Varuh zdravja | Vzajemna
Varuh zdravja | Vzajemna is a travel insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
For serious illness or injury requiring hospitalisation or repatriation, the insured must immediately notify the assistance centre (+386 1 47 18 777 or tujina@vzajemna.si), which then organises and directly settles costs with providers. For minor acute illness or injury where costs do not exceed a minor threshold, the insured may pay out-of-pocket and subsequently claim reimbursement directly from Vzajemna within 3 months of returning home. Direct payment to the provider can also be arranged by agreement.
Geographic scope
SI
Worldwide (Croatia or worldwide selectable at inception); coverage excludes Slovenia and country of insured's official permanent residence. Coverage not available for Russia, Belarus, Ukraine, Palestine, Israel, Lebanon, Iran, Syria until further notice.
Starting from
€50
Unique selling points
- Coverage of up to 1,000,000 EUR (Package XXL – Milijon) for emergency medical and related expenses abroad — one of the highest limits available in the Slovenian market.
- Unlimited number of annual trips covered with a single premium, each trip up to 90 days — ideal for frequent travellers without re-purchasing per trip.
- Included 24/7 telemedicine service (Dr. Posvet) — chat or video consultation with a Slovenian-speaking doctor worldwide at no extra cost.
- Acute exacerbation of chronic diseases is covered as standard across all packages — removing a gap that many competitors exclude.
- Family members covered on one annual policy do not need to travel together — maximum flexibility for families with varied travel schedules.
Coverage limits
Emergency medical expenses
Covered
Covers costs of emergency medical care (including prescribed medicines and medical aids), treatment until medically fit for repatriation, acute exacerbation of chronic diseases, and transport to the nearest hospital and back. Coverage ranges from 50,000 EUR (package S, world) to 1,000,000 EUR (package XXL – Milijon), as selected at policy inception.
Emergency medical treatment
Covered
All medical services that cannot be postponed without endangering the life or health of the insured, including treatment at private providers not in the public healthcare network. Covered up to the insured sum selected (50,000–1,000,000 EUR).
Hospitalisation costs
Covered
Hospitalisation costs are covered as part of the overall emergency medical expenses up to the insured sum. No separate sub-limit for hospitalisation is stated; it forms part of the global medical expenses limit. Accommodation costs for an accompanying family member or companion are also covered during hospitalisation.
Outpatient treatment
Covered
Outpatient emergency medical care is covered within the overall medical expenses insured sum. No separate sub-limit is stated for outpatient vs. inpatient treatment; all emergency medical care (outpatient and inpatient) falls under the same aggregate limit.
Emergency dental treatment
Covered
Covers costs of emergency dental care required to relieve acute pain due to disease or fresh dental injury, including tooth extraction and simple repairs to dental prostheses if the insured cannot eat without it. Dental crowns, bridges, implants, and prosthetics are excluded except where necessary for eating. The XXL package has a documented dental sub-limit of 1,000 EUR per claim based on available partner data; the general T&C do not specify a universal dental sub-limit.
Medical transport
Covered
Covers transport to the nearest hospital or clinic and back to the place of stay abroad, as well as organised repatriation transport to home country hospital or residence if medically required, including medical escort where necessary. Transport costs are covered at the most economical provider rate (economy class for public transport). No separate monetary cap is stated; subject to the overall insured sum.
Medical evacuation
Covered
Covers organised repatriation to the insured's home country hospital or residence when health condition does not permit travel as originally planned, including medical escort if required by the insured's health condition. Organised in cooperation with the assistance partner.
Repatriation of mortal remains
Covered
Covers costs of transporting the insured's mortal remains back to the home country. Explicitly listed as a covered transport cost in the policy.
Search and rescue costs
Covered
Covers search and rescue costs arising from the insured's unforeseen illness or injury in hard-to-reach areas such as mountains, seas, lakes, caves, deserts, etc. Includes both search costs (when officially reported missing) and rescue costs (after location), including transport from the accident site to the nearest medical centre. Requires prior consent from the assistance centre where possible.
COVID-19 treatment
Covered
COVID-19 is treated the same as any other disease; emergency medical expenses and related costs arising from COVID-19 are covered up to the full insured sum applicable to the chosen package, subject to standard policy terms.
Pre-existing conditions
Excluded
Diseases, health conditions, and injuries that existed before departure abroad (or before the foreign national's arrival in Slovenia) and had not been fully resolved by departure are explicitly excluded. Chronic diseases are also excluded except in the case of acute exacerbation (which is included). Pre-existing conditions coverage is not_covered under this product.
Winter sports / ski resort coverage
Optional
Recreational skiing and snowboarding on groomed slopes is covered under the base product. Off-piste skiing, ski jumps, acrobatic skiing, heli-skiing, and other extreme winter sports require payment of a higher premium (add-on). An optional ski resort liability add-on (zavarovanje odgovornosti na smučišču) with a sum insured of 30,000 EUR is available as a separate rider.
Extreme / adventure sports coverage
Optional
High-risk and extreme sports (alpinism, base jumping, bungee jumping, cave diving, whitewater kayaking, ice climbing, free climbing, etc.) on both recreational and professional level require payment of a separately agreed higher premium. Standard recreational sports are covered in the base product. A list of sports requiring a surcharge is published on vzajemna.si.
Pregnancy complications / childbirth
Conditional
Pregnancy costs, routine antenatal check-ups, complications, and childbirth are generally excluded. However, emergency treatment to save the life of the mother or child is covered. Routine pregnancy management and planned delivery are not covered under the standard Multitrip policy.
Personal liability abroad
Excluded
General personal liability abroad is not covered under the base Multitrip product. An optional ski resort liability add-on (zavarovanje odgovornosti na smučišču v tujini) with a 30,000 EUR insured sum is available as a separate rider. Legal assistance (organisation of lawyer, telephone interpreter, and temporary bail deposit) is included but compensation/damages and legal defence costs are explicitly excluded.
Legal assistance abroad
Covered
Covers organisation of legal assistance if criminal or civil liability 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 a temporary bail deposit (which must be repaid within 30 days of invoice). Compensation and legal defence costs are not covered.
24/7 assistance service
Covered
24/7 medical assistance centre available in Slovenian language, reachable at +386 1 47 18 777 or tujina@vzajemna.si. Services include: organisation of emergency medical help and transports, notification of insured's family, availability for phone calls with reimbursement of urgent call costs, and other assistance related to the insured event. Also includes the Dr. Posvet 24/7 telemedicine chat/video consultation service with a Slovenian doctor (belongs to the policyholder).
Key conditions
Assistance call deadline
In case of serious illness, injury, need for hospitalisation, or repatriation, the insured must notify the assistance centre immediately or as soon as practically possible (phone +386 1 47 18 777 or email tujina@vzajemna.si). For minor acute illness or injury not requiring hospitalisation, a call is not required; the insured may pay out-of-pocket and claim reimbursement. Claims must be submitted within 3 months of returning home.
Unauthorized treatment
If the insured refuses the proposed emergency treatment, repatriation, or other services organised by Vzajemna, the insurer's obligations cease. For services requiring prior approval (e.g. search and rescue), failure to obtain approval may result in the costs not being covered. For minor cases paid out of pocket, prior approval is not required.
Purchase while abroad
Insurance must generally be concluded before departure from Slovenia or the country of permanent residence. By agreement, insurance may also be concluded on the day of departure or while already abroad, provided the insured event has not yet occurred. For the Multitrip annual policy, coverage begins at 00:00 on the start date stated in the policy, provided the premium has been paid by then.
Chronic conditions
Chronic diseases are generally excluded. However, the acute exacerbation of a chronic disease – defined as the sudden onset of severe symptoms characteristic of the chronic condition – is covered within the overall medical expenses insured sum. Expected complications of chronic diseases are also considered chronic diseases and are therefore excluded.
Pregnancy
Pregnancy, routine antenatal check-ups, complications of pregnancy, and childbirth are excluded. An exception applies only when emergency treatment is necessary to save the life of the mother or child. Planned termination of pregnancy, assisted reproduction, treatment of infertility, and contraception are all excluded.
pre_existing_conditions
Diseases, health conditions, and injuries that existed before departure or had manifested before departure and were not fully resolved are excluded. This applies to both acute and chronic conditions. Only the acute exacerbation of a previously known chronic disease is covered (as a separate explicit inclusion).
coverage_duration_limit
For the Annual Multitrip policy, coverage applies for an unlimited number of trips abroad within one insurance year. Each individual trip is covered for a maximum of the first 90 days without returning home. Coverage for a child who turns 26 during the insurance year ceases at the end of that insurance year.
Where to buy
Policy specifics
Medical expenses coverage limit
Coverage ranges from 50,000 EUR to 1,000,000 EUR depending on selected package (S, L, XXL - Milijon)
Individual trip duration limit
Each individual trip within annual policy is covered for maximum 90 days without returning home
Geographic coverage options
Coverage available for Croatia only or worldwide; extended Europe coverage available with special terms; excludes Slovenia and country of permanent residence
24/7 medical assistance service
Includes 24/7 medical assistance center in Slovenian language for emergency medical help, transport organization, and legal support
Annual policy term
Policy is issued for one year and covers unlimited number of trips abroad, with each individual trip limited to 90 days
Age limit for basic coverage
Insurable persons up to age 70; persons over 75 can be insured with 50% premium surcharge
Family policy structure
Family coverage available for maximum two adults (under 75) in family relationship plus children under 26; family members do not need to travel together
Optional accident coverage addon
Optional accident coverage can be added to Annual Multitrip providing daily hospital allowance of 20 EUR per night (max 30 nights per claim) and disability table benefits
Dr. Posvet telemedicine service
Included 24/7 telemedicine consultation service with Slovenian doctor via chat or video call available worldwide during policy validity