Groupama

Assistance call deadline

The insured must call the dedicated assistance number 0374.110.115 (option 1 for medical assistance, option 2 for roadside assistance) within a maximum of 48 hours of the insured event to obtain direct settlement. For reimbursement cases (insured pays out-of-pocket), documents must be submitted as soon as possible after the end of the trip. If the notification procedure is not followed and there is justification, documentation must be submitted within 30 days of the event.

Unauthorized treatment

If the insured does not follow the instructions of the medical team or refuses the assistance company's recommendation for medical repatriation, the insurer may refuse to pay the insurance benefit. If the insured fails to notify within 48 hours without justification, direct settlement is forfeited; only expense reimbursement may be available upon submission of all required documents within 30 days of the event.

Purchase while abroad

The insurance must be concluded before departure abroad. The insurer's liability begins only after the insured physically crosses the borders of Romania (or country of citizenship/residence). Entry into the international zone of airports does not count as border crossing. Purchase while already abroad is not permitted under the standard terms.

Chronic conditions

Chronic conditions (pre-existing conditions) are generally excluded. Only the first necessary service (life-saving medical assistance, acute pain relief, or recommended medical repatriation) is covered up to a maximum of 1,000 EUR. The policy recommends that insured persons with chronic conditions carry a brief medical history of their condition/treatment for use in major emergencies.

Pregnancy

Medical assistance for pregnancy, childbirth, abortion (including therapeutic abortion), voluntary termination of pregnancy, infertility treatment, and artificial insemination are excluded. Exception: emergency medical expenses for saving the life of the mother and/or child in case of medical emergency due to existing pregnancy or spontaneous birth, up to a maximum of 500 EUR, only if the first service is organised exclusively by the medical assistance company.

pre_existing_conditions

Pre-existing conditions are excluded, with the sole exception of the first necessary service (life-saving medical assistance, acute pain relief, or recommended medical repatriation) covered up to 1,000 EUR maximum. A pre-existing condition is defined as any disease or injury: (a) diagnosed by a physician before the policy effective date; (b) first contracted before the effective date but not yet diagnosed; (c) whose clinical symptoms first manifested before the effective date; or (d) that showed no symptoms after treatment but presents a medical risk of relapse.

coverage_duration_limit

Minimum coverage duration is 3 days, maximum 365 consecutive days per policy period. Coverage begins after premium payment and after the insured physically crosses the Romanian (or citizenship/residence country) border. Coverage ends at 24:00 on the policy expiry date or upon re-entering Romania (or country of citizenship/residence), whichever occurs first. If hospitalisation continues after the policy expiry, coverage extends by up to 30 days for the original event within the insured sum. The policy can cover multiple trips abroad during its validity period.

Emergency Medical Care

Covers medical procedures necessary for stabilizing medical condition caused by accident or acute illness during travel

Medical Repatriation

Transport of insured person unable to travel alone to home country or nearest hospital where recommended treatment can be provided

Hospitalization Coverage

Covers inpatient treatment in hospital under physician supervision using recognized medical methods

Accident Insurance

Provides fixed indemnity for death or total permanent disability occurring within one year after accident during travel

Emergency Dental Treatment

Covers emergency dental treatment for pain relief and treatment of conditions caused by accidents

Vacation Cancellation Insurance (Optional)

Optional supplementary insurance covering costs of prepaid vacation services if insured is prevented by unforeseen event

Seasonal Sports Coverage (Optional)

Optional supplementary insurance covering high-risk winter/summer sports including skiing, snowboarding, surfing, rafting, paragliding

Airplane Travel Insurance (Optional)

Optional supplementary coverage for flight delays, flight cancellations/losses, and baggage delays or losses

Trip Interruption/Extension Insurance (Optional)

Optional supplementary insurance covering costs if trip must be extended or interrupted due to insured events (hospitalization, death of relative)

Direct Settlement Requirement

Insured must notify insurer within 48 hours of any covered event to obtain direct settlement; failure to notify may result in fixed indemnity instead of full reimbursement

Coverage Territory Restrictions

Travel must be outside Romania, country of citizenship or country of residence; three package options with different geographic scope (Europe only for Package A, worldwide for Packages B and C)

Telemedicine Chat Service (Included)

24/7 access to licensed physicians for rapid medical evaluation, support and advice via messaging apps (WhatsApp, Messenger, Telegram, SMS) - free preventive service

Insurance Duration Requirements

Minimum 3 days, maximum 365 consecutive days per policy period; policy begins next day after premium payment and ends when returning to home country