Allianz

Medical expenses – emergency medical treatment abroad

Covered

Covers emergency medical expenses incurred during travel abroad, including outpatient treatment, ambulance transport, transfer to a specialist clinic at the physician's request, hospitalization and/or emergency surgical interventions, diagnostic procedures, medications and medical supplies prescribed by the physician, and emergency dental treatment for acute pain relief (sub-limit EUR 300). For annual multi-trip insurance only the EUR 30,000 sum insured variant is available. The sum insured represents the maximum limit for medical expenses; costs for repatriation, assistance services and financial protection are deducted from this sum.

Emergency medical treatment (outpatient and inpatient)

Covered

Covers urgent medical treatment including outpatient treatment (up to 15 calendar days from the insured event), hospitalization until the insured's condition permits repatriation or completion of travel abroad, emergency surgical interventions including anaesthesia and operating theatre, and successive medical visits of emergency nature until stabilisation of the insured's health (sub-limit EUR 700).

Hospitalization

Covered

Hospitalization is covered as part of the medical expenses sum insured, provided it takes place in a hospital under direct physician supervision with sufficient diagnostic and therapy facilities, using scientifically recognized methods. The nearest appropriate hospital must be used. Allianz-Țiriac reserves the right to cover hospitalization costs only until the insured's medical condition allows repatriation for continuation of adequate treatment in Romania or country of residence. If hospitalization continues after policy expiry, Allianz-Țiriac may extend coverage by up to 15 calendar days provided the insured proves medical repatriation was not possible.

Outpatient treatment

Covered

Covered as part of medical expenses for a maximum of 15 calendar days from the date of the insured event, including consultation, diagnosis, treatment, and medications prescribed by the attending physician. Covered within the overall medical expenses sum insured.

Emergency dental treatment

Covered

Covers emergency dental treatment for acute pain relief only (including due to pre-existing causes), up to a sub-limit of EUR 300. Definitive dental treatments, root canal treatments (except when addressing acute pain), orthodontics, periodontal diseases, scaling, artificial teeth, crowns/bridges are explicitly excluded.

Emergency medical transport (ambulance and urgent medical transfer)

Covered

Covers emergency medical transport by specialised services (e.g., ambulance) from the location of the medical emergency to the nearest authorised medical facility, and transfer to a specialist clinic at the physician's request. Also covers air ambulance if necessary. Sub-limit of EUR 5,000 under Services de asistență. Ambulance transport costs also covered under the main medical expenses sum.

Medical repatriation / evacuation

Covered

Covers medical repatriation of the insured from abroad to the nearest suitable hospital that can provide adequate medical treatment, including transport of an accompanying medical professional if recommended by the physician. If the insured is immobilised and requires special medical transport conditions, repatriation from abroad to Romania or country of residence is covered. Sub-limit of EUR 10,000 including the cost of transport of a family member or close person to assist at the repatriation of the deceased. Repatriation costs require prior approval from Allianz-Țiriac.

Repatriation of mortal remains

Covered

Covers repatriation of the insured's mortal remains to Romania or country of residence in the event of death from any cause during the insured trip. Includes procurement of the coffin and special preparation for transport. Sub-limit EUR 1,000 for coffin and special preparation costs. Included within the overall EUR 10,000 repatriation sub-limit. Allianz-Țiriac organises, upon request, the funeral at the place of death or transfer of the deceased to the burial place in Romania.

Search and rescue / recovery operations

Covered

Covers expenses related to the search, rescue, and recovery of the insured following an accident (mountain rescue, coastal rescue), when such intervention is necessary as a result of an insured accident occurring during activities specified in the policy. Sub-limit of EUR 5,000 within the Assistance Services coverage.

Legal assistance in criminal proceedings abroad

Covered

The assistance company helps in obtaining local legal consultation or facilitates contact with the Romanian embassy or consulate in the destination country if the insured is arrested or threatened with imprisonment. This is an assistance service (non-monetary), included in all packages as part of the 24/7 assistance services. No monetary sub-limit is specified for this service.

24/7 assistance services

Covered

24-hour emergency call centre (Call Center 24/7) available in Romanian and other international languages. Services include: emergency medical guidance, contact with attending physicians/medical teams/hospital representatives, family notification upon request, assistance with lost travel documents (contact with Romanian embassy/consulate), assistance in case of loss of travel payment means (contact with the insured's bank), assistance in case of criminal proceedings, organisation of funeral services or transfer of deceased. The assistance company (Mondial Assistance on behalf of Allianz-Țiriac) organises and coordinates all medical repatriation and evacuation. Does not establish contact with outpatient doctors for non-emergency consultations on demand.