Generali Poisťovňa, branch of an insurance company from another member state
Generali
Generali is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
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.
Geographic scope
Selectable territorial scope: Europe or Worldwide, excluding Slovakia itself and sanctioned states
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.
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.
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.
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.
Outpatient treatment
Covered
Ambulatory treatment and medicines prescribed by a doctor abroad are covered within the overall medical-expenses sum insured.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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.
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.
Legal assistance
€5,000
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.
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.
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.
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
SourceSearch 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
SourceRepatriation 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).
SourceLegal 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.
SourceSports 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.
SourceAge limit for annual insurance
Annual travel insurance available only for persons not exceeding 70 years of age at policy inception
SourceResidence 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
SourceSingle trip duration limit
Each individual trip covered by annual policy may last maximum 90 days; longer stays require separate arrangement
SourceTerritorial scope options
Policy available for Europe (specific countries listed) or Worldwide coverage; excludes Slovakia territory
SourcePre-existing conditions exclusion
Coverage excludes medical conditions or illnesses existing or known before policy inception, with limited exceptions for acute manifestations
SourceHigh-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
SourceAutomatic 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
SourceRight 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.
SourceSources
- https://www.generali.sk/pre-obcanov/cestovne-poistenie/dovolenka/celorocne-cestovne-poistenie/
- https://www.generali.sk/wp-content/uploads/2021/12/Informacny-dokument-o-poistnom-produkte_Cestovne_poistenie.pdf
- https://www.generali.sk/wp-content/uploads/2023/08/Poistne-podmienky.pdf
- https://www.netfinancie.sk/generali/rocne-cestovne-poistenie/