ASIROM

Assistance call deadline

The insured must contact the assistance center (Global Assistance Services SRL, tel. 021.9146 or 0374 241 800, email info@asirom.ro) within the contractually prescribed time limit and before incurring any medical expenses. In a genuine medical emergency where prior contact was impossible, retrospective notification is accepted up to 48 hours after the event. Failure to notify may result in reduction or denial of claims.

Unauthorized treatment

Medical expenses incurred without prior approval from the assistance center are not covered, unless the insured demonstrates a genuine emergency that prevented advance notification. Transfers between medical units without the assistance center's consent are also excluded. ASIROM may refuse all payments if failure to notify prevented determination of the cause and quantum of the insured event.

Purchase while abroad

The insurance contract must be concluded before departure from Romania. Coverage is valid only for events occurring outside Romania and starts when the insured crosses the Romanian border. It is not possible to conclude a valid policy after departure.

Chronic conditions

Chronic diseases are generally excluded. Exceptionally, emergency medical expenses for life-saving treatment during an acute episode (puseu acut) of a chronic condition are covered, provided the event occurred during the policy's validity. Standard treatment continuation for chronic conditions is not covered.

Pregnancy

Pregnancy, childbirth, abortion and maternity are generally excluded from coverage. Emergency medical expenses for life-saving treatment of the mother and child arising from accidents or unforeseeable complications are covered on an exceptional basis up to week 28 of a single pregnancy or week 24 of a known multiple pregnancy.

pre_existing_conditions

Pre-existing conditions (any illness diagnosed, treated, or whose symptoms manifested before policy inception) are excluded. Only acute episodes of pre-existing conditions requiring life-saving intervention are covered on an exceptional basis. Non-disclosure of pre-existing conditions during the application process may render the policy void or result in partial claim denial. Changes to health status during the policy period must be reported in writing as soon as possible.

coverage_duration_limit

The insurance can be concluded for a minimum of 2 days and a maximum of 365 days per trip. A Multi-Trip (annual) option is available. For Business/Multi-Trip policies issued to legal entities, maximum cumulative duration per year is 90 days, with a maximum of 30 days per individual trip. Hospitalization coverage extends to a maximum of 10 days per insured event; ASIROM may extend obligations beyond policy expiry up to the point of repatriation, but not more than 10 days after policy expiry, where the event occurred within the validity period.

Medical repatriation and evacuation

Transport to Romania or nearest adequate medical facility in case of illness or injury. Evacuation from treatment zone to appropriate medical center; repatriation from foreign location to Romania when local treatment not possible or medically recommended.

Baggage loss and delay

Protection against baggage loss, damage, or delay. Delayed baggage is covered if delayed more than 6 hours after debarkation; lost baggage declared missing by airline.

Flight delay compensation

Coverage for additional expenses when flight is delayed more than 12 hours. Includes reimbursement of necessary expenses incurred due to delay.

Recreation sports coverage

Optional extension for medical expenses from recreational sports practices (skiing, surfing, mountainbike, etc.). Medium-risk sports with specific inclusions.

Trip cancellation (Storno)

Optional supplementary coverage for financial losses from trip cancellation due to unexpected circumstances (illness, accident, family emergency).

Document loss and replacement

Coverage for emergency expenses related to loss or theft of identity documents, travel documents, or personal valuables during trip.

24-hour coordination center notification requirement

Insured must contact coordination center within 24 hours of insured event occurrence and before incurring medical expenses to obtain approval.

Medical questionnaire and full disclosure requirement

Applicant must complete medical questionnaire truthfully and declare all pre-existing medical conditions and relevant circumstances essential for risk assessment.

Claims documentation submission deadline

Supporting documents for claims must be submitted within 5 calendar days from date of insured event or earlier return to Romania.

Network provider direct settlement

Medical services through approved coordination center and network providers result in direct payment by ASIROM. Out-of-network services require prior approval and reimbursement through claims.

Age restrictions and premium surcharges

Eligible ages 1 month to 90 years (max 60 years for USA/Canada). Persons over maximum age accepted with premium increase. Different limits for Arosan Forte (1-75 years, max 61 for USA/Canada).

Pre-existing medical conditions exclusion

Undeclared pre-existing medical conditions are standard exclusions. Only declared conditions covered if assessed and accepted by insurer.