ASIROM Travel insurance (Easy Travel)

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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'.

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.

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.

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.