Groupama Travel insurance (Calatorii Strainatate)

Direct settlement or reimbursement of medical costs necessary to stabilize the insured's health condition, including outpatient diagnosis and treatment, prescribed medicines and auxiliary materials, inpatient hospital treatment (until repatriation is possible), emergency surgery, and emergency ambulance transport. Silver (Package A): up to 10,000 EUR; Gold (Package B): up to 30,000 EUR; Platinum (Package C): up to 50,000 EUR.

Covers emergency outpatient consultations recommended by a doctor and approved by the assistance company, prescribed medications, inpatient hospital treatment under direct medical supervision using recognized methods, and emergency surgical intervention when repatriation is not possible. Coverage ceases once the insured's condition permits repatriation. Limits: Silver 10,000 EUR / Gold 30,000 EUR / Platinum 50,000 EUR (within the global medical sum insured).

Inpatient hospital treatment is covered within the overall medical assistance sum insured until the insured's condition permits repatriation. Additional costs triggered by hospitalization exceeding 10 days are separately covered: family member visit (up to 300 EUR), repatriation of minor children (up to 300 EUR), urgent telephone calls (up to 50 EUR). All tiers: hospitalization costs within the base sum (10,000 / 30,000 / 50,000 EUR).

Emergency outpatient medical treatment and diagnosis recommended by a doctor and approved by the assistance company is covered within the overall medical assistance sum insured. Limits: Silver 10,000 EUR / Gold 30,000 EUR / Platinum 50,000 EUR.

Covers medical services necessary for the removal of acute pain and pain caused by accidents, dental X-ray, and consequences of dental conditions. Maximum 300 EUR for all tiers (Silver, Gold, Platinum).

Emergency transport of the insured by ambulance services to the nearest hospital, nearest doctor, or transfer to another hospital if recommended by a physician, covered within the overall medical assistance sum insured. Limits: Silver 10,000 EUR / Gold 30,000 EUR / Platinum 50,000 EUR.

Direct settlement of transport for the insured, who is unable to travel alone, to their home locality or the nearest hospital in Romania (country of citizenship/residence) that can provide the recommended treatment. Timing and mode of transport determined by the attending physician together with the medical team of the assistance company. Maximum 10,000 EUR for all tiers. If the insured cannot follow the repatriation recommendation or repatriation is not strictly necessary and the insured self-organizes return, a flat indemnity of up to 500 EUR is paid based on supporting documents.

Direct settlement or reimbursement of costs for transporting the insured's body to the locality of domicile/burial, including the cost of the coffin, or burial/cremation costs at the place of death. Silver (Package A): up to 5,000 EUR; Gold (Package B): up to 7,000 EUR; Platinum (Package C): up to 10,000 EUR. Covered only if death was not caused by an excluded event.

Search and rescue costs are not explicitly listed as a standalone covered benefit in the base package or supplementary insurances. The winter/summer sports add-on covers emergency air ambulance transport and transport from the accident site to the ambulance (e.g., mountain rescue/stretcher sled) to the nearest hospital, at the recommendation of the assistance company, but no standalone search-and-rescue limit is stated.

Epidemics, pandemics, national or global health emergencies and any direct or indirect effects thereof are explicitly excluded under clause 7.1.u of the General Conditions. COVID-19 as a pandemic-related illness is therefore not covered.

Pre-existing medical conditions are generally excluded. By exception, the insurer covers only the first necessary service (life-saving medical assistance, relief of acute pain, or medical repatriation if recommended) up to a maximum of 1,000 EUR. This exception applies to all tiers and is conditional on first organizing the service exclusively through the assistance company.

Optional add-on covering accidents during recreational amateur winter sports with medium or high risk: skiing, snowboarding, sledding, snowmobile, ice skating, tubing, skibobbing, ski biking, snowkiting, ice climbing, and during the winter season: mountaineering/climbing, indoor/outdoor escalade, mountain ascents under 5,000m, paragliding, ATV rides, hunting. Exclusions: ski/snowboard jumping, mountain ascents involving oxygen deprivation, sports outside designated areas or without proper equipment. Coverage follows the base package medical sum (10,000 / 30,000 / 50,000 EUR). Also covers emergency air ambulance transport and transport from accident site to ambulance (e.g. mountain rescue).

Optional add-on covering accidents during recreational amateur summer/adventure sports with medium or high risk: nautical sports (snorkeling, yachting, jet skiing, scuba diving, parascending/paragliding, stand up paddling, water skiing, rafting, surfing, windsurfing, kitesurfing, canoe, kayak, sailing), and warm-season activities (paragliding, mountaineering, mountain ascents under 5,000m, indoor/outdoor escalade, bungee jumping, zip-line, paintball, archery, horse riding, karting, cycling: speed biking/mountain bike/downhill, enduro motorcycling, ATV, hunting). Exclusions: oxygen-deprivation mountain ascents, out-of-bounds sports, lack of proper equipment. Coverage follows the base medical sum insured.

Medical assistance and repatriation for pregnancy, childbirth, abortion (including therapeutic), voluntary termination of pregnancy, infertility treatment, and artificial insemination are generally excluded. By exception, in the event of a medical emergency due to existing pregnancy or spontaneous birth, only emergency medical costs to save the life of the mother and/or child are covered, up to a maximum of 500 EUR, and only if the first service is organized exclusively by the medical assistance company.

Covers accidental bodily injury or property damage caused to third parties during the trip. Also covers court costs in civil proceedings arising from the insured's tortious liability. Package A (Silver): not covered. Package B (Gold): up to 2,000 EUR. Package C (Platinum): up to 5,000 EUR. Key exclusions include: deliberate/criminal acts, damage to family members (up to 4th degree), professional/contractual liability, moral damages, pure financial losses, use of motor vehicles, professional activities, extreme sports competitions.

Standalone legal assistance is not a covered benefit. Court costs are covered only as part of the individual civil liability coverage (Packages B and C) when the insured is a defendant in civil proceedings arising from tortious liability during travel.