Generali Travel insurance (Travel Medical)
Underwritten by Generali Poisťovňa, pobočka poisťovne z iného členského štátu · Slovakia
travel insurance from Generali for the Slovakia market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2023-03-15Sources
Key facts
- Generali
Unique selling points
Overrides the standard non-life exclusion for terrorism, paying claims for damage caused by a terrorist act as long as the insured was not directly or indirectly involved.
Reinstates cover for communicable-disease treatment costs abroad as an exception to the general non-life exclusion, unlike many standard policies.
Provides a direct payment guarantee to foreign hospitals of up to EUR 15,000, so travellers do not need to pay treatment costs upfront.
24/7 assistance hotline available in Slovak or Czech via Europ Assistance for medical, legal and vehicle emergencies abroad.
An optional Autopremium roadside-assistance rider can be added to the same travel policy to cover vehicle breakdown, accident or theft.
Coverage limits
Medical expenses insurance
Covered
Covers necessary medical treatment, medicines, hospitalisation and transport arising from an accident, acute illness or death abroad; the IPID states a minimum guaranteed sum insured of EUR 300,000, with the actual limit agreed in the policy.
Section: Aké je výška poistného krytia?
Poistenie liečebných nákladov je kryté min. do 300 000 €
Emergency outpatient treatment
Covered
Necessary ambulatory medical treatment abroad is covered within the overall medical-expenses sum insured; the insurer or its representative arranges transport to the nearest medical facility.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > B Rozsah poistného krytia > Čo máte poistené?
Z poistenia liečebných nákladov máte vy ako poistený právo na úhradu nevyhnutných nákladov na neodkladné lekárske ošetrenie, lieky, hospitalizáciu, prevoz a ostatné defi nované náklady, ktoré vám vznikli v dôsledku úrazu, akútneho ochorenia alebo úmrtia v zahraničí.
Hospitalisation
Covered
Inpatient care abroad is covered within the overall medical-expenses sum insured for a maximum of 30 days from the start of the hospital stay; the insured must notify the insurer without delay if hospitalisation is required, otherwise benefits may be reduced.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > D Čo platí pri poistnom plnení > Aké nevyhnutné náklady zaplatíme?
e) liečebnú starostlivosť a pobyt v nemocnici, maximálne 30 dní od začiatku pobytu v nemocnici. ... Ak je nutný váš pobyt v nemocnici, musíte nás o tejto skutočnosti bezodkladne informovať, inak môže nastať krátenie pl nenia.
Outpatient treatment
Covered
Ambulatory treatment and medicines prescribed by a doctor abroad are covered within the overall medical-expenses sum insured.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > D Čo platí pri poistnom plnení > Aké nevyhnutné náklady zaplatíme?
21. Pri poistnej udalosti poskytneme poistné pl nenie za nevyhnutné náklady na: a) ambulantné lekárske ošetrenie, b) lekárom predpísané lieky v súvislosti s poistnou udalosťou,
Emergency dental treatment
Conditional
Only costs of acute dental treatment that is not the result of neglected dental care are covered; the insured must, if requested, provide proof of an annual preventive dental check-up. Conservative or prosthetic dental treatment is excluded.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > E Za aké škody vám neposkytneme poistené plnenie
i) konzervačné alebo protetické zubné ošetrenia, !!Uhradíme len náklady za akútne zubné ošetrenie, ktoré nie je dôsledkom zanedbanej starostlivosti,
Medical transport
Covered
The insurer or its representative organises transport/transfer of the insured to the nearest hospital or medical facility by an appropriate medical means of transport, within the overall medical-expenses sum insured.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > D Čo platí pri poistnom plnení > Aké nevyhnutné náklady zaplatíme?
f) nami alebo našim zástupcom organizovanú prepravu a/alebo preloženie poisteného do najbližšej nemocnice, respektíve zdra - votníckeho zariadenia primeraným zdra votníckym dopravným prostriedkom,
Medical evacuation / return transport
Covered
Where medically necessary and reasonable, the insurer organises the insured's return transport to Slovakia or to another neighbouring state where the trip began, within the overall medical-expenses sum insured.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > D Čo platí pri poistnom plnení > Aké nevyhnutné náklady zaplatíme?
g) nami alebo našim zástupcom organizovanú spätnú prepravu ... primeraným zdravotníckym dopravným prostriedkom na Slovensko alebo do iného susediaceho štátu, ak sa v ňom cesta začala,
Repatriation of mortal remains
Covered
In the event of death abroad, transport of the insured's mortal remains to Slovakia, or by agreement to another EU state, is covered within the overall medical-expenses sum insured, even if death occurred in a country where the insured had statutory health-insurance obligations outside Slovakia.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > D Čo platí pri poistnom plnení > Aké nevyhnutné náklady zaplatíme?
k) prevoz vašich telesných pozostatkov na územie Slovenskej republiky, resp. po do hode s nami do iného štátu Európskej únie. Toto zaplatíme aj v prípade, že smrť nastala v krajine, kde ste účastníkmi verejného alebo obdobného zdravotného pois tenia, mimo Slovenskej republiky!
Search and rescue
—
Optional cover (depending on the package chosen) for search-and-rescue costs abroad (mountains and water, within 3 nautical miles of the coast) and, separately, mountain rescue within Slovakia, each with an IPID minimum guaranteed sum insured of EUR 20,000. The Slovak mountain-rescue rider is sold in two tiers, 'Základ' (walking, alpine/cross-country skiing, snowboarding, sledding, bobsleigh) and 'Extrém' (additionally off-piste skiing, paragliding, cycling, climbing, via ferrata, caving, snow vehicles, ski touring).
Section: Aké je výška poistného krytia?
Poistenie pátrania a záchrany je kryté min. do 20 000 € Záchrana na horách na Slovensku je kryté min. do 20 000 €
COVID-19 / pandemic treatment
Excluded
The policy generally reinstates cover for communicable-disease treatment costs (an exception to the standard non-life exclusion), but explicitly keeps the exclusion for costs linked to a pandemic or epidemic, and separately excludes losses connected with an epidemic or pandemic under the medical-expenses terms.
Section: PRÍRUČKA K POISTENIU > Ktoré časti poistných podmienok nie sú pre vaše poistenie dôležité?
Druhou výlukou, od ktorej sa výrazne odchyľujeme, je krytie vašich liečebných nákladov spojených s prenosnými chorobami s výnimkou pandémie alebo epidémie.
Pre-existing conditions
Excluded
Accidents or illnesses that already existed, were known, or were or could have been evident at the start of the trip, or that could reasonably have been expected to occur, are excluded, as are chronic/other illnesses that in the preceding 12 months required hospitalisation, were progressive, required a change of treatment/medication, or where a doctor advised against travel.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > E Za aké škody vám neposkytneme poistené plnenie
úrazom alebo ochorením, ktoré existovalo, bolo alebo mohlo byť zistené alebo zjavné už pri nástupe na cestu, alebo sa muselo očakávať, že môže nastať pri plánovanom priebehu cesty, chronickým alebo iným ochorením, ak toto ochorenie v priebehu predchádzajúcich 12 mesiacov vyžadovalo hospitalizáciu, malo progresívny charakter, vyžadovalo zmeny v liečbe alebo užívaní liekov
Winter sports cover
Covered
Recreational (non-competitive) alpine and cross-country skiing, snowboarding and off-piste skiing (where legally permitted) are covered under the base medical-expenses insurance without any extra rider, per the Sports Table. Competitive/performance skiing or snowboarding cannot be insured at all, even with the optional 'Výkon športu' rider.
Section: TABUĽKA ŠPORTOV > Zoznam športov
Lyžovanie a snowboarding áno nie nie
Adventure / high-risk sports cover
Conditional
Coverage for adventure activities depends entirely on the Sports Table: many activities are covered recreationally by default, some require the optional 'Výkon športu' rider for competitive practice, and a number of high-risk activities (e.g. BASE jumping, paragliding, heliskiing, freeride, cave diving, alpinism above grade 5, ski jumping) are excluded outright and cannot be insured under any rider. Extreme sports involving danger far above the risk normally associated with travel are also excluded under the medical-expenses terms.
Section: TABUĽKA ŠPORTOV > Zoznam športov
Alpinizmus do 5. stupňa (6. stupeň nepoistený) áno nie nie ... Basejump nie nie nie
Pregnancy complications
Excluded
Childbirth, tests to confirm pregnancy, termination of pregnancy, infertility examination/treatment, artificial insemination and cytology are excluded from the medical-expenses cover.
Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > E Za aké škody vám neposkytneme poistené plnenie
pôrod, vyšetrenie (vrátane laboratórneho a ultrazvukového) na zistenie tehotenstva, interrupciu, vyšetrenie a liečbu neplodnosti a umelé oplodnenie, cytológiu,
Personal (civil) liability
—
Optional cover, available depending on the package chosen, for damage to health or property caused to a third party during ordinary civil life; the IPID states a minimum guaranteed sum insured of EUR 30,000. It excludes liability arising from ownership/operation of motor vehicles, aircraft or vessels subject to registration, and damage to close relatives or household members.
Section: Aké je výška poistného krytia?
Poistenie občianskej zodpovednosti za škodu je kryté min. do 30 000 €
Legal assistance
€5K
Available only within the optional 'Asistenčné služby PLUS' rider: covers costs of a translator/interpreter, legal representative, and travel/accommodation for a required court appearance, up to EUR 5,000. The same rider also provides a refundable bail/kaucia advance of up to EUR 10,000 to secure release from custody.
Section: Asistenčný list PLUS > 4. AKÉ ASISTENČNÉ SLUŽBY MÁTE POISTENÉ?
Kaucia ... 10 000 € (kaucia je vratná) 2 Právna pomoc ... 5 000 €
24/7 assistance service
Covered
A telephone assistance line operated via Europ Assistance, s.r.o., is available 24 hours a day, 7 days a week in Slovak or Czech to help insured persons in urgent situations abroad (accident, illness, death) and to coordinate medical, transport and legal support.
Section: Asistenčný list > 1. ČO SÚ ASISTENČNÉ SLUŽBY?
Asistenčná služba poskytuje pomoc poistenym osobám v naliehavých situáciách v zahraničí. ... 24 hodín denne, 7 dní v týždni
Key conditions
Assistance call deadline
For repeated outpatient visits, costs over EUR 300, hospitalisation, events outside Europe, or arranging transport home, the insured must notify the insurer/assistance service and obtain approval before the costs are incurred; this does not apply to unforeseeable emergency treatment needed to avert acute danger to life or health.
Unauthorized treatment
If the insured does not follow the insurer's instructions after a claim has arisen, the insurer will pay only the amount it would have paid had those instructions been followed.
Purchase while abroad
If the policy is concluded while the applicant is outside Slovakia, or this cannot be proven, and it is not a direct, uninterrupted renewal of a prior Generali travel policy, cover begins no earlier than the 6th day after the contract is concluded.
Chronic conditions
Chronic or other pre-existing illnesses are excluded if, in the preceding 12 months, they required hospitalisation, had a progressive course, needed a change of treatment or medication, or a doctor had advised against travelling.
Pregnancy
Childbirth, pregnancy tests, termination of pregnancy, infertility examination/treatment, artificial insemination and cytology are excluded from cover.
Pre-existing condition exclusions
Injuries or illnesses that already existed, were known, or could have been recognisable at the start of the trip, or that could reasonably have been expected to occur during the planned course of the trip, are not covered.
Coverage duration limit
Inpatient hospital treatment abroad is covered for a maximum of 30 days from the start of the hospital stay. For annually renewable policies, total benefits paid for all claims of one risk during the insurance period are capped at twice the agreed sum insured.
Direct payment
Where necessary, the insurer can provide a direct payment guarantee to a foreign hospital of up to EUR 15,000 (capped at the agreed sum insured) so the insured does not have to pay treatment costs upfront.
Territorial scope
Europe scope covers a defined list of European countries and excludes the Crimean region; World scope covers all countries except North Korea, the Crimean region, Iran, Syria and Venezuela. Coverage does not apply in the country where the insured has permanent/temporary residence or employment obligations, nor in countries under an official Slovak MFA/WHO travel warning, nor where international sanctions apply.
Documents
Travel Insurance Manual and General Terms and Conditions (incl. all supplementary conditions and Sports Table) (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions of Non-Life Insurance VPP NP 2021 (opens in a new tab)
Terms & conditions · PDF
Travel Insurance Product Information Document (Europe/World) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Medical expenses coverage
Coverage for unexpected medical treatment and healthcare costs abroad, with limits varying by package (L: 300,000 EUR, XL: 1,000,000 EUR)
SourceUnlimited trips annual coverage
Annual policy providing continuous 365-day coverage for unlimited number of trips, with each trip duration up to 90 days
SourceSection: Viac o celoročnom cestovnom poistení
Krytie platí na neobmedzený počet ciest, pričom každá jedna môže trvať až 90 dní .
Search and rescue coverage
Coverage for search and rescue operations abroad, typically with limit of 20,000 EUR
SourceCivil liability coverage
Coverage for liability for damage caused to third parties, typically 200,000 EUR limit
SourceBaggage coverage
Optional coverage for baggage and personal belongings with limit up to 4,000 EUR, available in XL package
SourceAccident coverage
Coverage for permanent consequences or death from accident, available in higher package tiers (10,000 EUR permanent consequences, 5,000 EUR death)
SourceTrip cancellation supplement
Optional supplementary coverage for trip cancellation or interruption costs, providing reimbursement for unused services
SourcePage 6Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE STORNOPOPLATKOV > B Rozsah poistného krytia > Čo máte poistené?
Predmetom Poistenia stornopoplatkov je náhrada vašej fi nančnej straty, ktorá vznikne tým, že musíte: a) zrušiť plánovanú cestu alebo b) sa musíte z cesty predčasne vrátiť.
Repatriation coverage
Coverage for medical repatriation in case of serious illness or death, including transportation to home country
SourceHospital direct-payment guarantee
Where necessary, the insurer provides a direct payment guarantee to a foreign hospital of up to EUR 15,000 (limited to the agreed sum insured).
SourcePage 9Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > D Čo platí pri poistnom plnení > Čo dôležité ešte potrebujete v súvislosti s poistným plnením vedieť?
Ak je to potrebné, v nemocnici v zahraničí poskytneme záruku na náklady až do 15 000,- EUR, maximálne však do výšky dojednanej poistnej sumy.
Legal assistance and bail advance (Asistenčné služby PLUS)
Optional 'Asistenčné služby PLUS' rider provides legal assistance (interpreter, lawyer, court-related travel) up to EUR 5,000 and a refundable bail/kaucia advance up to EUR 10,000.
SourcePage 2Section: Asistenčný list PLUS > 4. AKÉ ASISTENČNÉ SLUŽBY MÁTE POISTENÉ?
právna pomoc a zloženie kaucie na prepustenie z väzby 10 000 € (kaucia je vratná) ... 2 Právna pomoc ... 5 000 €
Sports coverage rules (Sports Table)
Recreational sports marked 'áno' in the Sports Table are covered automatically within medical-expenses insurance without surcharge; competitive/performance practice of a sport is only insurable if the table marks it 'možné poistiť' and the 'Výkon športu' rider is agreed; a number of high-risk sports are excluded outright and cannot be insured under any rider.
SourcePage 2Section: TABUĽKA ŠPORTOV > 1. AKÉ ŠPORTY SÚ POISTENÉ?
Rekreačný šport: Rekreačne vykonávané športy sú poistené, ak je pri danom športe uvedené rekreačný šport „áno“. ... Výkon športu: Športy vykonávané spôsobom súťaž, turnaj, vystúpenie, príprava na súťaž, sústredenie sú poistené, iba ak: 1. je pri danom športe uvedené výkon športu „možné poistiť“
Age limit for annual insurance
Annual travel insurance available only for persons not exceeding 70 years of age at policy inception
SourceSection: Doplňujúce informácie pre ročné cestovné postenie
Poistiteľné všetkými spomínanými balíkmi ročného cestovného poistenia sú iba osoby , ktoré ku dňu začiatku poistenia nedovŕšili 70 rokov .
Residence requirement
Insured person must have permanent residence in Slovakia; foreign nationals residing in SK covered unless insured in home country or has tax residency obligation there
SourcePage 1Section: Čo nie je predmetom poistenia?
V ročnom poistení nekryjeme v zahraničí osoby, ktoré nemajú trvalý pobyt na Slovensku.
Single trip duration limit
Each individual trip covered by annual policy may last maximum 90 days; longer stays require separate arrangement
SourcePage 1Section: Týkajú sa krytia nejaké obmedzenia?
V ročnom poistení sa poistenie iba na prvých 90 alebo 365 dní (podľa dojednania) každého pobytu v zahraničí.
Territorial scope options
Policy available for Europe (specific countries listed) or Worldwide coverage; excludes Slovakia territory
SourceSection: Máte otázku? Prezrite si najčastejšie kladené otázky
Slovensko (ak nie je uvedené, že ide o krytie v zahraničí)
Pre-existing conditions exclusion
Coverage excludes medical conditions or illnesses existing or known before policy inception, with limited exceptions for acute manifestations
SourcePage 9Section: DOPLŇUJÚCE PODMIENKY PRE POISTENIE LIEČEBNÝCH NÁKLADOV > E Za aké škody vám neposkytneme poistené plnenie
úrazom alebo ochorením, ktoré existovalo, bolo alebo mohlo byť zistené alebo zjavné už pri nástupe na cestu, alebo sa muselo očakávať, že môže nastať pri plánovanom priebehu cesty
High-risk sports exclusion
Group 2 risky sports and professional sports activities not covered unless separately endorsed; only recreational Group 1 sports covered by default
SourceTravel advisory restriction
Coverage denied for travel to countries under official travel warning by Slovak Ministry of Foreign Affairs or WHO; if insured travels despite warning, only costs outside affected area covered
SourcePage 5Section: PRÍRUČKA K POISTENIU > Aké môže byť obmedzenie poistnej ochrany
Ak napriek „vyhláseniu“ vycestujete, škody vzniknuté v tejto oblasti/krajine alebo v súvislosti so situáciou v danej oblasti vám nekryjeme. Kryjeme však prípadné škody, ktoré nastanú počas cesty mimo danej oblasti.
Automatic policy activation
Coverage automatically activates upon crossing Slovak border; no need to notify insurer of individual trips
SourceClaims notification requirement
Medical claims over 300 EUR, hospitalizations, and events outside Europe must be reported immediately and approval obtained before treatment
SourcePage 3Section: Informačný dokument o poistnom produkte > Aké mám povinnosti?
Čo najskôr písomne informovať poisťovňu o vzniku poistnej udalosti a vyžiadať si súhlas v prípade náročnejších a opakovaných lekárskych výkonoch, pri úhradách nad 300€, pri hospitalizácii, pri poistných udalostiach mimo Európy a pri nutnosti zabezpečenia prevozu na Slovensko.
Right of withdrawal for distance contracts
If the policy is concluded at a distance (e.g. online or by phone) for at least one month, the policyholder may withdraw within 14 days of conclusion.
SourcePage 3Section: Ako môžem zmluvu vypovedať?
Ak ste poistnú zmluvu uzavreli na diaľku (napr. cez internet, alebo telefón) na dobu minimálne jedného mesiaca, môžete od poistnej zmluvy odstúpiť do 14 dní od jej uzavretia.
Sources
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- generali.skhttps://www.generali.sk/wp-content/uploads/2024/03/VPP-NP-2021_01032024.pdf#page=40(opens in a new tab)
- netfinancie.skhttps://www.netfinancie.sk/generali/rocne-cestovne-poistenie/(opens in a new tab)