Generali Romania Asigurare Reasigurare S.A.

Assistance call deadline

The insured must contact the assistance company (Europ Assistance) as a matter of urgency immediately after the occurrence of the insured event, within 48 hours (except in cases of force majeure). If the insured is unable to contact the assistance company, a third party (relative, friend, medical staff) may do so on their behalf. If medical services are rendered without prior notification of the assistance company and no documents justify the delay, Generali will reimburse medical and transport costs up to a maximum of 1,500 EUR.

Unauthorized treatment

If the insured uses medical services without prior consent of Generali through the assistance company, reimbursement is limited to a maximum of 1,500 EUR. The insured must also comply exactly with the procedure indicated by the assistance company and follow the medical instructions received; failure to do so may result in Generali refusing to pay the claim.

Purchase while abroad

The insurance must be concluded on Romanian territory and before the start of travel abroad. Exceptionally, Generali accepts policy issuance for persons temporarily abroad only if: (1) the insured purchases a travel package abroad for a future trip unrelated to the current trip; (2) the policy is issued on the same day the travel package is purchased; and (3) the premium is paid in full on the date of issuance. In this case, Generali's liability begins after an 8-calendar-day waiting period from the day following policy issuance and premium payment. The insured must also prove they left Romania no more than 4 weeks (28 consecutive days) before concluding the policy. No compensation is paid if the policy was issued after the insured left Romanian territory.

Chronic conditions

Chronic diseases (e.g., diabetes, arterial hypertension, chronic hepatitis, rheumatoid arthritis, cardiac insufficiency) and their consequences are excluded from coverage. Exception: if during travel abroad emergency medical care involving life-saving measures or acute pain relief is required, these are covered up to a maximum of 1,000 EUR. Persons over 70 years of age are subject to a maximum 30-day consecutive insured period per trip (for Turist Economic, Turist and Turist Plus Premium variants).

Pregnancy

Pregnancy over 26 weeks, childbirth, and voluntary termination of pregnancy are excluded. Pathological situations arising from pregnancy under 26 weeks are covered within the base emergency medical expenses. For trip cancellation (Storno), medical inability to travel due to pregnancy-related pathological situations up to 26 weeks is an insured risk, subject to the condition that the pregnancy was discovered during the period from policy issuance until the departure date.

Pre-existing condition exclusions

Pre-existing medical conditions (any injury, disease, serious illness or their consequences resulting from a disease or accident prior to the start of the insurance contract, regardless of whether treatment was administered, for which the insured has been diagnosed, received treatment, was aware of, or had objective signs/symptoms recorded in medical documents) are generally excluded. Limited exception: emergency life-saving measures or acute pain relief during travel abroad are covered up to 1,000 EUR.

Coverage duration limit

The insured 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 per trip made during the insurance period (except where otherwise specified in the Particular Conditions or Policy). Coverage may be extended for a maximum of 30 days after the start of travel abroad, provided: the insured requests the extension in writing; no insured events/claims have occurred until the request; Generali is notified at least 72 hours before policy expiry and provides written consent; and the additional premium is paid before policy expiry. Coverage ceases when the insured re-enters Romanian territory.

Emergency medical expenses

Coverage for urgent medical expenses in case of accident or illness during travel abroad, including ambulatory and hospitalization care

Medical repatriation and transportation

Coverage for medical repatriation or transportation costs in case of death from accident or illness during travel

Trip cancellation (Storno)

Optional coverage for cancellation of travel, covering unpaid accommodation costs and return ticket costs when trip must be cancelled

Emergency dental treatment

Optional coverage for emergency dental treatment expenses

Baggage loss and theft

Optional coverage for unregistered baggage loss through theft, burglary or loss

Civil liability abroad

Optional coverage for civil liability outside Romania

Extreme sports and adventure activities (Xtreme)

Optional additional coverage for extreme sports and activities with higher difficulty level

COVID-19 coverage

Coverage for SARS-Cov 2 (COVID-19) medical expenses and quarantine costs contracted during travel

Age eligibility

Insurance can be issued for any age, but persons over 79 years must request policy by email

Territorial scope and exclusions

Insurance is not valid in countries where insured has permanent domicile/residence or is a citizen. List of excluded countries provided

Waiting period for coverage

If policy is issued after travel begins, there is a 8-day waiting period during which coverage is not provided

Policy duration flexibility

Insurance can be extended for maximum 30 days after travel begins if requested with 72 hours notice

Claims notification procedure

Claims must be reported online at https://eoperation.europ-assistance.hu/travel-693 or by phone to Europ Assistance

Claim reimbursement deadline

Claims for reimbursement of medical expenses paid during travel must be submitted within 3 months from date of claim event

Assistance provider

Medical assistance and emergency coordination provided by Europ Assistance, a Generali Group company