Modra / Vzajemna
Modra / Vzajemna is a travel insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
worldwide
Worldwide or Croatia only (family plan); does not cover Slovenia or country of permanent residence. For foreigners in Slovenia: Slovenia and neighbouring countries (Croatia, Italy, Austria, Hungary).
Unique selling points
- Coverage up to EUR 1,000,000 per person in Package XXL — among the highest travel medical insured sums available in the Slovenian market.
- 24/7 Slovenian-language assistance centre (+386 1 47 18 777) organises emergency care and direct payment to providers, so the insured does not need to pay large bills upfront for serious incidents.
- Annual Multitrip policy includes the 'Dr. Posvet' 24/7 remote video or chat consultation with Slovenian doctors — available at no extra cost for all non-urgent health questions throughout the year.
- Search and rescue coverage included as standard (up to EUR 50,000 in Package XXL) — covering mountain, sea, cave and desert rescue operations worldwide.
- Online policy issuance via Modra zavarovalnica with a 10% discount valid through 31 December 2026, covering all packages including short-trip and annual Multitrip policies.
Coverage limits
Emergency medical expenses
Covered
Covers all emergency medical care costs including medications and medical devices prescribed by a doctor, treatment costs until medically fit for repatriation. Ranges from EUR 25,000 (Croatia package) to EUR 1,000,000 (Package XXL) per person.
Emergency medical treatment
Covered
Covers all emergency medical treatment that cannot be postponed without endangering the insured's life or health, including costs in both public and private facilities abroad. Sub-limit of the total insured sum per package (EUR 25,000–1,000,000).
Hospitalization costs
Covered
Hospitalization costs are covered as part of the emergency medical expenses up to the total insured sum per package. Additionally, if hospitalized for more than 7 days and unable to return, a family member's travel costs are covered.
Outpatient treatment
Covered
Outpatient emergency medical care costs are covered within the total insured sum for emergency medical services, including transport to and from the nearest hospital or clinic.
Emergency dental treatment
Covered
Covers emergency dental treatment required for acute pain relief due to illness or fresh dental injury, including tooth extraction and simple repair of dentures where eating is not possible otherwise. Limit per claim: EUR 200 (Croatia), EUR 300 (Package S), EUR 400 (Package M), EUR 800 (Package L), EUR 1,000 (Package XXL). Crowns, bridges, implants and prosthetics are excluded.
Medical transport costs
Covered
Covers transport costs to the nearest hospital or clinic and back to the place of stay abroad, organised in cooperation with the assistance partner. Included within the overall transport and other costs insured sum (EUR 25,000–1,000,000 per package).
Medical evacuation and repatriation transport
Covered
Covers the cost of transport to the insured's home address or hospital in the home country when medically unable to travel by planned means, including medical team escort if required. Organized by the 24/7 assistance centre. Covered within the transport insured sum per package (EUR 25,000–1,000,000).
Repatriation of mortal remains
Covered
Costs of repatriating the insured's mortal remains to the home country are covered within the transport insured sum per package (EUR 25,000–1,000,000).
Search and rescue costs
Covered
Covers search and rescue costs arising from unforeseen illness or injury in hard-to-reach areas (mountains, seas, lakes, caves, deserts, etc.). Requires prior consent via assistance centre call. Limits per person: EUR 5,000 (Croatia), EUR 10,000 (Package S), EUR 15,000 (Package M), EUR 25,000 (Package L), EUR 50,000 (Package XXL).
COVID-19 treatment
Covered
COVID-19 is treated as a regular illness and covered up to the insured medical expenses sum per package (EUR 25,000–1,000,000). No special exclusions apply.
Pre-existing conditions
Excluded
Illnesses, health conditions, and injuries that existed before departure abroad or appeared before departure and were not fully resolved are explicitly excluded. Chronic diseases are also excluded, except for acute exacerbations which have a separate limited sub-limit.
Winter sports / high-risk sports cover
Optional
High-risk activities and extreme sports (including skiing off-piste, ski jumping, heli-skiing, etc.) are excluded by default. Coverage is available as an add-on with a 50% premium surcharge. The list of sports requiring a surcharge is published on vzajemna.si.
Adventure / extreme sports cover
Optional
Extreme sports (alpinism, bungee jumping, base jumping, cave diving, white-water activities, motor sports, free climbing, etc.) are excluded by default. A higher premium surcharge (50%) is required to include coverage. Activities above 6,000 m altitude remain excluded even with surcharge.
Pregnancy complications
Excluded
Costs related to pregnancy, routine prenatal check-ups, complications, and childbirth are generally excluded. Exception: life-saving treatment for the mother or child is covered. Planned termination of pregnancy, IVF, infertility treatment and contraception are explicitly excluded.
Personal liability
Excluded
Personal liability (civil liability for damage caused to third parties) is not covered under the standard SP-TAS-22 travel medical product. Legal assistance costs for criminal or civil proceedings initiated abroad are covered under a separate legal assistance sub-limit, but damages and defence costs are explicitly excluded.
Legal assistance costs
Covered
Covers costs of organising legal assistance if criminal or civil proceedings are initiated against the insured in the foreign country for damage caused to third parties or other negligent acts. Also covers telephone interpreter costs and temporary bail deposit (bail must be repaid within 30 days). Damages and defence costs are excluded. Limits per person: EUR 1,000 (Croatia), EUR 2,000 (Package S), EUR 3,000 (Package M), EUR 4,000 (Package L), EUR 6,000 (Package XXL).
24/7 assistance services
Covered
24/7 assistance centre availability (phone +386 1 47 18 777) providing organisation of emergency medical aid and transport, notification of the insured and next of kin, and reimbursement of emergency call costs. For Multitrip annual policies the 'Dr. Posvet' remote medical consultation (video/chat with Slovenian doctors) is also included.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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.
Chronic conditions
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).
Pregnancy
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.
pre_existing_conditions
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.
coverage_duration_limit
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.
Where to buy
Policy specifics
Medical assistance abroad
24/7 medical assistance centre support for emergency medical situations abroad
Emergency dental treatment
Coverage for emergency dental treatment for acute pain relief in travel packages
Acute exacerbation of chronic disease
Coverage for emergency treatment of sudden acute exacerbation of pre-existing chronic conditions
Emergency repatriation to home country
Coverage for emergency transport costs to return to home country due to serious illness or injury
Dr. Posvet remote medical consultation
24/7 remote medical consultation service with Slovenian physicians via app or phone (video call or chat)
COVID-19 coverage
COVID-19 treated as a regular illness covered up to the insured limit
Age limit for coverage
Maximum age limit for individual insuring is 70 years; surcharge of 50% applies for persons aged 75+ years
Geographic scope selection
Policyholder must choose between worldwide coverage or limited coverage (e.g., Croatia only for family plans)
Waiting period for pregnancy-related care
Six-month waiting period for normal delivery if pregnancy existed before policy inception; specific coverage for emergency complications
Claim notification deadline
Claims must be submitted within 3 months after return to home country
Assistance centre activation requirement
Serious illnesses, injuries, hospitalization, or transport to home country require immediate notification to 24/7 assistance centre
High-risk sports or activities surcharge
50% premium surcharge applies if policyholder engages in risky sports during coverage period
Annual Multitrip coverage limitation
Annual Multitrip insurance covers unlimited trips within one year; each individual trip limited to maximum 90 days