Extracted from source documents

Vzajemna Travel insurance (Travel Medical Tujina)

Underwritten by Vzajemna zdravstvena zavarovalnica d.d. · Slovenia

travel insurance from Vzajemna for the Slovenia market, with online purchase and 24/7 assistance.

Verified Aug 22, 2026 · Terms dated 2026-06-01Sources

Online purchase24/7 helpline

Unique selling points

24/7 Dr. Posvet chat or video consultation with a Slovenian-speaking doctor is included at no extra cost.

Coverage extends to private healthcare facilities outside the public health system, going beyond what the European Health Insurance Card provides.

Family Multitrip policies allow up to two adults and their children to be insured together even when they travel separately.

Multitrip annual cover allows an unlimited number of trips abroad within the insurance year, each covered up to 90 days.

An optional liability add-on can be attached to cover third-party claims for injury or property damage caused abroad.

Coverage limits

Covered

Medical expenses

€60K – €1M

Covers necessary emergency medical care abroad including prescribed medicines and medical aids, and treatment costs until you are fit to return home. The maximum sum insured for emergency medical services ranges from EUR 60,000 under Package S up to EUR 1,000,000 under Package XXL, depending on the package chosen; under Package XXL the combined limit for emergency medical care, repatriation, search & rescue and hotel accommodation is EUR 1,000,000 per person per insured event

Section: Kateri paket izbrati

1. nujne zdravstvene storitve, od te: 60.000 120.000 250.000 1.000.000*

Covered

Emergency medical treatment

Covered

Core benefit covering emergency medical care that cannot be postponed without endangering life or health, including acute exacerbation of chronic disease

Clause 10.1Page 3

Section: 10. TUJINA - nujne zdravstvene storitve

stroške nujnega zdravljenja akutnega poslabšanja kroničnih bolezni, kadar nastanejo nenadni, hudi simptomi in drugi znaki, ki so značilni za posamezno kronično bolezen

Covered

Hospitalization

Covered

Costs of hospital treatment abroad are covered as part of emergency medical costs until the insured can return home to continue treatment; if hospitalized and unable to return as planned, accommodation costs for the insured and an accompanying family member are also covered

Clause 12.2Page 4

Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino

Če ste hospitalizirani, krijemo stroške prevoza in hotelske namestitve, če se zaradi zdravstvenih razlogov ne morete vrniti v domovino, kot je bilo prvotno načrtovano

Conditional

Outpatient treatment

Conditional

Under the basic 'nujne zdravstvene storitve' module only emergency outpatient care is covered; if the 'nujne in potrebne zdravstvene storitve' module is agreed, coverage extends to non-urgent diagnostics, treatment, rehabilitation (physiotherapy), standard optics, preventive check-ups and vaccinations as foreseen under Slovenia's public health scheme

Clause 11.2Page 3

Section: 11. TUJINA - nujne in potrebne zdravstvene storitve

predpisanih standardnih očesnih pripomočkov in korekcijskih leč, kot so predvidene v sistemu javnega zdravstvenega varstva v Sloveniji

Covered

Emergency dental care

Covered

Covers emergency dental care needed to relieve acute pain from disease or fresh injury to teeth, including tooth extraction and simple denture repairs where eating would otherwise be impossible; crowns, bridges, implants and other prosthetics are excluded

Clause 10.1Page 3

Section: 10. TUJINA - nujne zdravstvene storitve

stroške nujne zobozdravstvene medicinske pomoči, ki je potrebna za odpravo akutne bolečine zaradi bolezni ali poškodbe zobovja, vključno z ekstrakcijo zoba in enostavnimi popravili zobnih protez, če zavarovancu zaradi tega prehranjevanje ni omogočeno

Covered

Medical transport

Covered

Covers transport costs to the nearest hospital or clinic and back to the place of stay abroad as part of emergency treatment

Clause 10.3Page 3

Section: 10. TUJINA - nujne zdravstvene storitve

Za potrebe nujnega zdravljenja so kriti tudi stroški prevoza do najbližje bolnišnice ali klinike in nazaj do mesta, kjer ste nastanjeni na potovanju v tujini.

Covered

Medical evacuation / transport home

Covered

Covers organization and cost of transport to your home or a hospital in your home country if this is not otherwise possible for health reasons, including a medical escort if required by your condition; prior consent from the insurer is required

Clause 12.5Page 4

Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino

Stroški prevoza so kriti, če se v domovino iz zdravstvenih razlogov ne morete vrniti na način, kot je bil prvotno načrtovan ... Obvezna je pridobitev našega soglasja pred nastankom stroškov.

Covered

Repatriation of remains

Covered

In case of death during the trip, transport costs of the mortal remains to the home country are covered

Clause 12.3Page 4

Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino

V primeru smrti na potovanju so kriti stroški prevoza posmrtnih ostankov v domovino.

Covered

Search and rescue

Covered

Covers search and rescue costs in case of illness or accident in a hard-to-reach area (mountains, sea, lakes, caves, deserts), covering both search while officially reported missing and rescue and transport once located; prior consent from the assistance center is required where possible

Clause 12.1Page 4

Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino

stroške reševanja, po tem, ko ste bili že locirani. Stroški reševanja obsegajo stroške samega reševanja in stroške vašega prevoza s kraja nesreče do najbližjega zdravstvenega centra ali bolnišnice v tujini.

COVID-19 treatment

No limit stated

No COVID-19-specific provision is stated; general exclusions list epidemics/pandemics among excluded causes, while separately hotel accommodation is covered if quarantine or isolation due to illness is ordered, so exact treatment of COVID-19 costs is not clarified

Clause 19.1Page 5

Section: 19. Katere so omejitve naših obveznosti?

epidemije/pandemije, onesnaženja okolja ali naravnih nesreč

Excluded

Pre-existing conditions

Excluded

Excluded are costs arising from diseases, health conditions and injuries that existed before departure abroad, or that appeared before departure and were not fully resolved by the time of departure; acute exacerbation of a chronic disease is however covered under emergency treatment

Clause 19.2.2Page 5

Section: 19.2 Kritje TUJINA

bolezni, zdravstvenih stanj in poškodb, ki so obstajale pred odhodom v tujino, ali so se pojavile pred odhodom v tujino in do odhoda niso bile v celoti odpravljene

Optional

Winter sports cover

Optional

Accidents or illness suffered while performing high-risk activities or extreme sports (including on a recreational level) are covered only if specially agreed in the contract and an appropriately higher premium has been paid; the list of sports requiring a surcharge is published on the insurer's website. Activities above 6,000 m altitude are always excluded

Clause 19.2.1Page 5

Section: 19.2 Kritje TUJINA

Naše obveznosti so izključene, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni, razen če je to v zavarovalni pogodbi posebej dogovorjeno in je za to plačana ustrezna višja premija.

Optional

Adventure / extreme sports cover

Optional

High-risk activities and extreme sports, professional or recreational, are covered only when specifically agreed and an additional premium is paid; a surcharge sports list is published online, and activities above 6,000 m altitude are excluded regardless

Clause 8.2Page 2

Section: 8. Kaj krije zavarovanje?

Zavarovalno kritje skladno s temi pogoji velja tudi, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni in ste za to plačali ustrezno višjo premijo.

Conditional

Pregnancy complications

Conditional

Under the basic 'nujne zdravstvene storitve' module, pregnancy-related costs (checkups, complications, childbirth) are excluded except to save the life of the mother or child. Under the 'nujne in potrebne zdravstvene storitve' module, if pregnancy did not exist at policy inception, routine checkups, treatment and childbirth are covered after a 6-month waiting period from the start of the insurance; if pregnancy existed at inception, acute complications, miscarriage, medically indicated abortion and premature birth up to the end of week 36 are covered

Clause 19.2.3Page 6

Section: 19.2.3 Za kritje TUJINA – nujne zdravstvene storitve

nosečnosti, rednih pregledov v času nosečnosti, komplikacij v nosečnosti ter poroda, razen v primeru reševanja življenja matere oziroma otroka

Optional · DODATNO KRITJE ODGOVORNOST V TUJINI

Personal liability abroad

Optional

Optional add-on (DODATNO KRITJE ODGOVORNOST V TUJINI) covering civil liability claims from third parties for bodily injury or property damage caused abroad, including legal defense costs, up to the sum insured stated on the policy; the insured bears part of the cost themselves (co-payment) as specified on the policy

Clause 15.1Page 5

Section: 15. Dodatno kritje odgovornost v tujini

bomo krili škodo zaradi civilno-pravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi stroški), ki jih tretje osebe uveljavljajo proti vam, do višine zavarovalne vsote, kot je navedena v zavarovalni pogodbi.

Conditional

Legal assistance

Conditional

Covers organization of legal assistance, telephone translator costs and bail deposit (repayable within 30 days), but only when triggered by an illness or accident abroad that required emergency medical assistance and led to criminal or civil liability proceedings against you; damages/compensation are not covered, and this is not part of the standard 24/7 assistance services

Clause 13.1Page 4

Section: 13. TUJINA - pravna pomoč

stroški pravne pomoči, v primeru bolezni ali nezgode na potovanju v tujini, zaradi katere ste potrebovali nujno medicinsko pomoč ... Odškodnina ni krita.

Covered

24/7 assistance

Covered

A 24/7 assistance center provides reachability by phone (with reimbursement of call costs), organization of emergency medical help and transport, and notification of family, plus a chat/video doctor consultation service if agreed

Page 1

Section: KAJ JE ZAVAROVANO? > Asistenčne storitve (24 ur na dan, 7 dni v tednu)

organizacija nujne zdravstvene pomoči in nujnih zdravstvenih prevozov; obveščanje namenjeno vam in vašim najbližjim; dosegljivost na vaše telefonske klice z možnostjo povračila telefonskih stroškov.

Key conditions

Assistance call deadline

In case of serious illness, injury, need for hospital treatment or repatriation, the assistance center must be notified immediately or as soon as possible (no fixed hour limit is stated); for minor acute issues, no call is required and costs are paid by the insured and later reimbursed

Unauthorized treatment

The insurer's obligations cease if the insured refuses proposed emergency treatment, transport home or other organized services; reimbursement of transport costs and search and rescue costs also generally requires prior consent obtained via a call to the assistance center

Purchase while abroad

The insurance must generally be concluded before departure abroad while the insured is in Slovenia or their country of permanent residence; by agreement with the insurer, it can also be concluded on the day of departure or while already abroad, provided the insured event has not yet occurred

Chronic conditions

Treatment of chronic diseases is excluded, except for costs arising from an acute exacerbation with sudden, severe symptoms typical of that chronic disease, which is covered under emergency treatment

Pregnancy

Pregnancy-related costs are excluded under the basic emergency module except to save the life of mother or child; under the extended 'nujne in potrebne' module, routine care and childbirth are covered after a 6-month waiting period if pregnancy did not exist at inception, or acute complications/miscarriage/medically indicated abortion/premature birth to week 36 if it did exist at inception

Pre-existing condition exclusions

Costs are excluded for diseases, health conditions and injuries that existed before departure abroad or appeared before departure and were not fully resolved by the time of departure

Coverage duration limit

For annual Multitrip insurance, coverage allows an unlimited number of trips abroad within one insurance year, but each individual trip is covered for a maximum of the first 90 days; single-trip insurance has the fixed duration stated on the policy

Direct payment

In cases of serious illness, injury, hospitalization or need for repatriation you must immediately notify the 24/7 assistance center, which verifies the contract and arranges and organizes the necessary treatment or transport; in minor cases no call is required and you pay the costs yourself and then claim reimbursement, although direct settlement with the provider can also be agreed

Territorial scope

Coverage applies abroad and does not apply in Slovenia or in the country where the insured has official permanent residence; this record describes the outbound travel product from Slovenia, while a distinct inbound product exists for foreigners in Slovenia valid in Slovenia and its neighboring countries (Croatia, Italy, Austria, Hungary)

Documents

General Terms and Conditions for Travel Insurance SP-TAS-26 (current) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions for Travel Insurance SP-TAS-22 (previous version) (opens in a new tab)

Terms & conditions · PDF

IPID - Travel Health Insurance T-570 (opens in a new tab)

Product information sheet · PDF

Policy specifics

Maximum trip duration

For Multitrip annual insurance, coverage for each individual trip abroad is limited to 90 days maximum

SourcePage 2

Section: KDAJ ZAVAROVANJE ZAČNE IN KDAJ NEHA VELJATI?

V primeru sklenjenega letnega Multitrip zavarovanja zavarovalno kritje za posamezno potovanje v tujino traja največ prvih devetdeset (90) dni.

Medical expenses and repatriation

Coverage includes emergency medical care, necessary medical treatment, emergency medical transport to hospital, and repatriation to Slovenia

Source

Section: Z zavarovanjem Multitrip vam krijemo

Prevoz na kliniko ali v bolnišnico, iskanje in reševanje ponesrečenih oseb, hotelska namestitev ter prevoz v Slovenijo.

Search and rescue services

Coverage for costs related to search and rescue operations in case of accident abroad

Source

Section: Z zavarovanjem Multitrip vam krijemo

Prevoz na kliniko ali v bolnišnico, iskanje in reševanje ponesrečenih oseb, hotelska namestitev ter prevoz v Slovenijo.

Legal assistance and translator services

Coverage for legal assistance costs and telephone translator services in case of legal disputes abroad

Source

Section: Z zavarovanjem Multitrip vam krijemo

Stroški pravne pomoči, prevajalca po telefonu in začasni polog varščine.

Family coverage

Multitrip insurance can be purchased for families with up to two adults (under 75 years, in family relationship) and their children up to 26 years old

Source

Section: Pomembno

Družinsko zavarovanje : premija velja za vso družino (največ dve odrasli osebi, mlajši od 75 let, ki sta v družinskem razmerju, in njune otroke, pastorke, posvojence ali vnuke do 26. leta starosti).

Age surcharge for persons 75 and older

Persons aged 75 years or more are charged 50% additional premium on the base premium

Source

Section: Pomembno

Pri osebah, ki so na dan začetka zavarovanja stare 75 let ali več, se obračuna 50 % doplačilo na osnovno premijo.

Geographical exclusions

Coverage is not available for travel to Russia, Belarus, Ukraine, Palestine, Israel, Lebanon, Iran, and Syria

Source

Section: Zagotavljanje kritja in organizacije zdravstvenih storitev na območjih Rusije, Belorusije, Ukrajine, Palestine, Izraela, Libanona, Irana in Sirije.

Na območju Rusije, Belorusije, Ukrajine, Palestine, Izraela, Libanona, Irana in Sirije do nadaljnjega ne moremo zagotavljati organizacije in kritja stroškov zdravstvenih storitev.

Co-payment (liability add-on only)

Applies only to the optional liability-abroad add-on (Odgovornost v tujini): the insured bears part of each claim, 10% of the claim and not less than EUR 50 per insurance case.

Source

Section: Dodatno kritje Odgovornost v tujini

Soudeležba: 10% in ne manj kot 50 EUR na zavarovalni primer

Optional liability coverage abroad

Optional add-on coverage for third-party liability claims, including legal and other costs related to compensation claims against the insured

Source

Section: Dodatno kritje Odgovornost v tujini

K izbranemu zavarovanju za tujino lahko priključite tudi dodatno kritje odgovornost v tujini. Kritje vključuje kritje škode zaradi civilno-pravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi stroški), ki jih tretje osebe uveljavljajo proti vam na podlagi odškodninskega zahtevka.

24/7 Assistance Center

24-hour assistance center available for emergency medical support and coordination, with Slovenian language support

Source

Section: Z zavarovanjem Multitrip vam krijemo

Pomoč na daljavo v slovenščini ter obveščanje vas in vaših najbližjih.

Doctor consultation service

Dr. Posvet service offering chat or video consultation with Slovenian doctor available 24/7 (included in standard package)

Source

Section: Ključne prednosti

Dr. Posvet - klepet ali videoposvet s slovenskim zdravnikom kjerkoli 24/7 (storitev pripada zavarovalcu)

Private healthcare facility access

Coverage includes access to private healthcare facilities not part of the public health system in the visited country

Source

Section: Z zavarovanjem Multitrip vam krijemo

Tudi v zdravstvenih ustanovah, ki niso del javnega zdravstva v obiskani državi.

Claim notification period

Claims must be submitted within 3 months of return to Slovenia

Source

Right of withdrawal

Insured can withdraw from remotely concluded insurance (via internet, mail) for periods of one month or longer within 15 days of contract conclusion

SourceClause 18.3Page 4

Section: 18. Odpoved pogodbe

Če ste sklenili zavarovanje na daljavo (tj. preko interneta, po pošti in podobno) ter za obdobje enega meseca ali več, imate v skladu z zakonom, ki ureja varstvo potrošnikov pravico, da odstopite od pogodbe s pisnim sporočilom zavarovalnici. Odstopite lahko v petnajstih (15) dneh od dneva sklenitve pogodbe.

Coverage exclusion for Slovenia

Coverage does not apply in Slovenia or in the country where the insured person has registered permanent residence

SourceClause 7.1Page 2

Section: 7. Kje zavarovanje velja?

Zavarovanje in zavarovalno kritje ne velja na ozemlju Slovenije in na ozemlju države, v kateri ima zavarovanec prijavljeno uradno stalno bivališče.

Coverage start condition

Coverage begins at 00:00 hours on the stated start date on the insurance contract, provided premium has been paid by that time

SourcePage 2

Section: KDAJ ZAVAROVANJE ZAČNE IN KDAJ NEHA VELJATI?

Zavarovalno kritje se prične tistega dne, ki je na polici naveden kot datum začetka zavarovanja, če je do tedaj plačana premija.

Sources