UNIQA neživotno osiguranje a.d.

UZOA
Bulevar Džordža Vašingtona 98/4, 81000 Podgorica
Tel: +382 20 444 700; Faks: +382 20 244 340 III/2021
GSM: +382 67 201 449; E-mail: [email protected]
Internet: www.uniqa.me

Pursuant to the Law on Insurance (“Official Gazette of the Republic of Montenegro”, No. 078/06 and 19/07, Official
Gazette of Montenegro, No. 053/09, 073/10, 040/11, 045/12 of, 006/13, 055/16) and the Articles of Association, at
the meeting of the Board of Directors of “UNIQA neživotno osiguranje” ad Podgorica, held on 03.03.2021. year, the
following act of business policy was adopted:

TERMS AND CONDITIONS OF HEALTH INSURANCE WITH

INCLUDED ASSISTANCE FOR PERSONS STAYING ABROAD

I INTRODUCTORY PROVISIONS or mental condition. Within the meaning of these Terms and
Conditions, illness
Article 1.
• must be established by the authorised doctor as a sudden
The present Terms and Conditions of Health Insurance and unexpected disease, infective disease, organic disorder
Including Assistance for Persons Travelling and Staying or an injury occurring within the agreed insurance period,
Abroad (hereinafter: Terms and Conditions), form an integral
part of the health insurance contract covering the period • must occur during stay abroad,
of travel and stay abroad that the Policyholder voluntarily
enters into with the Insurer. • is not related to any pre-existing health condition, nor is a
consequence of such condition
Some of the terms used in General Terms and Conditions
have the following meaning: • is of such nature that it requires medical treatment or
staying in hospital (hospitalisation) and/or assistance
Insurer – a joint stock insurance company with which services and prevents the continuation of the planned trip
an insurance contract is concluded, UNIQA neživotno and stay abroad.
osiguranje a.d. Podgorica;
Close person – person not necessarily in family relationship
Policyholder – natural or legal person entering insurance with the Insured but indicated by the Insured as a person
contract with the Insurer and paying insurance premium; close to him/her;

Insured – natural person entitled under insurance contract Chronic disease – any disease lasting more than three
to receive agreed services and compensation for the costs months, with occasional episodes of deterioration and
incurred in case of insured event occurrence; improvement of health condition, and a condition resulting
from any previously diagnosed disease or from a disease
Sum insured – maximum amount payable by the Insurer requiring treatment before the insurance contract entered into
for insured event; effect, i.e. before the commencement of insurance, known to
the Insured before he/she entered into insurance contract,
Insurance policy – written document (in the form which can be expected to last long without reasonably
established by the Insurer) about a concluded insurance predictable end date, and which may be characterised by
contract; remissions requiring permanent or temporary care;

Insurance premium – amount payable by the Policyholder Pre-existing illness/disease – illness that was medically
under insurance contract; treated or that the Insured was medically diagnosed with
before the commencement of validity of the Insurance Policy;
Family – within the meaning of these Terms and Conditions
parents or guardians who are 19 to 70 years of age and Accident – future, sudden, violent, uncertain bodily injury
children born in or out of wedlock, adopted children or occurring regardless of the will of the Insured, and/or an
children in foster care until they turn 18 years of age; insured event preventing the Insured from continuing the
planned trip;
Assistance Company (Help Centre) – contractual partner
to the Insurer representing the Insurer’s interests abroad and Repatriation – means transport of the Insured to his/
organising assistance in case of insured event occurrence; her country of residence (Montenegro) during or after the
treatment, or the transport of mortal remains of the Insured
Authorised doctor – any person holding a degree from a to his/her country of residence;
recognised medical university, licensed and authorised to
practice medicine in accordance with the legislation in force Emergency – serious illness or injury which, without
in the country of destination of the Insured; doctor’s assistance – medical intervention, endangers the
life of the Insured, and/or may result in permanently and
Illness / Acute illness – according to the generally substantially damaged health of the Insured;
accepted position of medical science, an unhealthy physical
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Indemnity – amount payable by the Insurer under the accordance with Article 10 of these Terms and Conditions.
contract, in case of occurrence of the insured event covered
by this insurance; ■ legal assistance services in accordance with Article 11 of
these Terms and Conditions.
Medically justified treatment – medical treatment,
medical service, medical material or a medicine, if:
Within the meaning of these Terms and Conditions, it may
–– it is appropriate and necessary for the diagnosis or be agreed that the following types of insurance coverage are
treatment of an illness or injury, in accordance with these provided by the Insurer, accompanied by assistance services
Terms and Conditions, in terms of providing information to clients and recording
insured event by the Help Centre:
–– does not exceed, in its scope, duration or intensity, the ■ Insurance in case of withdrawal from travel contract
level of protection necessary for the provision of a safe, ■ Insurance against consequences of an accident
adequate and appropriate treatment,
■ Third party liability insurance
–– it is prescribed by the authorised doctor, ■ Insurance against destruction or theft of items
–– was incurred during the term of the insurance policy;
Concluding insurance contracts
–– it is in conformity with generally accepted professional
standards of medical practice in the country of residence of Article 3.
the Insured,

–– it is primarily intended for purposes other than personal Insurance contracts must be concluded before the beginning
comfort or comfort of the patient, family, doctor or other of an international travel. If otherwise, insurance contracts
protection service provider, are considered null and void.

–– it is not a part of education or professional training of the By way of derogation from paragraph 1 of this Article, it is
patient, nor is connected with such education or training; possible to conclude an insurance contract under Article 4
paragraph 8.
–– it is not experimental or in the stage of research
Insurance contracts are considered concluded in accordance
Deductible – part of the claim payable by the Insured under with the present Terms and Conditions, where insurance
the insurance contract. policy has been issued and insurance premium has been
paid.

II GENERAL PROVISIONS An insurance contract may be concluded to include

provisions on deductibles payable by the Insured.
Scope of insurance
Where an insurance policy covers more than one person, each
Article 2. person has the capacity of the Insured if the corresponding
premium has been paid for such person and if such person
These Terms and Conditions may regulate the insurance of is included in the list constituting an integral part of the
persons (individually) or a group of persons during their stay insurance contract.
abroad.
When entering into insurance contract, the Policyholder
Within the meaning of these Terms and Conditions, in the undertakes to declare the purpose of travel and pay increased
event of occurrence of the insured event abroad, the Insurer premium in the following cases:
will indemnify the Insured against the incurred costs, and/or
provide the agreed assistance services through the assistance • Performance of professional activities and duties abroad,
company having entered into business cooperation organised or paid by a foreign employer, in which case the
agreement with the Insurer. Insurer considers such stay to be temporary employment
abroad. Administrative activities (office activities) are not
The amount of indemnity and the scope of service referred to considered temporary employment within this meaning and
in the previous paragraph of this Article may not exceed the the Policyholder is under no obligation to pay additional
maximum agreed sum insured within the agreed insurance premium in such cases;
period.
• Professional operation of aircrafts, trains, ships, trucks,
Within the meaning of these Terms and Conditions, the buses and other motor vehicles.
insurance coverage provided by the Insurer, and/or the
coverage of costs incurred within the agreed insurance • Consequence of the COVID-19 pandemic caused by the
period, inclusive of assistance services, are the following: SARS-CoV-2 virus.

• medical assistance services in case of sudden illness of the Liability of the Insurer and/or Help Centre is excluded in case
Insured or of occurrence of consequences of an accident of accident during the performance of the activities above if
during the Insured’s stay abroad, as well as urgent medical the additional premium has not been paid.
evacuation services, and/or repatriation of the Insured to the
country of residence, in accordance with Article 9 of these
Terms and Conditions.

• travel assistance services in case of loss or delay of luggage,

loss or theft of documents, and/or travel accident in

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 Duration of insurance contracts The extension of insurance period covers only losses occurring
within the period of the new insurance policy, excluding the
Article 4. losses or consequences of insured events which occurred
during the insurance period under the previous policy and
Insurance contracts are concluded for a definite period of compensation for the losses occurring under the previous
time. policy that the Insured was not aware of at the moment of
filing such notice.
The maximum duration of contracts may be 365 days,
except in the case of insurance for tourist and business travel Where a claim has been filed or settled for an insured event
(business multi), where the period covered by the contract under the current policy after the delivery of the insurance
may not exceed 730 days, and insurance coverage is limited extension notice, the Insurer retains the right not to extend
to the maximum of 180 days. such insurance contract.

For persons over 71 years of age, the total period of insurance The extension of the insurance period covers only claims
coverage is limited to 30 days within 12 months, regardless incurred during the insurance period of the new policy,
of the number of concluded policies within12months. excluding claims or consequences of insured events that
occurred during the insurance period of the previous policy.
During the insurance period, the Insured may make one or This extension of the insurance period covers only damages
more trips abroad, depending on whether the contracted incurred during the insurance period of the new policy,
stay is continuous (by returning to Montenegro, the excluding insured cases or consequences of insured events
insurance ceases to be valid) or multivisa (provided for more incurred during the insurance period of the previous policy
trips during the insurance period), which the total period and payment of compensation for damages incurred under
of insurance coverage is determined by the number of days the previous policy, for which the Insured had no knowledge
and is agreed by the policy. at the time of submitting the request.

If multi-entry insurance (multivisa) is contracted, the Insured Insurer’s liability is also excluded where the extension of stay
may deplete the insurance coverage by staying abroad abroad is contrary to the laws governing the stay of foreign
several times (multiple entries), up to a maximum of the nationals in the territory of the country concerned.
agreed number of days of stay abroad
Where the insurance terms and conditions have changed
Insurance coverage begins on the day indicated in the during the insurance contract period, the new terms and
policy as the commencement of insurance, provided that the conditions apply to the extension of such insurance contract,
premium, or the first premium instalment, has been paid by i.e. the conditions that are valid at the time of issuance /
such date, but not before crossing the border of Montenegro renewal of the policy apply.
on the way abroad. Where an insured event occurs before
the commencement of insurance within the meaning of Territorial scope of insurance contract
these Terms and Conditions, the Insurer holds no obligation
to provide compensation for the incurred costs. Article 5.

In case of risk of withdrawal from a tourist travel contract, Territorial coverage is defined by the policy and can cover
Insurer’s liability begins upon expiry of 24 hours of the the whole world, except the territory of Montenegro.
day indicated in the policy as the commencement date if
the insurance premium has been paid; while in the case Coverage for foreign citizens and domestic citizens with
of accident insurance, third party liability insurance and dual or more citizenships is excluded when during the trip
destruction or theft insurance, it begins at the moment of they pass or stay in the country whose citizenship they have,
crossing the border of Montenegro. unless their foreign travel document states the address of
residence in Montenegro, ie. they do not have residence
Insurance and assistance service provision ceases upon in the country of which they are nationals. The Insured is
expiry of 24 hours of the day indicated in the policy as the obliged to submit data on residence at the request of the
insurance expiry date, and/or upon completion of the stay Insurer. If the insured event is in progress or the organization
abroad or of transportation of the Insured to his/her country of medical or assistant services is in progress, the Insured has
of residence in accordance with Article 9 paragraph 1 item the obligation to subsequently submit the required evidence
2 of these Terms and Conditions, whichever occurs earlier. to the Insurer, upon his request. If the Insured does not
Stay abroad is considered to have been completed at the submit proof, he has the obligation to pay, ie to bear the
moment of crossing the border and entering Montenegro by costs.
the Insured. By way of derogation, if an illness that affected
the Insured while staying abroad requires longer treatment The Insured
exceeding the insurance expiry date indicated in the policy,
the Insurer’s liability will be prolonged to cover such period, Article 6.
but not to exceed four weeks from the insurance expiry date,
provided that transportation to the country of residence was Within the meaning of these Terms and Conditions, the
impossible. Insured is a person with the citizenship of Montenegro or
other country, having residence and/or holding temporary
The policyholder may request an extension of the insurance or permanent residence permit in Montenegro.
coverage period agreed by the valid policy only if before
the expiration of the policy, which was agreed for a period
of insurance shorter than 183 days, notifies the insurer in The Insured may be a person of such health condition
writing that he wants to extend his stay abroad and to extend making him/her capable of travelling and/or a person who
the insurance period to maximum 183 days, but under the did not start travelling despite doctor’s opinion prohibiting
condition that at the time of submitting the request for such travel.
extension of the insurance period to the insurer, the insured
event did not occur or was not occurring or it was not certain
that it would occur, or that the possibility for it did not cease.
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Where insurance contracts cover persons over 86 years of age, Upon occurrence of an insured event, the Insurer will
the Policyholder pays additional premium, in accordance indemnify against urgent, reasonable and usual costs
with the Insurance Premium Tariff. In case of occurrence of incurred in relation to the treatment of the Insured during
insured event involving persons older than 86, where such his/her travel abroad, up to the sum insured indicated in the
increased premium is unpaid, the insurance indemnity is Policy.
decreased pro rata with the paid premium and the premium
payable in accordance with the actual age of the Insured. Reasonable and usual costs are considered to be the medical
treatment costs which don’t exceed the general level of costs
in similar situations in the territory concerned for the same or
Where insurance coverage is provided to an organised group similar medical treatment, services or assistance provided to
of persons, the Policyholder supplies the Insurer with a list of persons of the same sex and similar age, for a similar illness
Insured Persons, which is attached to the policy and forms or injury.
its integral part.
The Help Centre will provide medical assistance services in
Insured perils accordance with the agreed insurance coverage level.

Article 7.
Article 9.

Within the meaning of these Terms and Conditions,

insurance covers the following risks: Within the meaning of these Terms and Conditions, health
insurance with assistance includes the following:
I Basic risks (depending on selected package):
1. Medical assistance services, if the Help Centre
1. travel health insurance and medical assistance, representative believes such services are needed and
approves them, which include the following:
2. rendering assistance services and compensation for
the costs incurred in case of occurrence of unforeseen • Medical referral;
circumstances during travel – travel assistance (return of
children left unaccompanied, assistance and loss payment in • Providing the Insured will all necessary information about
case of lost or stolen luggage, assistance and loss payment in urgent medical assistance, such as names, telephone
case of delayed flight, administrative assistance in case of lost numbers and addresses of doctors, dentists, hospitals,
or stolen documents, sending emergency messages, using medical centres, pharmacies, infirmaries in the vicinity of the
translator in case of emergency) Insured’s current location abroad.

3. rendering legal services • Doctor’s advice –advising the Insured on the steps to be
taken, excluding diagnosis.
II Additional risks:
• Monitoring and reporting on the Insured’s health condition
1. insurance against risk of withdrawal from travel contract, – monitoring the Insured’s health condition through a doctor
or the medical facility providing treatment to the Insured
2. accident insurance, and regularly informing the person in Montenegro indicated
by the Insured about his/her health condition.
3. third party liability insurance,
• Urgent delivery of medication –where in the place abroad
4. insurance against loss by theft or destruction of items. where the Insured is staying it is not possible to obtain
the medicine necessary and required in the opinion of the
Activities related to providing insurance protection under authorised doctor, the Help Centre will arrange for such
these Terms and Conditions are carried out in cooperation medicine to be sent to the Insured
with the assistance provision company having entered into or will determine, prescribe, obtain or send appropriate
business cooperation agreement with the Insurer. substitute which can be found locally. The costs of delivery
and the costs of such medicine will be borne by the Insurer.

BASIC PERILS • Visit to a sick child – Where the Insured is a person under
Travel health insurance and medical assistance 18 years of age, unaccompanied by his/her parents and in
critical condition, or who must stay at a hospital for more
Article 8. than three days, the Help Centre will arrange and the Insurer
will indemnify against the costs of round-trip economy train
ticket for the Insured’s parents or guardians, or, where the
An insured event is a sudden illness or deterioration of health Insured is in critical condition, the costs of economy plane
condition resulting from an accident during the Insured’s tickets, and the costs of up to five days of staying abroad
stay abroad, which occurs within the agreed period of (bed and breakfast), up to the agreed limit.
insurance.
■ Visit of a close person – where the doctor and assistance
An insured event starts with the beginning of a medical company believe the visit of a person close to the Insured
treatment and ends at the moment when the need for such is necessary, and the Insured is in critical condition or his/
treatment abroad no longer exists from the medical point her health condition is such that it requires hospitalisation
of view. An insured event includes the necessary transport lasting more than 15 days, the Help Centre will arrange
to the country of residence (repatriation) for the purpose of and the Insurer will indemnify against the costs of round-
necessary medical treatment. trip economy train ticket, or, where the Insured is in critical
condition, the costs of economy plane tickets, and hotel
accommodation (bed and breakfast) lasting up to five days
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for the visit of indicated close person , up to the agreed • In the case of contracting insurance coverage for insured
limit. events resulting from the COVID-19 pandemic, caused by
the SARS-CoV-2 virus, in accordance with Article 3, with the
2. Medical evacuation and repatriation costs (up to the payment of an additional insurance premium, the following
maximum agreed Insurer’s liability), where necessary in the are covered:
opinion of the authorised doctor considering the Insured’s • the cost of necessary medical examinations by an
health condition, as follows: authorized doctor and the cost of testing in case of
symptoms of infection for emergency medical care and
• transport of the Insured to the nearest doctor or hospital diagnosis of infection caused by the SARS-CoV-2 virus.
by ambulance, taxi or other means of transportation, if • costs of procuring medicines in outpatient treatment in
medically justified and allowed. case of a confirmed infection
■transport to and accommodation of the Insured in a • hospital treatment costs in accordance with the Terms.
specialised hospital or a hospital more convenient for the • repatriation costs (according to the chosen package).
treatment of the health condition at risk.

• repatriation, and/or organisation and coverage of Travel assistance

additional costs of medically necessary and prescribed
transport from abroad to the Insured’s place of residence Article10.
or the nearest hospital, where it is not possible to ensure
appropriate medical treatment of the Insured outside his/
her country of residence, or when it would result in putting Where agreed prior to travel abroad, the Insurer and/or
his/her health at risk. Apart from that, additional costs will Help Centre will also provide the following travel assistance
be indemnified against for a person to accompany the services:
Insured on such trip, if medically determined or officially
necessary. • Pre-departure information about the following:

• repatriation, transport to the country of residence upon 1. Visas and administrative formalities to be completed for
completion of treatment, arranging and covering the costs persons and vehicles prior to and during travel,
of return of the Insured to the country of residence upon
completion of the treatment to the place of residence in 2. Mandatory and recommended vaccination,
Montenegro, as a regular passenger, if the round-trip ticket
in possession of the Insured is no longer valid; 3. Hygienic and medical precautions specific to the country
the Insured intends to visit,
• repatriation, and/or arranging and covering the costs of
transport of the Insured’s mortal remains to the country 4. Addresses of foreign consular offices and tourist
of residence, or additional costs of funeral in the place of information centres in the European Union,
death abroad, excluding funeral in the country of residence
within the limits defined in the Package Coverage Table. 5. Customs regulations and fees,
■The Help Centre will immediately and as soon as feasible
considering the Insured’s health condition, repatriate the 6. Weather and appropriate clothing,
Insured to the country of residence. In case of repatriation of
mortal remains, the most rational means of transportation 7. National holidays, time zones
in terms of costs will be allowed.
8. Travel conditions: means of transport (air, maritime,
3. Payment of treatment costs, as follows: road), routes.

• treatment in infirmaries (outpatient treatment) • Return of children who are left unaccompanied.

• medication and bandages prescribed by the authorised When, upon occurrence of insured event, the Insured is no
doctor longer able to take care of his/her children under 15 years
of age who were travelling with him/her, the Help Centre
• medical aids and walking aids only if such aids are a will arrange and pay and the Insurer will indemnify against
necessary part of the treatment (for treatment of injuries) the costs of return of the children having travelled with the
for extremity fractures and injuries, prescribed by the Insured, provided that the travel ticket in the possession
authorised doctor. of children can no longer be used. Where necessary, the
Help Centre will provide and pay economy air tickets for
• X-ray diagnosis (x-ray and ultrasound) the children and the person escorting them.

• hospital treatment (hospitalisation) in an institution • Assistance and payment of loss in case of lost or stolen
generally considered a hospital in the foreign country luggage
concerned, where the Insured is under constant medical
supervision, which has sufficient diagnostic and therapy Where agreed, insurance covers the damage resulting from
equipment and limits its services to methods recognised loss or theft of luggage during air travel.
by science and clinically tested in such country. In case of
occurrence of insured event, a hospital in the place where The Insured is obliged to report lost or stolen luggage to the
the Insured is staying or the closest specialist hospital will airline company and/or authorised airport personnel and
be used. the police.

• surgery and surgery-related costs The Insured is also obliged to report lost or stolen luggage
to the Help Centre immediately and not longer than 5 days
• Dental treatment but only in case of acute dental pain (for from the loss/theft. The Help Centre authorised person will
up to two teeth), within the limits defined in the Package provide assistance (help finding or re-routing the luggage)
Insurance Table.
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and inform the Insured about the luggage delivery • document issued by the airline company or the airport
procedure and instruct the Insured on how to report such confirming the flight delay,
loss to the Insurer. • original receipts

When reporting the loss, the Insured is obliged to supply • any other documents required by the Insurer to establish
the Insurer with the following documents: the right of indemnity

• specification of the items in the luggage with an • Administrative assistance in case of loss or theft of travel
approximate date of the purchase and an approximate documents. Where during travel outside Montenegro
value of such items, important travel documents such as passport, visa, plane
ticket, get stolen or lost, the Help Centre will supply the
• copy of passport and/or personal ID card Insured with necessary information and assist with the
formalities before appropriate local authorities and provide
• air ticket as a proof of completed travel translation services in order to obtain the substitute for lost
or stolen documents.
• a document issued by the police specifying the type of
criminal offence and a statement about the theft of luggage • Sending emergency messages
given to the police, containing clear explanation of the
circumstances of such theft If there is a reasonable need, the Insured may through the
Help Centre and at any time within 24 hours send or receive
•a document issued by the airline company or the airport a free-of-charge emergency message related to the insured
confirming the loss of luggage and containing a clear event.
explanation of the circumstance of such loss.
• Arranging translation services

3 In cases of emergency, when communication is impeded, the

Help Centre will provide interpretation (communication)
• any other documents required by the Insurer to determine assistance by telephone by interpreting from English,
entitlement to indemnity. French and German to Montenegrin language.

The Insurer will pay for the loss resulting from lost or stolen Where it is required to translate documents or interpret
luggage an amount approximate to the luggage items value during communication with representatives of the national
up to the Insurer’s liability limit specified in the Package authorities of the country where the Insured is staying, the
Coverage Table. Help Centre will provide interpreter’s services which will be
paid by the Insured.
When making the insurance indemnity payments, lost or
stolen items are valued in a way that takes into account the Legal assistance
wear and tear at the moment of occurrence of the insured
event– loss, theft. Article 11.
Upon expiry of the period of 30 days from the moment
of reporting the loss, the Insured is obliged to supply the
Insurer with a document issued by the airline company The Help Centre provides the following legal assistance
and/or the airport, confirming that the luggage has not services if such coverage is specified by the Policy:
been found within such period.
■Legal assistance
Where the Insured fails to comply with the previous
paragraph of this Article, the Insurer is relieved from the Where as a result of an accident while travelling outside
liability to provide indemnification. the country of residence the Insured needs necessary legal
■Assistance and compensation for the costs resulting from protection, the Help Centre will inform the Insured about
delayed flights. If agreed, insurance covers necessary costs the telephone number and address of an attorney who is
and expenses (accommodation, purchase of necessary in the vicinity of the Insured’s current place of stay abroad,
items, telephone and other costs) incurred by the Insured but any type of liability for the outcome of the procedure
because of the scheduled flight delay of more than 4 hours will be excluded. The costs of the attorney’s fee are borne
or because of missed flight connection due to flight delay. by the Insured.
The Insurer undertakes to bear these costs in accordance
with the limits defined in the Package Coverage Table. The ADDITIONAL RISKS
Insured undertakes to provide a flight delay confirmation
issued by the airline company and/or the airport authorised Article 12.
person.
The Insured is obliged to contact the Help Centre
immediately and not later than 5 (five) days from the Additional perils may be covered only by contracts with
moment of occurrence of the insured event, in order to tourist agencies to insure all those whose travel is arranged
obtain the necessary information and instructions on how by the Policyholder.
to report such loss to the Insurer.
The Insured undertakes to support his/her filled-in
claim form supplied to the Insurer with all the necessary INSURANCE AGAINST WITHDRAWAL FROM
documents, as follows: ORGANISED TOURIST TRAVEL CONTRACT

• copy of passport or personal ID card Article 13.

• plane ticket as a proof of completed travel This insurance covers the loss suffered by the Insured when
withdrawing from a tourist travel contract.

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 • unpostponable summons, invitations requiring mandatory
An insured event occurs when the Insured no longer participation in military exercise and similar, that the
intends to travel because of an event that occurred between Insured is obliged to supply to the Insurer when reporting
the moment of entering into contract (insurance premium the loss.
payment) and the beginning of travel, within time limits
defined by paragraph 8. of this Article, or when the Insured The Insurer is under no obligation to pay the indemnity
ends his/her travel in the first half of the travel period. in case of failure to obtain visa for travel to the desired
destination, cancellation of travel arrangement by the
The insurance indemnity will be paid by the Insurer with tourist agency or loss of travel documents.
the participation of the insured in any loss in accordance
with the insurance contract, unless otherwise agreed. The sum insured is the maximum liability of the Insurer in
case of abandoning tourist insurance and represents the
The obligation of the Insurer, in terms of paragraph 8 of this price of tourist arrangement defined by the Travel Contract.
Article, is to pay the fee for cancellation of the arrangement
only for the Insured, in case of cancellation of the travel In case of justified travel abandonment, the Insurer
arrangement, who was unable to travel for reasons defined compensates for the amount of actual costs payable by the
in paragraph 5 of this Article. Insured to the organiser of such tourist travel in accordance
with the usual tourist agency practice, but up to the
It will be considered that the insured event of cancellation following:
of the trip occurred only if the cause occurred unexpectedly
and could not be eliminated and which is an objectively –– 0% for all cancellations made more than 44 days before
justified reason to cancel the trip in the following cases: the beginning of travel.

• death of the Insured or death of a member of the Insured's –– 10% if the cancellation is made 44 to 30 days before the
immediate family, which means: spouse, children, parents beginning of travel
or guardians regardless of the place of residence, as well –– 20% if the cancellation is made 29 to 20 days before the
as other persons who have the same place of residence beginning of travel
with the Insured, ie registered residence address. When –– 40% if the cancellation is made 19 to 15 days before the
reporting the insured case, the Insurance Beneficiary / beginning of travel
Insured is obliged to submit a Death Certificate and proof –– 80% if the cancellation is made 14 to 10 days before the
of kinship. beginning of travel

• Accident, hospital treatment or illness suffered by the 4

Insured, or a member of his immediate family, which
means: spouse, children, parents or guardians regardless –– 90% if the cancellation is made 9 to 6 days before the
of place of residence, as well as other persons who have beginning of travel
the same place of residence with the Insured, ie registered
residential address. –– 100% if the cancellation is made 5 to 0 days before the
beginning of travel
The illness or accident of the Insured due to which his/her
health condition is damaged, must be of such intensity that The Insured or his/her family member undertakes to notify
it causes physical disability of the Insured preventing him/ the Help Centre within 24 hours from the occurrence of the
her to travel. insured event from this Article, to ensure the recording of
such insured event and obtain information and instruction
Travel must be prohibited by a doctor. When reporting such on how to report the loss to the Insurer.
insured event, the Insured is obliged to supply complete
medical documentation (doctor’s reports prohibiting Together with the loss report certified by the tourist
travel, laboratory analyses) agency, the Insurer is also obliged to supply the Insurer
with complete medical documentation (doctor’s reports
• When a natural disaster is officially declared in the place prohibiting travel, laboratory analyses) as well as the
of residence; following:

• If the Insured’s property is damaged or destroyed due in 1. Travel contract (including the place and period of travel,
fire or as a consequence of a natural disaster (storm, hail, names of travellers and the price of travel arrangement)
flood and torrent). The damage must be of such nature that
it requires long lasting recovery activities; 2. Original receipt of payment of the travel arrangement

• Traffic accident on the way to the point of departure 3. Written notice issued by the Travel Organiser to the
that the Insured is directly involved in. When reporting Insured confirming the travel abandonment,
such insured event, the Insured is obliged to supply the
police report which leads to unambiguous conclusion that 4. Document issued by the Travel Organiser (tourist
the traffic accident occurred on the way to the point of agency) confirming the amount of actual and/or incurred
departure; costs borne by the Travel Organiser,

• In case of termination of the employment contract based 5. List of persons having abandoned the arrangement
on the decision of the employer which is not caused by
the intentional action of the employee. Termination of 6. Copy of passport
the employment contract by the employee as well as the
agreed termination of the employment contract are not 7. Copy of the Insured’s account card
considered termination of the employment contract by
these conditions;

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In case of suspicion about the level of actual costs indicated Liability for the following is excluded from the insurance
in the confirmation of the Travel Organiser, the Insurer coverage:
retains the right to request other documents validating –– intentionally caused loss
such costs. –– loss arising from the possession and use of motor vehicles,
boats and aircrafts
ACCIDENT INSURANCE
–– loss resulting from the performance of professional duties
Article 14. –– pure property losses

Insurer undertakes to pay the following:

An accident is considered to be any sudden event
independent of the Insured's will, which, acting externally –– for damage and/or destruction of items: up to 10
and abruptly on the Insured's body, results in his or her amounts of the price of a daily arrangement for the Insured,
death or permanent loss of working capacity (disability) up to EUR 600.00.
that requires medical assistance.
–– for death, bodily injury or damaged health of a third
Insurance does not cover accidents resulting from person: up to 25 amounts of the price of a daily arrangement
participating in dangerous sports: alpinism, spear fishing, for the Insured, up to EUR 1,500.00.
operating an aircraft, hunting, acrobatics, diving, sport
flying, flying in kites, balloons and gliders, paragliding, In addition to reporting the damage, the Insured is obliged
speleology, mountaineering, handling fireworks and to submit the following documentation to the Insurer:
explosions, parachuting, ski jumping, carting, water
skiing, riding buggies, water scooters, street boarding, 1. Travel contract (contains the place and period of travel,
roller skating acrobatics, bobsled riding, rafting, acrobatic persons traveling and the price of the arrangement),
skiing, bungee jumping, auto-moto sports, skiing and 2. Original receipt of payment of the arrangement, or proof
snowboarding. of payment of the arrangement,
3. Police record or certified certificate of the police authority
Persons in the capacity of a traveller are insured against with the statement of the Insured about the event, which
consequences of an accident regardless of their age and resulted in damage or destruction of property, or death,
health condition, save for persons suffering from a mental injury to the body or health of a third party,
illness. 4. All possible invoices (originals) for the costs incurred in
Insurance does not cover the persons travelling in their the occurrence of the insured event, which were held by a
professional capacity (e.g. organisers, guides, drivers etc.). third party, and which were paid by the Insured,
The Insurer undertakes to pay the following: 5. Copy of passport
6. Copy of the account card of the User (Injured party).
–– in case of death: 25 amounts of the price of a daily 7. All other documents required to determine the right to
arrangement for the Insured, up to EUR 1,500.00. compensation, required by the Insurer.

– The Insured or his/her family member undertakes to notify

in case of complete disability: 50 amounts of the price of a the Help Centre within 24 hours from the occurrence of the
daily arrangement for the Insured, up to EUR 3,000.00. insured event from this Article, to obtain information and
instruction on how to report the loss to the Insurer.
Insured person is obliged to support the loss report supplied
to the Insurer with the following documents:
INSURANCE OF ITEMS
1. Travel contract (including the place and period of travel,
names of travellers and the price of travel arrangement) Article 16.

2. Complete medical documentation, translated into

Montenegrin or English language The subject matter of insurance includes items of travellers
serving solely for their personal use. Jewellery, items of
3. Copy of passport value and money are insured against damage, destruction,
theft and robbery only if sent for safekeeping and placed in
4. Copy of the Insured’ account card a locked cash box.
Insured person or his/her family member undertakes to
notify the Help Centre within 24 hours from the occurrence Other items are insured against:
of the insured event from this Article, to obtain information
and instruction on how to report the loss to the Insurer. –– risk of robbery,

–– risk of damage or destruction while being kept by the

THIRD PARTY LIABILITY INSURANCE transportation provider, hotel etc. or while in facilities
appropriate for keeping such items (e.g. transportation
Article15. vehicle, overnight room etc.),

–– risk of theft, if the facilities in which the items were kept

This insurance covers the Insured’s liability for a loss caused were locked and there are signs of lock tampering, or there
by an event resulting in damaged or destroyed items or was a person constantly guarding the place (coat checkers
death, bodily injury or damaged health of a third person etc.).
during the use of the tourist arrangement. The insurance
covers the liability of the insured for damages caused as a –– Insurance coverage does not cover the losses:
private person during an organized tourist trip, ie. outside
of performing an occupation or craft. –– caused by the Insured’s fault

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–– which occur as a result of theft of items being placed • as a result of a natural disaster, natural disaster and declared
in facilities accessible to anyone when the items were not epidemic or pandemic, except for epidemics and cases of
handed over to attended coat checks. illness or death resulting from the COVID-19 pandemic,
caused by the SARS-CoV-2 virus, if insurance coverage is
The Insurer undertakes to pay the amount of actual loss contracted in accordance with Article 3;
on the day of occurrence of the insured event, up to 10 Coverage of the costs resulting from the COVID-19 pandemic,
amounts of the price of a daily arrangement for the Insured, caused by the SARS-CoV-2 virus, is covered up to a maximum
but not to exceed EUR 600.00. of EUR 5,000.

The Insured or his/her family member undertakes to notify • as a consequence of war, invasion, hostilities, terrorist acts,
the Help Centre within 24 hours from the occurrence of the civil war, act of sabotage, terrorism or vandalism, rebellion,
insured event from this Article, to obtain information and revolution, uprising, military or other type of usurpation of
instruction on how to report the loss to the Insurer. power as well as active participation of the Insured in unrest
or rebellion of any type.
EXCLUSIONS AND LIMITATION OF INSURER’S
LIABILITY • as a consequence of ionising radiation or contamination
by radioactivity from other radioactive waste resulted from
General exclusions and limitations burning nuclear fuels, i.e. radioactive, poisonous, explosive
or other hazardous characteristics of an explosive nuclear
Article 17. assembly and its components.

The Insurer's liability for an insured event that arose before • as a non-property loss.
the start of insurance coverage is excluded.
• as a cost which would be paid even if the insured event did
The Insurer and/or assistance company undertake no not take place – restaurant bills, excess baggage fees during
liability if an insured event has occurred: repatriation on a commercial air flight, customs fees.

• Liability of the Insurer and/or Assistance Company is

■ when the Insured was aware of the possibility of occurrence excluded where the Insured has another insurance policy
of insured event or could have predicted such occurrence. covering the same insured event, save for indemnities not
provided under such other policy.
■ outside the territorial scope of the insurance contract or
before the commencement of the insurance and/or after the • Liability of the Insurer is excluded where the indemnity
expiry of the insurance period or upon return to the country provided for an insured event is paid in some other way
of residence. (bilateral agreement, motor third party liability insurance)

■ as a result of an intentional act of the Insured, suicide • in the course of a trip reserved or made contrary to doctor’s
and attempted suicide or a mental illness – insanity of the advice,
Insured, intentionally self-inflicted injuries, self-treatment
for alcoholism, drug addiction and the use of narcotics – • during a trip specifically organised for the purpose of
hallucinogens, as well as conditions influenced by alcohol medical treatment.
or narcotics. The Insured is considered to be in a state of
alcohol intoxication under the influence of alcohol or • Preventive testing for Corona virus (SARS-CoV-2) and the
narcotics if after the occurrence of the insured event his/her cost of staying in quarantine isolation, if insurance coverage
blood alcohol content has been determined to exceed 0,3 is contracted for insured cases of SARS-CoV-2 virus infection
promille, and/or if traces of narcotics have been found. in accordance with Article 3.

■ due to the Insured’s participation in risky and dangerous Special exclusions and limitations related to health
activities or sports, such as hunting, acrobatics, diving, insurance and assistance
sport flying, flying in kites, balloons or gliders, paragliding,
speleology, mountaineering, alpinism, handling fireworks Article 18.
and explosives, parachuting, ski jumping, carting, water
skiing, riding buggies, water scooters, street boarding, roller
acrobatics, bob sliding, rafting, acrobatic skiing, bungee Liability of the Insurer and/or Assistance Company providing
jumping, auto-moto sports and due to skiing outside health assistance services is excluded when costs are incurred
marked ski trails. as a result of the following:

Recreational skiing (skiing and snowboarding) is covered • illness or injury of any type requiring no termination of the
up to EUR 5,000. Insured’s international travel or stay, or where a medical
treatment /surgical intervention may be postponed until the
• as a result of involvement in a criminal offence planned return of the Insured to the country of residence.

• as a consequence of the Insured's handling of weapons of • Treatment of all malignant diseases, AIDS, venereal diseases,
any kind multiple sclerosis, all types of hepatitis, rheumatic diseases,
as well as the costs of treatment of final stages of all chronic
5 diseases

• as a result of an accident caused by riding a motorcycle • Voluntary abortion

without protective equipment (helmet) or due to driving
without an international driver's license of a certain category • Accident caused by a disease, such as epilepsy or malaria
in countries where it is mandatory or without a valid driver's
license in accordance with the regulations of the country
where the damage occurred
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• Removal or transplantation of organs, tissues or cells etc. The provisions of the present paragraph also apply to the
consequences of an accident.
• Medical examination and treatment, routine/control
checkups, medical diagnostic methods, medical research
or treatment not related to the occurrence of the insured Insurance coverage exclusions for loss or theft of
event, as well as immunisation, application of contraceptive luggage or flight delay
methods and medication of any type.
Article 19.
• Experimental medical methods or methods used for research
purposes, which are not covered by the social protection, as
well as aesthetic and corrective treatments and surgeries, The Insurer is under no obligation to pay the insurance
indemnity in the following cases:
• Thermal treatment, and/or the costs of preventive
medication, recovery in spas and health centres, sanatoriums, • for loss or damage of the luggage contents resulting from:
rehabilitation centres or
other similar institutions, physiotherapy and acupuncture, as –– moths, bugs, wear and tear, sudden changes of
well as the costs of psychiatric treatment and treatment of atmospheric or weather conditions or gradual deterioration/
mental illnesses and their consequences. decrease in quality;
–– due to mechanical or electric breakdown;
• Procurement, repair and use of eyeglasses, contact lenses,
and prosthetic devices of any type. –– due to cleaning, repair, renewal

• Dental treatment requiring no urgent intervention, • indemnity exceeding reasonable proportion of the total
definitive dental treatment, jaw orthopaedics (except in case value of a kit /set and the value of the lost or damaged item
of accident), orthodontia, periodontal treatment, calculus belonging to such kit /set;
removal, root canal treatment, crown treatment, making
dental prosthesis and bridges and reparation. • for loss reported to neither the police nor the airline
company, and for which no written confirmation has been
• Medical treatment of the Insured provided by his/her obtained about the filed complaint /report in respective
spouse, parent or child. cases;

• Vaccination • for loss resulting from confiscation by the customs or other

authority;
• Staying in hospital from the day on which the Assistance
Company would be able and entitled to repatriate the • in case of loss or damage of contact, corneal or micro-
Insured. corneal lenses;

• Accommodation in a single or private hospital room, except • in case of loss of personal items which were borrowed
where the Assistance Company or the Insurer believes it is leased or rented by the Insured;
necessary.
• devaluation of currency or shortages due to errors or
• Own arrangement for repatriation, without prior approval omissions in monetary transactions;
of the Insurer and/or the Assistance Company.
• payment within the first 4 hours of flight delay;
• Refusal of the Insured to follow the instructions received
from the Assistance Company/Insurer, or refusal of the • in case of delay for failure of the Insured to provide the
date, type and method of repatriation determined by the documentation necessary to travel;
Assistance Company after consultations with the doctor/
medical institution providing treatment to the Insured • in case of delay for failure of the Insured to plan for
abroad. reasonable time needed to reach the point of departure in
accordance with the terms of the travel known at the time;
• The Insurer will cover no additional costs incurred in
relation to the transport of the Insured within the country of • in case of flight delay or cancellation related to the measures
residence, and such costs will be borne by the Insured. of state authorities or ordered by state authorities;

• Liability of the Insurer is excluded for an insured event • in case of inability of the transportation provider to perform
occurring before the commencement of insurance coverage. its contractual duties due to force majeure.
Within the meaning of these Terms and Conditions,
• Sunburns of persons older than 15. «force majeure«, is considered to be any event that the
transportation entity could not have predicted or prevented,
In case of chronic diseases, congenital disorders, and even if exercising due diligence. Such events may include
consequences of such diseases which existed or were known war or threat of war, riot, civil unrest, current or imminent
about at the time of entering into insurance contract and/ terrorist action, natural or nuclear disaster, poor weather
or commencement of insurance, even if these were not conditions, fire or similar events beyond control of the
treated or for the illnesses treated in a hospital over the transportation entity.
last six months before the commencement of insurance,
inclusive of their consequences, as well as for pregnancy
and childbirth, liability of the Insurer and/or Assistance
Company is excluded, except if the provision of medical
assistance includes unforeseen emergency measures to save
the life of the Insured or of a child, and/or relieve acute pain.

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 Reporting insured event In case of medical transport or repatriation, the Insured is
obliged to agree with the date and method of transportation
Article 20. determined by the Help Centre and the authorised doctor.
Emergency medical air transportation (by plane or helicopter)
may be carried out only when it is necessary and medically
In case of assistance needed, the Insured is obliged to report justified.
an insured event once such event occurs or is likely to occur.
The Help Centre and/or the Insurer has the right to request
Within the meaning of these Terms and Conditions, the from the Insured to provide information about all facts and
report of an insured event means that the Insured carries out hand over all documents that the Assistance Company or
the following: the Insurer finds important for the purpose of verifying the
insured event report and fulfilling own obligations in respect
• immediately calls the Help Centre using the telephone of the Insured, including a proof of actual beginning of the
number indicated in the insurance policy or some other travel abroad.
document,
Upon request, the Insured must provide the Assistance
• identify himself/herself by providing basic personal data Company or the Insurer with an authorisation needed
(name and surname, passport number, policy number etc.), to collect all relevant facts from third persons (doctors,
pharmacists or other medical representatives or medical
• provide his/her contact telephone number and street institutions of any type, transportation provider of the
address abroad, Insured, health or pension institutions). By agreeing with
these Terms and Conditions, the Insured relieves doctors
• give brief description of the type and manner of occurrence and medical staff having examined him/her before and
of the insured event. after the occurrence of insured event of their professional
duty of confidentiality. By signing the Insurance Policy the
Where impossible to make urgent telephone call before Insured allows the hospital or medical institution providing
consulting a doctor o going to the hospital, the Insured needs treatment or care to disclose all necessary information related
to show his/her insurance policy to the doctor or hospital to his/her health condition or treatment. Refusal to allow
staff, who, as a rule, report the insured event by calling the such disclosure gives rise to the loss of rights of the Insured
Help Centre. provided under this insurance.
In any event, where hospital treatment (hospitalisation)
is needed because of a sudden disease or accident, the The Insurer and/or Assistance Company is under no
report needs to be made within 48 hours from the moment obligation to make indemnity payment of any kind in case of
of occurrence of the insured event and not later than the failure to comply with any of the paragraphs above.
moment of leaving the hospital having provided treatment,
and the Assistance Company needs to be provided with The Insurer and/or Help Centre may refuse to provide
the name and address of the hospital, name of the doctor assistance and/or indemnity in the following cases:
providing treatment and appropriate telephone numbers.
The report made within the shortest possible time by the - failure of the Insured to comply with his/her obligations
close person, police, judicial body, hospital or anyone who from the contract,
has helped the Insured is equally valid as one made by the
Insured. - failure of the Insured to follow the instructions received by
the Assistance Company,
Duties of the Insured after reporting an insured
event - false statement of the Insured which served as the basis of
the Policy or was given in the process of reporting a loss,
Article 21.
- in case of giving an untrue statement or fraudulent
concealment of facts etc.
Following the report of an insured event, the Help Centre
gives its consent and sends instructions on how to complete If the costs arising from the occurrence of insured event are
the procedure for providing medical treatment or assistance below the maximum limits specified in the Insurance Policy,
services. the Insured is not entitled to collect the difference between
the two amounts.
The Insured is obliged to allow the Help Centre or its
representative to access their medical documentation and Direct compensation for the costs provided to doctors
consultations with the authorised doctor providing treatment or medical institutions
to the Insured, or the performing of additional medical
examinations, so that they are able to assess the medical Article 22.
condition of the Insured.

The Insured must do his/her best to reduce all costs and incur As a rule, doctors or medical institutions are directly
only those that are actually needed and necessary. compensated for the costs arising from medical treatments of
the Insured by the Assistance Company.
The Insured must inform the Insurer or the Assistance
Company of another insurance policy covering the same risk. To exercise the right of direct compensation of a doctor or
medical institution for the costs arising from the Insured’s
Where repatriation will be performed by the Assistance medical treatment, apart from the insured event report, the
Company, upon request, the Insured is obliged to make doctor or the medical institution providing treatment to the
unused travel tickets available to the Help Centre. Insured also need to supply the following:

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–– copy of insurance policy, medical report containing the 7
diagnosis and a detailed description of the treatment, patient
medical records and daily observations of the treating doctor • If the travel of the Insured is cancelled for the following
along with the type of the prescribed therapy – medication, justified reasons:
original invoices– receipts.
–– trip cancellation by the tourist agency. When terminating
Invoices, receipts, reports must be issued to and specify the insurance contract the Insured is obliged to supply
the name of the Insured and contain the dates of providing a document issued by the tourist agency certifying the
treatments and be certified by the stamp and signature of the cancellation of the planned trip.
authorised doctor or pharmacist.
–– death of a family member of the Insured, in which case the
Where the Insured fails to contact the Help Centre or follow Insured is obliged to supply the death certificate and proof
its instructions regarding the choice of doctor or medical of kinship.
institution, the Insurer will compensate such medical
institution for its costs up to the amount which would have –– compliance with summons issued by state authorities, in
been incurred if the Insured had complied with the reporting which case the original summons is to be supplied.
obligation from Articles 20 and 21, and the Insured will cover
the difference between the paid and the invoiced amounts. –– loss of travel documents. The Insured is obliged to prove
such loss with a copy of the passport loss report filed with
competent authorities.
Compensation for the costs of the Insured after his/
her return to the country of residence –– illness, hospital treatment or accident of the Insured and/
or immediate family members. Immediate family members
Article 23. are considered the following: spouse, children, parents or
guardians, siblings, and/or other persons residing in the
Where the Insured fails to contact the Help Centre or follow same household with the Insured.
its instructions regarding the choice of doctor or medical –– Illness or accident of the Insured resulting in his/her
institution the Insurer will compensate the Insured for the damaged health must be of such intensity that it causes the
costs incurred upon his/her return to the country of residence, physical disability preventing the Insured from taking the trip
up to the level of costs that would have been incurred if the and the trip must be prohibited by a doctor. The Insured is
Insured had complied with the reporting obligation from obliged to supply complete medical documentation (doctor’s
Articles 20 and 21. reports prohibiting travel, laboratory analyses)

Where the incurred costs are below EUR150, the Insured In cases of insurance contract termination from the previous
himself/herself may pay for such costs after he/she has paragraph, the Insurer is obliged to return the full amount of
reported the insured event to the Help Centre and complied the premium, provided that the Insured has supplied both
with its choice of doctor or medical institution; upon return copies of the policy and all the necessary documents specified
to the country of residence the Insured will be compensated in the previous paragraph of this Article.
for these costs by the Insurer.
In case of group insurance policy and failure to travel of one
Where the Insured himself/herself pays for the costs after he/ or more members of the group for reasons defined in the
she has reported the insured event to the Help Centre and previous paragraph of this Article, the Insurer is obliged to
complied with its choice of doctor or medical institution, cancel the previous insurance policy and issue a new one
upon return to the country of residence the Insured will be containing the calculated premium for the actual number of
compensated for such costs. travellers, and return the part of the premium which relates
to the insured persons unable to travel, solely where the
insurance coverage has not started running.
Insurance contract cancellation and termination
Where the Insured is unable to supply both copies of the
Article 24. policy for the reason of one of the copies being kept by the
Embassy, he/she is obliged to provide a written statement
Insurance contracts (providing health insurance coverage) using the form provided by the Insurer. In any event, the
may be terminated before the commencement of the Insured is obliged to supply the Insurer with his/her travel
insurance coverage, but not later than 60 days from the date document for the purpose of reassurance about the failure
of issuing the policy and if the insurance coverage has started of the Insured to obtain visa, i.e. as a proof that the trip is
running. impossible to take.

Insurance contracts may be terminated in the following If otherwise, the Insurer is under no obligation to return the
cases: premium.

• In case of rejection of the Insured’s visa application by Where the visa issued by the consulate of the country of
a consular and diplomatic representation office. When destination of the Insured is valid for a period shorter than
supplying the contract termination notice, the Insured is that of the insurance policy, the Policyholder is entitled to
obliged to provide such visa rejection letter, both copies of partial termination of the contract. Upon such termination,
the policy and his/her travel document for inspection. the Insurer issues a new insurance policy covering the period
which corresponds to the one of the issued visa.
• If the Insured passed away prior to commencement of travel
and the interested person supplied the Insurer with a proof In case of partial termination of insurance contract, the
of his/her death. Policyholder is entitled to receive the higher paid insurance
premium amounting to the difference between the paid
premium and the premium under the newly-issued insurance
policy.

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Where the visa issued for travel abroad is valid longer than and/or notify him/her of the rights of indemnity arising from
the insurance policy, on request of the Policyholder, the such insurance, as follows:
Insurer will terminate the previously issued policy and issue
a new one with validity corresponding to that of the visa. In 1. By supplying the insurance terms and conditions in
this case, the Insurer is entitled to collect additional premium writing, and/or by e-mail or in other appropriate manner
amounting to the difference between the premium defined more convenient for the client, and/or
by the newly-issued insurance policy and the premium
collected under the previous insurance policy. 2. By supplying a written notice of all the rights arising from
insurance and/or by providing such notice by e-mail or in
Partial termination from paragraphs 4 and 5 of this Article other appropriate manner more convenient for the client.
is possible only if the insurance period, as defined by the
contract, has not commenced.
Article 28.
The insured is not entitled to a refund of the premium in the
event of an earlier return from the trip
Within the meaning of these Terms and Conditions, the
Insurer arranges for the provision of medical and other
Statute of limitations assistance during travel to the Insured with the assistance of
the company having a centre for providing the necessary 24-
Article 25. hour assistance (Help Centre).

At the moment of concluding an insurance contract the

Claims under insurance contract concluded in accordance Insurer is obliged to inform the Insured of the exact name
with these Terms and Conditions are time-barred by and telephone number of the contractual partner– Help
provisions of the Law on Obligations. Centre.

In case of entering into contractual relationship on the

Method of reporting provision of medical and other assistance services during
travel with another assistance company, the Insurer is obliged
Article 26. to inform the Insured of changes to all relevant data from
paragraph 2 of this Article, in writing, within the shortest
possible time and not later than 30 days after making such
All notices and reports that the contractual parties have change.
undertaken to provide within the meaning of these Terms
and Conditions must be confirmed in writing if previously The Insurer is responsible for the choice of assistance
given orally, by telephone, telegram or in some other similar company but not for the quality of service of the medical or
manner. other institution selected by the contractual partner.
Responsibility for the quality of rendered services in assisting
The day of receipt of a notice and/or report is considered to be the Insured lies with the Help Centre.
the day when the notice and/or report have been received. If
a notice and/or report are sent by registered mail, the day of
receipt is considered the day such mail is Applicable regulations
handed over to the post office.
Article 29.
Agreements made in respect of the provisions of the contract
are effective only if concluded in written form.
Relevant provisions of the Law on Obligations apply to
the matters which are not regulated by these Terms and
Changing the Terms and Conditions Conditions.

Article 27.
Jurisdiction in case of dispute

The Insurer may change these Terms and Conditions in the Article 30.
manner and following the procedure of their adoption, with
prior opinion of the authorised actuary and notification of the
Insurance Supervision Agency of Montenegro. In the event of a dispute between the Policyholder – the
Insured and the Insurer, the court in the place of the Insurer
The Insurer undertakes to inform the Policyholder of any has the subject-matter jurisdiction.
changes made to the Terms and Conditions, in accordance
with law.
SANCTIONS LIMITATION AND EXCLUSION CLAUSE
The Insurer undertakes to supply the Policyholder, who
is other than the Insured, with the insurance terms and Article 31.
conditions, and/or notify him/her of the rights of the Insured
under the insurance contract, in the manner and format
determined by the Insurer for the purpose of complying with Irrespective of all other provisions of this contract, this (re-)
the obligation of informing the Insured. insurance contract provides coverage insofar as insurance
coverage is not conflicting with any economic, trade or
Policyholder who is other than the Insured undertakes to fully financial sanctions and/or embargos of the Security Council
inform the Insured of the insurance terms and conditions of the United Nations (UN), the European Union (EU), or

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 any national legislation which is applicable to the parties of III FINAL PROVISIONS
this contract. This also applies to economic, commercial or
financial sanctions and/or embargos issued by the United Article 32.
States of America or other countries, insofar as not in conflict
with the legislation of the European Union (EU) or local
legislation. These Terms and Conditions enter into force on the day of
their adoption and start applying as of 07 March 2021. The
Terms and Conditions for health insurance with included
assistance of persons during stay abroad of 27 November
2020 cease to be valid once these Terms and Conditions start
to apply.

Tabela pokrića
PACKAGES
N° INSURANCE COVERAGE
STANDARD COMFORT EXCLUSIVE
1 INFORMATION AND ADVICE AND DOCTOR REFERRAL YES YES YES
2 TREATMENT COSTS YES YES YES
3 MEDICATION PRESCRIBED BY OFFICAL DOCTOR YES YES YES
4 MEDICAL AND ORTHOPEDIC EQUIPMENTPRESCRIBED BY DOCTOR YES YES YES
5 X-RAY AND ULTRASOUND DIAGNOSTICS YES YES YES
6 HOSPITALISATION YES YES YES
7 SURGERIES AND COSTS RELATED TO SURGERY AND POSTOPERATIVE
YES YES YES
TREATMENT
8 ACUTE DENTAL PAIN TREATMENT COSTS €150 €300 €300
9 TRANSPORT OF PATIENT BY AMBULANCE / TAXI TO THE NEAREST
YES YES YES
HOSPITAL
10 PATIENT’S RETURN TO HOME COUNTRY €2 000 €7 000 €10 000
11 REPATRIATION, TRANSPORT TO THE COUNTRY OF RESIDENCE AFTER
Up to €750 Up to €1 000 Up to €1 500
COMPLETED TREATMENT
12 EVACUATION YES YES YES
13 RETURNING MORTAL REMAINS TO THE HOME COUNTRY €2 000 €5 000 €10 000
14 RETURNING CHILDREN LEFT WITHOUT SUPERVISION, WITH OR
NO NO Plane ticket
WITHOUT ESCORT
15 VISIT TO A SICK MINOR NO NO €60 per day
16 PATIENT’S HEALTH CONDITION INFORMATION AND REPORTS YES YES YES
17 URGENT DELIVERY OF MEDICATION NO Up to €100 Up to €200
18 VISIT OF THE CLOSE PERSON NO NO €60 per day
19 PRE-TRAVEL INFORMATION YES - 1 call YES - 1 call YES - 1 call
20 FLIGHT CANCELLATION OR MISSED CONNECTING FLIGHT FOR DELAYED
NO NO Up to €150
FIRST FLIGHT
21 TRACKING AND REDIRECTING LUGGAGE NO NO YES
22 LOSS OR THEFT OF LUGGAGE (limit per person) NO Up to €100 Up to €200
23 URGENT MESSAGING NO YES YES
24 TRANSLATION SERVICES NO YES YES
ADMINISTRATIVE ASSISTANCE IN CASE OF LOSS OR THEFT OF TRAVEL
25 NO NO YES
DOCUMENTS
26 FINDING ATTORNEY, COSTS COVERED BY THE INSURED PERSON NO NO YES
Up to Up to Up to
27 RECREATIONAL SKIING
5.000,00 eur 5.000,00 eur 5.000,00 eur
THE CONSEQUENCE OF THE COVID-19 PANDEMIC CAUSED BY THE Up to Up to Up to
28
SARS-COV-2 VIRUS, IF AN ADDITIONAL PREMIUM WAS PAID 5.000,00 eur 5.000,00 eur 5.000,00 eur

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