Travel insurance is the policy that covers financial risks arising during a trip outside your city or country of residence. It protects you against unexpected expenses such as medical emergencies, trip cancellation, lost luggage, or third-party liability.
The coverage by this travel insurance is valid in the countries mentioned in the policy as well as in the transit ones.
The price of a medical insurance for trips abroad is established depending on the duration and purpose of the trip, the destination country and the age of the insured. Go quietly on the dream vacation! Now with travel insurance from Destine Insurance Broker-Reinsurance everything is simpler. The travel insurance is flexible to your needs and saves you from additional expenses.In order to better understand this type of insurance we invite you to schedule an appointment with a Destine Broker consultant, here.
Travel insurance is a contract between the insured person and the insurer under which, in exchange for a premium, the insurer covers costs resulting from unforeseen events occurring during a trip, within the limits and conditions set out in the policy.
In general, it is not mandatory. However, certain countries may require you proof of medical travel insurance for visa issuance or entry into their territory.
As a rule, pre-existing conditions are excluded or covered only to a limited extent, depending on the policy terms. The contractual clauses must be reviewed carefully.
Most standard policies cover only events occurring outside the country of residence. However, there are products specifically designed for domestic travel.
The insured person must immediately contact the assistance service indicated in the policy before incurring significant expenses, except in cases of major emergency.
Yes, but recreational sports or those considered high-risk (e.g., skiing, diving) usually require an additional coverage extension.
The European Health Insurance Card issued under the public system allows access to medically necessary healthcare services in EU countries under the conditions of the local public healthcare system. It is not sufficient on its own. Travel insurance may additionally cover repatriation, treatment in private medical facilities, trip cancellation, or lost luggage.
This travel insurance complements the medical assistance insurance abroad, (it is a supplement of this insurance) offering the insured the possibility to benefit, upon returning to Romania, from the continuation of the medical services started abroad.
The insurer covers only medically necessary treatments related to illnesses, disorders, or bodily injuries that occur and are covered during the validity period of the health insurance abroad.
The health insurance contract is concluded either at the same time or after the foreign health care insurance is arranged, before the trip begins (but no later than when the foreign health care insurance takes effect).
(1) The aftermath of war or war-like events, participation in the service including military peacekeeping missions outside Romania.
(2) The consequences of terrorist attacks, riots, riots, riots or circumstances exceptional (serious threat to public order or internal security).
(3) The consequences of nuclear radiation, fusion, fission and acceleration of particles.
(4) The consequences of earthquakes, floods and other natural disasters.
(5) The consequences of the intentional (premeditated) actions of the Insured persons.
(6) Obtaining by fraudulent means the insurance payments, respectively the deliberate misleading of the Insurer.
(7) Committing, attempting to commit, as well as the participation of the Insured in committing a deed penalty provided by law.
(8) The consequences of the consumption of alcohol, drugs, other toxic substances, and methods of detoxification, including their consequences.
(9) Experimental medicine, including its consequences.
(10) Participation as a subject in medical, chemical studies, scientific research related to health even if they are not declared as such, including their consequences.
(11) Self-treatment / self-medication, including its consequences.
(12) Medical services that are not medically necessary.
(13) Medical Services which are the consequences of a Treatment prescribed and not followed by a Secure.
(14) Suicide attempts, including their consequences.
(15) Epidemics, pandemics recognized by the competent authorities.
Anyone between the ages of 1 and 64 can take out Health Care health insurance.
This insurance complements the medical assistance insurance abroad, (it is a supplement of this insurance) offering the insured the possibility to benefit, upon returning to Romania, from the continuation of the medical services started abroad.
The insurer covers only medically necessary treatments related to illnesses, disorders, or bodily injuries that occur and are covered during the validity period of the health insurance abroad.
The health insurance contract is concluded either at the same time or after the foreign health care insurance is arranged, before the trip begins (but no later than when the foreign health care insurance takes effect).
(1) The aftermath of war or war-like events, participation in the service including military peacekeeping missions outside Romania.
(2) The consequences of terrorist attacks, riots, riots, riots or circumstances exceptional (serious threat to public order or internal security).
(3) The consequences of nuclear radiation, fusion, fission and acceleration of particles.
(4) The consequences of earthquakes, floods and other natural disasters.
(5) The consequences of the intentional (premeditated) actions of the Insured persons.
(6) Obtaining by fraudulent means the insurance payments, respectively the deliberate misleading of the Insurer.
(7) Committing, attempting to commit, as well as the participation of the Insured in committing a deed penalty provided by law.
(8) The consequences of the consumption of alcohol, drugs, other toxic substances, and methods of detoxification, including their consequences.
(9) Experimental medicine, including its consequences.
(10) Participation as a subject in medical, chemical studies, scientific research related to health even if they are not declared as such, including their consequences.
(11) Self-treatment / self-medication, including its consequences.
(12) Medical services that are not medically necessary.
(13) Medical Services which are the consequences of a Treatment prescribed and not followed by a Secure.
(14) Suicide attempts, including their consequences.
(15) Epidemics, pandemics recognized by the competent authorities.
Anyone between the ages of 1 and 64 can take out Health Care health insurance.
Healthcare Travel Support covers medical services in the country if a medical need arose during the trip abroad. In the first 30 days from the moment you return to the country, you benefit from medical services both on an outpatient and in hospital basis.
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