Signal Iduna Asigurare Reasigurare S.A.
SIGNAL IDUNA
SIGNAL IDUNA is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
Medical costs (excluding outpatient treatment and medicines) are paid directly by the assistance company on behalf of the insurer. If the insured pays out-of-pocket, reimbursement is made in RON at the interbank exchange rate of the day the expense was incurred, within 15 working days of submitting all required documents.
Geographic scope
Worldwide (excluding Romania and Iran; also excluding insured's country of citizenship if different from Romania)
Valid in border countries (Bulgaria, Serbia, Hungary, Ukraine, Moldova), European countries, USA, Canada, Israel, and all other countries except Iran. Not valid in Romania or in the insured's country of citizenship.
Starting price
€9
Unique selling points
- Coverage across 7 selectable destination plans from border countries to worldwide, with total insured sums up to 50,000 EUR (Plan B3 – Europe), exceeding the 30,000 EUR Schengen visa minimum.
- Dedicated optional extreme sports rider covering alpine skiing, snowboarding, mountaineering, scuba diving, rafting, bungee jumping, and tandem paragliding – a differentiator among Romanian travel insurers.
- 24/7 multilingual telephone assistance line operated by Coris, enabling real-time medical translation and emergency coordination from anywhere in the world.
- COVID-19 medical and repatriation expenses covered for tourist travel within Europe and border countries under policy sub-limits, with a 2,500 EUR fallback for worldwide and non-tourist travel.
- Backed by SIGNAL IDUNA Gruppe, a German financial group with over 110 years of history, providing strong solvency and claims-handling expertise.
Coverage limits
Medical expenses (total insured sum)
Covered
Total insured sum covering medical, pharmaceutical, hospitalization and repatriation expenses. Varies by plan: Plan A1 5,000 EUR; Plan A2/B1 10,000 EUR; Plan B2/C/D 30,000 EUR; Plan B3 50,000 EUR. Business travel and professional driver plans capped at 30,000 EUR regardless of destination.
Emergency medical treatment (pharmaceutical, sanitary transport and other medical expenses sub-limit)
Covered
Sub-limit for pharmaceutical, sanitary transport and other medical/assistance expenses within the total insured sum. Plan A1: 1,500 EUR; Plan A2/B1: 3,500 EUR; Plan B2/C/D: 10,000 EUR; Plan B3: 17,000 EUR. Covers sudden and unforeseeable illness endangering health or life, and bodily injury from accident.
Surgical and hospitalization expenses sub-limit
Covered
Sub-limit for surgical and hospitalization costs within the total insured sum. Plan A1: 2,500 EUR; Plan A2/B1: 4,000 EUR; Plan B2/C/D: 13,000 EUR; Plan B3: 20,000 EUR. Family visit covered if hospitalization exceeds 15 days (economy return ticket + up to 30 EUR/day hotel for max 5 days).
Outpatient (ambulatory) treatment
Covered
Outpatient treatment and medicines are covered under the pharmaceutical and other medical expenses sub-limit. Costs for outpatient treatment and medicines are reimbursed to the insured (not paid directly by the assistance company). Sub-limits: Plan A1: 1,500 EUR; Plan A2/B1: 3,500 EUR; Plan B2/C/D: 10,000 EUR; Plan B3: 17,000 EUR.
Emergency dental treatment
Covered
Emergency dental treatment covered for pain relief only. Plan A1/A2: 50 EUR per tooth, maximum 3 teeth (max 150 EUR). Plans B1/B2/B3/C/D: 100 EUR per tooth, maximum 3 teeth (max 300 EUR). Routine dental treatment not covered.
Medical transport
Covered
Sanitary transport to nearest appropriate hospital covered within the pharmaceutical and other medical expenses sub-limit. Air ambulance transport limited to continental transport. Covered under Plans A1 through D.
Medical evacuation / repatriation
Covered
Repatriation to a hospital near the insured's home in Romania or as a regular passenger after treatment, if health permits. Sub-limits per plan: Plan A1: 1,000 EUR; Plan A2/B1: 2,500 EUR; Plan B2/C/D: 7,000 EUR; Plan B3: 12,000 EUR. Air ambulance limited to continental transport. Discharge/transfer requires assistance company approval.
Repatriation of mortal remains
Covered
In the event of the insured's death, the assistance company organizes and covers repatriation of mortal remains including post-mortem treatment, coffin conforming to international transport standards, and transport to the place of burial in Romania. Covered within the repatriation sub-limit of each plan.
Search and rescue
Excluded
Search and rescue operations are not explicitly covered or listed as a covered benefit in the policy terms and conditions.
COVID-19 medical and repatriation expenses
Conditional
For tourist travel to border countries (Plan A) and European countries (Plan B): covered up to the plan sub-limits. For tourist travel to USA, Canada, Israel (Plan C) or rest of world (Plan D): 2,500 EUR combined for medical and repatriation. For non-tourist travel (business, study, work, professional driver): 2,500 EUR combined regardless of destination. Quarantine accommodation not covered. Positive RT-PCR test required as proof. Not covered outside Europe for epidemic/pandemic-declared situations.
Acute episode of pre-existing condition / chronic disease
Conditional
Medical expenses arising from an acute episode of a pre-existing condition or chronic disease are covered up to 500 EUR across all plans. General pre-existing conditions and chronic diseases are otherwise excluded. An acute episode is defined as sudden worsening of symptoms requiring medical intervention to prevent death, organ damage, or irreversible impairment.
Winter sports cover
Optional
Skiing, snowboarding, and ski-bobbing are listed as leisure sports (sport de agrement) and require an additional premium for amateur recreational practice. Coverage for alpine skiing and snowboarding can be obtained via the optional extreme sports rider. Professional and competitive winter sports are excluded.
Adventure / extreme sports cover
Optional
Optional rider covering extreme and adventure sports including alpine skiing, snowboarding, mountaineering (up to 4,000 m), recreational scuba diving (up to 30 m), mountain biking, rafting, canyoning, bungee jumping, and tandem paragliding. Additional premium of 3–10 EUR depending on activity and destination. Professional and competitive activities excluded. Rider must be selected at purchase.
Pregnancy complications
Conditional
Covered only for obvious and unforeseen complications occurring before the 28th week of pregnancy, provided the pregnant woman is under 40 years old. Routine pregnancy care, childbirth, contraception, sterilization, abortion, and fertility investigations are excluded. Medical treatment that can be postponed until return to Romania is not covered.
Personal liability
Excluded
Personal liability coverage is not included in the SIGNAL Travel policy. The policy covers only medical assistance and repatriation expenses.
Legal assistance
Excluded
Legal assistance is not covered. In non-medical situations (e.g. loss of documents, theft), the assistance company only provides information on how to contact the relevant authorities, without financial coverage.
24/7 emergency assistance
Covered
24/7 telephone assistance provided by the assistance company (Coris): tel. +40 21 400 80 00, fax +40 21 201 90 40, email assistance@coris.ro. Assistance includes medical guidance, doctor/medical team dispatch coordination, hospitalization management, and multilingual support. The insured must contact the assistance center immediately in any emergency.
Key conditions
Assistance call deadline
In case of emergency requiring hospitalization, the insured must notify the assistance company within 48 hours of admission. For all other emergencies, immediate contact with the assistance center is required. If unable to call before contacting a doctor, the insured must do so as soon as possible.
Unauthorized treatment
If the insured does not notify the assistance company and pays for medical expenses personally, they must justify the reasons for non-compliance. The insurer has the right to assess the justification and may refuse to pay compensation if it cannot determine the cause or extent of the insured event due to the insured's failure to fulfill obligations. Reimbursement claims must be submitted within 30 days of treatment completion.
Purchase while abroad
Insurance can only be purchased before the trip begins. If the insured is already outside Romania at the time of policy issuance, the policy will have no effect. If the policy effective date coincides with the departure date, a 4-hour waiting period applies from the moment of policy issuance.
Chronic conditions
Chronic diseases are excluded from coverage. Only medical expenses arising from an acute episode of a pre-existing condition or chronic disease are covered, up to a sub-limit of 500 EUR per plan. A chronic disease is defined as a known medical or psychiatric condition with long-term evolution or frequent relapses requiring specialist care (e.g. diabetes, chronic hepatitis, rheumatoid arthritis, cardiac insufficiency).
Pregnancy
Pregnancy, childbirth, contraception, sterilization, abortion and related consequences, fertility investigations, and all medical expenses related to pregnancy care and routine checks are excluded. Exception: obvious and unforeseen complications occurring before the 28th week of pregnancy, provided the pregnant woman is under 40 years old.
Pre-existing condition exclusions
Any pre-existing condition and/or chronic disease is excluded from coverage, except for medical expenses resulting from an acute episode of a pre-existing condition/chronic disease, which is covered up to 500 EUR. A pre-existing condition is any illness, injury, accident or medical condition diagnosed by a physician, present before the trip and known to the insured, except conditions fully healed.
Coverage duration limit
Maximum 90 consecutive days abroad per trip. Exception: insured persons traveling abroad for conferences, seminars, summer schools, specializations, or lucrative activities who can present legal supporting documents and do not have a voluntary health insurance contract in the destination country may exceed 90 days.
Where to buy
Policy specifics
Baggage coverage
Optional coverage for baggage and personal items contents, with specific exclusions for medical or special articles
Extreme sports rider
Optional dedicated rider for extreme and adventure sports including alpine skiing, snowboarding, mountaineering, recreational scuba diving, mountain biking, rafting, canyoning, bungee jumping, and tandem paragliding
Acute chronic condition coverage
Coverage for medical expenses incurred due to acute episodes of pre-existing chronic conditions
Territorial scope by destination
Coverage varies by destination zone: border countries (Ukraine, Hungary, Serbia, Bulgaria, Moldova) 1,000-4,000 EUR; European countries 2,500-20,000 EUR; USA, Canada, Israel and other countries 7,000-20,000 EUR
Emergency assistance center notification requirement
In case of hospitalization, the assistance company must be notified within maximum 48 hours; for emergencies, immediate contact with assistance center is required
Policy effective date conditions
Coverage begins at the crossing of Romania's border for outbound travel, or from the specified date in the policy (whichever is later); minimum 4-hour waiting period from policy issuance required
Premium non-refundable after policy inception
Once the travel medical insurance policy becomes effective, the premium cannot be refunded even if the policyholder requests cancellation