Generali

Assistance call deadline

The insured must notify the Assistance Company (Europ Assistance) as soon as possible and before receiving medical services or arranging repatriation transport. If Generali/Assistance Company is not notified prior to medical services and no documents justify the delay in notification, Generali will pay medical and transport expenses up to a maximum of 1,500 EUR. The insured has up to 3 months from the event date to submit a reimbursement request if they paid without notifying the Assistance Company.

Unauthorized treatment

Medical services used without the prior consent of Generali through the Assistance Company are compensated by Generali up to a maximum of 1,500 EUR. The insured must follow the procedure indicated by the Assistance Company; Generali will not pay compensation if the insured does not comply with the Assistance Company's procedure, doctor's instructions, or prescribed treatment.

Purchase while abroad

The insurance policy must be concluded on Romanian territory and before the start of foreign travel. Exception: Generali accepts policy issuance for persons temporarily outside Romania only if the insured purchases a travel package for a future trip unrelated to the current trip, the policy is issued on the same day as the purchase of the travel package, and the premium is paid in full at policy issuance. If the insured is abroad at the time of policy issuance, coverage begins after an 8-calendar-day waiting period. No compensation is paid if the policy was issued after the insured left Romania or the premium was paid after leaving Romania (except per Art. 3.2).

Chronic conditions

Chronic medical conditions (known conditions with long evolution or frequent relapses requiring specialized medical care, such as diabetes, chronic hepatitis, cardiac insufficiency, rheumatoid arthritis, etc., including conditions favored by excessive alcohol consumption, toxic substances, narcotics, or smoking) are generally excluded. Emergency life-saving measures and acute pain relief for such conditions are covered up to 1,000 EUR.

Pregnancy

Pregnancy over 26 weeks, childbirth, voluntary termination of pregnancy, and therapeutic abortion are excluded. For pregnancy under 26 weeks, only pathological situations (illness) related to the pregnancy are covered. Medical impossibility to travel due to pregnancy up to 26 weeks qualifies as an insured risk under the optional Trip Cancellation (STORNO) clause if detected during the period from policy issuance to departure.

pre_existing_conditions

Pre-existing conditions (any injury, illness, serious illness or consequences thereof, or any pathological manifestation resulting from an illness or accident that occurred before the policy entry into force date, regardless of whether treatment was administered, for which the insured was diagnosed, received or followed treatment or medical services, was aware of, or presented signs/symptoms noted in medical documents) are excluded. Exception: emergency life-saving measures and acute pain relief during foreign travel are covered up to 1,000 EUR.

coverage_duration_limit

The insurance period cannot be less than 3 days or more than 1 year. For policies with an insurance period exceeding 120 days, coverage is limited to a maximum of 120 consecutive days for each trip made during the insurance period (except for work/study trips where coverage is continuous for the entire insured period up to 365/366 days). Post-expiry coverage is limited to a maximum of 4 days for ongoing inpatient hospitalization emergencies at 500 EUR/day/insured.

Flight Cancellation / Trip Cancellation (Storno)

Optional coverage for trip cancellation with specific conditions; must be purchased within certain timeframes relative to travel booking

Medical Repatriation

Coverage for transport of sick, injured, or deceased insured to Romania; arranged exclusively by insurer through assistance company

Emergency Medical Expenses

Coverage for emergency medical treatment during accident or illness abroad, including hospitalization and outpatient care

Pre-existing and Chronic Disease Limitation

Chronic medical conditions with frequent recurrence requiring specialist care are generally excluded (diabetes, chronic hepatitis, cardiac insufficiency, rheumatoid polyarthritis, etc.)

8-Day Waiting Period (Initial Coverage)

If insured is outside Romania at time of policy issuance, coverage begins after 8 calendar days from next day after policy issuance and premium payment

COVID-19 Medical and Quarantine Coverage

Medical expenses and transport costs related to COVID-19 quarantine period contracted during travel, limited to €500 per person from insured sum

Mandatory Use of Designated Assistance Company

All medical emergencies must be reported to and coordinated through insurer's designated assistance company (Europ Assistance); direct payments to providers require authorization

Territorial Coverage Exclusions

Insurance invalid in countries where insured has permanent residence/domicile or of which is a citizen. Also excludes countries with government travel warnings or embargoes

High-Risk and Professional Activities Exclusion

No coverage for mountain climbing above 2,500m, professional sports, hazardous activities, motorcycle riding (except public road use), aviation activities unless explicitly covered

Policy Must Be Issued Before Leaving Romania

Insurance policy must be taken out on Romanian territory and before commencement of foreign travel. Premium must be fully paid before policy effectiveness

Age Eligibility Limits

General coverage up to age 79 (age calculated as difference between calendar year of coverage start and birth year); persons 80+ require special request