Eurolife FFH Asigurări (comprising Eurolife FFH Asigurări de Viață S.A. and Eurolife FFH Asigurări Generale S.A.)
Eurolife FFH
Eurolife FFH is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
Eurolife can pay medical costs directly to the medical facility on behalf of the insured (direct settlement), or reimburse the insured if costs were paid out of pocket. Prior authorisation from the Eurolife Assistance Centre is required before presenting to a medical facility. For outpatient treatments not resulting from fractures and under 300 EUR, the insured may pay directly and request reimbursement upon return to Romania.
Geographic scope
Worldwide (excluding Romania, Ukraine, Iraq, Iran, Afghanistan, Syria, Yemen, Libya, Lebanon and high-risk countries per Romanian Ministry of Foreign Affairs alerts)
Valid in the country or territorial zone specified in the insurance policy, excluding high-risk destinations per Romanian MFA and international authorities. Road assistance limited to Europe (geographic sense, including Russia, Turkey, Canary Islands, Madeira, Cyprus, Malta, Morocco, Tunisia).
Unique selling points
- Romanian-language assistance centre available 24/7 for the entire duration of travel abroad, ensuring immediate support in the native language of the insured.
- Unlimited telemedicine consultations (24/7, phone and online) with specialists in 21+ medical disciplines, included in all three packages at no extra cost.
- Comprehensive coverage up to 50,000 EUR medical assistance per person, with civil liability up to 5,000 EUR and emergency medical transport up to 5,000 EUR included as standard.
- Policy can be purchased up to 10 minutes before departure (Relaxat and Echilibrat packages) and activates immediately upon payment confirmation, with no waiting period.
- Three flexible package tiers (Relaxat, Echilibrat, Zen) allow clients to select the level of coverage that matches their trip type, including optional road assistance, baggage cover and trip cancellation.
Coverage limits
Emergency medical assistance (accidents and illnesses)
Covered
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.
Emergency medical treatment (inpatient and outpatient)
Covered
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.
Emergency hospitalisation
Covered
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.
Emergency outpatient treatment
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.
Emergency dental treatment
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.
Emergency medical transport
Covered
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.
Medical repatriation after treatment
Covered
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.
Repatriation in case of death
Covered
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.
Search and rescue
Covered
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.
COVID-19 medical treatment
Conditional
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 medical conditions
Excluded
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 and leisure activities cover
Optional
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.
Adventure and leisure sports cover
Optional
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 complications
Excluded
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.
Civil liability towards third parties
Covered
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.
Legal assistance
Excluded
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.
24/7 Romanian-language assistance centre + telemedicine
Covered
Included in all three packages. Emergency assistance centre available 24 hours a day, 7 days a week, exclusively in Romanian, for coordinating medical services, repatriation, vehicle repatriation, relative visits etc. (call +40 314 23 00 79). Additionally, unlimited telemedicine consultations (online and by phone) are provided in partnership with Telios, covering 21+ medical specialties (General Medicine, Paediatrics, Internal Medicine, Gastroenterology, Rheumatology, Diabetes, ENT, Pharmacy, Dentistry, Endocrinology, Psychology, Nutrition, Fitness, Physiotherapy, Gynaecology, Urology, Psychiatry, Child Psychiatry, Dermatology, Cardiology, Nephrology). Telemedicine response time: ~15 min daytime, ~1 hour night-time (General Medicine and Paediatrics by phone).
Key conditions
Assistance call deadline
The insured (or their representative) must contact the Eurolife Assistance Centre before presenting to a medical facility, repair shop, etc. In a life-threatening emergency requiring immediate hospitalisation, Eurolife must be notified within 48 hours of hospitalisation. All insured events must be notified to the insurer within 30 days of occurrence; failure to do so gives the insurer the right to refuse indemnification if it cannot determine the cause or extent of the loss. Expenses incurred without prior Eurolife approval may be refused or reduced to a reasonable market level (max. 500 EUR for Turkey and Egypt; max. 1,500 EUR for other countries).
Unauthorized treatment
If the insured does not notify Eurolife before presenting to a medical facility or repair shop, and/or incurs expenses without approval from the Assistance Centre, Eurolife may refuse to cover those expenses or reduce the indemnification to a level considered reasonable (market prices), up to a maximum of 500 EUR in Turkey and Egypt, or 1,500 EUR in other countries. For outpatient treatments not resulting from fractures and whose value does not exceed 300 EUR, the insured may pay directly and request reimbursement upon return to Romania.
Purchase while abroad
If the insurance contract is concluded after the insured has already left Romania, coverage for insured risks begins only after 10 days from policy issuance and full premium payment (day of issuance and payment included). In such case the insured must prove, with supporting documents, that they left Romanian territory no more than 4 weeks before policy issuance.
Chronic conditions
Chronic, recurrent, degenerative or pre-existing conditions known to the insured at policy issuance are excluded. Conditions diagnosed after the policy start but with prior symptoms or for which investigations were conducted before the policy are also excluded. As an exception, emergency medical assistance for life-saving or acute pain relief during travel is covered up to 300 EUR.
Pregnancy
Pregnancy, childbirth, voluntary abortion, infertility, contraception, IVF and their complications are excluded from all coverages. The sole exception is the trip cancellation trigger (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 date, is a covered event for the cancellation coverage.
Pre-existing condition exclusions
Any pre-existing, recurrent, chronic, degenerative or continuous condition of the insured or their relatives, known at policy issuance (regardless of visible symptoms), is excluded. The insured is obliged to declare all relevant information at policy inception. Exception: life-saving assistance or acute pain relief up to 300 EUR is covered during the trip even for pre-existing conditions.
Coverage duration limit
Coverage is valid for trips not exceeding 90 consecutive days each (for persons under 70 years of age) or 30 consecutive days each (for persons aged 70 and over). Trips exceeding these periods are not covered. Multiple consecutive contracts to extend coverage beyond the maximum period are considered a breach of the insurance conditions; only the first policy will be deemed valid.
Policy specifics
Trip cancellation and interruption
Coverage for cancellation or interruption of travel due to medical reasons, family emergencies, or other specified events; refund of prepaid travel costs
Baggage loss and delay coverage
Coverage for lost, damaged, or delayed baggage; compensation for lost baggage after 21 days per Montreal Convention; reimbursement of essential necessities for baggage delayed over 6 hours
Road assistance for vehicle travel
Coverage for vehicle breakdown, accidents, and mechanical issues while traveling abroad; includes on-site repairs, towing, transport to Romania, replacement car, and roadside assistance 24/7
Pandemic emergency coverage (COVID-19 and WHO-declared pandemics)
Explicit coverage for emergency hospitalization, emergency outpatient treatment, and medical transport for diseases declared as pandemics by WHO (including COVID-19)
24/7 telemedicine consultations
Unlimited medical consultations available 24 hours a day, 7 days a week via phone or online with doctors from Romania in 21 medical specialties for non-emergency medical advice
Package purchase timing restrictions
Relaxed and Balanced packages can be purchased as late as 10 minutes before departure; Zen package requires purchase at least 2 weeks before departure due to trip cancellation coverage inclusion
High-risk destination exclusions
Insurance is not valid in countries with high travel risk according to alerts or warnings issued by Romania's Ministry of Foreign Affairs or international authorities; specifically listed exclusions include Afghanistan, Syria, Iraq, Iran, Libya, Lebanon, Yemen, and Ukraine
Pre-existing medical conditions exclusion
Medical conditions that were not declared at the time of policy purchase are not covered; insured must declare all relevant pre-existing medical conditions
Extreme sports exclusion (without optional extension)
Activities involving extreme or high-risk sports are not covered unless an optional extension is purchased; requires specific declaration and additional premium
Pregnancy exclusion after week 28
Insurance does not cover complications or incidents related to pregnancy after the 28th week of gestation; pregnant individuals must purchase insurance before week 28 of pregnancy
Alcohol or substance intoxication exclusion
Incidents, accidents, or medical conditions that occur under the influence of alcohol or drugs are not covered
Travel to active conflict zones exclusion
Insurance does not provide coverage for travel to or activities in zones with active armed conflict, civil unrest, war, or terrorism as designated by international authorities