Generali
Generali is a travel insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
Assistance company (Europ Assistance, s.r.o.) can arrange direct payment of medical costs at recommended healthcare facilities worldwide, so the insured does not need to use own cash or credit card; for hospitalisations exceeding 300 EUR or outside Europe, prior approval of the insurer or assistance company is required.
Geographic scope
Europe and World
Europe or World (excluding Slovak Republic and countries under MFA travel warnings or international sanctions); accident insurance and baggage also valid in SR
Unique selling points
- Medical expenses coverage of up to 200,000 EUR under OPP CP 19 (Komplet package), with the current product offering up to 1,000,000 EUR in the XL tier — one of the highest limits available on the Slovak market.
- 24/7 assistance services via Europ Assistance are included in the base price of every package, including direct payment of medical costs at facilities worldwide so the insured never pays out of pocket.
- Automatic 10% discount on the premium when the policy is concluded online, with instant issuance and coverage starting from the day of departure.
- Search and rescue costs (including Slovak Mountain Rescue Service) are included in Plus, Komfort and Komplet packages at 7,000 EUR, an inclusion that many travel insurers offer only as a paid add-on.
- Terrorist act coverage is included by special policy contract modification — the standard industry exclusion for terrorism is waived as long as the insured is not a participant, providing rare all-hazard protection.
Coverage limits
Medical treatment expenses
Covered
Coverage for necessary and urgent medical treatment costs incurred abroad due to accident, sudden illness or death of the insured, including outpatient treatment, prescribed medicines, hospitalisation, transport to a medical facility, repatriation of the insured, and repatriation of mortal remains. Maximum insured sum covers all benefit items under Part II, Art. 3, letters a) to l) of VPP CP 19. Benefits under letters a) to d) are only provided for costs incurred within 30 calendar days following the date of the insurable event.
Emergency medical treatment (outpatient and inpatient)
Covered
Covers necessary costs for emergency outpatient treatment and prescribed medicines in connection with a claimable event abroad. Falls within the overall medical expenses limit of 200,000 EUR. Claims for outpatient treatment and prescribed medicines are reimbursable only if incurred within 30 calendar days following the insurable event.
Hospitalisation
Covered
Covers hospitalisation and medical care during hospital stay abroad. The hospital must be generally recognised as a hospital with permanent medical management. The nearest available hospital must be used. If hospitalisation is expected to last more than 3 days, the insurer or assistance company must be notified as soon as possible. A daily hospital benefit of 17 EUR per day is payable for each day of hospitalisation exceeding 3 days, up to a maximum of 30 days from the start of hospital stay.
Outpatient treatment
Covered
Covers costs of necessary outpatient medical treatment abroad arising directly from the insurable event. Included within the overall 200,000 EUR medical expenses limit. Only costs incurred within 30 calendar days of the insurable event are covered.
Emergency dental treatment
Covered
Covers emergency dental treatment in the scope of first aid or due to accident, provided the reason for treatment is not neglected dental care or unfinished dental treatment in Slovakia. Maximum 150 EUR per insurable event, with a maximum of 300 EUR per insurance period.
Medical transport to nearest healthcare facility
Covered
Covers transport of the insured to the nearest healthcare facility by a method determined by a physician. Falls within the overall medical expenses limit of 200,000 EUR. Only costs incurred within 30 calendar days of the insurable event are covered.
Medical evacuation and repatriation
Covered
Covers repatriation of the insured to the Slovak Republic (or by agreement to another EU member state) when the insured cannot use their originally planned mode of transport for medical reasons. Organised by the assistance company (Europ Assistance) using appropriate medical transport including air ambulance. Falls within the overall 200,000 EUR medical expenses limit.
Repatriation of mortal remains
Covered
Covers costs of repatriation of the mortal remains and baggage of the insured to their place of residence in the Slovak Republic in the event of death abroad. Falls within the overall 200,000 EUR medical expenses limit. Does not cover repatriation of foreign nationals to a place of residence outside the Slovak Republic.
Search and rescue
Covered
Covers proven and necessary costs of rescue operations (záchranná činnosť) incurred when the insured's life or health is in immediate danger, carried out by the mountain rescue service (Horská záchranná služba) in mountain areas of Slovakia and by rescue services abroad. The territorial scope for the short-term product (krátkodobé) covers outside Slovakia; for the indefinite-term product (na dobu neurčitú) it also covers the Slovak Republic. Insured sum: 7,000 EUR per insurable event.
COVID-19 treatment
Excluded
Damage events arising in connection with COVID-19 illness including its mutations are explicitly excluded from medical expenses coverage under the OPP CP 19 product. The IPID document also explicitly states this exclusion.
Pre-existing conditions
Excluded
The insurer is not obliged to pay medical expenses if costs arose from: (a) medical care related to injury or illness that existed, was or could have been identified or was apparent before the start of the policy; (b) treatment or surgery of a chronic or other condition that required hospitalisation, had a progressive character or required changes in treatment or medication in the preceding 12 months; (c) recurrent illness in the preceding 12 months; (d) medical care that was the sole or primary purpose of the trip. First occurrence of mental illness or disorder is covered upon submission of a doctor's certificate confirming no prior diagnosis.
Winter sports coverage
Conditional
Recreational winter sports (downhill and cross-country skiing, snowboarding, sledging, bobsleigh) are covered under the base product (vacation type). Risk Group 1 sports including ski touring and skialpinism on designated trails, moguls, etc. are also covered recreationally. Professional sports, competition participation and training require the 'Sport' extension endorsement to be activated. Group 2 risk sports (e.g. heliskiing, off-piste freeride, skijumping, ski extremes) are not insured at all.
Adventure / risk sports coverage
Conditional
Group 1 risk sports (including canyoning, rafting, wakeboarding, horolezectvo up to 4,000m, sky tours on designated trails, horseback riding, paintball, etc.) are covered recreationally without additional endorsement. With the 'Sport' extension activated in the policy, Group 1 risk sports in competition/training context are also insured (for non-professional athletes). Group 2 risk sports (base jump, box, kick-box, heliskiing, kitesurfing, paragliding, motorised sports, off-trail skiing, etc.) are never insured.
Pregnancy complications
Excluded
Any complication after the 24th week of pregnancy including childbirth is explicitly excluded from medical expenses coverage. Investigations (including laboratory and ultrasound) to determine pregnancy, abortion, examination and treatment of infertility, and IVF are also excluded. For cancellation insurance, pregnancy discovered after reservation is a covered reason for cancellation, but complications known at the time of purchase are excluded.
Personal liability for damage
Covered
Covers the insured's legally mandated liability for bodily injury or property damage caused to third parties during travel abroad, arising from activities of everyday civilian life, tourist activities, bicycle ownership/use, and sporting activities. Insured sum: 50,000 EUR per insurable event (in the krátkodobé Komplet package under OPP CP 19). Excludes damage caused to close persons, damage caused during professional/manual work activities, damage from vehicles, aircraft or watercraft, and damage caused on rented/borrowed movable items.
Legal assistance (advance for lawyer/bail)
Covered
Covered under Premium Assistance Services (Asistenčné služby nadštandard) included in the Komfort and Komplet packages. Provides help securing legal representation (lawyer) and interpreter, and an advance payment for a lawyer or bail of up to 800 EUR in the form of an interest-free loan repayable within 30 days of receipt. Available when the insured is threatened with or taken into custody abroad.
24/7 assistance services
Covered
Continuous 24/7 emergency assistance services provided abroad through Europ Assistance, s.r.o. Included in all packages (Klasik, Plus, Komfort, Komplet). Services include: 24-hour helpline, medical advice and referrals, direct payment authorisation at recommended facilities, emergency medication provision, air ambulance and medical repatriation, organisation of return of co-insured persons, organisation of relative visit after 5+ days' hospitalisation, repatriation of mortal remains, and help recovering travel documents. Contact: +421 2 5857 2266 (international) / 0800 121 122 (SR). Communication in Slovak or Czech.
Key conditions
Assistance call deadline
In the event of an insurable event, the insured is obliged to immediately contact the insurer or assistance company by telephone and request approval for: complex or repeated outpatient procedures; payments exceeding 300 EUR; hospitalisation; insurable events on trips outside Europe; and arrangements for transport back to Slovakia. Exceptions are unforeseeable emergency outpatient treatments or medical aid required to avert an acute life- or health-threatening danger.
Unauthorized treatment
If the insured fails to follow the instructions of the insurer or its foreign representative (assistance company), the insurer has the right to reduce or refuse insurance benefit. Costs arising from non-compliance with the insured's obligations (e.g. obtaining treatment without prior approval where required) need not be reimbursed by the insurer. The insurer is not obliged to reimburse the difference between inflated and reasonable costs if the elevated costs resulted from a breach of obligations.
Purchase while abroad
If the insured was not located on the territory of the Slovak Republic at the time the policy was concluded (or is unable to prove this) and the new insurance does not directly follow the expiry of a previous policy with the insurer, the insurance cover commences at the earliest on the 6th day after the date of conclusion of the new insurance contract.
Chronic conditions
A chronic disease is defined as a condition that existed at the time of policy conclusion and, in the preceding 12 months, required hospitalisation, was worsening, or caused material changes in medication. The insurer is not obliged to pay costs arising from treatment of chronic or other conditions that in the preceding 12 months required hospitalisation, had a progressive character, required changes in treatment or medication, or were recurrent in nature.
Pregnancy
Medical expenses coverage explicitly excludes: investigations (including laboratory and ultrasound) for the determination of pregnancy; any complication in connection with pregnancy after the 24th week including childbirth; examination and treatment of infertility; IVF; and cytology. For travel cancellation insurance, pregnancy discovered only after reservation of the trip is a covered cancellation reason. If pregnancy was known at the time of reservation, cancellation is only covered in the event of severe medically certified complications.
pre_existing_conditions
The insurer is not obliged to pay costs of medical care related to an injury or illness that existed, was or could have been identified or was apparent before the commencement of the policy. This includes conditions that were the subject of ongoing treatment, hospitalisation, or medication changes in the 12 months preceding the trip. Medical care whose primary purpose was travel (medical tourism) is also excluded.
coverage_duration_limit
Short-term travel insurance covers a single trip of 1 to 365 consecutive days (366 days in a leap year). The indefinite-term (annual) policy covers the first 45 days of each trip abroad; trips exceeding 45 days can be extended with a short-term policy, but total coverage may not exceed 365 days of stay abroad. For truck/bus drivers, coverage applies to the first 90 days of each trip and cannot be extended.
Policy specifics
Baggage and documents insurance
Optional coverage for loss, theft, or damage to baggage and travel documents during the trip
Cancellation fees insurance
Optional coverage for financial loss from trip cancellation or early termination due to sudden serious illness, serious injury, or significant property damage
Accident (injury) insurance
Coverage for permanent consequences of accident or death resulting from accident during travel
Liability for damage insurance
Coverage for liability for damage to third parties' property or health caused by the insured person during travel
Assistance services (24/7)
24/7 emergency assistance services including medical advice, direct payment authorization, emergency medication provision, air ambulance, repatriation, and legal assistance during travel abroad
Rental damage insurance (co-insurance)
Optional coverage for financial loss from co-insurance on rental items (cars, equipment) due to accidental damage during travel outside Slovakia
Trip duration limits
Short-term travel insurance covers single trips lasting from 1 day to 365 days maximum
Travel warning coverage restriction
Coverage is limited if Slovak Ministry of Foreign Affairs or WHO issues travel warning not to travel, postpone, or leave area; damages occurring in such areas despite warning are not covered
Cost recovery period
Medical expenses and related costs are reimbursable only if incurred within 30 calendar days following the insurable event
Risk sports exclusion
Group 2 high-risk sports are not insured under standard short-term travel insurance
Terrorism coverage exception
Damages caused by terrorist acts are covered only if the insured person does not directly or indirectly participate in the act
Online purchase discount
Automatic 10% discount on short-term travel insurance premium when contracted online