Asigurarea Romaneasca - ASIROM Vienna Insurance Group SA

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. 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 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 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 EUR; Sigur: 50,000 or 100,000 EUR).

Emergency ambulance transport to the nearest hospital is included in both packages within the overall insured sum. Transfer costs to a specialist clinic are also covered when medically necessary and prescribed by a physician. No separate sub-limit is stated in the verified documents.

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 within the overall insured sum. 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. Covered within the overall insured sum. No separate sub-limit stated.

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'.

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.

24/7 assistance provided by Global Assistance Services SRL, reachable at 021.9146 (press 6) or 0374 241 800 (callable from abroad) or info@asirom.ro. Contacting the assistance center before incurring any expenses is mandatory (within 24 hours of the insured event). Failure to notify may result in claim refusal. Included in all packages at no additional cost.