1,000,000 ↩

Covers costs of search and rescue operations in mountains and at sea. Search services run from notification that the insured is missing until found or the search is abandoned. Rescue services cover from finding the insured until transfer to medical services, including first aid. Does not cover presumed kidnapping risk. Silver: 50,000 RON; Gold: 1,000,000 RON; Platinum: 1,000,000 RON.

Noi, prin Serviciul de Asistenta, vom acoperi si rambursa costurile cautarii si salvarii dvs. de pe munte sau in largul marii. ... Asiguratorul nu va acoperi costurile in cazul unui presupus risc de rapire.

[55] Legal assistance: RON 75,000 ↩

Covers legal costs incurred abroad by the insured to bring a claim against a third party that caused bodily injury, death or illness during the insured trip outside Romania. Includes lawyer fees, court/arbitration costs, expert fees and costs incurred in appeal proceedings. Prior written consent from the insurer is required before incurring legal costs. Limit is 75,000 RON across all tiers: Silver, Gold, Platinum. Excludes: costs defending civil claims against the insured; criminal/administrative proceedings against insured; claims against travel agents/tour operators/insurers; claims reported more than 1 year after the event; costs of proceedings against Colonnade.

Asistenta legala: Va vom plati despagubiri in limita sumei asigurate specificata in polita de asigurare

[56] Emergency medical treatment: RON 250,000 – RON 1,000,000 ↩

Emergency medical examinations and treatment recommended by a doctor, including outpatient visits, hospitalisation and surgical interventions whose necessity cannot be deferred until return to Romania, are all included within the overall medical expenses limit. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.

Examinari medicale si tratament recomandat de un medic; consultatii si onorarii medicale; consultatii medicale la locul unde sunteti cazat;

[57] Hospitalization: RON 250,000 – RON 1,000,000 ↩

Hospitalisation including surgical interventions whose necessity cannot be deferred until return to Romania is covered within the overall medical expenses limit. The Assistance Service selects the most appropriate hospital, arranges admission, organises ambulance transport, informs the hospital of payment conditions and maintains constant contact. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.

Internarea in spital, inclusiv pentru interventii chirurgicale, a caror necesitate nu poate fi amanata pana la intoarcerea in Romania. Serviciul de Asistenta va va indruma catre un spital adecvat, va va asigura spitalizarea, va organiza transport medical specializat la spital, va informa spitalul cu privire la conditiile de plata si va mentine un contact constant cu reprezentantii spitalului;

[58] Outpatient treatment: RON 250,000 – RON 1,000,000 ↩

Outpatient medical examinations, doctor consultations and treatments recommended by a doctor are covered within the overall medical expenses limit. Covered across all tiers. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.

Examinari medicale si tratament recomandat de un medic; consultatii si onorarii medicale; consultatii medicale la locul unde sunteti cazat;

[59] Medical evacuation: RON 250,000 – RON 1,000,000 ↩

The Assistance Service arranges and covers the cost of transporting the insured to a hospital or their residence in Romania if their health condition requires it and the previously planned transport cannot be used. The Assistance Service decides if such transport is necessary and feasible. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.

Repatriere medicala: Serviciul de Asistenta asigura, organizeaza si acopera costurile transportului dvs. la un spital sau la domiciliul dvs. pe teritoriul Romaniei, daca starea dumneavoastra o impune si daca mijloacele de transport planificate in prealabil nu pot fi utilizate.

[60] Repatriation of remains: Covered ↩

In the event of the insured's death abroad, the Assistance Service organises repatriation of the remains to Romania. A coffin required for repatriation is also covered (up to 1,000 RON). The method of repatriation is determined by the Assistance Service. Costs are covered up to the amount that the Assistance Service would have incurred for repatriation to Romania. Included across all tiers.

Repatrierea in caz de deces: In cazul decesului Persoanei asigurate, Serviciul de Asistenta va organiza repatrierea asiguratului pe teritoriul Romaniei. Sunt acoperite si costurile unui sicriu, care este necesar pentru repatriere (pana la 1.000 de RON). Metoda de repatriere este determinata de Serviciul de Asistenta.

[61] Pre existing conditions: Excluded ↩

Chronic diseases (diagnosed, treated, or symptomatic in the 24 months prior to policy signing) are generally excluded from medical expense coverage. However, emergency medical treatment and acute exacerbation of a stabilised chronic disease occurring during the insurance period is covered as a conditional sub-limit of 10% of the medical expenses insured sum (Silver: 25,000; Gold: 50,000; Platinum: 100,000 RON). Treatment that could be deferred until return to Romania is excluded. Stabilised chronic disease is defined as a disease that in the 6 months before departure did not indicate a need for medical attention, medication change, or hospitalisation during travel.

Examinari medicale de urgenta si tratament ca urmare a unei exacerbari bruste a unei boli cronice care a survenit in timpul perioadei de asigurare, cu o limita de pana la 10% din suma asigurata pentru acoperirea „Costurile tratamentului si asistentei medicale”.

[62] Winter sports cover: RON 250,000 – RON 1,000,000 ↩

Optional add-on extending medical expenses and assistance coverage to winter sports. Also covers: permanent disability or accidental death from ski accident; theft/damage to ski/snowboard equipment; ski equipment rental costs; ski pass reimbursement (100 RON/day); benefit for closed ski slopes (100 RON/day, max 1,200 RON); third-party liability on ski slopes. Medical expenses covered up to the overall medical limit per tier. Can only be purchased by persons under 70 years of age at policy start.

Achizitionand asigurarea pentru Sporturile de iarna, aria de acoperire a asigurarii este extinsa asupra Sporturilor de iarna. Astfel sunt acoperite: a) cheltuielile medicale si serviciile de asistenta; b) invaliditatea permanenta sau deces ca urmare a unui accident;

[63] Adventure sports cover: RON 250,000 – RON 1,000,000 ↩

Optional add-on extending the policy to cover extreme/risk sports and competitions. Covers: medical expenses and assistance for injuries from extreme sports; permanent disability or accidental death from extreme sports accidents; compensation for unused services if the trip must be cut short for health reasons; theft/damage of sports equipment; rental of replacement sports equipment. Medical expenses covered up to the overall medical limit per tier. Can only be purchased by persons under 70 years of age at policy start.

Achizitionand asigurarea pentru Sporturi Extreme si Competitii, aria de acoperire a prezentei asigurari se extinde asupra sporturilor cu factor de risc (Sporturi extreme si competitii), excluderea aferenta din Excluderile Generale se anuleaza.

[64] Pregnancy complications: RON 250,000 – RON 1,000,000 ↩

Covered within the overall medical expenses limit when complications arise before the 30th week of pregnancy requiring immediate medical care. Includes doctor visit, transport to hospital and hospitalisation. Preventive examinations and routine prenatal consultations are not covered. Childbirth after week 30 is excluded. Silver: 250,000 RON; Gold: 500,000 RON; Platinum: 1,000,000 RON.

Vizita la medic, transport la spital si spitalizarea din cauza complicatiilor sarcinii care au aparut inainte de a 30-a saptamana de sarcina si necesita asistenta medicala imediata. Cheltuielile pentru examinari preventive si consultatii in timpul sarcinii nu sunt acoperite.

[65] Medical expenses: €10,000 – €50,000 ↩

Covers emergency inpatient hospitalisation (standard costs, excluding prostheses/implants) and emergency outpatient treatment (medical care, medications) arising from accidents or sudden illness during travel abroad. Covered up to the insured sum stated in the policy. Tier limits: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR per insured person. Home-visit costs (e.g. hotel room) not covered. Coverage ceases when the insured meets the medical conditions for repatriation to Romania.

Asistență medicală de urgență în caz de Accidente si îmbolnăviri. 10.000 EUR 30.000 EUR 50.000 EUR

[66] Medical transport: €5,000 ↩

Covers emergency transfer of the insured from the incident location to the nearest medical facility (air ambulance, commercial flight, ground ambulance), including medical escort costs if medically necessary. Also covers transfer between medical facilities for better-equipped care. Limit: 5,000 EUR, identical across all three tiers (Relaxat, Echilibrat, Zen). Decisions are made jointly by the insurer's medical team and the attending physician.

Eurolife organizează și acoperă transferul Asiguratului de la locul incidentului la cea mai apropiată Unitate medicală (inclusiv, dar fără a se limita la, ambulanță aeriană, zbor comercial de linie și ambulanță terestră)... Cheltuielile de transport vor fi acoperite in limita a 5.000 EUR.

[67] COVID-19 treatment: €10,000 – €50,000 ↩

As an exception to the general pandemic/epidemic exclusion, medical expenses arising from a COVID-19 diagnosis during travel are covered within the standard emergency medical assistance limit. For trip cancellation cover (Zen package only): cancellation due to COVID-19 diagnosis requiring hospitalisation, isolation or mandatory quarantine during the planned travel period is also covered, provided a positive PCR test is evidenced. Quarantine/isolation costs imposed by authorities without medical treatment are not covered. Routine testing is not covered.

Ca excepție vor fi acoperite cheltuielile medicale determinate de diagnosticarea Asiguratului cu Covid 19 pe durata călătoriei, precum și anularea călătoriei ca urmare a diagnosticării Asiguratului cu Covid 19

[68] Personal liability: €5,000 ↩

Covers material damages and bodily injuries caused by the insured to third parties during travel, as a result of negligent acts for which the insured is liable under the law of the country where the damage occurred. Limit: 5,000 EUR per policy (per event and in aggregate), regardless of number of insured persons, identical across all three tiers. Excludes: intentional acts, vehicle use, professional activities, contractual obligations, moral damages, pure financial losses, and many other standard exclusions. The settlement requires Eurolife's approval.

Eurolife acoperă daune materiale sau Vătămări corporale cauzate de Asigurat unor Terți pe durata călătoriei ca urmare a unor Fapte săvârșite din culpă

[69] Emergency dental: €150 – €300 ↩

Covers emergency dental treatment for immediate pain relief and/or emergency repair of dental prostheses or artificial teeth (only to ease mastication), at standard reasonable costs. Prostheses, reconstruction and fillings are excluded. Tier limits: Relaxat = 150 EUR; Echilibrat = 300 EUR; Zen = 300 EUR per insured person.

cheltuielile cu Tratamentul dentar de urgență pentru calmarea imediată a durerii și/sau pentru reparații de urgență a protezelor dentare sau a dinților artificiali, dar numai pentru a ușura procesul de masticație

[70] Search & rescue: €300 – €1,000 ↩

Covers search and rescue costs when the insured needs medical assistance following bodily injury or illness. Services must be provided by specialised entities and include first aid at the incident site and transport costs (including special means such as sled, toboggan, helicopter, motor boat) to the nearest medical facility. Tier limits: Relaxat = 300 EUR; Echilibrat = 1,000 EUR; Zen = 1,000 EUR per insured person.

Eurolife va acoperi costurile de căutare și salvare ale Asiguratului care are nevoie de asistență medicală în urma Vătămării corporale sau Îmbolnăvirii.

[71] Legal assistance: Excluded ↩

No standalone legal assistance coverage is provided. Court costs may be reimbursed as part of the civil liability cover (personal liability) only when they arise from a covered claim involving third-party bodily injury or material damage.

Contravaloarea cheltuielilor de judecată acoperite, conform documentelor justificative.

[72] Emergency medical treatment: €10,000 – €50,000 ↩

Included within the overall emergency medical assistance limit. Covers inpatient hospitalisation for at least one day and outpatient emergency treatment at a medical clinic, both at standard reasonable costs. Prostheses and implants are excluded. Tier limits follow the overall insured sum: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR.

Cheltuielile de mai sus sunt acoperite în limita maximă menționată în Polița de asigurare pentru această acoperire și până la momentul la care Asiguratul îndeplinește condițiile medicale pentru repatrierea în România

[73] Hospitalization: €10,000 – €50,000 ↩

Standard and reasonably valued hospitalisation costs (excluding prostheses/implants) for inpatient admission of at least one day when medically necessary. Covered within the overall emergency medical assistance limit: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR. Special hospitalisation conditions requested by the insured without doctor's recommendation (private room, phone, TV, massages, etc.) are not covered.

a) Cheltuielile cu Asistența medicală de urgență în spital (Cheltuielile de spitalizare) care sunt standard și au o valoare rezonabilă (cu excepția cheltuielilor în legătură cu orice tip de proteză/implant), pentru internarea Asiguratului în spital cel puțin o zi

[74] Outpatient treatment: €10,000 – €50,000 ↩

Covers outpatient emergency medical care or surgery at a clinic, and prescribed medications, at standard reasonable costs (excluding prostheses/implants), based on a medical prescription. Covered within the overall emergency medical assistance limit: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR. Home visit costs at temporary accommodation (e.g. hotel room) are not covered.

b) Cheltuielile cu Asistența medicală de urgență în ambulatoriu (Cheltuielile medicale și cheltuielile cu medicamentele)... Costurile unei vizite la domiciliul temporar (precum dar nelimitat la camera de hotel sau alte asemenea) din străinătate nu sunt acoperite.

[75] Medical evacuation: €5,000 – €10,000 ↩

Eurolife organises and covers the repatriation of the insured to their home locality in Romania or to a nearby medical facility once the medical condition permits. The insurer's medical team and attending physician determine the timing and transport mode. Air ambulance is limited to continental transport. Limit: 5,000 EUR (Relaxat) / 10,000 EUR (Echilibrat, Zen) per insured person. If the insured refuses repatriation, further medical expenses are only covered up to the repatriation limit.

Eurolife va organiza și va acoperi repatrierea Asiguratului către localitatea de domiciliu sau către o Unitate medicală situată lângă domiciliul Asiguratului din România unde acesta poate primi tratamentul medical adecvat, dacă starea medicală a acestuia o permite.

[76] Repatriation of remains: €5,000 – €10,000 ↩

Covers repatriation of the insured's mortal remains to Romania following death abroad due to sudden illness or accident. Includes coffin costs up to 1,500 EUR (deducted from the repatriation limit). Also covers incineration and transport of ashes to Romania or burial abroad if requested by relatives. Transport costs covered up to 5,000 EUR within the overall limit. Tier limits: Relaxat = 5,000 EUR; Echilibrat = 10,000 EUR; Zen = 10,000 EUR per insured.

În cadrul acestei acoperiri este inclus și costul sicriului, în limita a 1.500 EUR care se deduc din limita acoperirii de Repatriere în caz de deces prezentată în cadrul Tabelului de Acoperiri.

[77] Pre existing conditions: €300 ↩

Pre-existing, recurrent, chronic, degenerative or continuous conditions known to the insured at the policy issuance date are not covered, regardless of whether symptoms were visible. Conditions diagnosed after the policy start but showing prior symptoms or for which investigations were conducted before the policy are also excluded. As an exception, emergency medical assistance to save the insured's life or relieve acute pain during the trip is covered up to a maximum of 300 EUR.

Ca excepție, pe durata călătoriei sunt acoperite cheltuielile cu asistența medicală pentru salvarea vieții sau calmarea durerii acute până la limita maximă de 300 EUR.

[78] Winter sports cover: €10,000 – €50,000 ↩

Winter sports (ski on groomed slopes, snowboard on groomed slopes, monoski on groomed slopes, snowblading, skiing on glacier, cross-country skiing on marked trails, snowmobiling, snowshoes) are covered as part of the optional leisure sports extension when the insured declares their intention to practise these activities and pays the additional premium. Off-piste skiing, acrobatic skiing, helicopter skiing, skeleton and bob are explicitly excluded even with the extension. An exception to the principal-purpose rule applies: sports tourism for golf and winter sports is permitted as the main purpose of travel.

Monoski pe pârtii amenajate ... Snowblading/ Skiboarding / Skiblading pe pârtii amenajate

[79] Adventure sports cover: €10,000 – €50,000 ↩

A wide range of leisure/adventure sports (e.g. bungee jumping, scuba diving with certifications, kayak/canoe on rivers up to class 3, mountain rafting up to class 3, horse riding, surfing, kitesurfing, windsurfing, karting, zorbing, abseiling, rope courses, tiroliana, water polo, sailing within 20 nautical miles of coast, and many others listed in Art. 5.3.6.2) are covered as an optional extension when declared and additional premium paid. Extreme variants (off-piste, BASE jumping, skydiving, extreme alpinism, free diving, cave diving, etc.) remain excluded. Covered within the overall emergency medical assistance insured sum: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR.

Bungee jumping (sărituri cu coarda elastică) ... Caiac / Canoe (pe râuri de maxim clasa 3*)

[80] Pregnancy complications: Excluded ↩

Pregnancy, childbirth, voluntary abortion, infertility, contraception, IVF, prenatal check-ups and any related complications are explicitly excluded from all packages. As a sole exception for trip cancellation (Zen package), premature birth of the insured's child or grandchild before week 37 of pregnancy occurring up to 7 days before the trip start is a covered cancellation trigger.

Sarcină, naștere, avort voluntar, infertilitate, contracepție, FIV (fertilizare în vitro), controale ale sarcinii și orice complicații ale acestora; Ca excepție, anularea călătoriei ca urmare a nașterii premature a unui copil sau nepot al Asiguratului (înainte de săptămâna 37 de sarcină), cu maxim 7 zile înainte de data plecării în călătorie va fi acoperită.

[81] Medical expenses: €15,000 – €50,000 ↩

Garanta Explorer covers medical assistance and related transport expenses incurred due to an insured risk occurring during the trip abroad, according to the selected package. Medical expenses (outpatient and hospitalization) are included in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

[82] Medical transport: €15,000 – €50,000 ↩

Medical transport costs are covered as part of the medical assistance benefit included in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

[83] COVID-19 treatment: Covered ↩

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

[84] Personal liability: €1,000 – €5,000 ↩

Personal liability cover is not included in the Basic package. It is included up to 1,000 EUR in the Extra package and up to 5,000 EUR in the Premium package.

Personal Liability V 1.000 € 5.000 €

[85] Emergency dental: €150 – €350 ↩

Emergency dental treatment is covered up to 150 EUR (Basic), 250 EUR (Extra) and 350 EUR (Premium).

Emergency dental treatment 150 € 250 € 350 €

[86] Search & rescue: €10,000 ↩

Search and rescue costs are covered under the optional Winter Sports Package, up to 10,000 EUR, when amateur winter sports (ski, snowboarding and others) are selected; not a standard inclusion.

Search and rescue costs 10.000 €

[87] Legal assistance: Covered ↩

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

[88] Emergency medical treatment: €15,000 – €50,000 ↩

Emergency medical treatment forms part of the medical expenses coverage included in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

[89] Hospitalization: €15,000 – €50,000 ↩

Hospitalization is included within the medical expenses coverage in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

[90] Outpatient treatment: €15,000 – €50,000 ↩

Outpatient treatment is included within the medical expenses coverage in all packages, subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

[91] Medical evacuation: €15,000 – €50,000 ↩

Medical evacuation is included under the 'Repatriation' line in all packages (Basic, Extra, Premium), subject to the maximum insured amount: 15,000 EUR (Basic), 30,000 EUR (Extra), 50,000 EUR (Premium).

Maximum Insured Amount 15.000 € 30.000 € 50.000 €

[92] Repatriation of remains: Covered ↩

Body repatriation is included in all packages (Basic, Extra, Premium), subject to the maximum insured amount.

Body Repatriation Z Z Z

[93] Pre existing conditions: Covered ↩

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

[94] Winter sports cover: Optional ↩

Optional Winter Sports Package covering amateur practice of winter sports (ski, snowboarding and others): search and rescue costs up to 10,000 EUR; reimbursement of ski pass costs up to 250 EUR; benefit in case of closure of ski slopes of 20 EUR/day/person (max 200 EUR); reimbursement of ski equipment rental costs of 20 EUR/day/person (max 200 EUR).

Amateur practice of winter sports (ski, snowboarding and others) Z Search and rescue costs 10.000 € Reimbursement of costs of a ski pass 250 € Benefit in case of closure of ski slopes 20 €/day/person (max 200 €) Reimbursement of costs of ski equipment rental 20 €/day/person (max 200 €)

[95] Adventure sports cover: Optional ↩

Garanta Explorer mentions specialized covers available beyond the standard package for those who are "more than a regular explorer". Specific adventure sports coverage details and limits not found in official public sources.

More than a regular explorer? Apply for the specialized covers!

[96] Pregnancy complications: Covered ↩

Not explicitly confirmed or excluded in available official Garanta Explorer public sources. Specific coverage and limits not found.

[97] Baggage loss: €500 ↩

Baggage loss or damage is covered up to 500 EUR under the Extra and Premium packages; not included in the Basic package.

Baggage loss or damage V 500 € 500 €

[98] Baggage delay: €150 ↩

Baggage delay of more than 6 hours is covered up to 150 EUR under the Extra and Premium packages; not included in the Basic package.

Baggage delay V 150 € (more than 6h delay) 150 € (more than 6h delay)

[99] Flight delay: €150 ↩

Flight delay of more than 6 hours is covered up to 150 EUR under the Extra and Premium packages; not included in the Basic package.

Flight delay V 150 € (more than 6h delay) 150 € (more than 6h delay)

[100] Loss of documents: €250 ↩

Loss of documents is covered up to 250 EUR under the Premium package only; not included in Basic or Extra.

Loss of documents V V 250 €

[101] Trip curtailment: €1,000 ↩

Trip curtailment is covered up to 1,000 EUR under the Premium package only; not included in Basic or Extra.

Curtailment V V 1.000 €

[102] Trip cancellation: €1,000 ↩

Optional Trip Cancellation cover (including flight tickets) reimburses up to 1,000 EUR per person; available as a separate specialized cover beyond the standard package.

Trip Cancellation (including flight tickets) 1.000 € / person

[103] Medical expenses: €50,000 ↩

Covers emergency medical expenses (outpatient and inpatient) for accidents and/or illnesses occurring during travel abroad, including COVID-19. Confirmed sums insured (per the generali.ro online quote calculator): up to 50,000 EUR for Europe and Worldwide excluding USA/Canada/Israel; up to 15,000 EUR for Worldwide including USA/Canada/Israel. The sum insured for the Turist Economic tier is not stated in the attached sources. Includes ambulatory consultations, diagnostic tests, treatments, medications, surgery, hospitalization, transport by ambulance to nearest hospital and potential transfer to another hospital if necessary. Emergency dental is included as a sublimit (see emergency_dental). In case of hospitalization without prior notification of the assistance company, Generali reimburses up to 1,500 EUR.

Sumele asigurate maxime sunt: Europa: 50.000 euro; Întreaga Lume fără SUA, Canada, Isreal: 50.000 euro; Întreaga Lume inclusiv SUA, Canada, Isreal: 15.000 euro.

[104] Medical transport: €5,000 – €50,000 ↩

Covers ambulance transport to the nearest medical unit and any transfer to another hospital if necessary. Also covers urgent medical transport of medications from the nearest depot. Costs for searching for the insured who has suffered an accident are explicitly excluded. Covered within the overall medical expenses sum insured per tier.

Transportul cu ambulanța la cea mai apropiată unitate medicală și eventualul transfer la un alt spital în caz de necesitate

[105] COVID-19 treatment: €2,000 ↩

COVID-19 (SARS-CoV-2) medical expenses are included in the base emergency medical coverage (Art. 2.1.1 and 2.1.2). Additionally, the COVID-19 supplementary clause (Mod 403 COVID annex) specifically covers: emergency medical expenses up to 2,000 EUR for COVID-19; medical repatriation or repatriation of remains up to 1,000 EUR for COVID-19; quarantine accommodation/food and return transport up to 500 EUR/person from the insured sum. A positive RT-PCR or rapid antigen test from an authorized medical facility is required as proof. Quarantine costs are covered only with a confirmed positive test and official quarantine order; preventive quarantine without a positive test is not covered.

Asistența medicală în caz de urgență în regim ambulatoriu, inclusiv ca urmare a contractării virusului SARS-Cov 2 (Covid-19)

[106] Personal liability: Optional ↩

Optional supplementary coverage for the insured's civil tort liability towards third parties for direct damages caused through culpable unlawful acts during travel abroad. Covers bodily injury to third parties (not family members, employees or travel partners) and material damage to property not belonging to, under the responsibility of, or controlled by the insured or family. The limit is the sum insured stated in the Policy for this coverage (Art. 1.1), applicable both per insured event and cumulatively for the entire insurance period (Art. 1.6); the attached Terms do not specify a numeric euro amount for either the Turist or Turist Plus Premium tier. Must be selected at policy issuance. Numerous specific exclusions apply (e.g., vehicle accidents, professional liability, animal damage, intentional acts).

Conform prezentei Acoperiri și în limita sumei asigurate menționate în Poliță pentru această acoperire, Generali acoperă răspunderea civilă delictuală a Asiguratului față de terțe persoane... Limita maximă de despăgubire stabilită în Poliță este valabilă atât per eveniment asigurat, cât și cumulat pentru întreaga perioadă de asigurare.

[107] Emergency dental: €300 ↩

Emergency dental treatment necessary to directly relieve acute pain and pain caused by accidents, for up to 2 teeth. The limit is 150 EUR per tooth (maximum 300 EUR total). Included in base emergency medical coverage; routine dental care (prophylaxis, root canal except for acute pain, orthodontics, periodontal diseases, artificial teeth, crowns, bridges, dental aesthetics) is excluded.

Tratament dentar de urgență, necesar pentru calmarea directă a durerilor acute și a celor cauzate de accidente, pentru cel mult 2 dinți. Limita în acest caz este de 150 Euro pentru un dinte.

[108] Search & rescue: Excluded ↩

Search costs for an insured who has suffered an accident are explicitly excluded from coverage (Art. 2.1.3 excludes search costs; Art. 3.1.13 excludes searching for the insured). First-aid pickup at the scene and ambulance transport to the nearest medical facility are covered as part of the emergency medical expenses coverage, but organized search-and-rescue operations are not covered.

Preluarea asiguratului de către serviciile de prim-ajutor și salvare, respectiv cheltuielile ocazionate de acordarea primului ajutor medical de urgență la fața locului, rămânând excluse costurile de căutare

[109] Legal assistance: Excluded ↩

Dedicated legal assistance coverage is not offered as a distinct coverage component under this product. The civil liability coverage (optional) includes coverage for court costs and expenses arising from the insured's civil liability in the event of damages caused to third parties, but standalone legal assistance is not available.

[110] Emergency medical treatment: €5,000 – €50,000 ↩

Covers emergency outpatient medical care including consultations, diagnostic investigations, treatments and medications necessary to save the insured's life and improve clinical condition, including COVID-19 cases. Covered within the overall medical expenses sum insured per tier: Turist Economic up to 5,000 EUR; Turist / Turist Plus Premium up to 50,000 EUR (Europe/World excl. US) or 15,000 EUR (World incl. US/Canada/Israel).

Asistența medicală în caz de urgență în regim ambulatoriu, inclusiv ca urmare a contractării virusului SARS-Cov 2 (Covid-19) (ex: consultații, investigații medicale, tratamente/măsuri necesare pentru salvarea vieții Asiguratului și ameliorarea stării clinice)

[111] Hospitalization: €5,000 – €50,000 ↩

Covers emergency inpatient hospital care including specialist medical consultations, diagnostic tests, medical and/or surgical treatments (including osteosynthesis materials), care, medication, monitoring, accommodation and meals, and day hospitalization for medico-surgical emergencies requiring up to 12 hours of medical supervision. After expiry of the policy, hospitalization costs are covered up to 4 days post-expiry at a maximum of 500 EUR/day/insured. Coverage is within the overall medical expenses sum insured: Turist Economic up to 5,000 EUR; Turist / Turist Plus Premium up to 50,000 EUR or 15,000 EUR depending on territory.

asistența medicală spitalicească în regim de spitalizare continuă în caz de urgențe și urgențe medico-chirurgicale... cuprinde următoarele servicii: consultații medicale de specialitate, investigații, tratamente medicale și/sau chirurgicale (inclusiv costurile materialului de osteosinteză), îngrijire, medicație, monitorizare și supraveghere, cazare și masă

[112] Outpatient treatment: €5,000 – €50,000 ↩

Outpatient emergency medical treatment is included within the overall medical expenses coverage. Covers consultations, diagnostic investigations, treatments/measures necessary to save the insured's life, improve clinical condition, and prescribed medications. Covered within the overall medical expenses sum insured: Turist Economic up to 5,000 EUR; Turist / Turist Plus Premium up to 50,000 EUR or 15,000 EUR depending on territory.

Asistența medicală în caz de urgență în regim ambulatoriu, inclusiv ca urmare a contractării virusului SARS-Cov 2 (Covid-19) (ex: consultații, investigații medicale, tratamente/măsuri necesare pentru salvarea vieții Asiguratului și ameliorarea stării clinice)

[113] Medical evacuation: Covered ↩

Covers medical repatriation of the insured from a foreign hospital to a Romanian hospital or to the insured's home in Romania if unable to travel due to an accident or illness (including COVID-19). Medical repatriation is organized exclusively by Generali through Europ Assistance and is carried out only when the insured is medically transportable after biological stabilization and the estimated hospitalization period exceeds 5 days. A medical escort may accompany the insured if medically necessary. Costs of transport in Romania not organized by the assistance company are not covered. Covered within the overall medical expenses sum insured. For COVID-19 repatriation, the COVID-19 clause limits repatriation to 1,000 EUR.

Repatrierea medicală a Asiguratului se organizează doar de către Generali prin intermediul Companiei de Asistență, doar în cazul în care Asiguratul este transportabil din punct de vedere medical după ce a fost stabilizat biologic și perioada de internare estimată este mai mare de 5 zile.

[114] Repatriation of remains: Covered ↩

Covers the repatriation of the insured's remains from abroad to their home address or place of burial in Romania following death due to an insured risk (including COVID-19). Organized by Generali through Europ Assistance. If death is due to chronic/pre-existing conditions and the purpose of travel was not treatment of those conditions, repatriation of remains is covered up to a limit of 3,000 EUR. If repatriation is organized without Generali's prior approval, costs are covered up to 1,000 EUR. Children of the deceased are transported back to Romania at Generali's expense.

Generali va acoperi costurile de repatriere a corpului neînsuflețit al Asiguratului decedat pana la limita de 3.000 Euro.

[115] Pre existing conditions: €1,000 ↩

Pre-existing conditions and their consequences are generally excluded. Exception: if during travel abroad, medical care involves emergency life-saving measures or measures to relieve acute pain, these are covered up to a maximum of 1,000 EUR (Art. 3.1.1). In the event of death from chronic/pre-existing conditions where the purpose of travel was not treatment of those conditions, repatriation of remains is covered up to 3,000 EUR. For trip cancellation (Storno), death or illness due to chronic/pre-existing conditions is covered up to 300 EUR/person (without the 10% deductible).

afecțiuni preexistente și consecințele acestora, exceptând cazul în care pe durata călătoriei in străinătate, asistența medicală implică măsuri de urgență pentru salvarea vieții Asiguratului sau măsuri ce urmăresc calmarea durerii acute ce vor fi acoperite până la suma maximă de 1.000 Euro

[116] Winter sports cover: Optional ↩

Coverage for accidents during high-risk activities listed in Annex 2, including winter sports (Alpine skiing, snowboarding, ski touring off-piste, snowmobile, snow rafting, etc.), is available as an optional paid supplement called 'eXtreme Adventure' (Art. 12 supplementary coverage). Must be selected at the time of policy issuance. Covered up to altitude limit of 4,500 m. Sum insured is the same as the overall medical expenses limit per tier. Specific exclusions apply per activity (e.g., no ski jumping, aerobatic maneuvers, freestyle/freeride snowboarding).

Ski Alpin / Snowboarding / Ski de tura (off-piste) Numai pentru schi convențional... Asiguratul trebuie să urmeze codul Federației Internaționale de Schi sau reglementările stațiunii.

[117] Adventure sports cover: Optional ↩

Coverage for accidents during high-risk activities listed in Annex 2 (including abseiling, bungee jumping, paragliding, skydiving, rock climbing up to 4,500 m, kayaking grades 1-4, river rafting grades 1-4, kitesurfing, scuba diving, mountain biking, trekking, etc.) is available as an optional paid supplement 'eXtreme Adventure'. Coverage applies for recreational purposes and competitions/training up to altitude limit of 4,500 m. Activities not listed in Annex 2 are not covered. Specific exclusions apply per activity (e.g., no base jumping, wingsuit flying, cave diving, motor sports, expeditions to remote regions).

se extinde acoperirea Condițiilor Particulare pentru cazurile de accidente suferite de Asigurat ca urmare a practicării pe durata călătoriei în străinătate, a activităților menționate în Anexa 2, în scop de agrement sau ca urmare a participării la cantonamente, concursuri, competiții, până la limita a 4500 m altitudine

[118] Pregnancy complications: Conditional ↩

Pathological (illness-related) situations arising from pregnancy under 26 weeks are covered within the base emergency medical expenses. Pregnancy over 26 weeks, childbirth and voluntary termination of pregnancy are excluded. For trip cancellation (Storno), medical inability to travel due to pregnancy-related causes (pathological situations) up to 26 weeks is covered as an insured risk, subject to specific conditions regarding when the pregnancy was discovered.

starea de graviditate pentru sarcini peste 26 de săptămâni, nașterea, întreruperea voluntară a sarcinii. Pentru sarcina sub 26 săptămâni vor fi acoperite exclusiv situațiile patologice (îmbolnăvirea) legate de starea de graviditate

[119] Medical expenses: Not established from the insurer's documents ↩

Covers outpatient medical consultations, medicines, laboratory tests, other investigations, emergency medical transport, physician transport, ophthalmological and dental medical assistance (accident-related). Varies by tier: Economic (2,000 EUR), Standard (5,000 EUR), Premium (10,000 EUR), Suprem (30,000 EUR).

POLITA ECONOMIC suma asigurata 2.000 Euro, pret de la 20 Lei/8 zile

[120] Medical transport: Not established from the insurer's documents ↩

Economic: emergency medical transport max 100 EUR and physician transport max 50 EUR. Standard, Premium and Suprem: emergency transport is included within the hospitalization limit (1,500 / 2,500 / 6,500 EUR).

Transport sanitar de urgenta in valoare maxima de 100 EUR; Transport medic in valoare maxima de 50 EUR, numai daca in localitate nu exista medic si/sau diagnosticul impune deplasarea acestuia;

[121] COVID-19 treatment: Not established from the insurer's documents ↩

Optional COVID-19 clause (Clauza COVID-19) available as add-on to any medical travel policy tier, covering up to 1,000 EUR for: emergency medical costs due to COVID-19 illness during the insured period (where COVID-19 is the primary diagnosis requiring hospitalisation/quarantine/isolation/treatment), and additional repatriation costs caused directly by COVID-19 illness requiring hospitalisation/quarantine/isolation. Also covers repatriation expenses when the insured dies from COVID-19.

CLAUZA COVID-19 suma asigurata 1.000 Euro, pret 49 Lei La oricare din asigurarile medicale se poate adauga o extensie cu clauza COVID-19, care acopera, in limita a 1000 EUR

[122] Personal liability: See details ↩

Personal liability coverage is not mentioned in any of the verified sources for the GERROMA travel medical policy tiers.

[123] Emergency dental: Not established from the insurer's documents ↩

Dental medical assistance and related medication covered up to a maximum of 100 EUR, only if it is the exclusive consequence of an accident. Routine or preventive dental work is excluded.

Asistenta medicala stomatologica si medicatia aferenta, in valoare maxima de 100 EUR, numai daca reprezinta consecinta exclusiva a unui Accident.

[124] Search & rescue: Excluded ↩

Search and rescue costs are not explicitly covered in the standard travel medical policy tiers (Economic, Standard, Premium, Suprem). The ski-specific insurance (asigurarideski.ro) covers search and rescue on slopes, but that is a separate product.

Sume asigurate generoase, cautare si salvare, transport sanitar de urgenta de pe partie, asigurare valabila si in Romania si multe altele.

[125] Legal assistance: See details ↩

Legal assistance coverage is not mentioned in any of the verified sources for the GERROMA travel medical policy tiers.

[126] Emergency medical treatment: Not established from the insurer's documents ↩

Emergency medical assistance included in all tiers within the overall insured sum. Covers acute illness and accident treatment. A second medical consultation justified in relation to the insured case is covered up to a maximum of 20 EUR.

POLITA ECONOMIC suma asigurata 2.000 Euro, pret de la 20 Lei/8 zile

[127] Hospitalization: Not established from the insurer's documents ↩

Hospitalization including emergency medical transport. Standard: max 1,500 EUR; Premium: max 2,500 EUR; Suprem: max 6,500 EUR. Maximum per hospitalization day is 500 EUR regardless of medical unit category, care class, or medical speciality; the discharge day is not compensated. Economic tier covers outpatient only (no hospitalization sub-limit stated).

Spitalizare in valoare maxima de 1.500 EUR, inclusiv Transport sanitar de urgenta. Valoarea maxima a unei zile de spitalizare suportata de Asigurator in cazul aparitiei unui Eveniment asigurat nu va depasi suma de 500 EUR, indifferent de categoria unitatii medicale, clasa de ingrijire si specialitatea medicala, fara a lua in calcul ziua externarii care nu este despagubita;

[128] Outpatient treatment: Not established from the insurer's documents ↩

Outpatient medical consultations, medicines, laboratory tests, and other investigations are covered across all tiers within the overall insured sum. Economic tier sub-limits: consultations 30 EUR; medicines 50 EUR; laboratory tests 50 EUR; other investigations 50 EUR; second consultation 20 EUR (all within the 2,000 EUR overall sum).

Consultatii medicale ambulatorii in valoare maxima de 30 EUR; Medicamente in valoare maxima de 50 EUR; Analize de laborator ... in valoare maxima de 50 EUR; Alte investigatii ... in valoare maxima de 50 EUR; A doua consultatie medicala ... in valoare maxima de 20 EUR;

[129] Repatriation of remains: Not established from the insurer's documents ↩

Repatriation of the insured's remains in case of death is covered within the overall policy limits. The Suprem tier additionally provides a death indemnity of 3,000 EUR to legal heirs; the Premium tier provides 2,000 EUR.

In cazul in care a survenit Decesul Asiguratului asa cum este definit in prezentele conditii de asigurare, Asiguratorul acorda mostenitorilor legali ai Asiguratului o indemnizatie in valoare de 3.000 EUR.

[130] Pre existing conditions: Excluded ↩

Pre-existing conditions are not covered. Chronic illnesses are considered pre-existing conditions. The travel medical insurance does not cover pre-existing conditions or their consequences.

Bolile cronice sunt considerate afecţiuni preexistente călătoriei. Asigurarea medicală de călătorie nu acoperă afecţiunile preexistente şi nici urmările lor.

[131] Winter sports cover: Excluded ↩

Winter sports are not covered under the standard travel medical policy (Economic, Standard, Premium, Suprem). Special winter sports insurance plans are available separately at asigurarideski.ro.

Pentru sporturile de iarnă am creat planuri de asigurare speciale, disponibile pe www.asigurarideski.ro

[132] Adventure sports cover: €10,000 ↩

Extreme and leisure sports are covered only through the Adventure insurance plan (available via asiguraridevacanta.ro). The Adventure plan covers up to 10,000 EUR with a 2,000 EUR death indemnity in case of accident as the exclusive consequence of practicing extreme or leisure sports. Standard tiers (Economic, Standard, Premium, Suprem) exclude accidents from extreme sports.

Suma maxima asigurata: 10000 Euro; indemnizatie de 2000 Euro in caz de deces ca urmare a unui accident consecinta exclusiva a practicarii unui sport extrem sau de agrement

[133] Medical expenses: €20,000 – €60,000 ↩

Covers costs resulting from necessary medical treatments in hospitals and/or by doctors outside a hospital, for acute illnesses and bodily injuries from accidents abroad. Limit: up to 30,000 EUR for individual policies and up to 60,000 EUR for family policies. Standard services only; superior services above standard are not covered.

Aceste costuri sunt limitate la valoarea maximă de 30.000 EURO pentru asigurările individuale şi la valoarea maximă de 60.000 EURO pentru asigurările familiale. Nu sunt acoperite costurile suplimentare pentru servicii superioare celor standard.

[134] Medical transport: €20,000 – €60,000 ↩

Transport of the patient, recovery costs, and rescue costs are reimbursed up to 30,000 EUR for individual and 60,000 EUR for family policies. Emergency transport within Romania, organized by the insurer's designated organization, is also covered up to the same limits when the severity of the illness/accident requires it.

Transportul bolnavului, cheltuielile de recuperare şi de salvare vor fi decontate până valoarea maximă de 30.000 EURO pentru asigurările individuale şi până la valoarea maximă de 60.000 EURO pentru asigurările familiale.

[135] COVID-19 treatment: Excluded ↩

Events resulting from epidemics or pandemics are explicitly excluded from coverage unless they fall within the coverage conditions. COVID-19 as a pandemic cause is therefore not covered.

sunt urmările unor epidemii sau pandemii;

[136] Personal liability: Covered ↩

Personal liability is listed among the travel-related risks covered by the TRAVEL policy, alongside baggage, flight and travel-document risks, per the insurer's product page. No separate limit is stated.

Asigurarea acoperă cheltuieli medicale de urgență în caz de îmbolnăvire sau accident, tratament dentar de urgență, asistență și repatriere medicală, precum și alte riscuri asociate călătoriei, inclusiv cele privind bagajele, zborul, documentele de călătorie sau răspunderea civilă.

[137] Emergency dental: Covered ↩

Emergency dental treatment needed to immediately relieve acute illness is covered within the general medical expenses limit, as the insurer's product page confirms 'tratament dentar de urgență' is covered. Restorative and prosthetic dental treatments remain excluded (CGAC II.3.2.5).

Asigurarea acoperă cheltuieli medicale de urgență în caz de îmbolnăvire sau accident, tratament dentar de urgență, asistență și repatriere medicală, precum și alte riscuri asociate călătoriei, inclusiv cele privind bagajele, zborul, documentele de călătorie sau răspunderea civilă.

[138] Search & rescue: €20,000 – €60,000 ↩

Rescue and recovery costs are covered within the general transport and recovery limit (up to 30,000 EUR individual / 60,000 EUR family). Note: ascending at high altitude without an authorized mountain guide and extreme nautical sports are explicitly excluded from coverage.

starea de sănătate este afectată la saltul cu paraşuta sau la practicarea unor activităţi similare, în timpul ascensiunii la mare înălţime fără un ghid montan autorizat sau în timpul practicării unor sporturi nautice extreme

[139] Legal assistance: €800 ↩

If the insured is arrested or in danger of arrest abroad, the assistance bureau arranges a lawyer and interpreter, covering costs up to a maximum of 800 EUR.

Dacă Asiguratul este arestat ori se află în pericol de arestare, biroul de asistenţă al asigurătorului se ocupă de angajarea unui avocat şi a unui interpret, şi decontează costurile până la valoarea maximă de 800 EURO.

[140] Emergency medical treatment: €20,000 – €60,000 ↩

Emergency medical treatment for acute illnesses and bodily injuries from accidents occurring abroad is covered within the insured sum: up to 30,000 EUR for individual, up to 60,000 EUR for family policies. The insured event must be reported immediately to the insurer's assistance bureau.

Se vor acoperi costurile ce rezultă în timp ce Asiguratul se află în afara României, în urma tratamentelor medicale necesare efectuate în spitale şi/sau de către un medic din afara unui spital, dacă evenimentul asigurat este anunţat imediat la biroul de asistenţă al Asigurătorului.

[141] Hospitalization: €20,000 – €60,000 ↩

In-patient hospital treatment abroad is covered within the general medical expenses limit (up to 30,000 EUR individual / 60,000 EUR family). In case of hospitalization, the assistance bureau establishes contact with the treating physicians. If the insured becomes untransportable, coverage may extend up to 2 months beyond the policy end date.

Dacă pe durata şederii în străinătate, ca urmare a unei boli sau a unui accident, asiguratul devine netransportabil, obligaţia de despăgubire se prelungeşte peste termenul stabilit cu maximum două luni.

[142] Outpatient treatment: €20,000 – €60,000 ↩

Outpatient treatment by doctors outside a hospital is covered within the general medical expenses limit. For repeated outpatient treatment requiring ambulatory care, the insurer's assistance bureau must be notified immediately. Up to 30,000 EUR individual / 60,000 EUR family.

în cazul spitalizărilor necesare, respectiv a îmbolnăvirilor ce necesită un tratament ambulatoriu repetat, se va înştiinţa IMEDIAT biroul de asistenţă al asigurătorului

[143] Medical evacuation: €20,000 – €60,000 ↩

Emergency transport is organized and executed by the insurer's designated organization at the insurer's expense. The necessity and means of emergency transport are decided by the designated organization. Coverage is excluded if another non-designated organization performs the transport. Limit: 30,000 EUR individual / 60,000 EUR family.

Organizaţia desemnată de asigurător decide asupra necesităţii efectuării transportului de urgenţă şi asupra mijloacelor utilizate şi îl execută pe cheltuiala asigurătorului.

[144] Repatriation of remains: Covered ↩

In the event of death, the assistance bureau organizes and covers the transport costs for the deceased insured to the locality in Romania where they are to be buried. No explicit monetary limit stated separately for this benefit; costs are organized by the assistance bureau.

Biroul de asistenţă al asigurătorului organizează şi preia costurile de transport pentru asiguratul decedat până în localitatea din România în care acesta urmează să fie înmormântat.

[145] Pre existing conditions: Excluded ↩

Events that had already occurred at the start of the trip or were foreseeable are excluded. This also applies to illnesses existing before the contract was concluded. Additionally, persons with serious conditions requiring treatment, serious physical or mental disability, or mental/nervous system disorders cannot be insured.

se produseseră deja în momentul începerii călătoriei sau erau previzibile. Această prevedere este valabilă şi pentru bolile existente înaintea întocmirii contractului;

[146] Winter sports cover: Optional ↩

Leisure sports coverage is available as an optional add-on package to the base TRAVEL policy, per the insurer's product page. The base policy excludes injuries from paragliding, non-motorized aircraft, motor sport competitions, extreme nautical sports, and high-altitude ascents without a licensed guide.

Asigurarea poate fi completată cu clauze suplimentare, precum acoperirea evenimentelor produse în urma practicării sporturilor de agrement sau clauza STORNO, care acoperă cheltuielile generate de anularea sau întreruperea călătoriei, cu sume asigurate de 2.000 Euro sau 3.000 Euro.

[147] Adventure sports cover: Optional ↩

Adventure and leisure sports coverage is available as an optional add-on package to the base TRAVEL policy, per the insurer's product page. The base policy excludes parachuting, paragliding, extreme nautical sports, and motor sport competitions.

Asigurarea poate fi completată cu clauze suplimentare, precum acoperirea evenimentelor produse în urma practicării sporturilor de agrement sau clauza STORNO, care acoperă cheltuielile generate de anularea sau întreruperea călătoriei, cu sume asigurate de 2.000 Euro sau 3.000 Euro.

[148] Pregnancy complications: Excluded ↩

Termination of pregnancy, treatments resulting from contraceptive measures, pregnancies, and childbirths are explicitly excluded from the medical expenses coverage.

întreruperi de sarcină sau tratamente ale urmărilor măsurilor de contracepţie, sarcini sau naşteri;

[149] Trip cancellation: €2,000 – €3,000 ↩

The optional STORNO clause covers costs generated by cancellation or interruption of the trip, with insured sums of 2,000 EUR or 3,000 EUR.

Asigurarea poate fi completată cu clauze suplimentare, precum acoperirea evenimentelor produse în urma practicării sporturilor de agrement sau clauza STORNO, care acoperă cheltuielile generate de anularea sau întreruperea călătoriei, cu sume asigurate de 2.000 Euro sau 3.000 Euro.

[150] Baggage: €100 ↩

Baggage coverage is limited to 100 EUR for both individual and family policies. Compensation is only paid if the baggage was checked in normally and is considered lost at least 10 working days after the date of air travel.

În cadrul asigurării pentru bagaje despăgubirea se limitează la 100 EUR atât pentru asigurările individuale cât şi pentru cele de familie; despăgubirea se acordă doar în cazul în care bagajul a fost predat în mod normal şi este considerat pierdut cel puţin 10 zile lucrătoare de la data călătoriei cu avionul.

[151] Medical expenses: €10,000 – €50,000 ↩

Direct settlement or reimbursement of medical costs necessary to stabilize the insured's health condition, including outpatient diagnosis and treatment, prescribed medicines and auxiliary materials, inpatient hospital treatment (until repatriation is possible), emergency surgery, and emergency ambulance transport. Silver (Package A): up to 10,000 EUR; Gold (Package B): up to 30,000 EUR; Platinum (Package C): up to 50,000 EUR.

Asistență medicală de urgență Decontarea directă sau rambursarea cheltuielilor medicale necesare pentru stabilizarea stării de sănătate. A - în limita a 10.000 € B - în limita a 30.000 € C - în limita a 50.000 €

[152] Medical transport: €10,000 – €50,000 ↩

Emergency transport of the insured by ambulance services to the nearest hospital, nearest doctor, or transfer to another hospital if recommended by a physician, covered within the overall medical assistance sum insured. Limits: Silver 10,000 EUR / Gold 30,000 EUR / Platinum 50,000 EUR.

transportul de urgență al Asiguratului efectuat de serviciile de ambulanță până la cel mai apropiat spital, cel mai apropiat medic sau transferul la un alt spital, dacă este recomandat de medic;

[153] COVID-19 treatment: Excluded ↩

Epidemics, pandemics, national or global health emergencies and any direct or indirect effects thereof are explicitly excluded under clause 7.1.u of the General Conditions. COVID-19 as a pandemic-related illness is therefore not covered.

epidemie/ pandemie, urgență de sănătate națională sau globală și orice efecte directe sau indirecte ale acestora;

[154] Personal liability: €2,000 – €5,000 ↩

Covers accidental bodily injury or property damage caused to third parties during the trip. Also covers court costs in civil proceedings arising from the insured's tortious liability. Package A (Silver): not covered. Package B (Gold): up to 2,000 EUR. Package C (Platinum): up to 5,000 EUR. Key exclusions include: deliberate/criminal acts, damage to family members (up to 4th degree), professional/contractual liability, moral damages, pure financial losses, use of motor vehicles, professional activities, extreme sports competitions.

Acoperirea prejudiciilor produse terților (vătămări corporale, deces sau distrugere materială) și a cheltuielilor de judecată existente în procesul civil. A - neacoperit B - în limita a 2.000 € C - în limita a 5.000 €

[155] Emergency dental: €300 ↩

Covers medical services necessary for the removal of acute pain and pain caused by accidents, dental X-ray, and consequences of dental conditions. Maximum 300 EUR for all tiers (Silver, Gold, Platinum).

Sunt acoperite serviciile medicale necesare pentru îndepărtarea durerilor acute și a celor cauzate de accidente, radiografie dentară și consecințe ale afecțiunilor stomatologice.

[156] Search & rescue: Excluded ↩

Search and rescue costs are not explicitly listed as a standalone covered benefit in the base package or supplementary insurances. The winter/summer sports add-on covers emergency air ambulance transport and transport from the accident site to the ambulance (e.g., mountain rescue/stretcher sled) to the nearest hospital, at the recommendation of the assistance company, but no standalone search-and-rescue limit is stated.

[157] Legal assistance: Excluded ↩

Standalone legal assistance is not a covered benefit. Court costs are covered only as part of the individual civil liability coverage (Packages B and C) when the insured is a defendant in civil proceedings arising from tortious liability during travel.

[158] Emergency medical treatment: €10,000 – €50,000 ↩

Covers emergency outpatient consultations recommended by a doctor and approved by the assistance company, prescribed medications, inpatient hospital treatment under direct medical supervision using recognized methods, and emergency surgical intervention when repatriation is not possible. Coverage ceases once the insured's condition permits repatriation. Limits: Silver 10,000 EUR / Gold 30,000 EUR / Platinum 50,000 EUR (within the global medical sum insured).

Asistenţă și servicii medicale de urgenţă prestate în străinătate, ce pot fi acoperite doar până când starea medicală a Asiguratului permite repatrierea acestuia pe baza recomandării de repatriere de la medicul curant sau de la echipa medicală a Companiei de asistență și aprobată de Compania de asistență:

[159] Hospitalization: €10,000 – €50,000 ↩

Inpatient hospital treatment is covered within the overall medical assistance sum insured until the insured's condition permits repatriation. Additional costs triggered by hospitalization exceeding 10 days are separately covered: family member visit (up to 300 EUR), repatriation of minor children (up to 300 EUR), urgent telephone calls (up to 50 EUR). All tiers: hospitalization costs within the base sum (10,000 / 30,000 / 50,000 EUR).

cheltuieli suplimentare, în cazul spitalizării Asiguratului pe o perioadă mai mare de 10 zile, după cum urmează: - decontarea cheltuielilor de transport, la clasa economic, pentru un membru al familiei, în cazul deplasării sale la Asigurat;

[160] Outpatient treatment: €10,000 – €50,000 ↩

Emergency outpatient medical treatment and diagnosis recommended by a doctor and approved by the assistance company is covered within the overall medical assistance sum insured. Limits: Silver 10,000 EUR / Gold 30,000 EUR / Platinum 50,000 EUR.

diagnosticarea medicală: tratamentul medical ambulatoriu inclusiv control medical (recomandat de medic și avizat de Compania de asistenţă medicală) efectuat imediat după acordarea asistenţei medicale de urgenţă în scopul examinării stării de sănătate a Asiguratului, în lipsa căreia sănătatea sau viaţa Asiguratului este în pericol.

[161] Medical evacuation: €10,000 ↩

Direct settlement of transport for the insured, who is unable to travel alone, to their home locality or the nearest hospital in Romania (country of citizenship/residence) that can provide the recommended treatment. Timing and mode of transport determined by the attending physician together with the medical team of the assistance company. Maximum 10,000 EUR for all tiers. If the insured cannot follow the repatriation recommendation or repatriation is not strictly necessary and the insured self-organizes return, a flat indemnity of up to 500 EUR is paid based on supporting documents.

Repatrierea medicală acoperă transportul Asiguratului, aflat în imposibilitatea de a călători singur, către localitatea de domiciliu sau la cel mai apropiat spital din România, țara de cetăţenie/ rezidență unde poate primi tratamentul recomandat de medic.

[162] Repatriation of remains: €5,000 – €10,000 ↩

Direct settlement or reimbursement of costs for transporting the insured's body to the locality of domicile/burial, including the cost of the coffin, or burial/cremation costs at the place of death. Silver (Package A): up to 5,000 EUR; Gold (Package B): up to 7,000 EUR; Platinum (Package C): up to 10,000 EUR. Covered only if death was not caused by an excluded event.

Repatrierea funerară acoperă repatrierea corpului neînsuflețit al Asiguratului în localitatea de domiciliu/ localitatea în care se face înmormântarea, inclusiv costul sicriului sau cheltuieli de înmormântare/ incinerare la locul decesului.

[163] Pre existing conditions: €1,000 ↩

Pre-existing medical conditions are generally excluded. By exception, the insurer covers only the first necessary service (life-saving medical assistance, relief of acute pain, or medical repatriation if recommended) up to a maximum of 1,000 EUR. This exception applies to all tiers and is conditional on first organizing the service exclusively through the assistance company.

orice condiţie medicală pre-existentă datei de intrare în vigoare a asigurării, cu titlu de excepție, Asigurătorul va acoperi doar primul serviciu necesar (asistență medicală pentru salvarea vieții/ sau calmarea durerilor acute sau repatriere medicală dacă se recomandă), în limita maximă de 1.000 €;

[164] Winter sports cover: €10,000 – €50,000 ↩

Optional add-on covering accidents during recreational amateur winter sports with medium or high risk: skiing, snowboarding, sledding, snowmobile, ice skating, tubing, skibobbing, ski biking, snowkiting, ice climbing, and during the winter season: mountaineering/climbing, indoor/outdoor escalade, mountain ascents under 5,000m, paragliding, ATV rides, hunting. Exclusions: ski/snowboard jumping, mountain ascents involving oxygen deprivation, sports outside designated areas or without proper equipment. Coverage follows the base package medical sum (10,000 / 30,000 / 50,000 EUR). Also covers emergency air ambulance transport and transport from accident site to ambulance (e.g. mountain rescue).

Sporturi de iarnă Specifice: schi, snowboard, sanie, snowmobile, patinaj, tubing, skibobbing, ski biking, snowkiting, ice climbing Desfășurate în timpul iernii/ sezonului rece: alpinism și cățărări montane, escaladă indoor și outdoor, ascensiuni montane sub 5.000 m, parapanta, plimbări cu ATV/ mașini de teren, vânătoare

[165] Adventure sports cover: €10,000 – €50,000 ↩

Optional add-on covering accidents during recreational amateur summer/adventure sports with medium or high risk: nautical sports (snorkeling, yachting, jet skiing, scuba diving, parascending/paragliding, stand up paddling, water skiing, rafting, surfing, windsurfing, kitesurfing, canoe, kayak, sailing), and warm-season activities (paragliding, mountaineering, mountain ascents under 5,000m, indoor/outdoor escalade, bungee jumping, zip-line, paintball, archery, horse riding, karting, cycling: speed biking/mountain bike/downhill, enduro motorcycling, ATV, hunting). Exclusions: oxygen-deprivation mountain ascents, out-of-bounds sports, lack of proper equipment. Coverage follows the base medical sum insured.

Sporturi de vară Nautice: snorkeling, iahting, jet skiing, scuba diving, parascending/ paragliding, stand up paddling, schi nautic, rafting, surfing, windsurfing, kitesurfing, canoe, caiac, navigaţie

[166] Pregnancy complications: €500 ↩

Medical assistance and repatriation for pregnancy, childbirth, abortion (including therapeutic), voluntary termination of pregnancy, infertility treatment, and artificial insemination are generally excluded. By exception, in the event of a medical emergency due to existing pregnancy or spontaneous birth, only emergency medical costs to save the life of the mother and/or child are covered, up to a maximum of 500 EUR, and only if the first service is organized exclusively by the medical assistance company.

asistenţa medicală și/ sau repatriere pentru graviditate, naştere, avort (inclusiv avort terapeutic), întreruperea voluntară a sarcinii, examinarea şi tratamentul împotriva sterilităţii, precum şi fecundarea artificială. Cu titlu de excepție, în cazul apariției unei urgențe medicale din cauza sarcinii existente/ nașterii spontane, se vor plăti numai cheltuielile medicale de urgenţă în scopul salvării vieţii mamei şi/ sau copilului, în limita maximă de 500 €, doar dacă primul serviciu este organizat exclusiv de compania de asistenţă medicală;

[167] Medical expenses: RON 150,000 ↩

Reimbursement of reasonable and customary costs for emergency medical and dental care received during travel abroad, including inpatient and outpatient treatment. Sub-limit of 75,000 RON for illnesses caused by epidemic or pandemic (including COVID-19). Dental care sub-limit of 2,500 RON. Coverage is secondary to any existing health insurance.

[168] Medical transport: Covered ↩

Emergency Transportation Coverage aggregate limit is 250,000 RON, covering: local emergency transport from incident location to a doctor or medical facility; transport of a companion to a hospitalized insured (1,000 RON sub-limit); transport of minors/dependents (1,000 RON sub-limit); repatriation of remains (100,000 RON sub-limit); search and rescue (20,000 RON sub-limit). Medical repatriation after stabilization is also covered within this 250,000 RON aggregate.

[169] COVID-19 treatment: RON 75,000 ↩

Medical treatment for illnesses caused by epidemic or pandemic (including COVID-19) is covered within the Emergency Medical/Dental Coverage, subject to a sub-limit of 75,000 RON (within the 150,000 RON aggregate). COVID-19 illness is also a covered reason for trip cancellation, trip interruption, and travel delay where specific conditions are met. Quarantine due to COVID-19 exposure is covered only when the quarantine order is specific and individual (not a general population order).

[170] Personal liability: Excluded ↩

Personal liability coverage is not included in My Safe Travel. It is available only in other products in the Mondial Assistance range (My Safe Essential, Optim, Full) up to 50,000 RON.

[171] Emergency dental: RON 2,500 ↩

Sub-limit of 2,500 RON for emergency dental care within the 150,000 RON aggregate medical/dental limit. Covers dental injury, infection, lost filling, or broken tooth requiring treatment during travel abroad.

[172] Search & rescue: RON 20,000 ↩

Covers costs of search and rescue activities by a professional rescue team up to 20,000 RON if the insured is reported missing or needs to be rescued from a physical emergency during the trip. Sub-limit within the Emergency Transportation Coverage aggregate of 250,000 RON.

[173] Legal assistance: Covered ↩

Mondial Assistance can help find local legal advice during the trip as part of the Travel Services During Your Trip. This is a referral/concierge service only; no monetary legal expenses coverage is provided within My Safe Travel.

[174] Emergency medical treatment: RON 150,000 ↩

Covers reasonable and customary costs for both inpatient (hospital) and outpatient emergency medical treatment during travel abroad, up to the 150,000 RON aggregate limit for emergency medical/dental coverage. Treatment must be medically necessary and provided by a licensed doctor or hospital. Sub-limit of 75,000 RON applies for epidemic/pandemic illnesses.

[175] Hospitalization: Covered ↩

Hospitalization costs are covered within the 150,000 RON emergency medical/dental aggregate limit. No separate sub-limit is stated for inpatient care. Mondial Assistance may guarantee or advance payment to the hospital where accepted. Transport of a companion (1,000 RON) is provided if hospitalization exceeds 72 hours or is life-threatening.

[176] Outpatient treatment: Covered ↩

Outpatient emergency medical treatment is covered within the 150,000 RON aggregate emergency medical/dental limit. No separate sub-limit is stated for outpatient care. Treatment must be medically necessary, provided by a licensed doctor, and must originate during the trip abroad.

[177] Medical evacuation: RON 250,000 ↩

Covered within the Emergency Transportation aggregate of 250,000 RON. Includes emergency evacuation to the nearest appropriate medical facility, medical repatriation to principal residence or a medical facility near home once medically stable, and arrangement of medical escort if necessary. All transport arrangements must be pre-authorized and organized by Mondial Assistance.

[178] Repatriation of remains: RON 100,000 ↩

In the event of death during the trip, Mondial Assistance arranges and pays for reasonable and necessary services and supplies to transport remains to a funeral home near the principal residence or in the country of residence. Sub-limit of 100,000 RON within the Emergency Transportation aggregate. Death must occur during the trip and arrangements must be pre-authorized by Mondial Assistance.

[179] Pre existing conditions: Excluded ↩

Pre-existing medical conditions are explicitly excluded from all coverages. A pre-existing condition is any injury, illness, condition, disability, or their consequences treated within the last 120 days prior to policy issuance. For heart disease, stroke, cancer, diabetes (type 1 and 2), migraine, epilepsy, and multiple sclerosis, the reference period is 24 months before policy issuance. The condition does not need to be formally diagnosed to be considered pre-existing.

[180] Winter sports cover: Conditional ↩

Skiing on marked pistes is implicitly included as a recreational activity covered under the standard policy (not excluded). Skiing or snowboarding outside marked trails or in areas accessed by helicopter is explicitly excluded under General Exclusions. No separate coverage limit is stated for winter sports; medical costs for skiing injuries on marked pistes are covered within the standard 150,000 RON emergency medical limit.

[181] Adventure sports cover: Conditional ↩

Standard recreational sports (including regular surfing, kite surfing, and scuba diving up to 20 meters depth) are covered under the standard policy with no additional premium. High-risk and extreme sports are explicitly excluded: skydiving, BASE jumping, hang gliding, parachuting, caving/rappelling/spelunking, off-piste or heli-skiing, climbing sports or free climbing, high-altitude activities (above 4,500 m), personal combat/fighting sports, motorized vehicle racing, free diving, and scuba diving deeper than 20 meters or without a dive master.

[182] Pregnancy complications: Conditional ↩

Normal, complication-free pregnancy and childbirth are excluded from emergency medical coverage. However, pregnancy is listed as a covered reason for trip cancellation under the Premium cancellation option (referenced in the 2205 brochure). Complications of pregnancy that constitute a genuine medical emergency during travel would need to meet the emergency medical criteria. Fertility treatments and elective abortion are explicitly excluded.

[183] Medical expenses: Not established from the insurer's documents ↩

Covers emergency medical costs (outpatient, hospitalization, surgery, prescribed medicines, transport to nearest medical unit) generated by accident or illness during travel abroad. According to the insurer's travel-insurance comparison source, Safe Travel offers configurable limits up to 100,000 EUR, exceeding the 30,000 EUR minimum required by EU Regulation 810/2009 for Schengen visa policies, and limits between 50,000 EUR and 100,000 EUR for worldwide (non-Schengen) destinations. The IPID itself does not specify a per-tier breakdown of these amounts.

Regulamentul UE 810/2009 impune un plafon minim de 30.000 EUR pentru polițele utilizate la obținerea vizei Schengen. Safe Travel depășește acest prag cu plafoane configurabile până la 100.000 EUR

[184] Medical transport: Covered ↩

Transport to the nearest medical unit and possible transfer to a specialized medical unit, covered within the overall emergency medical assistance sum insured. Also includes economy class transportation costs for an escort accompanying unaccompanied minor children (sublimit 1,000 EUR) and economy class return ticket for a spouse/relative visit during hospitalization exceeding 10 consecutive days.

cheltuielile de transport (clasa economică) şi cheltuielile aferente cazării temporare pentru o escortă care să însoţească copiii minori, rămaşi fără supraveghere, care au călătorit împreună cu Asiguratul, pentru o sublimită de 1.000 EUR

[185] COVID-19 treatment: Conditional ↩

COVID-19 is not explicitly listed as an excluded risk. As an acute illness manifesting for the first time during the trip, it would fall within the general emergency medical assistance coverage. However, if an epidemic was declared in the destination country prior to the insured's arrival, it is excluded. Coverage is therefore conditional on the epidemic not being declared before arrival.

[186] Personal liability: Covered ↩

Covers the insured's tort liability for direct material damages (property damage and/or bodily injury) caused to third parties during travel abroad, according to the law and jurisprudence of the country visited. Claims must be reported within 30 calendar days of the end of the trip. Excludes moral damages, contractual liability, liability from vehicle/drone/animal use, fines, and judgments from US/Canadian courts. The specific coverage limit varies by tier (not stated in the IPID; the retail product page confirms personal liability is included).

Secţiunea "Răspundere civilă" acoperă prejudiciile materiale directe, pentru care Asiguratul răspunde, conform legii si jurisprudenţei ţării în care călătoreşte, dacă sunt reclamate de persoanele prejudiciate în maximum 30 zile calendaristice de la terminarea călătoriei

[187] Emergency dental: Not established from the insurer's documents ↩

Emergency dental treatment (acute pain, dental fractures, infections) is covered within the overall medical expense limit chosen, without a separate dental sublimit. Aesthetic, orthodontic and routine dental treatments are excluded.

Acoperire urgenţe stomatologice – tratamente dentare de urgenţă incluse în plafonul medical, fără sublimită

[188] Search & rescue: Excluded ↩

Search and rescue as a standalone coverage is not explicitly provided or mentioned in the IPID or official product page for Safe Travel (Abroad). The policy covers emergency medical assistance, repatriation and transport to the nearest medical unit, but does not specifically reference independent search and rescue operations.

[189] Legal assistance: Covered ↩

Covers costs incurred by the insured in civil proceedings related to recovery of damages (bodily injury and/or death) caused by a third party during travel in the insured territory. OMNIASIG must pre-approve any legal action. Excludes proceedings in Romania, claims against transport companies/travel agencies, claims notified after 30 days from the incident, and claims by the insured in a capacity other than as a private individual.

Costurile / cheltuielile efectuate de Asigurat ca urmare a unei acţiuni civile, în legătură cu recuperarea / repararea prejudiciilor suferite de Asigurat, de natura vătămărilor corporale şi/sau deces, provocate de o terţă parte în perioada de asigurare şi în timpul călătoriei în teritoriul asigurat

[190] Emergency medical treatment: €30,000 – €100,000 ↩

Emergency medical treatment costs including consultations, diagnostics, surgery and hospitalization required by an acute emergency situation during travel abroad, covered within the overall medical assistance sum insured per selected tier (30,000–100,000 EUR). OMNIASIG reserves the right to limit hospitalization coverage to the point when the insured's condition allows repatriation.

[191] Hospitalization: Covered ↩

Hospitalization costs are covered within the overall emergency medical assistance sum insured. The specific hospitalization sublimit is not separately stated in the IPID; it is subsumed within the total medical sum per tier. For domestic (Romania) travel under Section II (Personal Accidents), a fixed daily allowance of 100 RON/day applies for a maximum of 5 continuous hospitalization days.

se acoperă cheltuielile pentru servicii medicale în ambulatoriu pentru o sublimită de 1.000 lei, respectiv se acordă o indemnizatie fixă de 100 lei / zi pentru o durată maximă de spitalizare continuă de 5 zile

[192] Outpatient treatment: Covered ↩

Outpatient services including consultations, diagnostics, lab tests and prescribed treatments covered within the overall emergency medical assistance sum insured. For domestic travel (Romania) under Section II, outpatient medical services are covered up to a sublimit of 1,000 RON.

se acoperă cheltuielile pentru servicii medicale în ambulatoriu pentru o sublimită de 1.000 lei

[193] Medical evacuation: Covered ↩

Medical repatriation to Romania or to the nearest appropriate hospital, arranged exclusively by OMNIASIG through OMNIASIG ASSISTANCE. Repatriation expenses incurred without prior approval from OMNIASIG are excluded. The IPID does not specify a separate sum insured or sublimit for repatriation.

[194] Repatriation of remains: Covered ↩

Transportation of the insured's earthly remains to their domicile in Romania in case of death during travel abroad is included within the emergency medical assistance section. The IPID does not specify a separate sum insured or sublimit for this benefit.

Asistenţa medicală de urgenţă consecință a accidentelor / îmbolnăvirii (inclusiv cheltuielile de repatriere în cazul decesului persoanei asigurate, cheltuieli telefonice justificate, cheltuieli de transport, cheltuieli aferente cazării temporare în legătură cu producerea evenimentului asigurat), pentru călătoriile efectuate în afara teritoriului României

[195] Pre existing conditions: €1,000 ↩

Emergency medical assistance required due to pre-existing conditions is covered only when necessary to save the insured's life or to relieve acute pain, up to a sublimit of 1,000 EUR for trips outside Romania (telemedicine consultations for domestic trips in Romania). All other treatment for pre-existing or chronic conditions is excluded.

Asistenţa medicală de urgenţă, urmare a afecţiunilor medicale pre-existente, necesară pentru salvarea vieţii Asiguratului sau pentru calmarea durerilor se acoperă în sublimita a 1.000 EUR în cazul călătoriilor efectuate în afara graniţelor României

[196] Winter sports cover: Not established from the insurer's documents ↩

The IPID does not describe a separate winter-sports or ski-holiday package, nor state any related sums insured. According to the insurer's travel-insurance comparison source, skiing (like mountaineering and diving) is an extreme sport that requires an additional extension and is not included in the standard Safe Travel coverage.

Sporturi extreme necesită extensie suplimentară – schi, alpinism, scufundări nu sunt incluse în Safe Travel standard

[197] Adventure sports cover: Not established from the insurer's documents ↩

Sports other than those explicitly specified in the Policy are excluded; the IPID does not provide a specific list of covered recreational sports or related limits. According to the insurer's travel-insurance comparison source, extreme sports such as skiing, mountaineering (alpinism) and diving require an additional extension and are not included in the standard Safe Travel coverage.

Sporturi extreme necesită extensie suplimentară – schi, alpinism, scufundări nu sunt incluse în Safe Travel standard

[198] Pregnancy complications: Conditional ↩

Acute complications of pregnancy are covered only in the first 30 weeks of pregnancy and only for medical procedures strictly necessary to save the life of the mother and/or child. Normal pregnancy, childbirth (including voluntary termination), and complications after week 30 are excluded.

[199] Medical expenses: €5,000 – €50,000 ↩

Total insured sum covering medical, pharmaceutical, hospitalization and repatriation expenses. Varies by plan: Plan A1 5,000 EUR; Plan A2/B1 10,000 EUR; Plan B2/C/D 30,000 EUR; Plan B3 50,000 EUR. Business travel and professional driver plans capped at 30,000 EUR regardless of destination.

Răspunderea maximă a asigurătorului, în baza prezentului contract de asigurare, este: Plan A1 – 5.000 EUR

[200] Medical transport: €1,500 – €17,000 ↩

Sanitary transport to nearest appropriate hospital covered within the pharmaceutical and other medical expenses sub-limit. Air ambulance transport limited to continental transport. Covered under Plans A1 through D.

Transportul medical prin serviciul aerian de ambulanță va fi limitat numai la transportul continental;

[201] COVID-19 treatment: €2,500 – €50,000 ↩

For tourist travel to border countries (Plan A) and European countries (Plan B): covered up to the plan sub-limits. For tourist travel to USA, Canada, Israel (Plan C) or rest of world (Plan D): 2,500 EUR combined for medical and repatriation. For non-tourist travel (business, study, work, professional driver): 2,500 EUR combined regardless of destination. Quarantine accommodation not covered. Positive RT-PCR test required as proof. Not covered outside Europe for epidemic/pandemic-declared situations.

În cazul călătoriilor în scop turistic, în Statele Unite ale Americii, Canada, Israel (plan C), precum și în oricare din țările lumii (așa cum sunt definite în planul D) se acordă acoperire în limita a 2.500 EUR, combinat pentru ambele tipuri de cheltuieli (medicale și de repatriere).

[202] Personal liability: Excluded ↩

Personal liability coverage is not included in the SIGNAL Travel policy. The policy covers only medical assistance and repatriation expenses.

[203] Emergency dental: €150 – €300 ↩

Emergency dental treatment covered for pain relief only. Plan A1/A2: 50 EUR per tooth, maximum 3 teeth (max 150 EUR). Plans B1/B2/B3/C/D: 100 EUR per tooth, maximum 3 teeth (max 300 EUR). Routine dental treatment not covered.

tratament dentar de urgență: 50 EUR / dinte, dar nu mai mult de 3 dinți.

[204] Search & rescue: Excluded ↩

Search and rescue operations are not explicitly covered or listed as a covered benefit in the policy terms and conditions.

[205] Legal assistance: Excluded ↩

Legal assistance is not covered. In non-medical situations (e.g. loss of documents, theft), the assistance company only provides information on how to contact the relevant authorities, without financial coverage.

Într-o situație de altă natură decât medicală, cum ar fi: pierderea sau furtul documentelor de identitate sau călătorie, a bagajelor sau a banilor, compania de asistență va furniza asiguratului toate informațiile necesare pentru contactarea și abordarea autorităților în drept.

[206] Emergency medical treatment: €1,500 – €17,000 ↩

Sub-limit for pharmaceutical, sanitary transport and other medical/assistance expenses within the total insured sum. Plan A1: 1,500 EUR; Plan A2/B1: 3,500 EUR; Plan B2/C/D: 10,000 EUR; Plan B3: 17,000 EUR. Covers sudden and unforeseeable illness endangering health or life, and bodily injury from accident.

cheltuielile farmaceutice, de transport sanitar și alte cheltuieli medicale sau de asistență de maxim 1.500 EUR

[207] Hospitalization: €2,500 – €20,000 ↩

Sub-limit for surgical and hospitalization costs within the total insured sum. Plan A1: 2,500 EUR; Plan A2/B1: 4,000 EUR; Plan B2/C/D: 13,000 EUR; Plan B3: 20,000 EUR. Family visit covered if hospitalization exceeds 15 days (economy return ticket + up to 30 EUR/day hotel for max 5 days).

cheltuieli chirurgicale și de spitalizare maxim 2.500 EUR

[208] Outpatient treatment: €1,500 – €17,000 ↩

Outpatient treatment and medicines are covered under the pharmaceutical and other medical expenses sub-limit. Costs for outpatient treatment and medicines are reimbursed to the insured (not paid directly by the assistance company). Sub-limits: Plan A1: 1,500 EUR; Plan A2/B1: 3,500 EUR; Plan B2/C/D: 10,000 EUR; Plan B3: 17,000 EUR.

Despăgubirea se stabilește pe baza cheltuielilor ocazionate de spitalizarea asiguratului, tratamentul ambulatoriu, cheltuieli cu medicamentele, transportul asiguratului bolnav sau de repatriere a asiguratului bolnav sau a corpului neînsuflețit al acestuia.

[209] Medical evacuation: €1,000 – €12,000 ↩

Repatriation to a hospital near the insured's home in Romania or as a regular passenger after treatment, if health permits. Sub-limits per plan: Plan A1: 1,000 EUR; Plan A2/B1: 2,500 EUR; Plan B2/C/D: 7,000 EUR; Plan B3: 12,000 EUR. Air ambulance limited to continental transport. Discharge/transfer requires assistance company approval.

repatriere (prin orice mijloace) la un spital apropiat domiciliului său din România, dacă starea sănătății sale permite aceasta;

[210] Repatriation of remains: €1,000 – €12,000 ↩

In the event of the insured's death, the assistance company organizes and covers repatriation of mortal remains including post-mortem treatment, coffin conforming to international transport standards, and transport to the place of burial in Romania. Covered within the repatriation sub-limit of each plan.

În eventualitatea decesului asiguratului, compania de asistență va organiza repatrierea corpului neînsuflețit și va acoperi (plăti) cheltuielile datorate tratamentului post-mortem, sicriului cerut de normele internaționale de transport și transportului până la locul de înmormântare din România.

[211] Pre existing conditions: €500 ↩

Medical expenses arising from an acute episode of a pre-existing condition or chronic disease are covered up to 500 EUR across all plans. General pre-existing conditions and chronic diseases are otherwise excluded. An acute episode is defined as sudden worsening of symptoms requiring medical intervention to prevent death, organ damage, or irreversible impairment.

Cheltuielile medicale efectuate ca urmare a unui puseu acut al unei afecțiuni preexistente/ boli cronice se acoperă în limita a 500 EUR.

[212] Winter sports cover: Optional ↩

Skiing, snowboarding, and ski-bobbing are listed as leisure sports (sport de agrement) and require an additional premium for amateur recreational practice. Coverage for alpine skiing and snowboarding can be obtained via the optional extreme sports rider. Professional and competitive winter sports are excluded.

Se includ în această categorie următoarele activități: călărie, carting, ciclism montan, ascensiuni montane (până la 3.000 m), patinaj, schi, snowboard, ski-bobbing, schi nautic, surfing...

[213] Adventure sports cover: Optional ↩

Leisure/adventure sports (mountaineering up to 3,000 m, recreational scuba diving, mountain biking, rafting, etc.) are listed as 'sport de agrement' in the general terms and require an additional premium for amateur practice. Diving, climbing and similar activities are otherwise excluded under exclusion IV.1.l unless covered via this additional premium; no altitude/depth limits beyond the stated 3,000 m for mountaineering are specified in the T&C.

Se includ în această categorie următoarele activități: călărie, carting, ciclism montan, ascensiuni montane (până la 3.000 m), patinaj, schi, snowboard, ski-bobbing, schi nautic, surfing, wind-surfing, paragliding, parascending, salturi cu coarda, parașutism, parapantism, navigație, iahting, rafting, canoe, caiac, scubadiving, carting.

[214] Pregnancy complications: Conditional ↩

Covered only for obvious and unforeseen complications occurring before the 28th week of pregnancy, provided the pregnant woman is under 40 years old. Routine pregnancy care, childbirth, contraception, sterilization, abortion, and fertility investigations are excluded. Medical treatment that can be postponed until return to Romania is not covered.

graviditate, naștere, contracepție, sterilizare sau întrerupere de sarcină și consecințele acestora... exceptând complicația evidentă și neprevăzută survenită înainte de a 28 – a săptămână de sarcină, iar femeia gravidă să aibă sub 40 de ani;

[215] Medical expenses: €30,000 ↩

Covers medically necessary emergency treatment abroad (outpatient consultations, prescribed medications, diagnostic imaging, hospitalisation, emergency surgery) arising from illness or accident during travel. Maximum 30,000 EUR per insured per insurance year.

Tratament medical în străinătate în caz de îmbolnăvire sau accident - limita maximă despăgubire/asigurat/an de asigurare 30.000 EUR

[216] Medical transport: Covered ↩

Covers costs of authorised rescue/ambulance transport to the nearest hospital or medical unit, and transfer costs to a specialist medical facility if medically necessary and prescribed by a physician. Limit as specified in the policy schedule.

Costurile transportului efectuat de servicii de salvare autorizate pentru acordarea de asistenţă medicală de urgenţă, până la cel mai apropiat Spital/unitate sanitară;

[217] COVID-19 treatment: Covered ↩

COVID-19 illness contracted during travel is covered under the same conditions and limits as regular medical expenses. Coverage includes COVID-19 repatriation, mandatory quarantine costs when diagnosed abroad, and trip cancellation/interruption due to COVID-19 illness or COVID-19 quarantine. Events occurring in countries where an epidemic/pandemic was already declared before the insured's entry are generally excluded, but COVID-19 is explicitly excepted from this exclusion.

Se acoperă inclusiv repatrierea aferentă îmbolnăvirii cu COVID-19.

[218] Personal liability: €5,000 ↩

Covers legal defence costs and civil liability arising from accidental bodily injury or death of a third party (not a family member, companion or employee) or material damage to property not owned or controlled by the insured. Maximum 5,000 EUR per insured event and in aggregate per insurance year. Excludes: liability towards family members, contractual liability, damage to insured's own property, intentional acts, and use of vehicles/aircraft/watercraft.

Răspundere civilă în străinătate – 5.000 EUR

[219] Emergency dental: Covered ↩

Emergency dental treatment (acute pain relief, abscess, emergency extractions) is covered up to a limit specified in the individual policy. The T&C states the limit is set in the policy schedule; no specific EUR amount is published in the T&C text or official product page for this product.

Tratament dentar de urgență în limita sumei specificată în Polița de asigurare necesar pentru calmarea directă a durerii.

[220] Search & rescue: Excluded ↩

The T&C and product page do not mention a standalone search and rescue benefit. Emergency transport by authorised rescue services to the nearest hospital is covered under medical assistance (Art. 4.3.1), but a separate search-and-rescue cover is not referenced.

[221] Legal assistance: Excluded ↩

A standalone legal assistance benefit is not mentioned in the T&C or product page. Legal defence costs are covered only as part of the civil liability section (Art. 4.6), not as a separate legal assistance coverage.

[222] Emergency medical treatment: €30,000 ↩

Covers emergency medical assistance including ambulance transport to the nearest hospital or physician, emergency diagnosis and medical consultations, within the overall medical treatment limit of 30,000 EUR per insured per year.

Asistență medicală în străinătate, în caz de îmbolnăvire sau accident Servicii de asistență în străinătate

[223] Hospitalization: Covered ↩

Hospitalisation costs are included within the overall medical treatment limit of 30,000 EUR per insured per year. No separate sub-limit is stated in the T&C or product page for hospitalisation alone; it falls under the general medical expenses cap.

Servicii medicale efectuate Asiguratului, în condiţii de spitalizare, în măsura în care acestea: au loc într-o instituţie recunoscută, în mod general, drept Spital în ţara respectivă;

[224] Outpatient treatment: Covered ↩

Outpatient treatment is explicitly included (medical consultations, prescribed medications, auxiliary medical materials, radiological diagnostics) within the general 30,000 EUR medical expenses limit. No separate sub-limit stated.

Tratamentul ambulatoriu al pacientului, ce cuprinde (lista menţionată mai jos este una ilustrativă, nu exhaustivă): consultaţie medicală şi investigaţii medicale;

[225] Medical evacuation: Covered ↩

Covers medical repatriation of the insured from abroad to the nearest Romanian hospital or to their home, when medically necessary and approved by the assistance provider's physician, including escort of a medical companion if recommended. Limit as specified in policy schedule.

Prin repatriere se înţelege transportul Asiguratului la domiciliul din România sau la un Spital din România efectuat numai pe baza recomandării medicului curant și aprobării Societății de Asistență, în scopul continuării tratamentului necesar din punct de vedere medical în cazul alterării stării de sănătate a Asiguratului, ca urmare a unui risc asigurat, respectiv în caz de deces al Asiguratului.

[226] Repatriation of remains: Covered ↩

Covers transport of the insured's mortal remains from abroad to Romania (place of burial), including COVID-19 related deaths. Excludes funeral and burial costs. Excludes cases where death resulted from travel for a chronic/pre-existing surgical treatment. Limit as specified in policy schedule.

în cazul decesului Asiguratului în perioada călătoriei în străinătate, cheltuielile pentru repatriere cuprind costurile necesar a fi efectuate în vederea transportului corpului neinsuflețit în România, până la locul de înhumare, mai puțin costurile cu înmormântarea și înhumarea.

[227] Pre existing conditions: €1,000 ↩

Pre-existing conditions, chronic diseases, and their consequences are generally excluded. Exception: acute exacerbations of chronic conditions recorded in the insured's medical history that require emergency life-saving measures or measures aimed solely at relieving acute pain are covered up to a sub-limit of 1,000 EUR.

Excepţie de la această situaţie fac cazurile de acutizare a unor boli cronice care figurează în antecedentele patologice ale Asiguratului şi care implică măsuri de urgenţă pentru salvarea vieţii acestuia sau măsuri ce urmăresc numai calmarea durerii acute, în limita a 1.000 EURO.

[228] Winter sports cover: Covered ↩

Recreational skiing and snowboarding on designated, prepared slopes are explicitly listed as covered recreational sports (sporturi de agrement) in the base policy. Skiing off-piste, in unauthorised locations, or at competition level requires the optional Extreme Sports clause. Covered within the general medical limit.

Sporturi de agrement: activităţi fizice sportive, practicate ocazional, ca amator... schi/ snowborading pe pârtii amenajate, etc) – enumerarea este ilustrativă, nu exhaustivă.

[229] Adventure sports cover: Optional ↩

An optional supplementary clause ('Clauza Sporturi Extreme') extends coverage to high-risk activities such as mountaineering (up to 4,500 m), bungee jumping, paragliding, skydiving, scuba diving, rafting, BASE jumping, motorsports, and many others. Also covers avalanche accidents during winter sports. Requires additional premium payment. Not included in the base policy.

În baza prezentei Clauze suplimentare si prin plata unei prime suplimentare, Asigurătorul acceptă să extindă acoperirea din asigurare pentru...

[230] Pregnancy complications: Conditional ↩

Routine pregnancy care, terminations, premature births, and fertility treatments are generally excluded. Exception: acute complications arising during pregnancy are covered for medical measures aimed solely at saving the life of the mother and/or child, provided the pregnancy has not exceeded 30 weeks of gestation. No separate monetary limit stated for this sub-coverage.

Totuşi, în cazul unor complicaţii acute survenite în timpul gravidităţii, UNIQA Asigurări S.A. va acorda despăgubiri ținând cont de prevederile prezentelor condiţii, numai pentru cheltuielile în legatură cu măsurile medicale întreprinse în scopul salvării vieţii mamei şi/sau copilului, cu condiţia ca sarcina să nu fi depășit 30 de săptămâni;