GERROMA / asiguraridevacanta.ro Travel insurance (Asigurare Medicala Calatorie)

Covers outpatient medical consultations, medicines, laboratory tests, other investigations, emergency medical transport, physician transport, ophthalmological and dental medical assistance (accident-related). Varies by tier: Economic (2,000 EUR), Standard (5,000 EUR), Premium (10,000 EUR), Suprem (30,000 EUR).

Emergency medical assistance included in all tiers within the overall insured sum. Covers acute illness and accident treatment. A second medical consultation justified in relation to the insured case is covered up to a maximum of 20 EUR.

Hospitalization including emergency medical transport. Standard: max 1,500 EUR; Premium: max 2,500 EUR; Suprem: max 6,500 EUR. Maximum per hospitalization day is 500 EUR regardless of medical unit category, care class, or medical speciality; the discharge day is not compensated. Economic tier covers outpatient only (no hospitalization sub-limit stated).

Outpatient medical consultations, medicines, laboratory tests, and other investigations are covered across all tiers within the overall insured sum. Economic tier sub-limits: consultations 30 EUR; medicines 50 EUR; laboratory tests 50 EUR; other investigations 50 EUR; second consultation 20 EUR (all within the 2,000 EUR overall sum).

Dental medical assistance and related medication covered up to a maximum of 100 EUR, only if it is the exclusive consequence of an accident. Routine or preventive dental work is excluded.

Economic: emergency medical transport max 100 EUR and physician transport max 50 EUR. Standard, Premium and Suprem: emergency transport is included within the hospitalization limit (1,500 / 2,500 / 6,500 EUR).

Repatriation of the insured's remains in case of death is covered within the overall policy limits. The Suprem tier additionally provides a death indemnity of 3,000 EUR to legal heirs; the Premium tier provides 2,000 EUR.

Search and rescue costs are not explicitly covered in the standard travel medical policy tiers (Economic, Standard, Premium, Suprem). The ski-specific insurance (asigurarideski.ro) covers search and rescue on slopes, but that is a separate product.

Optional COVID-19 clause (Clauza COVID-19) available as add-on to any medical travel policy tier, covering up to 1,000 EUR for: emergency medical costs due to COVID-19 illness during the insured period (where COVID-19 is the primary diagnosis requiring hospitalisation/quarantine/isolation/treatment), and additional repatriation costs caused directly by COVID-19 illness requiring hospitalisation/quarantine/isolation. Also covers repatriation expenses when the insured dies from COVID-19.

Pre-existing conditions are not covered. Chronic illnesses are considered pre-existing conditions. The travel medical insurance does not cover pre-existing conditions or their consequences.

Winter sports are not covered under the standard travel medical policy (Economic, Standard, Premium, Suprem). Special winter sports insurance plans are available separately at asigurarideski.ro.

Extreme and leisure sports are covered only through the Adventure insurance plan (available via asiguraridevacanta.ro). The Adventure plan covers up to 10,000 EUR with a 2,000 EUR death indemnity in case of accident as the exclusive consequence of practicing extreme or leisure sports. Standard tiers (Economic, Standard, Premium, Suprem) exclude accidents from extreme sports.

Personal liability coverage is not mentioned in any of the verified sources for the GERROMA travel medical policy tiers.

Legal assistance coverage is not mentioned in any of the verified sources for the GERROMA travel medical policy tiers.