Travel

This type of insurance is intended for the people travelling outside Romania, individually or in a group, for personal or professional interest.

Although taking out the travel insurance when leaving the country is not mandatory, it is useful and recommended because of:

COVERED RISKS

the costs of the emergency medical treatment following a sudden development of a disease or an accident (it includes the costs for: medicine, diagnosis and hospitalization);

the costs of the repatriation for the continuant of the therapy in the country;

repatriation of the body in case of death;

expenses for the transportation provided by the ambulance services, to the nearest hospital or to the nearest doctor;

emergency surgical treatment;

emergency dental treatment;

Additionally, the travel insurance can also cover:

Luggage loss, deterioration of the electronic equipment, voyage cancellation, etc.

NOTE: The insurance coverage is valid in the foreign countries indicated in the policy, as well as in the transited countries. The Insurer’s liability starts on the date indicated in the policy, but not before crossing the border, and ends on the expiry date of the validity period or when the Insurer crosses the border back to Romania.

Indemnifications are not granted for:

- chronic diseases and the consequences thereof, as well as diseases or accidents that the insured person intentionally produced or by the perpetration of criminal offences, or as a result of the consumption of alcohol, drugs or medicines;

- diseases or accidents being the result of war or events similar thereto or the active participation in riots, suicide, suicide attempt, self-mutilation;

- plastic and corrective surgery;

- psychiatric or psychotherapeutic treatment;

- pregnancy;

- expenses incurred for the procurement, replacement or reconstruction of prosthesis of any kind and/or spectacles;

- surgical interventions or medical treatments that can be postponed until the Insured’s return to the country;

- medicines or medical treatments necessary to be administered or granted during the travel abroad and which were known or prescribed before the journey started;

NOTE: The insurance coverage is valid in the foreign countries indicated in the policy, as well as in the transited countries. The Insurer’s liability starts on the date indicated in the policy, but not before crossing the border, and ends on the expiry date of the validity period or when the Insurer crosses the border back to Romania.

I have a damage. What do I do?

Should you have a health problem during the trip, you need to inform, within maximum 24 hours, the insurance company or the representative thereof at the telephone number indicated on your policy.

After taking this step, you should consider the instructions of the insurance company, taking into account the following:

• request every time the justification receipts for the amounts paid for the medical treatment;
• so as not to have problems in terms of a cost, verify in advance whether it is accepted or settled by the insurance company;
• upon the arrival in the country, you should contact the insurance company or your agent in order to submit the documents necessary for the elaboration of the damage file.

Damage Call Center: 031 9660

Costin Lăzărescu, Damage Manager - 0746.14.10.40