Eurolife FFH Travel insurance (Zen In Calatorie)

Covers emergency inpatient hospitalisation (standard costs, excluding prostheses/implants) and emergency outpatient treatment (medical care, medications) arising from accidents or sudden illness during travel abroad. Covered up to the insured sum stated in the policy. Tier limits: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR per insured person. Home-visit costs (e.g. hotel room) not covered. Coverage ceases when the insured meets the medical conditions for repatriation to Romania.

Included within the overall emergency medical assistance limit. Covers inpatient hospitalisation for at least one day and outpatient emergency treatment at a medical clinic, both at standard reasonable costs. Prostheses and implants are excluded. Tier limits follow the overall insured sum: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR.

Standard and reasonably valued hospitalisation costs (excluding prostheses/implants) for inpatient admission of at least one day when medically necessary. Covered within the overall emergency medical assistance limit: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR. Special hospitalisation conditions requested by the insured without doctor's recommendation (private room, phone, TV, massages, etc.) are not covered.

Covers outpatient emergency medical care or surgery at a clinic, and prescribed medications, at standard reasonable costs (excluding prostheses/implants), based on a medical prescription. Covered within the overall emergency medical assistance limit: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR. Home visit costs at temporary accommodation (e.g. hotel room) are not covered.

Covers emergency dental treatment for immediate pain relief and/or emergency repair of dental prostheses or artificial teeth (only to ease mastication), at standard reasonable costs. Prostheses, reconstruction and fillings are excluded. Tier limits: Relaxat = 150 EUR; Echilibrat = 300 EUR; Zen = 300 EUR per insured person.

Covers emergency transfer of the insured from the incident location to the nearest medical facility (air ambulance, commercial flight, ground ambulance), including medical escort costs if medically necessary. Also covers transfer between medical facilities for better-equipped care. Limit: 5,000 EUR, identical across all three tiers (Relaxat, Echilibrat, Zen). Decisions are made jointly by the insurer's medical team and the attending physician.

Eurolife organises and covers the repatriation of the insured to their home locality in Romania or to a nearby medical facility once the medical condition permits. The insurer's medical team and attending physician determine the timing and transport mode. Air ambulance is limited to continental transport. Limit: 5,000 EUR (Relaxat) / 10,000 EUR (Echilibrat, Zen) per insured person. If the insured refuses repatriation, further medical expenses are only covered up to the repatriation limit.

Covers repatriation of the insured's mortal remains to Romania following death abroad due to sudden illness or accident. Includes coffin costs up to 1,500 EUR (deducted from the repatriation limit). Also covers incineration and transport of ashes to Romania or burial abroad if requested by relatives. Transport costs covered up to 5,000 EUR within the overall limit. Tier limits: Relaxat = 5,000 EUR; Echilibrat = 10,000 EUR; Zen = 10,000 EUR per insured.

Covers search and rescue costs when the insured needs medical assistance following bodily injury or illness. Services must be provided by specialised entities and include first aid at the incident site and transport costs (including special means such as sled, toboggan, helicopter, motor boat) to the nearest medical facility. Tier limits: Relaxat = 300 EUR; Echilibrat = 1,000 EUR; Zen = 1,000 EUR per insured person.

As an exception to the general pandemic/epidemic exclusion, medical expenses arising from a COVID-19 diagnosis during travel are covered within the standard emergency medical assistance limit. For trip cancellation cover (Zen package only): cancellation due to COVID-19 diagnosis requiring hospitalisation, isolation or mandatory quarantine during the planned travel period is also covered, provided a positive PCR test is evidenced. Quarantine/isolation costs imposed by authorities without medical treatment are not covered. Routine testing is not covered.

Pre-existing, recurrent, chronic, degenerative or continuous conditions known to the insured at the policy issuance date are not covered, regardless of whether symptoms were visible. Conditions diagnosed after the policy start but showing prior symptoms or for which investigations were conducted before the policy are also excluded. As an exception, emergency medical assistance to save the insured's life or relieve acute pain during the trip is covered up to a maximum of 300 EUR.

Winter sports (ski on groomed slopes, snowboard on groomed slopes, monoski on groomed slopes, snowblading, skiing on glacier, cross-country skiing on marked trails, snowmobiling, snowshoes) are covered as part of the optional leisure sports extension when the insured declares their intention to practise these activities and pays the additional premium. Off-piste skiing, acrobatic skiing, helicopter skiing, skeleton and bob are explicitly excluded even with the extension. An exception to the principal-purpose rule applies: sports tourism for golf and winter sports is permitted as the main purpose of travel.

A wide range of leisure/adventure sports (e.g. bungee jumping, scuba diving with certifications, kayak/canoe on rivers up to class 3, mountain rafting up to class 3, horse riding, surfing, kitesurfing, windsurfing, karting, zorbing, abseiling, rope courses, tiroliana, water polo, sailing within 20 nautical miles of coast, and many others listed in Art. 5.3.6.2) are covered as an optional extension when declared and additional premium paid. Extreme variants (off-piste, BASE jumping, skydiving, extreme alpinism, free diving, cave diving, etc.) remain excluded. Covered within the overall emergency medical assistance insured sum: Relaxat = 10,000 EUR; Echilibrat = 30,000 EUR; Zen = 50,000 EUR.

Pregnancy, childbirth, voluntary abortion, infertility, contraception, IVF, prenatal check-ups and any related complications are explicitly excluded from all packages. As a sole exception for trip cancellation (Zen package), premature birth of the insured's child or grandchild before week 37 of pregnancy occurring up to 7 days before the trip start is a covered cancellation trigger.

Covers material damages and bodily injuries caused by the insured to third parties during travel, as a result of negligent acts for which the insured is liable under the law of the country where the damage occurred. Limit: 5,000 EUR per policy (per event and in aggregate), regardless of number of insured persons, identical across all three tiers. Excludes: intentional acts, vehicle use, professional activities, contractual obligations, moral damages, pure financial losses, and many other standard exclusions. The settlement requires Eurolife's approval.

No standalone legal assistance coverage is provided. Court costs may be reimbursed as part of the civil liability cover (personal liability) only when they arise from a covered claim involving third-party bodily injury or material damage.