Merkur zavarovalnica d.d.
Merkur
Merkur is a travel insurance for the Slovenia market with online purchase and 24/7 assistance.
Direct payment
Emergency medical assistance is arranged and settled directly by the insurer's 24/7 assistance centre without upfront payment by the insured, provided the assistance centre is notified immediately; if costs do not exceed 250 EUR, notification is not required and the insured pays first and is reimbursed after returning home.
Geographic scope
Worldwide, except Slovenia
The insurance is valid worldwide, except in the Republic of Slovenia.
Unique selling points
- Free unlimited 24/7 remote video consultations with a Slovenian-speaking family medicine doctor (Dr. Merkur) while abroad, at no extra cost.
- Extensive COVID-19 cover treating infection like any other illness, including up to 7 nights of quarantine accommodation and rebooked-transport costs up to 1,000 EUR.
- Complete package adds exclusive benefits rarely bundled elsewhere: violence-victim compensation, airport lounge reimbursement, pet care costs, and post-return rehabilitation.
- Choice of three sum-insured levels (25,000 / 50,000 / 100,000 EUR) lets travellers tailor the level of protection to their trip.
- Instant online purchase with coverage able to start on the same day the policy is concluded.
Coverage limits
Medical Care and Health Services
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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).
Treatment
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
Hospitalization
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
Outpatient Treatment
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
Doctor visits and outpatient/ambulatory treatment abroad are covered under the medical care benefit up to the full sum insured.
Emergency Dental Services
€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.
Transport to Hospital and Back
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
Transport Home (Repatriation)
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
Repatriation of Mortal Remains
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
Search and Rescue
No limit stated
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.
COVID-19 Coverage
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
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).
Winter Sports Cover
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
Adventure/Extreme 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.
Pregnancy Complications
€25,000 – €100,000
100% of insured sum
Only in 25.000 EUR, 50.000 EUR, 100.000 EUR
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.
Civil (Personal) Liability
€25,000 – €100,000
100% of insured sum
Only in Popolni paket
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.
Legal Assistance
€25,000 – €100,000
100% of insured sum
Only in Popolni paket
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.
24/7 Assistance
Covered
The insurer provides medical and travel assistance 24 hours a day, 7 days a week via a dedicated phone line (+386 1 300 55 00); the insured must contact the assistance centre immediately before arranging help independently, except where costs do not exceed 250 EUR.
Key conditions
Assistance call deadline
The insured must immediately call/notify the insurer's assistance centre before organizing their own help; notification is not required if costs do not exceed 250 EUR. Separately, failure to notify the insurer of a claim within 3 days of the onset of the illness or injury (absent objective reasons) allows the insurer to deny costs.
Unauthorized treatment
No costs are covered for services provided by any party that is not a contractual partner of the assistance company, or for services performed without the assistance company's authorization, involvement or approval.
Purchase while abroad
The policy must be concluded before departure abroad. If concluded while the insured is already abroad, coverage for accidents starts after a 1-day waiting period, and for illness after a 3-day waiting period from conclusion.
Chronic conditions
Worsening of pre-existing or recurring chronic illnesses already treated (or not fully resolved) before the policy start/departure is excluded, except for a sudden, unexpected acute exacerbation of a chronic disease, which is covered up to 3,000 EUR.
Pregnancy
Routine pregnancy check-ups, typical pregnancy discomforts, birth after the 37th week, and prevention/termination of pregnancy are excluded, except when treatment is necessary to save the life of the mother or child.
Pre-existing condition exclusions
Pre-existing diseases and injuries are explicitly listed as not covered. The only carve-back is a sudden, unexpected exacerbation of a chronic illness, covered up to 3,000 EUR.
Coverage duration limit
Under an annual policy, an unlimited number of trips abroad per insurance year are covered, but a single stay abroad must not exceed 90 consecutive days; short-term policies have no such per-trip duration limit.
Where to buy
Policy specifics
COVID-19 Coverage
Comprehensive COVID-19 coverage treating infection like other acute illnesses, including test costs, quarantine/isolation costs up to 7 nights (max €170/night), and transport repatriation up to €1,000 if return home delayed due to infection
SourceFree Remote Video Consultation with Dr. Merkur
Complimentary remote video consultation with family medicine physician in Slovenian language available 24/7 during travel abroad
SourceEmergency Medical Repatriation
Coverage for emergency transport to home country in case of serious medical condition; included with 24/7 medical assistance services coordinated by insurance company assistance centre
SourceSudden Exacerbation of Chronic Illness
Coverage for sudden unexpected worsening of pre-existing chronic diseases while abroad
SourcePost-Return Rehabilitation Coverage
Coverage for rehabilitation costs up to €300 following travel injury/illness when referred by personal or designated physician after return home
SourceViolence Victim Compensation
Financial compensation if insured becomes victim of violence abroad
SourceAirport Lounge Cost Reimbursement
Reimbursement of airport lounge costs on all world airports when flight cancelled or postponed
SourcePet Care Coverage
Coverage for pet care costs up to €100 if insured is detained abroad due to medical/health care needs
SourcePersonal Document Replacement
Coverage up to €200 for costs of new/temporary personal documents if lost, damaged by accident, or stolen abroad
SourceCompanion Transport and Stay
Covers transport and accommodation costs, up to 2,000 EUR, for a person who stays with the insured at their request or on the treating physician's recommendation, or for a close relative travelling to the place of hospitalization.
SourceReturn Home on Death or Serious Illness of a Family Member
Covers the cost of organizing and returning the insured home, up to 750 EUR, in the event of the death or sudden, unexpected hospitalization of a defined family member.
SourceFlight Delay Due to Natural Disaster
Covers costs (up to 500 EUR, and up to the cost of a new flight ticket) arising from missing a flight abroad due to a natural disaster (e.g. earthquake, landslide, flood, drought, hail) objectively preventing timely arrival at the airport; not payable if the insured was negligent in organizing their trip to the airport.
SourceMandatory Assistance Centre Notification
In case of insurance claim, insured must immediately contact (call or notify) insurance assistance centre before arranging own help. Notification not required when costs do not exceed certain thresholds
SourceIndividual vs. Family Coverage Distinction
Product offers two coverage types: Individual (single person or group of unrelated persons) and Family (related persons: spouses, partners in registered unions, children/grandchildren up to age 26)
SourceAnnual vs. Short-Term Coverage Duration
Insurance offered in two duration options: Annual coverage providing unlimited trips abroad within one calendar year (max 90 days per single trip), or Short-term coverage with no per-trip duration limits
SourceThree Coverage Limit Tiers
Insured must select one of three coverage amount options: €25,000, €50,000, or €100,000. This limit represents maximum insurer obligation for claims in single insurance event
SourceCountry of Permanent Residence Exclusion
Insurance valid worldwide except in insured's country of permanent residence
SourcePremium Payment Timing
Insurance premium must be paid at time of policy conclusion. If premium paid when already abroad, insurance valid only after 3-day waiting period
SourceQualifying Travel Type Definition
Insurance covers tourist travel, business travel, or professional travel. Specific occupational or high-risk activities may have additional restrictions
SourceMaximum Insurable Age
Only individuals who will not be older than 75 years at the expiry of the insurance may be insured; persons permanently and fully unfit for work, or with severe neurological or mental illness, cannot be insured under this policy.
Source