INSURANCE
Portofinolux offers to travellers a coverage of medical expenses and health care for stays up to 180 days duration at a starting cost from EUR 49. The policy is aimed at foreigners who are in Italy or in the Schengen area, even in the case of packages and touring circuits.
Portofinolux offers to travellers a coverage of medical expenses and health care for stays up to 180 days duration at a starting cost from EUR 49. The policy is aimed at foreigners who are in Italy or in the Schengen area, even in the case of packages and touring circuits.
Here find an extrait Special Insurance Conditions
Medical expenses
In the event of the Insured’s accident or illness, and except for the Exclusions indicated in this Contract and net of any deductions or excesses shown below, ERV will organise the interventions indicated below necessary to assist the Insured, in accordance with the liability limits and the conditions relating to the class of product chosen by the Contracting Party, through its Operational Centre.
NB: The expenses sustained in medical structures are paid directly by ERV, where possible and subject to the prior contact of the Insured with the Operational Centre. Ø: service or cover not provided; √: service or cover provided Hospital and surgical expenses
Schengen Area € 30,000
Direct payment. Liability limit per person and per insurance period. The cover is provided up to the time the Insured is discharged or consid-ered in the condition to be repatriated. However, the cover is operative for a period of not more than 30 days in hospital. When direct pay-ment cannot be made, the expenses will be reimbursed as long the Insured or the person acting for him contacted the Operational Centre for the opening of the assistance dossier.
Limitations: sub-limit of € 300 daily fee for hospital stay.
Medical expenses
In the event of the Insured’s accident or illness, and except for the Exclusions indicated in this Contract and net of any deductions or excesses shown below, ERV will organise the interventions indicated below necessary to assist the Insured, in accordance with the liability limits and the conditions relating to the class of product chosen by the Contracting Party, through its Operational Centre.
NB: The expenses sustained in medical structures are paid directly by ERV, where possible and subject to the prior contact of the Insured with the Operational Centre. Ø: service or cover not provided; √: service or cover provided Hospital and surgical expenses
Schengen Area € 30,000
Direct payment. Liability limit per person and per insurance period. The cover is provided up to the time the Insured is discharged or consid-ered in the condition to be repatriated. However, the cover is operative for a period of not more than 30 days in hospital. When direct pay-ment cannot be made, the expenses will be reimbursed as long the Insured or the person acting for him contacted the Operational Centre for the opening of the assistance dossier.
Limitations: sub-limit of € 300 daily fee for hospital stay.
Pharmaceutical expenses
Schengen Area € 250
Expenses to be reimbursed. Liability limit per person and per insurance period. Reimbursement of expenses for pharmaceutical products accompanied by a prescription and sustained during the trip.
Schengen Area € 250
Expenses to be reimbursed. Liability limit per person and per insurance period. Reimbursement of expenses for pharmaceutical products accompanied by a prescription and sustained during the trip.
Transport expenses
Schengen Area € 500
Expenses to be reimbursed. Liability limit per person and per insurance period. Reimbursement of the transport expenses from the place of the event to the first aid centre or in-patient treatment centre.
Excess applied An excess of € 50 is applied.
Exclusions (supplementing the General (Common) Exclusions)
ERV will not accept responsibility for expenses arising from:
Schengen Area € 500
Expenses to be reimbursed. Liability limit per person and per insurance period. Reimbursement of the transport expenses from the place of the event to the first aid centre or in-patient treatment centre.
Excess applied An excess of € 50 is applied.
Exclusions (supplementing the General (Common) Exclusions)
ERV will not accept responsibility for expenses arising from:
- the purchase of dental or orthopaedic prostheses or therapeutic apparatus;
- voluntary interruption of pregnancy or birth during the trip (for this purpose, a newborn baby although delivered prematurely is not covered by insurance);
- voluntary discharge by the Insured against medical opinion.
Telephonic medical consultancy
Schengen Area √
Emergency medical service by telephone to ascertain the Insured’s state of health or assess the most appropriate treatment to be made, in agreement with the doctors attending.
Schengen Area √
Emergency medical service by telephone to ascertain the Insured’s state of health or assess the most appropriate treatment to be made, in agreement with the doctors attending.
Indication of a specialist doctor
Schengen Area √
Indication of the name of a specialist doctor in the area closest to the place where the Insured is if the need arises for him/her to have a specialist check.
Schengen Area √
Indication of the name of a specialist doctor in the area closest to the place where the Insured is if the need arises for him/her to have a specialist check.
Patient transport/transfer
Schengen Area € 30,000
Organisation of the transport or return with the most suitable means from the first aid centre or in-patient treatment centre to a more ap-propriate medical centre or the Insured’s domicile, subject to consultation with the doctors attending.
Schengen Area € 30,000
Organisation of the transport or return with the most suitable means from the first aid centre or in-patient treatment centre to a more ap-propriate medical centre or the Insured’s domicile, subject to consultation with the doctors attending.
Arrival of a family member
Schengen Area Cost of travel up to € 500. Stay up to 5 days for a maximum of € 50/day.
Organisation and acceptance of responsibility for the costs of travel and stay of a single family member in the event of the death of the Insured or his admission to hospital with a prognosis of more than 7 days (or 48 hours if the Insured is a minor or disabled).
Schengen Area Cost of travel up to € 500. Stay up to 5 days for a maximum of € 50/day.
Organisation and acceptance of responsibility for the costs of travel and stay of a single family member in the event of the death of the Insured or his admission to hospital with a prognosis of more than 7 days (or 48 hours if the Insured is a minor or disabled).
Telephone interpreters
Schengen Area € 250
Organisation of the interpreter service via telephone in the event of the death of the Insured or his admission to hospital with a prognosis of more than 5 days (or 48 hours if the Insured is a minor or disabled).
Schengen Area € 250
Organisation of the interpreter service via telephone in the event of the death of the Insured or his admission to hospital with a prognosis of more than 5 days (or 48 hours if the Insured is a minor or disabled).
Repatriation of body
Schengen Area √
Refund of transport expenses for the return of the body to the place of burial following the Insured’s death; funeral expenses are excluded.
Schengen Area √
Refund of transport expenses for the return of the body to the place of burial following the Insured’s death; funeral expenses are excluded.
For more detailed information download the attached pdf file from our insurance trust ERV ITALIA
| erv_fascicolo_informativo_incoming_schengen-english.pdf |