Generali Travel insurance (Tujina)

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.

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.

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).

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).

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.

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.

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).

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).

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.

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.

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).

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.

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.

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.

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.

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.