Merkur
Merkur is a travel insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
SI
Worldwide except Slovenia (country of permanent residence of insured)
Starting from
€6
Unique selling points
- Free 24/7 video consultation with a Slovenian-speaking general practitioner (Dr. Merkur) is included at no extra cost in both packages — a feature rarely bundled into standard travel insurance.
- Medical coverage up to 100,000 EUR with no age-based premium loading — the premium is independent of the insured's age.
- Comprehensive COVID-19 coverage is built into the base policy — including quarantine accommodation (up to 7 nights, max 170 EUR/night) and missed-return transport costs (up to 1,000 EUR).
- Exclusive Full package coverages not found in standard market products: post-travel rehabilitation (up to 300 EUR), pet care during medical detention abroad (up to 100 EUR), and violence victim compensation (500 EUR lump sum).
- Instant online issuance with same-day coverage start — the policy is delivered to the insured's email immediately upon purchase, with coverage effective from the day of conclusion.
Coverage limits
Medical Care and Health Services
Covered
Covers necessary costs of medical care and doctor visits resulting from accident or illness abroad, including operations and all necessary diagnostics, up to the full insured sum selected (25,000, 50,000 or 100,000 EUR).
Emergency Medical Treatment
Covered
Covers necessary costs of treatment resulting from accident (including animal bites and stings) or illness abroad, up to the date when the insured's health condition allows transport to Slovenia. Covered up to the full insured sum.
Hospitalization
Covered
Hospitalization costs are covered as part of medical treatment and health care up to the full insured sum. Standard (non-premium) hospital accommodation is covered; premium accommodation (e.g. single room with TV) is excluded.
Outpatient Treatment
Covered
Outpatient treatment including doctor visits, medicines, and medical devices prescribed by a physician are covered as part of medical care up to the full insured sum.
Emergency Dental Services
Covered
Covers costs of emergency dental procedures necessary to relieve sudden (acute) pain due to illness or dental injury, including tooth extraction and simple denture repairs. Limit: 500 EUR.
Transport to Hospital and Back
Covered
Covers costs of transporting the insured to the nearest or appropriate hospital or clinic and back to the original location abroad. Includes all forms of suitable transport including helicopter transport. Covered up to the full insured sum.
Medical Evacuation / Repatriation to Home Country
Covered
Covers costs of transporting the injured or ill insured back to Slovenia when the insured's health condition prevents return by the originally planned method. The assistance physician in consultation with the treating physician decides whether medical supervision is required during transport. Covered up to the full insured sum.
Repatriation of Remains
Covered
In the event of death abroad, covers assistance and costs of returning the remains, funeral procedures abroad, basic international transport coffin, and transport of the body or ashes to the burial site in Slovenia. Covered up to the full insured sum.
Search and Rescue (Helicopter)
Covered
Helicopter transport to hospital is covered as part of medical transport to hospital (Article 9) up to the full insured sum. No separate standalone search and rescue benefit is specified, but helicopter rescue is explicitly included in transport costs.
COVID-19 Treatment
Covered
COVID-19 (SARS-CoV-2) infection abroad is covered the same as any other new illness, up to the full insured sum. Includes doctor-prescribed COVID-19 tests (regardless of result) when any hospital or outpatient treatment occurs. Also covers quarantine/self-isolation accommodation costs up to 7 nights at max 170 EUR/night, and transport costs up to 1,000 EUR if the insured misses the planned return date due to COVID-19 infection.
Pre-existing Conditions
Conditional
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).
Winter Sports Cover
Conditional
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.
Adventure / Extreme Sports Cover
Conditional
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.
Pregnancy Complications
Conditional
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.
Civil Liability / Personal Liability
Conditional
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.
Legal Assistance (within Civil Liability)
Conditional
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.
24/7 Medical Assistance
Covered
24/7 assistance is available at +386 1 300 55 00. Includes organization of emergency medical assistance abroad, coordination with treating physicians, and arrangement of transport. Included in both Basic and Full packages.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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.
Chronic conditions
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.
Pregnancy
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.
pre_existing_conditions
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.
coverage_duration_limit
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.
Where to buy
Policy specifics
COVID-19 Coverage
Comprehensive COVID-19 coverage including quarantine/isolation costs (up to 7 nights, max 170 EUR/night), transport costs (up to 1000 EUR), and medical treatment costs
Remote Doctor Consultation Service
Free remote consultation with general practitioner (Dr. Merkur) available 24/7 in Slovenian language for medical advice during travel
Chronic Disease Exacerbation Coverage
Coverage for sudden exacerbation or worsening of existing chronic diseases during travel abroad
Post-Travel Rehabilitation Coverage
Coverage for rehabilitation costs up to 300 EUR if insured person undergoes spa/health resort treatment upon return home following injury sustained during travel
Airport Lounge Cost Reimbursement
Reimbursement of airport lounge usage costs up to 50 EUR in case of flight cancellation, delay or rescheduling (same day or within 12 hours)
Pet Care Cost Coverage
Coverage for pet care costs up to 100 EUR if insured person is detained abroad due to medical or health care needs
Flight Delay Due to Natural Disaster
Coverage for costs associated with flight delays caused by natural disasters
Lost/Damaged Document Replacement
Coverage up to 200 EUR for new or temporary personal document preparation if documents are lost, damaged due to accident, or stolen abroad
Assistance Center Contact Requirement
Policyholder must contact 24/7 assistance center as soon as possible after accident or illness to ensure proper organization of medical care and maintain coverage
Worldwide Validity Requirement
Insurance coverage applies worldwide except in the country of permanent residence. Coverage not applicable in home country of insured person
Package Selection - Basic vs. Full Coverage
Policyholder must choose between Basic (Osnovni) and Full (Popolni) package versions with different coverage levels. Each package offers different coverage scope for medical and travel-related risks
Insured Sum Selection
Policyholder must select one of three available insurance amounts: 25,000 EUR, 50,000 EUR, or 100,000 EUR. Higher sums provide greater coverage limits for medical expenses
Policy Duration Selection
Policyholder can select policy duration from 1 day to 12 months. Flexibility allows coverage for single trips or annual multi-trip coverage