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| Feature / category | Generali May 21, 2026 Open details | Merkur May 21, 2026 Open details | Modra / Vzajemna May 21, 2026 Open details | Triglav May 21, 2026 Open details |
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| Overview | ||||
Insurer | GENERALI zavarovalnica d.d. | Merkur zavarovalnica d.d. | Vzajemna zdravstvena zavarovalnica d.v.z. | Zavarovalnica Triglav, d.d. |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | €8 | €6 | — | €14 |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | €30,000 – €1,000,000 | €25,000 – €100,000 | €25,000 – €1,000,000 | €30,100 – €118,300 |
Medical transport | Covered | €25,000 – €100,000 | €25,000 – €1,000,000 | Covered |
COVID-19 treatment | €30,000 – €1,000,000 | €25,000 – €100,000 | €25,000 – €1,000,000 | €30,100 – €118,300 |
Personal liability | Optional | Covers civil law damages claims (including legal and other relevant costs) made by third parties against the insured for sudden and unexpected damage events (accidents) causing bodily injury/illness/death or destruction/damage to property. Limit: full insured sum, except winter sports civil liability claims are capped at 10,000 EUR. Included only in the Popolni (Full) package. | Excluded | Covered |
Emergency dental | €100 – €400 | €500 | €200 – €1,000 | Covered |
Search & rescue | €5,000 – €20,000 | Covered | €5,000 – €50,000 | Covered |
Legal assistance | Optional | Legal costs and other relevant costs are covered as part of civil liability coverage (Article 24). The insurer takes over management of the claim and legal proceedings when civil liability coverage applies. Standalone legal assistance benefit is not separately specified. | €1,000 – €6,000 | Coverage for legal assistance costs abroad is available in Package C only (not included in Packages A or B). It covers costs of legal aid arising from incidents during travel abroad. Available as part of the comprehensive Package C offering. |
Emergency medical treatment | €30,000 – €1,000,000 | €25,000 – €100,000 | €25,000 – €1,000,000 | €30,100 – €118,300 |
Hospitalization | Covered | €25,000 – €100,000 | €25,000 – €1,000,000 | Covered |
Outpatient treatment | Covered | €25,000 – €100,000 | €25,000 – €1,000,000 | Covered |
Medical evacuation | Covered | €25,000 – €100,000 | €25,000 – €1,000,000 | Covered |
Repatriation of remains | Covered | €25,000 – €100,000 | €25,000 – €1,000,000 | Covered |
Pre existing conditions | Worsening of pre-existing conditions (illnesses already treated or not fully resolved before departure) is generally excluded. However, acute worsening of chronic diseases, chronic states, and recurring illnesses IS covered, but subject to a mandatory sub-limit: EUR 1,000 (Combinations A and F), EUR 2,000 (B), EUR 3,000 (C), EUR 4,000 (D and E). This sub-limit applies collectively to all coverages in that claim event. Standard pre-existing conditions (e.g. wound dressing, flu) remain excluded. | Pre-existing and recurrent illnesses for which the insured was already treated or which appeared and were not fully resolved before the start of insurance or departure abroad are excluded. Exception: sudden exacerbation of chronic diseases is covered up to 3,000 EUR (Article 8). | Excluded | Excluded |
Winter sports cover | Standard recreational winter sports on groomed slopes are covered under TUJINA Osnovno (medical expenses from accident or illness). Certain winter sports activities require an additional premium surcharge to be noted on the policy: off-piste skiing, ski touring, heliskiing, acrobatic skiing, ski jumping. Without the surcharge, these activities are excluded. Standard on-piste skiing accidents are covered within the general medical coverage. | Medical costs from winter sports accidents are covered under the general medical coverage up to the full insured sum. Civil liability claims arising from winter sports accidents are limited to 10,000 EUR. Skiing and snowboarding off-piste or heliskiing are excluded from coverage. Skiing on organized slopes is covered under the basic package. | Optional | Covered |
Adventure sports cover | General recreational sports for personal recreation are covered. Recreational sports for competition purposes and a specific list of high-risk sports (e.g. diving, kitesurfing, bungee jumping, base jumping, canyoning, off-piste skiing, whitewater kayaking, ultra marathon, downhill biking) are excluded unless a sport-specific surcharge is agreed and noted on the policy. Professional sports are always excluded (unless specially agreed). Alpinism, skydiving, motorized aviation, cave diving, and expeditions to unexplored areas are always excluded. | Recreational participation in kitesurfing/kiteboarding (unless specifically agreed on the policy), free climbing, hiking and trekking above 3,000 metres, diving and underwater fishing, off-piste skiing/snowboarding or heliskiing, downhill biking, and other sports competitions/trainings are excluded. Alpinism, cave exploration, sport aviation, paragliding, hang-gliding are also excluded. | Optional | Coverage for risky sports and activities is available but subject to a 50% premium surcharge. The insured must declare participation in risky sports at the time of purchase. Without the surcharge, injuries from risky sports activities may not be covered. |
Pregnancy complications | Pregnancy, routine prenatal check-ups, typical pregnancy-related conditions, and delivery after the 37th week of pregnancy are excluded. Coverage is provided only in the event of an emergency to save the life of the mother or the child. Costs arising after return to the home country are also excluded. | Regular check-ups during pregnancy, typical pregnancy complaints, and childbirth after 37 weeks of pregnancy are excluded. Coverage is provided only in cases of life-threatening situations for the mother or child. Pregnancy prevention and termination are also excluded. | Excluded | Pregnancy-related costs are not covered after the 37th week of gestation. Before the 37th week, acute and abnormal pregnancy complications posing a risk to life may be covered as emergency medical treatment. Routine pregnancy check-ups and normal childbirth are excluded. |
| Key conditions | ||||
Assistance call deadline | In the event of a TUJINA Osnovno insurance event, the Assistance Centre (+386 5 66 28 500) must be contacted as soon as possible. In case of hospitalization, calling the Assistance Centre is a mandatory prerequisite for coverage. If costs were paid personally (not for hospitalization), the claim must be reported within 3 days of return to Slovenia. Failure to follow Assistance Centre instructions is grounds for exclusion from coverage. | The insured must immediately call the assistance center (+386 1 300 55 00, available 24/7) before self-organizing any help when an insured event occurs. Notification is not required when costs do not exceed EUR 250 — in that case the insured pays themselves and claims reimbursement upon return. If the insured does not immediately notify the assistance center, the insurer may reject all claims not justified by objective medical or technical reasons. | In case of serious illness, injury, hospitalization or need for repatriation, the assistance centre must be notified immediately or as soon as reasonably possible (phone +386 1 47 18 777). For minor acute conditions, no notification is required and costs can be claimed retrospectively within 3 months of return. | The insured must contact the Triglav assistance centre (+386 2 222 28 64) as soon as possible in the event of illness or injury. Notification of the insurer about the insurance event must occur no later than three days after returning from the trip or when health permits. If the assistance centre cannot be reached due to circumstances, the insured may pay out of pocket and claim reimbursement after returning to Slovenia with original receipts and medical documentation. |
Purchase while abroad | The policy must be concluded before departure abroad. If the policy is concluded while the insured is already abroad, a 5-day waiting period (carency) applies before coverage begins — coverage starts after 5 days from the policy start date indicated on the policy. This applies to both short-term and annual policies. If renewing while abroad, the policy should be renewed at least 5 days before expiry to avoid the waiting period. | Insurance must be taken out before departure abroad. If the insured is already abroad at the time of taking out insurance, coverage for accidents begins after 1 day, and coverage for illness begins after 3 days from conclusion of the contract. | Insurance must generally be concluded before departure and while the insured is in Slovenia or their country of permanent residence. By agreement, insurance can also be concluded on the day of departure or, if already abroad, provided the insured event has not yet occurred. For policies concluded while abroad (other than on departure day), a 3-day waiting period applies before coverage commences. | Insurance cannot be purchased while already abroad. Coverage commences only after the insured crosses the Slovenian state border and only if the premium has been paid. Insurance must be concluded at the latest on the day before departure, as coverage begins at midnight of the day following purchase. |
Chronic conditions | Acute worsening of chronic diseases (e.g. heart disease, renal and gallstones, asthma, diabetes), chronic conditions, and recurring illnesses are covered. However, a mandatory additional sub-limit applies: EUR 1,000 (Combinations A and F), EUR 2,000 (B), EUR 3,000 (C), EUR 4,000 (D and E). This sub-limit applies collectively to all coverages under the policy for such a claim event, regardless of the selected overall insured sum. General worsening of pre-existing or recurring conditions that existed before departure (and were not fully resolved) is not covered. | Sudden exacerbation of chronic diseases is covered up to a limit of EUR 3,000 (Article 8). The exacerbation must be sudden, with severe and unexpected symptoms. Chronic diseases include diabetes, hypertension, asthma, cardiovascular diseases, lupus, and similar. Expected complications of chronic diseases are also covered under this clause. | Treatment of chronic diseases is excluded. However, acute exacerbations of chronic diseases are covered up to a separate sub-limit per person per policy (EUR 1,000 for Croatia package; EUR 2,000 for Package S; EUR 3,000 for Package M; EUR 6,000 for Package L; EUR 10,000 for Package XXL). | Chronic diseases known prior to the commencement of coverage are excluded. Only acute, life-threatening deteriorations of a known chronic condition that occur unexpectedly during the trip may qualify for emergency treatment coverage. Routine management or follow-up of chronic conditions is not covered. |
Pregnancy | Pregnancy, routine prenatal check-ups, typical pregnancy conditions, and delivery after the 37th week of pregnancy are excluded from coverage. An exception applies only in the case of emergency to save the life of the mother or the child. | Pregnancy, regular check-ups during pregnancy, typical pregnancy complaints, and childbirth after 37 weeks of pregnancy are excluded, except in cases of saving the life of the mother or child. Pregnancy prevention and termination are also excluded. | Costs related to pregnancy, routine prenatal check-ups, complications, and childbirth are excluded, except in cases of life-saving treatment for the mother or child. Planned termination of pregnancy, IVF, infertility treatment, and contraception are explicitly excluded. For foreigners' insurance in Slovenia (DP-TAS-IN-21), wider coverage including normal delivery is available after a 6-month waiting period. | Pregnancy-related costs are not covered after the 37th week of gestation. Before the 37th week, only acute abnormal complications of pregnancy that are life-threatening may be covered as emergency medical treatment. Normal childbirth, routine prenatal care, and elective procedures related to pregnancy are excluded. |
Unauthorized treatment | Services provided without the authorization and/or involvement or approval of the Assistance Centre are not covered. Rejection of recommended treatment or refusal of transport home as directed by the Assistance Centre leads to exclusion from coverage. All medical obligations under TUJINA Osnovno must be coordinated through the Assistance Centre. | Services provided by a provider that is not a contractual partner of the assistance company, or performed without the authorization and/or participation/approval of the assistance company, are not covered. The insurer may reject claims for services not authorized by the assistance company. | If the insured refuses recommended emergency treatment, repatriation or other services organised by the insurer, the insurer's obligations cease. For serious events requiring assistance centre involvement, costs incurred without prior consent may be reimbursed only up to the level the insurer would have approved. | If the insured seeks medical treatment without first contacting the assistance centre, and does so at a private facility not in the public healthcare network, the insurer may limit or deny reimbursement. Original receipts and full medical documentation must be submitted for any claim. The insurer may request documentation translated into Slovenian or English. |
Pre existing conditions | Worsening of pre-existing conditions (illnesses already treated, present but not fully resolved before conclusion of the insurance or before departure) is excluded, as are all medical measures related to any illness or condition that existed before the conclusion of the insurance. Exceptions: chronic diseases, chronic conditions, and recurring illnesses (only acute worsening covered, subject to sub-limit). Standard pre-existing conditions such as post-operative wound dressing, viral infections, flu, and fever are also excluded. | Worsening of pre-existing or recurring illnesses that the insured was already being treated for, or which appeared and were not fully resolved before the insurance start date or departure abroad, are excluded. The only exception is sudden exacerbation of chronic diseases, which is covered up to EUR 3,000 under Article 8. | Illnesses, health conditions, and injuries that existed before departure or appeared before departure and were not fully resolved by departure are excluded. Chronic diseases are also excluded except for acute exacerbations covered up to the contractually agreed sub-limit. | Pre-existing medical conditions known before coverage commencement are not covered. Coverage applies only to unforeseen acute illness or injury occurring during the trip. Conditions that were diagnosable or under treatment before the journey started fall outside the scope of coverage. |
Coverage duration limit | Single-trip policies can cover trips from 1 day up to 1 year. Annual multi-trip policies cover an unlimited number of trips throughout the policy year, but each individual stay abroad must not exceed 90 days. The policy must be concluded before departure. Coverage ends at the expiry of the day indicated as the policy end date. | For annual insurance, each stay abroad must not exceed 90 consecutive days. For short-term insurance there is no such limitation. Insurance can be taken out for a duration of 1 day to 12 months. Insurable persons must not be older than 75 years at the time of expiry of the insurance. | Single-trip insurance is available for a fixed duration. Annual Multitrip insurance covers unlimited trips within one insurance year; however, each individual trip is limited to the first 90 consecutive days. Coverage for children included in a family policy ends at the end of the insurance year in which they turn 26. For foreigners' insurance in Slovenia, the maximum duration is 1 year. | For annual multi-trip policies, each individual trip must not exceed 90 days. Coverage terminates when the insured returns to Slovenia or at the end of the policy period, whichever is earlier. If circumstances beyond the insured's control require extended stay abroad, coverage is automatically extended by a maximum of 5 days. For quarantine-related extended stays, an additional free extension of up to 14 days applies. |
| Proof and next steps | ||||
Direct payment policy | Claims from TUJINA Osnovno are paid directly to service providers. If the insured pays costs abroad personally, reimbursement is made within 14 days of receiving complete documentation upon return to Slovenia, upon submission of original invoices. | The insurer organizes and directly pays for emergency medical services through the assistance company when the insured contacts the 24/7 assistance center before self-organizing help. If the insured pays costs themselves (under EUR 250 or in exceptional circumstances), reimbursement is available upon return to Slovenia with original receipts and medical documentation. | For serious illness, injury, hospitalization or repatriation, the insurer organizes and directly pays costs after the insured notifies the 24/7 assistance centre (+386 1 47 18 777). For minor/acute conditions not requiring assistance-centre notification, the insured pays upfront and then claims reimbursement within 3 months of return. | When the 24/7 assistance centre (+386 2 222 28 64) is contacted, Triglav organises and directly pays for medical treatment and transport within the insured sum. If assistance cannot be used due to circumstances, the insured pays out of pocket and claims reimbursement after returning to Slovenia by submitting the policy, full medical documentation and original receipts. |
Last verified | May 21, 2026 | May 21, 2026 | May 21, 2026 | May 21, 2026 |