Travel insurance — Slovenia

[1] Medical expenses: Covered ↩

Covers urgent medical examination and treatment, prescribed medicines and medical devices, and hospital treatment abroad. The insured sum is chosen by the policyholder and stated on the individual policy; the general terms do not fix a single amount.

zdravniški obisk v kraju, kjer zavarovanec zboli; […] zdravila in nadomestilo za medicinske potrebščine, ki jih predpiše zdravnik; […] klinično zdravljenje z uporabo znanstveno dokazanih metod v bolnišnici v kraju zavarovančevega bivanja ali v najbližji primerni bolnišnici;

[2] Medical transport: Covered ↩

Covers costs of urgent ambulance transport to the nearest doctor or hospital.

stroške nujnega prevoza z reševalnim vozilom do najbližjega zdravnika ali bolnišnice,

[3] COVID-19 treatment: See details ↩

Not found as a distinct benefit line in the reviewed sources.

[4] Personal liability: Optional ↩

General liability to third parties can be selected as an optional add-on alongside the main medical travel cover.

zavarovanje splošne odgovornosti do tretjih oseb,

[5] Emergency dental: 2% of insured sum ↩

Covers dental treatment strictly for relief of acute toothache, up to 2% of the medical expenses sum insured stated in the policy.

stomatološke storitve, izključno za odpravo akutnega zobobola, do 2 % zavarovalne vsote zdravstvenega zavarovanja na potovanju v tujini določene v zavarovalni polici;

[6] Search & rescue: €15,000 ↩

Rescue costs for the insured are covered up to a limit of EUR 15,000; rescue by helicopter or aircraft is reimbursed only for necessary and documented life-saving rescue costs in inaccessible locations.

Stroški reševanja zavarovanca so kriti do limita 15.000 EUR. Pri reševanju zavarovanca s helikopterjem ali letalom zavarovalnica povrne le nujne in izkazane stroške, nastale zaradi reševanja življenja zavarovanca na nedostopnih mestih ali za zagotovitev nujne in hitre medicinske pomoči.

[7] Legal assistance: See details ↩

Not found as a distinct benefit line in the reviewed sources.

[8] Emergency medical treatment: Covered ↩

Covers costs of urgent medical examination and treatment abroad, coordinated via the 24/7 SOS assistance center.

stroške nujnega zdravniškega pregleda in zdravljenja, […] Za hitro in učinkovito zdravstveno pomoč je v nujnih primerih treba poklicati SOS medicinski asistenčni center, ki je v slovenskem jeziku na voljo 24 ur na dan.

[9] Hospitalization: Covered ↩

Covers hospital treatment abroad performed according to scientifically recognized methods, including related operations.

bolnišnično zdravljenje po znanstveno priznanih metodah, […] stroške operacij,

[10] Outpatient treatment: Covered ↩

Covers urgent outpatient medical examination and treatment, plus doctor-prescribed medicines and medical devices.

zdravniški obisk v kraju, kjer zavarovanec zboli; […] zdravila in nadomestilo za medicinske potrebščine, ki jih predpiše zdravnik;

[11] Medical evacuation: Covered ↩

Covers transport to a specialized clinic when prescribed by a doctor, and transport of the insured back to their home country when medically necessary.

stroške prevoza v specializirano kliniko, če ga predpiše zdravnik, […] stroške prevoza zavarovanca v domovino (repatriacije),

[12] Repatriation of remains: 50% of insured sum ↩

In case of death, the insurer organizes and covers transport of remains to the deceased's home, or funeral costs at the place of death, up to 50% of the medical sum insured stated in the policy (including coffin costs).

zavarovalnica organizira in krije stroške prevoza posmrtnih ostankov od kraja smrti do doma pokojnika ali krije stroške pogreba v kraju smrti do limita 50 % zavarovalne vsote zdravstvenega zavarovanja na potovanju v tujini določene v polici; ta znesek vključuje stroške krste;

[13] Pre existing conditions: See details ↩

The T&Cs define 'pre-existing condition/illness' as an illness the insured was treated for, consulted a doctor about, or was/should have been aware of within 12 months before departure, including chronic diseases, but the reviewed excerpts do not state a specific coverage/exclusion rule for this category in the medical module.

predobstoječe stanje/bolezen: bolezen ali stanje, zaradi katerega se je zavarovanec zdravil, se posvetoval z zdravnikom ali se je bolezni ali stanja zavedal oziroma bi se moral zavedati v obdobju 12 mesecev pred odhodom v tujino, ter kronične bolezni;

[14] Winter sports cover: See details ↩

Not explicitly addressed as a separate benefit in the reviewed excerpts of the general terms.

[15] Adventure sports cover: See details ↩

Within the optional accident insurance module, damage is excluded when caused by amateur or professional sports, extreme sports, parachuting, unguided mountaineering above 4,000m, or whitewater expeditions.

zaradi ukvarjanja s športi na amaterski in profesionalni osnovi (tako tekmovanja kot treningi); […] zaradi ukvarjanja z ekstremnimi športi, skoki s padalom ali podobnim, ekstremnimi planinskimi turami brez pooblaščenega planinskega vodnika in tistimi nad 4.000 m nadmorske višine, odpravami in športnimi aktivnostmi v divjih vodah;

[16] Pregnancy complications: See details ↩

Not found as a distinct benefit line in the reviewed sources.

[17] Medical expenses: Covered ↩

Covers ambulatory and hospital treatment costs abroad due to unexpected acute illness or accident; ambulatory treatment and transport are covered in full (100%), while hospital treatment is covered up to EUR 200,000.

9. Ambulantna oskrba do 100 % 10.Bolnišnična oskrba do € 200.000,-

[18] Medical transport: Covered ↩

Covers transport to hospital and medically necessary transfer transport abroad.

2.1. prevoz v bolnišnico in medicinsko potreben transferni prevoz;

[19] COVID-19 treatment: Covered ↩

Unexpected acute epidemic or pandemic illness (including COVID-19) is explicitly included within the definition of an insured medical event; cover follows the same terms as other medical treatment, i.e. ambulatory treatment and transport at 100% and hospitalization up to EUR 200,000.

Škodni dogodek je nepričakovano akutna bolezen (vključno z epidemičnimi ali pandemičnimi boleznimi), nastanek nezgodne telesne poškodbe ali nastanek smrti zavarovane osebe na potovanju v tujini.

[20] Personal liability: €100,000 ↩

Covers the insured's legal liability for property damage and personal injury caused to third parties during private (non-business) activities while travelling, as a lump sum of up to EUR 100,000, of which property damage in rented rooms (including inventory) is capped at EUR 25,000.

17. Odškodnina za osebne in stvarne škode pavšalno do € 100.000,- od tega stvarna škoda v najetih sobah (vključno z inventarjem) do € 25.000,-

[21] Emergency dental: Covered ↩

Covers emergency pain-relief dental treatment abroad, including simple fillings; dental prosthetics/conservation treatment is excluded.

ambulantno zdravljenje, vključno z zdravniško predpisanimi zdravili in protibolečinsko zdravljenje zob (vključno z zalivkami v preprosti izvedbi);

[22] Search & rescue: €10,000 ↩

Covers proven search and rescue costs in mountains or at sea, up to EUR 10,000.

[23] Legal assistance: See details ↩

No standalone legal assistance cover was found; defence costs against liability claims are covered only as part of the personal liability section.

Zavarovanje krije sodne in izvensodne stroške ugotavljanja in obrambe pred odškodninsko odgovornostjo, ki jo zahteva tretja oseba, ki je v danih okoliščinah nujna, tudi če se naknadno izkaže, da je zahtevek neupravičen.

[24] Emergency medical treatment: Covered ↩

Covers necessary, proven costs for transport to hospital and ambulatory emergency treatment abroad; the benefits description states these services are covered in full (100%), with no separate monetary cap.

8. Transport v najbližjo bolnišnico (prevoz, premestitev) do 100 % 9. Ambulantna oskrba do 100 %

[25] Hospitalization: €200,000 ↩

Covers hospital treatment costs including physician-prescribed medication, up to EUR 200,000; if return travel is impossible, costs are covered until fit for transport.

10.Bolnišnična oskrba do € 200.000,-

[26] Outpatient treatment: Covered ↩

Covers ambulatory treatment including physician-prescribed medication and pain-relief dental treatment (including simple fillings); the benefits description states ambulatory care is covered in full (100%), with no separate monetary cap.

9. Ambulantna oskrba do 100 %

[27] Medical evacuation: Covered ↩

Covers transport home to the country of residence, including by air ambulance, when medically necessary or medically justified after at least three days of hospitalization.

2.4.1. medicinsko nujen (vključno z rešilnim letalom); ali 2.4.2. ni medicinsko nujen, je pa medicinsko opravičljiv in ga zavarovana oseba izrecno zahteva po najmanj treh dneh bivanja v bolnišnici (razen za reševalne lete);

[28] Repatriation of remains: Covered ↩

Covers repatriation of the deceased in standard form to the country of residence, or alternatively burial at the place of the event up to the equivalent repatriation cost.

repatriacija pokojnika v standardni normi v državo stalnega prebivališča, iz katere se je potovanje začelo, ali namesto tega pokop na kraju dogodka (do največ stroškov repatriacije v standardni normi);

[29] Pre existing conditions: Excluded ↩

Treatment and transport related to pre-existing illnesses or consequences of an accident that existed before the trip are excluded.

zdravljenje in prevoz v zvezi z obstoječimi boleznimi ali posledicami nezgode.

[30] Winter sports cover: See details ↩

Not explicitly addressed as a separate winter sports cover in the reviewed sources; general accident/illness cover applies subject to standard exclusions (e.g. professional/competitive sport).

[31] Adventure sports cover: Conditional ↩

Non-professional sport is generally covered under personal liability, but professional sports activities, motorsport events, and diving beyond 40m or without an appropriate license are excluded.

Nastanejo pri potapljanju, če zavarovana oseba nima mednarodno veljavnega dovoljenja za zadevno globino, razen pri udeležbi na tečaju za potapljanje, ki ga vodi učitelj potapljanja z licenco. Zavarovanje nikakor ne velja pri potapljanju v globino več kot 40 m.

[32] Pregnancy complications: Conditional ↩

Unexpected serious pregnancy complications and unexpected premature births are covered up to and including week 35 of pregnancy; complications after week 35 are excluded.

Nepričakovani zapleti v nosečnosti in nepričakovani prezgodnji porodi so zavarovani do vključno 35. tedna nosečnosti.

[33] Medical expenses: €30,000 – €1,000,000 ↩

Single shared aggregate sum insured per insured person for all TUJINA Osnovno benefits combined (medical care, treatment, medicines, transport, repatriation, search & rescue sub-limit excluded). Ranges from EUR 30,000 (Kombinacija A / Balkan F) up to EUR 1,000,000 (Kombinacija E) depending on the combination chosen; the Balkan-only option (F) is fixed at EUR 30,000.

[34] Medical transport: €30,000 – €1,000,000 ↩

Covers transport costs to the nearest hospital or clinic and back to the place of accommodation abroad. Shares the single TUJINA Osnovno aggregate sum insured (EUR 30,000-1,000,000 depending on combination); excludes transport costs covered under the separate Search & Rescue benefit.

[35] COVID-19 treatment: €30,000 – €1,000,000 ↩

Generali announced on 7 June 2021 that illness caused by COVID-19 or SARS-CoV-2 infection would be covered the same as any other illness, up to the policy's TUJINA Osnovno sum insured, at no additional premium, for all existing and newly issued policies, including extended accommodation during mandatory self-isolation/quarantine and the cost of returning home if the originally planned return is missed due to isolation. However, the General Terms and Conditions in force from 15 June 2024 list 'epidemics and pandemics' among perils never covered, so whether a COVID-19 claim is paid depends on the insurer's current practice rather than being guaranteed by the terms themselves.

Radioaktivna sevanja, epidemije in pandemije.

[36] Personal liability: €20,000 – €100,000 ↩

Optional add-on group covering the insured's liability for sudden and unexpected bodily injury or property damage caused to third parties while travelling abroad. Sum insured ranges from EUR 20,000 (Balkan combination F) to EUR 100,000 (combinations C, D, E) depending on the combination chosen; a deductible of 10% of the claim (minimum EUR 50) applies unless otherwise stated on the policy.

[37] Emergency dental: €100 – €400 ↩

Covers emergency dental treatment needed to relieve acute pain caused by illness or a fresh injury to natural teeth, including extraction. Capped at EUR 100-400 depending on the combination chosen; this cap limits all benefits paid for such a claim, within the TUJINA Osnovno sum insured.

Ne glede na navedeno sta kritje Zdravljenje v primeru akutnega poslabšanja kroničnih bolezni in kritje Nujne zobozdravstvene storitve dodatno omejena do zneska iz Preglednice. Navedena omejitev se v teh primerih nanaša na vsa kritja po teh pogojih, zato lahko zavarovalnina v teh primerih skupaj znaša le do zneska dodatnih omejitev iz Preglednice.

[38] Search & rescue: €5,000 – €20,000 ↩

Covers search costs following distress, sudden illness, injury or death (where an official search operation is launched) and rescue costs after being located, including transport from the accident site to the nearest medical facility. Separate sub-limit of EUR 5,000-20,000 depending on the combination chosen.

[39] Legal assistance: Optional ↩

Part of the optional TUJINA Potovanje add-on group: the Assistance Centre organises legal aid by providing names and addresses of lawyers/law firms if the insured is prosecuted for criminal or civil liability under the law of the travel destination. Only the cost of this organisation service is covered; the costs of the legal defence itself are not covered.

[40] Emergency medical treatment: €30,000 – €1,000,000 ↩

Covers costs of emergency medical care and doctor visits resulting from an accident or sudden illness abroad. Shares the single TUJINA Osnovno aggregate sum insured (EUR 30,000-1,000,000 depending on combination) with all other TUJINA Osnovno benefits.

[41] Hospitalization: €30,000 – €1,000,000 ↩

Hospital treatment necessary due to accident or sudden illness abroad is covered as part of the 'Zdravljenje' benefit, until the insured is fit to be transported home. Shares the single TUJINA Osnovno aggregate sum insured (EUR 30,000-1,000,000 depending on combination).

[42] Outpatient treatment: €30,000 – €1,000,000 ↩

Outpatient doctor visits and treatment required due to accident or sudden illness abroad. Shares the single TUJINA Osnovno aggregate sum insured (EUR 30,000-1,000,000 depending on combination).

[43] Medical evacuation: €30,000 – €1,000,000 ↩

Covers transport home when the insured falls ill or is injured, provided the health condition allows transport. Requires prior approval from the Assistance Centre and that a normal return is not possible for health reasons. Shares the single TUJINA Osnovno aggregate sum insured (EUR 30,000-1,000,000 depending on combination).

[44] Repatriation of remains: €30,000 – €1,000,000 ↩

Covers transport of the insured's mortal remains from abroad to the home country. Shares the single TUJINA Osnovno aggregate sum insured (EUR 30,000-1,000,000 depending on combination).

[45] Pre existing conditions: Excluded ↩

Worsening of pre-existing illnesses or injuries for which the insured had already been treated, or which appeared and were not fully resolved before the policy started / before departure abroad, is excluded, together with all related treatment. This exclusion explicitly does not apply to chronic diseases, chronic conditions and recurring illnesses, whose acute exacerbation is covered but capped at a separate combined sub-limit of EUR 1,000-4,000 (see chronic-disease constraint).

[46] Winter sports cover: Conditional ↩

Ordinary recreational skiing and snowboarding on marked/open pistes is covered as a normal recreational activity. Off-piste skiing/snowboarding, ski touring, heli-skiing, ski jumping and acrobatic skiing are excluded unless the activity is specifically agreed and an extra premium/endorsement is added to the policy.

[47] Adventure sports cover: Optional ↩

Extreme and adventure activities (e.g. diving beyond snorkelling/instructor-led dives, kitesurfing, canyoning, white-water rafting, bungee jumping, base jumping, downhill mountain biking, free climbing, mountaineering/trekking above 3,000m, and similar) are excluded by default and covered only if specifically agreed and noted on the policy, generally against an extra premium. Motor racing, air sports, alpinism and potholing/cave diving are always excluded.

priprave ali udeležbe: - na avto-moto tekmovanjih, vožnjah po dirkališčih in pripadajočih treningih ter zaradi rekreativne udeležbe; - v športnem letalstvu, padalstvu, akrobatskem letenju, pri letenju z zmaji, z jadralnimi letali; - v alpinizmu; - v jamarstvu, jamskem potapljanju, raziskovanju jam;

[48] Pregnancy complications: Conditional ↩

Pregnancy, routine antenatal check-ups, typical pregnancy discomforts, and childbirth after the 37th week of pregnancy are excluded, except where treatment is necessary to save the life of the mother or child.

[49] Medical expenses: €30,000 – €250,000 ↩

Overall sum insured per package for medical treatment and assistance abroad: OSNOVNI 30,000 EUR, STANDARD 60,000 EUR, POLNI 250,000 EUR, BALKAN 30,000 EUR.

[50] Medical transport: €30,000 – €250,000 ↩

Covers one medically necessary transport to the nearest hospital abroad and back to accommodation, within the overall package sum insured. Transport by air ambulance (Ambulance Jet) is not covered.

V okviru zavarovalne vsote so zavarovani stroški enkratnega medicinsko potrebnega prevoza zavarovanca na ambulantno ali stacionarno zdravljenje v najbližjo bolnišnico in nazaj do mesta nastanitve v tujini, če tak prevoz ni krit že v okviru javnega sistema zdravstva.

[51] COVID-19 treatment: Covered ↩

Cover for epidemic/pandemic illness (incl. Covid-19) is provided within medical treatment, trip cancellation and trip interruption cover. Additional quarantine accommodation costs are covered up to 7 nights, max 100 EUR/night (individual) or 250 EUR/night (family policy).

Kritje je omejeno na največ sedem (7) nočitev, cena dnevne nastanitve pa s 100 €/nočitev (individualno zavarovanje) oz. 250 €/nočitev (družinsko zavarovanje).

[52] Personal liability: €25,000 – €150,000 ↩

Covers the insured's civil liability for personal injury or property damage caused to third parties during private, everyday activities while travelling, up to 25,000/50,000/150,000/25,000 EUR (OSNOVNI/STANDARD/POLNI/BALKAN). Liability arising from professional activity, aircraft, and motor vehicles is excluded.

[53] Emergency dental: €100 – €300 ↩

Covers only urgent dental treatment needed to relieve acute pain, up to 100/200/300/100 EUR (OSNOVNI/STANDARD/POLNI/BALKAN). Dentures and fillings are excluded. Insured pays first and is reimbursed against original invoices.

V okviru zavarovalne vsote so v primeru bolezni ali poškodbe zobovja v tujini zavarovani izključno stroški nujnega zdravljenja, potrebnega za odpravo akutne bolečine. Stroški kakršnih koli zobnih protez ali zalivk so iz zavarovanja izključeni.

[54] Search & rescue: €5,000 – €15,000 ↩

Covers search costs when an official search action is started, and rescue/transport costs from the accident site to the nearest medical facility, up to 5,000/10,000/15,000/5,000 EUR (OSNOVNI/STANDARD/POLNI/BALKAN).

[55] Legal assistance: Covered ↩

If the insured is arrested or threatened with arrest abroad, the 24/7 assistance centre helps find a lawyer and an interpreter and assists with arranging bail; the actual costs of legal defence or interpretation and the bail amount itself are not covered.

Če je zavarovanec na potovanju aretiran oziroma mu grozi aretacija, nudi asistenčni center zavarovalnice pomoč pri iskanju odvetnika in prevajalca ter pomoč pri zbiranju morebitne varščine. Stroški za samo pravno obrambo oz. prevajanje niso predmet zavarovanja.

[56] Emergency medical treatment: €30,000 – €250,000 ↩

Covers costs of urgent outpatient treatment, necessary medicines and medical aids prescribed by a doctor, within the overall package sum insured (30,000-250,000 EUR depending on tier).

V okviru zavarovalne vsote so zavarovani izključno stroški nujnega zdravljenja v ambulantni ustanovi, nakupa nujnih zdravil in nujnih zdravniških pripomočkov, izdanih na zdravniški recept ali predpisanih na zdravniškem izvidu.

[57] Hospitalization: €30,000 – €250,000 ↩

Covers costs of necessary emergency hospital treatment, operations and related urgent services until the insured is fit to be transported home, within the overall package sum insured.

V okviru zavarovalne vsote so zavarovani izključno stroški nujnega zdravljenja v bolnišnici, nujnih operativnih posegov in drugih nujnih storitev, ki so v povezavi z nujnim zdravljenjem.

[58] Outpatient treatment: €30,000 – €250,000 ↩

Outpatient treatment costs abroad are covered within the overall package sum insured (same envelope as medical expenses).

V okviru zavarovalne vsote so zavarovani izključno stroški nujnega zdravljenja v ambulantni ustanovi, nakupa nujnih zdravil in nujnih zdravniških pripomočkov, izdanih na zdravniški recept ali predpisanih na zdravniškem izvidu.

[59] Medical evacuation: €30,000 – €250,000 ↩

Covers transport home when local medical care is insufficient, ordered by the assistance doctor, within the overall package sum insured; economy-class air travel costs are covered. Transport by air ambulance (Ambulance Jet) is explicitly excluded.

Zavarovanje krije stroške prevoza zavarovanca v domovino, ki ga odredi asistenčni zdravnik, če v obiskanem kraju ali v bližnji okolici ni mogoče nuditi zadostne medicinske oskrbe in to lahko vpliva na poslabšanje zavarovančevega zdravja.

[60] Repatriation of remains: €30,000 – €250,000 ↩

Covers return of mortal remains, costs of formalities abroad, a basic coffin for international transport, or organization of a funeral at the place of death, within the overall package sum insured.

V primeru smrti zavarovanca v tujini nudi zavarovalnica storitev pomoči in krije stroške vrnitve posmrtnih ostankov, stroške posmrtnih postopkov v tujini, osnovno zahtevano krsto za mednarodni prevoz in za prevoz zavarovančevega trupla ali pepela na kraj zavarovančevega pogreba v Sloveniji.

[61] Pre existing conditions: €1,000 – €4,000 ↩

Sudden, unpredictable acute worsening of a pre-existing chronic condition occurring after the start of the trip is covered up to 1,000/2,000/4,000/1,000 EUR (OSNOVNI/STANDARD/POLNI/BALKAN). However, treatment for heart disease, stroke, cancer, diabetes (type 1+2), migraine, epilepsy or multiple sclerosis is excluded if the insured received in-patient and/or out-patient treatment for it in the 12 months before taking out the policy.

z naslednjimi boleznimi in obstoječimi obolenji ... srčna obolenja, kap, rak, diabetes (tip 1+2), migrena, epilepsija, multipla skleroza.

[62] Winter sports cover: Covered ↩

Ordinary skiing/snowboarding on marked, groomed slopes is covered under standard medical cover. Off-piste skiing/snowboarding, ski touring, heli-skiing, ski jumping/acrobatic skiing and freeride downhill cycling are explicitly excluded, even at a recreational level.

smučanje in deskanje na snegu zunaj urejenih smučišč, turno smučanje ali heliski (heli smučanje, heli skoki),

[63] Adventure sports cover: Excluded ↩

Excluded even at recreational/amateur level: diving, spearfishing and freediving, kitesurfing/kiteboarding, free climbing, bungee jumping, base jumping, white-water sports (kayak, canyoning, rafting), river bob, alpinism above 3,000 m, caving and cave diving.

Zavarovalno kritje prav tako ne velja za dogodke, do katerih pride pri izvajanju naslednjih športov na amaterski ali rekreativni ravni: potapljanje, podvodni ribolov in potapljanje na dah, kajtanje (kitesurfing, kiteboarding),

[64] Pregnancy complications: Excluded ↩

Medical care due to pregnancy, childbirth after the 36th week (except to save the life of the mother or child), planned termination of pregnancy, or treatment of the consequences of contraceptive measures is excluded.

zdravniško oskrbo zaradi nosečnosti, porod po 36. tednu (razen ob reševanju življenja matere ali otroka), načrtovane prekinitve nosečnosti ali zdravljenja posledic kontracepcijskih ukrepov;

[65] Medical expenses: €62,500 – €1,250,000 ↩

Covers doctor visits, outpatient and inpatient treatment (including COVID-19), prescribed medication, crutches/walking aids, and emergency dental treatment (max 2 teeth, EUR 250/tooth). Sum insured by package: Osnovni EUR 62,500; Komfort EUR 250,000; Premium EUR 1,250,000. For insured persons aged 70-80 (if agreed, individual policies only, not available in Premium): Osnovni EUR 12,500; Komfort EUR 37,500.

[66] Medical transport: €12,500 – €625,000 ↩

Covers ambulance/taxi transport to a doctor or hospital and mountain, water or air rescue costs. Sum insured by package: Osnovni EUR 12,500; Komfort EUR 125,000; Premium EUR 625,000. The cost of organizing the insured's return home (repatriation) is included within this same sum insured.

[67] COVID-19 treatment: €62,500 – €1,250,000 ↩

Outpatient and inpatient treatment of COVID-19 abroad is explicitly covered on the same basis as other acute illness, within the overall emergency medical expense sum insured of the selected package (Osnovni EUR 62,500 / Komfort EUR 250,000 / Premium EUR 1,250,000).

[68] Personal liability: €10,000 – €60,000 ↩

Covers the insured's liability towards third parties for bodily injury or death (including ski-slope accidents) abroad: Osnovni EUR 10,000; Komfort EUR 30,000; Premium EUR 60,000. A separate, lower sub-limit for property damage caused to the accommodation where the insured stays as a guest is available only in the Komfort (EUR 500) and Premium (EUR 1,000) packages; Osnovni does not include this property-damage sub-limit.

[69] Emergency dental: €250 ↩

Emergency dental treatment for pain relief only (no prosthetics), limited to EUR 250 per tooth and maximum 2 teeth, identical across all packages (Osnovni, Komfort, Premium).

[70] Search & rescue: €12,500 – €625,000 ↩

If the insured's location abroad is unknown due to an accident, the assistance centre organizes search and rescue with local authorities. Costs are covered up to the same sum insured that applies to emergency patient transport/rescue (Osnovni EUR 12,500; Komfort EUR 125,000; Premium EUR 625,000).

[71] Legal assistance: €3,500 – €7,500 ↩

Covers foreign attorney/expert fees for criminal defence or pursuing a liability claim after a road traffic or ski-slope accident abroad with bodily injury: Komfort EUR 3,500; Premium EUR 7,500. Not available in the Osnovni package. A separate bail advance (Komfort EUR 7,500; Premium EUR 15,000) may also be provided, but this is a repayable advance (to be returned within 60 days), not an indemnity payment.

[72] Emergency medical treatment: €62,500 – €1,250,000 ↩

Doctor consultation and outpatient treatment of acute illness abroad, covered within the overall emergency medical expense sum insured of the selected package (Osnovni EUR 62,500 / Komfort EUR 250,000 / Premium EUR 1,250,000).

[73] Hospitalization: €62,500 – €1,250,000 ↩

Inpatient hospital treatment and unavoidable surgery abroad are covered within the overall emergency medical expense sum insured of the selected package (Osnovni EUR 62,500 / Komfort EUR 250,000 / Premium EUR 1,250,000). A separate optional daily hospitalization cash allowance (EUR 50/day Komfort, EUR 75/day Premium, max 30 days) is payable if the insured waives reimbursement of actual hospital costs.

[74] Outpatient treatment: €62,500 – €1,250,000 ↩

Ambulatory/outpatient treatment of acute illness or accident abroad, covered within the overall emergency medical expense sum insured of the selected package (Osnovni EUR 62,500 / Komfort EUR 250,000 / Premium EUR 1,250,000).

[75] Medical evacuation: €12,500 – €625,000 ↩

If the insured's condition permits, the insurer arranges repatriation to a hospital in Slovenia or to the insured's home address, if necessary accompanied by medical staff. This is included within the same sum insured as emergency patient transport/rescue (Osnovni EUR 12,500; Komfort EUR 125,000; Premium EUR 625,000).

[76] Repatriation of remains: €12,500 – €625,000 ↩

In case of death of the insured abroad, the insurer arranges and covers transport of the mortal remains to the home country. Sum insured by package: Osnovni EUR 12,500; Komfort EUR 125,000; Premium EUR 625,000. Costs of services organized without the insurer's consent are not reimbursed.

[77] Pre existing conditions: €7,500 – €50,000 ↩

Only an acute, unexpected exacerbation of a chronic condition known before travel is covered, up to Osnovni EUR 7,500 / Komfort EUR 18,750 / Premium EUR 50,000, and only if the insured fully follows the treating physician's instructions. Routine management of pre-existing conditions and treatment of conditions already known before the trip is excluded, except where immediate treatment is required to prevent life-threatening or irreversible harm.

[78] Winter sports cover: Covered ↩

Recreational winter sports (skiing on marked pistes, ski touring, snowboarding, sledding, ice skating, snow rafting, snowmobiling) are covered without any surcharge, within the standard medical/accident sums insured. Heli-skiing is covered only as an extreme sport if separately agreed and an additional premium is paid; off-piste alpine skiing/mountaineering above 3,500 m and freestyle/ski jumping are excluded.

[79] Adventure sports cover: Optional ↩

Extreme recreational sports (canyoning, heli-skiing, hydrospeed, scuba diving with an internationally recognized licence to 40 m or under instructor supervision, downhill mountain biking, mountaineering/via ferrata up to 3,500 m or grade D, kitesurfing, ballooning, spearfishing, zip-lining) are covered only if agreed in advance and an additional premium is paid. Professional sports, motorsport, mountaineering above 3,500 m, via ferrata above grade D, caving, aviation, parachuting, hang-gliding, martial arts, ski/acrobatic jumps, ice climbing, bungee jumping, extreme whitewater/high diving, diving without an international licence, freediving, cave diving, extreme/off-track cycling and expeditions to unexplored areas are always excluded, even with a surcharge. Extreme or competitive sports cover cannot be purchased at all for persons aged 70 or over.

[80] Pregnancy complications: Conditional ↩

Hospital and outpatient treatment related to miscarriage or premature birth up to the 28th week of pregnancy is covered within the general medical expense sum insured; routine prenatal check-ups and childbirth/maternity care after the 28th week are excluded. Unforeseeable pregnancy complications confirmed after the policy start that make travel medically inadvisable also qualify for reimbursement under the trip-cancellation extension.

[81] Medical expenses: €25,000 – €100,000 ↩

Covers emergency medical care and doctor visits due to accident or illness abroad, including surgery and all necessary diagnostics, up to the full sum insured selected (25,000, 50,000 or 100,000 EUR).

Kriti so nujni stroški medicinske oskrbe in obisk zdravnika, ki so posledica nezgode ali bolezni zavarovanca v tujini. Zdravstvena oskrba vključuje tudi operacije in vso potrebno diagnostiko.

[82] Medical transport: €25,000 – €100,000 ↩

Covers transport of the insured to the nearest or most suitable hospital/clinic and back to the original location abroad, using any suitable means of transport including helicopter, up to the full sum insured.

Vključeni so stroški prevoza zavarovanca do najbližje oz. ustrezne bolnišnice ali klinike in nazaj do prvotne lokacije v tujini. Stroški prevoza se nanašajo na vse vrste primernega prevoznega sredstva, vključno s helikopterskim prevozom.

[83] COVID-19 treatment: €25,000 – €100,000 ↩

Infection with SARS-CoV-2 abroad is covered like any other new illness, up to the full sum insured, including the diagnostic test regardless of result. Additionally, quarantine/self-isolation accommodation is covered up to 170 EUR/night for a maximum of 7 nights, and rebooked transport costs are covered up to 1,000 EUR if return home is delayed due to infection.

Okužba s SARS-CoV-2 (Covid-19) v tujini se krije na enak način kot za druge nove bolezni, in sicer do polne zavarovalne vsote.

[84] Personal liability: €25,000 – €100,000 ↩

Included only in the Complete package (Popolni paket), not in the Basic package. Covers civil liability damage claims from third parties (including legal costs) for sudden, unexpected accidents caused by the insured resulting in bodily injury or property damage, up to the full sum insured; liability claims arising from winter-sports accidents are capped at 10,000 EUR. Key exclusions include claims from motor vehicles, aircraft or watercraft (except sailboards/rubber boats up to 3m), damage to rented/borrowed property, and liability from the insured's professional activity.

Zavarovanje krije škodo zaradi civilnopravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi relevantnimi stroški), ki jih tretje osebe uveljavljajo proti zavarovancu zaradi nenadnega in nepričakovanega škodnega dogodka (nesreče), za katerega odgovarja zavarovanec

[85] Emergency dental: €500 ↩

Covers urgent dental procedures needed to relieve sudden acute pain from disease or injury to the teeth, including extraction and simple denture repairs, up to a limit of 500 EUR.

Kriti so stroški nujnih zobozdravstvenih posegov, potrebnih za odpravo nenadne (akutne) bolečine zaradi bolezni ali poškodbe zobovja, vključno z ekstrakcijo zoba in enostavnimi popravili zobnih protez. Stroški so kriti do limita 500 EUR.

[86] Search & rescue: See details ↩

No dedicated mountain/sea search-and-rescue benefit is mentioned in the terms and conditions or IPID; only transport to hospital (which may include helicopter transport) is explicitly covered.

[87] Legal assistance: €25,000 – €100,000 ↩

There is no standalone legal-expenses benefit for the insured's own disputes. Legal costs (attorney's fees and other relevant expenses) are covered only as part of the Civil Liability benefit (Complete package only), i.e. costs of defending the insured against third-party liability claims, up to the full sum insured.

Zavarovanje krije škodo zaradi civilnopravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi relevantnimi stroški), ki jih tretje osebe uveljavljajo proti zavarovancu

[88] Emergency medical treatment: €25,000 – €100,000 ↩

Covers necessary treatment costs resulting from an accident (including animal bites/stings) or illness abroad, up to the day the insured is medically fit to be transported home, up to the full sum insured.

Kriti so nujni stroški zdravljenja, ki so posledica nezgode (vključno s piki in ugrizi živali) ali bolezni zavarovanca v tujini. Obsegajo zdravljenje do dne, ko zdravstveno stanje zavarovanca dovoljuje prevoz v domovino, kjer lahko z zdravljenem nadaljuje.

[89] Hospitalization: €25,000 – €100,000 ↩

There is no separate hospitalization sub-limit; hospital treatment (including operations and diagnostics) is covered within the general medical care/treatment benefit up to the full sum insured. Non-standard hospital accommodation (e.g. single room with TV) is excluded.

Kriti so nujni stroški medicinske oskrbe in obisk zdravnika, ki so posledica nezgode ali bolezni zavarovanca v tujini. Zdravstvena oskrba vključuje tudi operacije in vso potrebno diagnostiko.

[90] Outpatient treatment: €25,000 – €100,000 ↩

Doctor visits and outpatient/ambulatory treatment abroad are covered under the medical care benefit up to the full sum insured.

Kriti so nujni stroški medicinske oskrbe in obisk zdravnika, ki so posledica nezgode ali bolezni zavarovanca v tujini.

[91] Medical evacuation: €25,000 – €100,000 ↩

Covers transport of an injured or ill insured person back home when their health condition permits and they cannot return as originally planned for health reasons; the assistance doctor decides, in consultation with the treating physician, whether medical supervision is required during transport, up to the full sum insured.

Kriti so stroški prevoza zavarovanca v domovino, ki je poškodovan ali obolel, če mu to zdravstveno stanje dopušča in se iz zdravstvenih razlogov ne more vrniti v domovino na način, kot je to sprva nameraval.

[92] Repatriation of remains: €25,000 – €100,000 ↩

In the event of death abroad, covers the return of mortal remains, funeral procedures abroad, a basic coffin required for international transport, and transport of the body or ashes to the place of burial in Slovenia, up to the full sum insured.

V primeru smrti zavarovanca v tujini zavarovalnica nudi storitev pomoči in krije stroške vrnitve posmrtnih ostankov, stroške posmrtnih postopkov v tujini, osnovno zahtevano krsto za mednarodni prevoz in za prevoz zavarovančevega trupla ali pepela na kraj zavarovančevega pogreba v Sloveniji.

[93] Pre existing conditions: Excluded ↩

The IPID explicitly lists pre-existing diseases and injuries among what is not insured, and the T&Cs exclude worsening of pre-existing or recurring illnesses already treated before the policy start or departure. The sole carve-out is a sudden, unexpected acute exacerbation of a chronic disease, which is covered up to 3,000 EUR (see the chronic-illness-exacerbation constraint).

× predobstoječe bolezni in poškodbe

[94] Winter sports cover: €25,000 – €100,000 ↩

Medical/accident costs from winter sports practiced on marked, groomed ski slopes are covered under the general accident/medical benefit up to the full sum insured; skiing/snowboarding off-piste or heli-skiing is explicitly excluded. Civil liability claims specifically related to winter sports accidents are separately capped at 10,000 EUR.

Zahtevki civilne odgovornosti v zvezi z zimskimi športnimi nesrečami so omejeni na limit 10.000 EUR.

[95] Adventure sports cover: Excluded ↩

Excluded: motorsport competitions/track driving, sport aviation, parachuting, hang-gliding, alpinism, caving, kitesurfing (unless specifically agreed on the policy), free climbing, mountaineering/trekking above 3,000 m altitude, diving and spearfishing, off-piste skiing/snowboarding or heli-skiing, downhill mountain biking, other sports competitions/training, and generally any extreme sport or activity carrying materially above-average risk, or expeditions into unconquered/unexplored areas.

pri kajtanju (kitesurfing, kiteboarding), če to v polici ni posebej dogovorjeno; pri prostem plezanju; pri planinarjenju in trekingu nad tri tisoč metrov nadmorske višine; pri potapljanju in podvodnem ribolovu; pri smučanju in deskanju na snegu izven urejenih smučišč ali heliskiingu; pri spustu s kolesi (downhill);

[96] Pregnancy complications: €25,000 – €100,000 ↩

Routine pregnancy check-ups, typical pregnancy discomforts, and birth after the 37th week are excluded, as is prevention or termination of pregnancy. Coverage applies only where treatment is required to save the life of the mother or child, up to the full sum insured.

nosečnostjo, rednimi pregledi v času nosečnosti, tipičnimi težavami v času nosečnosti, porodom po 37. tednu nosečnosti, razen v primeru reševanja življenja matere oziroma otroka;

[97] Medical expenses: Covered ↩

Covers costs of necessary emergency medical and related services abroad in case of illness or injury; the exact insured sum is set on the individual policy, not stated in the general terms.

Zavarovanje za tujino krije stroške nujnih zdravstvenih in z njimi povezanih storitev v času potovanja v tujini, če zbolite ali se poškodujete.

[98] Medical transport: Covered ↩

Covers transport costs to the nearest hospital or clinic and back to the place of stay abroad, as part of emergency treatment.

Za potrebe nujnega zdravljenja so kriti tudi stroški prevoza do najbližje bolnišnice ali klinike in nazaj do mesta, kjer ste nastanjeni na potovanju v tujini.

[99] COVID-19 treatment: Excluded ↩

The insurer's obligations are generally excluded for events linked to epidemics/pandemics; however, hotel accommodation costs are covered separately if the insured is placed under ordered quarantine or isolation due to illness.

epidemije/pandemije, onesnaženja okolja ali naravnih nesreč;

[100] Personal liability: Optional ↩

Optional add-on package covering civil liability damages (including legal and other costs) claimed by third parties against the insured for accidental bodily injury or property damage caused abroad, up to the insured sum stated in the policy; cannot be purchased as a standalone product and can only be attached to certain selected packages.

bomo krili škodo zaradi civilno-pravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi stroški), ki jih tretje osebe uveljavljajo proti vam, do višine zavarovalne vsote, kot je navedena v zavarovalni pogodbi.

[101] Emergency dental: Covered ↩

Covers emergency dental treatment needed to relieve acute pain from disease or injury, including tooth extraction and simple denture repairs when eating is otherwise impossible.

stroške nujne zobozdravstvene medicinske pomoči, ki je potrebna za odpravo akutne bolečine zaradi bolezni ali poškodbe zobovja, vključno z ekstrakcijo zoba in enostavnimi popravili zobnih protez, če zavarovancu zaradi tega prehranjevanje ni omogočeno,

[102] Search & rescue: Covered ↩

Covers search costs if officially reported missing, and rescue costs (including transport from the accident site to the nearest medical centre/hospital) in case of illness or accident in hard-to-reach areas such as mountains, sea, lakes, caves or deserts.

Stroški iskanja in reševanja so stroški, ki nastanejo zaradi iskanja oziroma reševanja v primeru bolezni ali nezgode na potovanju v tujini na težje dostopnem območju, kot so zlasti gore, morja, jezera, jame, puščave in podobno

[103] Legal assistance: Covered ↩

Covers costs of legal assistance, telephone interpreter costs and bail/security deposit in connection with an illness or accident abroad requiring emergency medical assistance where criminal or civil liability proceedings are brought against the insured; compensation/damages themselves are not covered.

Odškodnina ni krita. Storitve pravne pomoči in prevajalca po telefonu niso del asistenčnih storitev.

[104] Emergency medical treatment: Covered ↩

Covers costs of emergency medical assistance, including prescribed medicines and medical devices, and treatment of acute exacerbation of chronic diseases, until the insured is fit to return home.

Zavarovanje krije stroške nujnega zdravljenja, ki je posledica nujne medicinske ali zobozdravstvene pomoči, do dne, ko vam zdravstveno stanje dovoljuje vrnitev v domovino, kjer boste nadaljevali zdravljenje.

[105] Hospitalization: Covered ↩

Emergency hospital treatment costs are covered as part of emergency medical assistance; hotel accommodation is also covered if ordered quarantine/isolation or hospitalization prevents the planned return home.

hotelske namestitve, če vam je bila odrejena karantena ali izolacija zaradi bolezni,

[106] Outpatient treatment: Conditional ↩

Covers non-urgent services needed for diagnostics, treatment, rehabilitation or monitoring during the trip, only if specifically agreed in the contract (the extended "nujne in potrebne zdravstvene storitve" clause).

Če je tako dogovorjeno, zavarovanje poleg nujnih zdravstvenih in z njimi povezanih storitev v tujini (opredeljeno v točki 10 teh pogojev) krije tudi zdravstvene storitve, ki so potrebne za diagnostiko, zdravljenje, rehabilitacijo ali spremljanje zdravstvenega stanja zavarovanca v času potovanja v tujini.

[107] Medical evacuation: Covered ↩

Covers organisation and costs of transport home if medical reasons prevent the originally planned return, including medical escort if the insured's condition requires it.

vašega prevoza do bivališča ali bolnišnice v domovini, vključno s spremstvom zdravstvene ekipe, če bi to zahtevalo vaše zdravstveno stanje;

[108] Repatriation of remains: Covered ↩

In the event of death while travelling, covers the costs of transporting the mortal remains back to the home country.

V primeru smrti na potovanju so kriti stroški prevoza posmrtnih ostankov v domovino.

[109] Pre existing conditions: Excluded ↩

The insurer's obligations are excluded for illnesses, health conditions and injuries that existed before departure abroad, or that appeared before departure and were not fully resolved by the departure date.

bolezni, zdravstvenih stanj in poškodb, ki so obstajale pred odhodom v tujino, ali so se pojavile pred odhodom v tujino in do odhoda niso bile v celoti odpravljene;

[110] Winter sports cover: Optional ↩

Cover also applies if the insured event results from an accident or illness suffered while performing high-risk activities or extreme sports (professional or recreational), but only if agreed in the contract and an appropriately higher premium has been paid; the list of sports requiring a surcharge is published on the insurer's website.

Zavarovalno kritje skladno s temi pogoji velja tudi, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni in ste za to plačali ustrezno višjo premijo.

[111] Adventure sports cover: Optional ↩

Extreme sports and high-risk activities are covered only against payment of an appropriate additional premium, as agreed in the contract; standard exclusions apply above 6,000 m altitude regardless.

Naše obveznosti so izključene, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni, razen če je to v zavarovalni pogodbi posebej dogovorjeno in je za to plačana ustrezna višja premija.

[112] Pregnancy complications: Conditional ↩

Under the base "nujne zdravstvene storitve" clause, pregnancy, routine pregnancy check-ups, complications and childbirth are excluded except to save the life of mother or child. Under the extended "nujne in potrebne zdravstvene storitve" clause, medically necessary pregnancy treatment and childbirth are covered, subject to a 6-month waiting period from policy start if the pregnancy did not exist at inception, or covered for acute complications/premature birth up to week 36 if the pregnancy already existed at inception.

nosečnosti, rednih pregledov v času nosečnosti, komplikacij v nosečnosti ter poroda, razen v primeru reševanja življenja matere oziroma otroka;

[113] Medical expenses: Covered ↩

Covers costs of necessary medical care, medicines, treatment aids, diagnostics, ambulance and hospital care abroad due to acute illness or accident during the trip.

[114] Medical transport: Covered ↩

Covers transport to and from hospital, clinic or medical facility abroad.

od tega za stroške prevoza do 6.100 do 18.900 do 24.500

[115] COVID-19 treatment: See details ↩

The T&C and IPID do not define a separate COVID-19 benefit; the insurer's website states a certificate of coronavirus-related cost coverage can be issued in English together with the policy, implying treatment falls under general acute-illness medical cover.

Če za potovanje v tujino potrebujete dokazilo o kritju stroškov v zvezi s sklenjenim zdravstvenim zavarovanjem na potovanjih v tujino, zavarovanjem zaradi kasnejše vrnitve s potovanja in zavarovanjem odgovornosti, vam v angleškem jeziku zagotavljamo: zavarovalno polico in potrdilo o vsebini zavarovalnega kritja.

[116] Personal liability: Covered ↩

Covers civil-law compensation claims by third parties against the insured for bodily injury or property damage caused by a sudden and unexpected event; excludes damage to spouse/dependents, fellow travellers, borrowed items, damage from land motor vehicles/aircraft/watercraft, real estate abroad, water pollution, and professional activity.

Zavarovanje krije škodo, ki jo tretje osebe v obliki civilno pravnih odškodninskih zahtevkov uveljavljajo proti zavarovancu zaradi nenadnega in presenetljivega dogodka (nesreče), za katerega odgovarja zavarovanec

[117] Emergency dental: Covered ↩

Covers urgent dental interventions needed to relieve acute pain caused by illness or tooth injury, including extraction and simple denture repairs; does not cover new teeth, crowns, fillings or permanent fillings.

nujni zobozdravstveni posegi do 190 do 250 do 360

[118] Search & rescue: Covered ↩

Covers costs of search and rescue of the insured if they suffered an accident or illness or were in distress in the mountains or at sea.

[119] Legal assistance: Excluded ↩

Legal assistance/legal protection is not part of this travel insurance product; Triglav offers it as a separate 'Odgovornost in pravna zaščita' product line.

[120] Emergency medical treatment: Covered ↩

Triglav assistance provides 24-hour help: medical information, contact with treating physician, organization and payment of treatment costs.

24-urna pomoč: v slovenskem jeziku, za vas in vaše družinske člane, v primeru nezgode ali bolezni, organizacija zdravljenja, kritje stroškov zdravljenja neposredno pri izvajalcu zdravstvenih storitev.

[121] Hospitalization: Covered ↩

Covers hospitalization costs until the insured's health condition allows transport to the country of residence for continued treatment.

[122] Outpatient treatment: Covered ↩

Covers treatment at an outpatient clinic with sufficient diagnostic and therapeutic capacity, using scientifically recognized and clinically tested methods.

[123] Medical evacuation: Covered ↩

Covers transport of the insured back to the home country if ordered by a doctor because adequate medical care is unavailable locally, including cost of a medically necessary escort.

Sodelavci v klicnem centru bodo organizirali zdravljenje, zavarovanje pa bo v okviru zavarovalne vsote pokrilo stroške zdravljena v bolnišnici ter stroške prevoza do bolnišnice ali v domovino.

[124] Repatriation of remains: Covered ↩

In case of death, covers the cost of transporting the insured's remains to the home location.

[125] Pre existing conditions: Conditional ↩

Chronic diseases and their consequences that existed and were known or expected at the start of the insurance, or illnesses treated in the last 3 months before the start, are excluded, except for unforeseen emergency care to remove acute life-threatening danger or acute pain.

kroničnih bolezni in posledic, ki so nastale in bile znane ali vsaj pričakovane že ob začetku zavarovanja, tudi če niso bile zdravljene, kakor tudi bolezni, zdravljenih v zadnjih 3 mesecih pred začetkom zavarovanja

[126] Winter sports cover: 67% of insured sum ↩

Acrobatic skiing, touring skiing, heli-skiing, ski jumping and ski flying are covered, but insurer's obligations are reduced by 33% (i.e. capped at 67% of the benefit) unless a higher premium was explicitly agreed for these activities. Ordinary recreational skiing is not subject to this reduction.

akrobatsko smučanje, turno smučanje, heli smučanje, smučarski skoki in smučarski poleti

[127] Adventure sports cover: 67% of insured sum ↩

High-risk and extreme sports (e.g. alpinism, extreme skiing, bungee jumping, base jumping, cave diving, motor sports, free climbing) are covered, but insurer's obligations are reduced by 33% (capped at 67%) unless a higher premium was explicitly agreed. Professional sports and expeditions to unconquered/unexplored areas are excluded from this cover entirely.

pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni, amaterski ali rekreativni ravni (alpinizem, ekstremni pohodi v visokogorje... bungee jumping, base jumping, jamsko potapljanje

[128] Pregnancy complications: Conditional ↩

Costs related to pregnancy, childbirth and their consequences after the 37th week of pregnancy are excluded, except for an acute, abnormal course of pregnancy where the insurer covers costs of medical measures needed to remove immediate danger to the life of the mother or child. Routine pregnancy monitoring and termination costs are not covered.

povezanih z nosečnostjo, porodom in njegovih posledic po 37. tednu nosečnostne starosti, razen pri akutnem, nenormalnem poteku nosečnosti in njegovih posledicah, ko zavarovalnica krije stroške zdravniških ukrepov za neposredno odpravljanje življenjske nevarnosti za mater ali otroka

[129] Medical expenses: €60,000 – €1,000,000 ↩

Covers necessary emergency medical care abroad including prescribed medicines and medical aids, and treatment costs until you are fit to return home. The maximum sum insured for emergency medical services ranges from EUR 60,000 under Package S up to EUR 1,000,000 under Package XXL, depending on the package chosen; under Package XXL the combined limit for emergency medical care, repatriation, search & rescue and hotel accommodation is EUR 1,000,000 per person per insured event

1. nujne zdravstvene storitve, od te: 60.000 120.000 250.000 1.000.000*

[130] Medical transport: Covered ↩

Covers transport costs to the nearest hospital or clinic and back to the place of stay abroad as part of emergency treatment

Za potrebe nujnega zdravljenja so kriti tudi stroški prevoza do najbližje bolnišnice ali klinike in nazaj do mesta, kjer ste nastanjeni na potovanju v tujini.

[131] COVID-19 treatment: See details ↩

No COVID-19-specific provision is stated; general exclusions list epidemics/pandemics among excluded causes, while separately hotel accommodation is covered if quarantine or isolation due to illness is ordered, so exact treatment of COVID-19 costs is not clarified

epidemije/pandemije, onesnaženja okolja ali naravnih nesreč

[132] Personal liability: Optional ↩

Optional add-on (DODATNO KRITJE ODGOVORNOST V TUJINI) covering civil liability claims from third parties for bodily injury or property damage caused abroad, including legal defense costs, up to the sum insured stated on the policy; the insured bears part of the cost themselves (co-payment) as specified on the policy

bomo krili škodo zaradi civilno-pravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi stroški), ki jih tretje osebe uveljavljajo proti vam, do višine zavarovalne vsote, kot je navedena v zavarovalni pogodbi.

[133] Emergency dental: Covered ↩

Covers emergency dental care needed to relieve acute pain from disease or fresh injury to teeth, including tooth extraction and simple denture repairs where eating would otherwise be impossible; crowns, bridges, implants and other prosthetics are excluded

stroške nujne zobozdravstvene medicinske pomoči, ki je potrebna za odpravo akutne bolečine zaradi bolezni ali poškodbe zobovja, vključno z ekstrakcijo zoba in enostavnimi popravili zobnih protez, če zavarovancu zaradi tega prehranjevanje ni omogočeno

[134] Search & rescue: Covered ↩

Covers search and rescue costs in case of illness or accident in a hard-to-reach area (mountains, sea, lakes, caves, deserts), covering both search while officially reported missing and rescue and transport once located; prior consent from the assistance center is required where possible

stroške reševanja, po tem, ko ste bili že locirani. Stroški reševanja obsegajo stroške samega reševanja in stroške vašega prevoza s kraja nesreče do najbližjega zdravstvenega centra ali bolnišnice v tujini.

[135] Legal assistance: Conditional ↩

Covers organization of legal assistance, telephone translator costs and bail deposit (repayable within 30 days), but only when triggered by an illness or accident abroad that required emergency medical assistance and led to criminal or civil liability proceedings against you; damages/compensation are not covered, and this is not part of the standard 24/7 assistance services

stroški pravne pomoči, v primeru bolezni ali nezgode na potovanju v tujini, zaradi katere ste potrebovali nujno medicinsko pomoč ... Odškodnina ni krita.

[136] Emergency medical treatment: Covered ↩

Core benefit covering emergency medical care that cannot be postponed without endangering life or health, including acute exacerbation of chronic disease

stroške nujnega zdravljenja akutnega poslabšanja kroničnih bolezni, kadar nastanejo nenadni, hudi simptomi in drugi znaki, ki so značilni za posamezno kronično bolezen

[137] Hospitalization: Covered ↩

Costs of hospital treatment abroad are covered as part of emergency medical costs until the insured can return home to continue treatment; if hospitalized and unable to return as planned, accommodation costs for the insured and an accompanying family member are also covered

Če ste hospitalizirani, krijemo stroške prevoza in hotelske namestitve, če se zaradi zdravstvenih razlogov ne morete vrniti v domovino, kot je bilo prvotno načrtovano

[138] Outpatient treatment: Conditional ↩

Under the basic 'nujne zdravstvene storitve' module only emergency outpatient care is covered; if the 'nujne in potrebne zdravstvene storitve' module is agreed, coverage extends to non-urgent diagnostics, treatment, rehabilitation (physiotherapy), standard optics, preventive check-ups and vaccinations as foreseen under Slovenia's public health scheme

predpisanih standardnih očesnih pripomočkov in korekcijskih leč, kot so predvidene v sistemu javnega zdravstvenega varstva v Sloveniji

[139] Medical evacuation: Covered ↩

Covers organization and cost of transport to your home or a hospital in your home country if this is not otherwise possible for health reasons, including a medical escort if required by your condition; prior consent from the insurer is required

Stroški prevoza so kriti, če se v domovino iz zdravstvenih razlogov ne morete vrniti na način, kot je bil prvotno načrtovan ... Obvezna je pridobitev našega soglasja pred nastankom stroškov.

[140] Repatriation of remains: Covered ↩

In case of death during the trip, transport costs of the mortal remains to the home country are covered

V primeru smrti na potovanju so kriti stroški prevoza posmrtnih ostankov v domovino.

[141] Pre existing conditions: Excluded ↩

Excluded are costs arising from diseases, health conditions and injuries that existed before departure abroad, or that appeared before departure and were not fully resolved by the time of departure; acute exacerbation of a chronic disease is however covered under emergency treatment

bolezni, zdravstvenih stanj in poškodb, ki so obstajale pred odhodom v tujino, ali so se pojavile pred odhodom v tujino in do odhoda niso bile v celoti odpravljene

[142] Winter sports cover: Optional ↩

Accidents or illness suffered while performing high-risk activities or extreme sports (including on a recreational level) are covered only if specially agreed in the contract and an appropriately higher premium has been paid; the list of sports requiring a surcharge is published on the insurer's website. Activities above 6,000 m altitude are always excluded

Naše obveznosti so izključene, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni, razen če je to v zavarovalni pogodbi posebej dogovorjeno in je za to plačana ustrezna višja premija.

[143] Adventure sports cover: Optional ↩

High-risk activities and extreme sports, professional or recreational, are covered only when specifically agreed and an additional premium is paid; a surcharge sports list is published online, and activities above 6,000 m altitude are excluded regardless

Zavarovalno kritje skladno s temi pogoji velja tudi, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni in ste za to plačali ustrezno višjo premijo.

[144] Pregnancy complications: Conditional ↩

Under the basic 'nujne zdravstvene storitve' module, pregnancy-related costs (checkups, complications, childbirth) are excluded except to save the life of the mother or child. Under the 'nujne in potrebne zdravstvene storitve' module, if pregnancy did not exist at policy inception, routine checkups, treatment and childbirth are covered after a 6-month waiting period from the start of the insurance; if pregnancy existed at inception, acute complications, miscarriage, medically indicated abortion and premature birth up to the end of week 36 are covered

nosečnosti, rednih pregledov v času nosečnosti, komplikacij v nosečnosti ter poroda, razen v primeru reševanja življenja matere oziroma otroka