Eurolife FFH Asigurări Generale S.A. / Eurolife FFH Asigurări de Viață 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 provider on behalf of the insured, or reimburse the insured if they pay out of pocket; prior approval from the Eurolife Assistance Centre is required before incurring expenses (except in life-threatening emergencies where hospitalization within 48 hours and notification are required).
Geographic scope
Abroad (excluding Romania and high-risk countries)
Valid in the country or territory specified in the policy, excluding Romania, Ukraine, Iraq, Iran, Afghanistan, Syria, Yemen, Libya and Lebanon, as well as any other high-risk country per Romanian Ministry of Foreign Affairs travel alerts.
Unique selling points
- Unlimited 24/7 telemedicine consultations with specialist physicians (over 22 specialties via Telios) are included in all coverage tiers at no extra cost — a feature typically charged separately by other insurers.
- Emergency medical assistance limits up to 50,000 EUR per person, well above the Schengen visa minimum, with direct payment to providers so the insured does not pay out of pocket in emergencies.
- COVID-19 medical treatment is explicitly covered under the base policy as an exception to the pandemic exclusion, including trip cancellation triggered by a mandatory quarantine/isolation proven by a positive PCR test.
- Romanian-language assistance centre available 24/7 throughout the entire trip, with a dedicated phone line staffed exclusively in Romanian — a significant advantage for Romanian travelers abroad.
- Optional leisure and adventure sports coverage (Art. 5.3.6.2) extends protection to a wide range of activities — from skiing and scuba diving to bungee jumping, kayaking and kitesurfing — with a single optional add-on declaration, avoiding the need to purchase separate sports policies.
Coverage limits
Emergency medical assistance (accidents and illness)
Covered
Covers standard and reasonable emergency inpatient hospitalization and outpatient medical care (including medications) arising from a medical emergency during the trip. Excludes prosthetics/implants. Available across three insured-sum tiers: 10,000 EUR (basic), 30,000 EUR (mid), 50,000 EUR (top). Coverage ceases once the insured meets repatriation conditions assessed by the Eurolife medical team.
Emergency medical treatment (inpatient and outpatient)
Covered
Covers emergency inpatient and outpatient treatment (including medications by prescription) for sudden illness or bodily injury constituting a medical emergency. Limits mirror the overall medical assistance sum: 10,000 EUR / 30,000 EUR / 50,000 EUR per insured person. Home visit costs (e.g. hotel room) are not covered. Follow-up visits covered only if recommended in the initial medical report.
Emergency hospitalization
Covered
Standard and reasonable inpatient hospitalization costs are covered within the overall medical assistance limit (10,000 / 30,000 / 50,000 EUR per tier) when medically necessary and justified. Special accommodation conditions requested by the insured without medical indication (private room, phone, TV, massages, etc.) are excluded.
Emergency outpatient treatment
Covered
Covers standard and reasonable outpatient medical care and medications by prescription at a medical clinic when the insured needs emergency treatment not requiring hospitalization. Covered within the overall medical assistance limit (10,000 / 30,000 / 50,000 EUR). For outpatient treatments not resulting from fractures and under 300 EUR, Eurolife may ask the insured to pay directly and seek reimbursement upon return to Romania.
Emergency dental treatment
Covered
Covers emergency dental treatment for immediate pain relief or urgent repair of dental prostheses or artificial teeth to facilitate chewing, following bodily injury or acute crisis. Limit: 150 EUR in the 10,000 EUR tier; 300 EUR in the 30,000 EUR and 50,000 EUR tiers. Prostheses, reconstruction and fillings are excluded.
Emergency medical transport
Covered
Covers transfer of the insured from the incident location to the nearest medical facility (including air ambulance, commercial flight, ground ambulance with medical escort if required), and inter-facility transfer to a better-equipped hospital. Fixed limit of 5,000 EUR across all three insured-sum tiers. The Eurolife medical team and attending physician jointly decide the mode and timing of transport.
Medical repatriation
Covered
Covers repatriation of the hospitalized insured to their home locality in Romania or a nearby medical facility once medically cleared. Limit: 5,000 EUR in the 10,000 EUR tier; 10,000 EUR in the 30,000 EUR and 50,000 EUR tiers. Also covers repatriation of co-traveling insured persons on the same policy when planned return is impossible due to the insured's hospitalization. Air ambulance restricted to continental transport.
Repatriation of remains in case of death
Covered
Covers repatriation of the insured's remains to Romania in the event of death abroad due to sudden illness or accident, including the cost of the coffin (up to 1,500 EUR deducted from the overall limit). Limit: 5,000 EUR in the 10,000 EUR tier; 10,000 EUR in the 30,000 EUR and 50,000 EUR tiers. On request, Eurolife can also cover cremation and transport of the urn, or burial abroad.
Search and rescue
Covered
Covers search and rescue costs by specialized entities following bodily injury or illness, including first aid at the incident site and transport to the nearest medical facility (by sled, toboggan, helicopter, motorboat, etc.). Limit: 300 EUR in the 10,000 EUR tier; 1,000 EUR in the 30,000 EUR and 50,000 EUR tiers.
COVID-19 medical treatment
Covered
Medical expenses resulting from a COVID-19 diagnosis during the trip are covered as an exception to the general pandemic/epidemic exclusion (Art. 10.2.ad). The limit follows the overall medical assistance sum (10,000 / 30,000 / 50,000 EUR). Trip cancellation due to COVID-19 is also covered (when policy includes cancellation cover) if the insured must be hospitalized, isolated or quarantined during the planned trip period, proven by a positive PCR test. Quarantine/isolation costs imposed by authorities are not covered.
Pre-existing / chronic conditions
Excluded
Pre-existing, chronic, recurrent, degenerative or continuous conditions known to the insured at the time of policy issuance are excluded, regardless of whether symptoms were visible. Conditions whose symptoms appeared before the policy period, even if unexamined, are also excluded, as are acute exacerbations or complications of pre-existing conditions. As a narrow exception, during the trip up to 300 EUR is covered for emergency life-saving treatment or acute pain relief related to a pre-existing condition.
Winter sports and leisure activities cover
Optional
Winter sports (skiing on groomed slopes, snowboard on groomed slopes, cross-country skiing on marked trails, snowblading/skiboarding, monoski, snowmobile rides, snowshoe walks) are covered as optional leisure sports activities (Art. 5.3.6.2) when the insured declares intent to practice them and pays the additional premium. The insured sum used is that of the core medical assistance tier selected. Off-piste skiing, acrobatic skiing, helicopter-dropped skiing, skeleton, and bob are excluded.
Adventure and leisure sports cover
Optional
A wide range of leisure sports and activities (bungee jumping, kayak/canoe up to class 3, horse riding, mountain trekking up to 4,000 m without equipment, scuba diving with appropriate certifications up to stated depths, surfing, kitesurf, windsurf, rafting up to class 3, abseiling, zip-lining, zorbing, etc.) are covered as an optional add-on (Art. 5.3.6.2) when declared and an additional premium is paid. Sports practiced as a professional or as the primary purpose of the trip are excluded (except golf and winter sports). Extreme or off-road activities (ATV, motocross, high-altitude above 4,000 m, BASE jumping, cave diving, etc.) remain excluded.
Pregnancy and maternity complications
Excluded
Pregnancy, childbirth, voluntary abortion, infertility, contraception, IVF, antenatal check-ups and their complications are excluded from medical coverage (Art. 10.2.m). As a narrow exception, trip cancellation triggered by premature birth of the insured's child or grandchild (before week 37 of pregnancy), occurring up to 7 days before the planned trip departure, is covered under the optional trip cancellation benefit when included in the policy.
Civil liability towards third parties
Covered
Covers material damage or bodily injury caused by the insured to third parties through a culpable act during the trip, under the law of the country where damage occurred. Limit: 5,000 EUR per policy (per event and in aggregate), regardless of the number of insured persons. Limit is the same across all three tiers. Excludes: damage in Romania/country of residence, pure financial losses, moral damages, damage to rented goods in the insured's custody, claims from family members/employees, activities related to vehicles/aircraft, professional activities, and cyber risks.
Legal assistance
Excluded
No standalone legal assistance coverage is offered under this product. The civil liability coverage (Art. 5.2.13) includes only compensation of actual damage to third parties; legal representation costs are not separately covered as a legal assistance benefit.
24/7 assistance centre and telemedicine
Covered
A Romanian-language assistance centre is available 24 hours/day, 7 days/week throughout the entire trip. In addition, unlimited telemedicine consultations (online or by phone) with specialist physicians via the Telios platform are included across all three tiers — covering over 22 medical specialties with 24/7 availability; phone consultations connect to General Medicine and Paediatrics in approximately 15 minutes during daytime, within 1 hour at night.
Key conditions
Assistance call deadline
The insured must contact the Eurolife Assistance Centre (+40 314 23 00 79) urgently BEFORE presenting to a medical facility or repair unit. In a life-threatening emergency requiring immediate hospitalization, the insured or their representative must notify Eurolife within 48 hours of hospitalization. Any insured event must be notified to Eurolife within 30 days of occurrence; otherwise Eurolife may refuse compensation. Expenses incurred without prior Eurolife approval may be refused or capped at a reasonable market level (max 500 EUR in Turkey/Egypt, max 1,500 EUR in other countries).
Unauthorized treatment
If Eurolife is not notified before the insured presents to a medical or repair facility, and/or expenses are incurred without Assistance Centre approval, Eurolife may refuse coverage or reduce the compensation to a level deemed reasonable (at market prices), capped at a maximum of 500 EUR in Turkey and Egypt, and 1,500 EUR in all other countries.
Purchase while abroad
If the policy is concluded after the insured has already left Romania, coverage of insured risks begins only after 10 days from policy issuance and full premium payment (day of issuance/payment included). The insured must prove they left Romania no more than 4 weeks before policy issuance.
Chronic conditions
Chronic, recurrent, degenerative or continuous diseases known to the insured at policy issuance are excluded. Conditions whose symptoms appeared before the coverage period are also excluded, even if unexamined. Exacerbations or complications of pre-existing conditions are not covered. Exception: up to 300 EUR for life-saving care or acute pain relief during the trip.
Pregnancy
Pregnancy, childbirth, voluntary abortion, infertility, contraception, IVF and their complications are excluded from medical coverage. Exception for trip cancellation only: premature birth of the insured's child or grandchild (before week 37 of pregnancy) occurring up to 7 days before planned departure is covered under the optional trip cancellation benefit.
Pre-existing condition exclusions
Pre-existing conditions known at policy issuance are excluded (including chronic, recurrent and degenerative conditions). Events caused by conditions for which symptoms appeared or investigations were underway before policy issuance are also excluded, even if the final diagnosis came after. Limited exception: up to 300 EUR for life-saving or acute pain relief during the trip.
Coverage duration limit
Coverages are valid for trips not exceeding 90 consecutive days each; for insured persons aged 70 or over (age 69+), the maximum covered trip duration is 30 consecutive days. Coverages are not valid for trips exceeding these periods. Consecutive policies to extend beyond these limits are considered a breach and only the first policy will be valid.
Policy specifics
Trip cancellation coverage
Coverage for trip cancellation and interruption, available in ZEN and ECHILIBRAT packages; includes reimbursement of pre-paid travel services, accommodation, and other expenses in case of unforeseen events
Baggage coverage
Coverage for lost, damaged, or delayed baggage; includes reimbursement for lost baggage (after 21 days per Montreal Convention) and expenses for essential items when baggage is delayed over 6 hours
Road assistance coverage
Coverage for road assistance including vehicle breakdown, accidents, and towing to nearest service station; applicable when traveling by personal or rental car
24/7 telemedicine consultations
Unlimited access to medical consultations via phone or online 24 hours a day, 7 days a week with Romanian doctors for non-urgent medical matters during travel
Territorial validity restrictions
Insurance valid only in specified countries/territories, excluding high-risk countries as per alerts from Romanian Ministry of Foreign Affairs (e.g., Afghanistan, Syria, Iraq, Iran, Libya, Lebanon, Yemen, Ukraine)
Pandemic and epidemic coverage
Coverage for medical expenses related to COVID-19 and other pandemic/epidemic conditions; specific terms and exclusions apply per policy conditions
Extreme sports exclusion
Coverage excludes extreme sports and high-risk activities unless explicitly extended through optional endorsement
Pregnancy coverage limitation
Coverage for pregnancy-related medical conditions is limited; pregnancy after week 28 is not covered
Alcohol intoxication exclusion
Insurance does not cover incidents or accidents that occur while the insured person is under the influence of alcohol
Armed conflict and war exclusion
Coverage excludes claims arising from active armed conflict, war, or terrorism in the travel destination
Notification requirement for claims
Insured must notify Eurolife assistance center (+40 314 23 00 79) within 2 calendar days of an insured event occurrence and must inform travel service provider within 2 days to request reprogramming or cancellation
Coverage start date condition
Medical coverage begins on the trip departure date specified in the policy; trip cancellation coverage begins on policy issuance date and ends on the trip departure date