SIGNAL IDUNA Travel insurance (Signal Travel)

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.

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.

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 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 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.

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.

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.

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 operations are not explicitly covered or listed as a covered benefit in the policy terms and conditions.

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.

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.

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.

Leisure/adventure sports (mountaineering up to 3,000 m, recreational scuba diving, mountain biking, rafting, etc.) are listed as 'sport de agrement' in the general terms and require an additional premium for amateur practice. Diving, climbing and similar activities are otherwise excluded under exclusion IV.1.l unless covered via this additional premium; no altitude/depth limits beyond the stated 3,000 m for mountaineering are specified in the T&C.

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 coverage is not included in the SIGNAL Travel policy. The policy covers only medical assistance and repatriation expenses.

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.