Allianz-Țiriac Travel insurance (Voiaj)

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.

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.

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.

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.

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.

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).

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).

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

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

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.

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.

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.

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.

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).

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.

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.