Family insurances

Covered risks

General Coverage
For healthcare services:

• Primary and secondary consultations with a medical specialist in case of illness
• Clinical-laboratory and clinical-instrumental tests
• Morphological diagnostics (as prescribed by a physician)
• Imaging diagnostics and procedures in outpatient and inpatient settings, including high-specialized services
• Physiotherapy prescribed by a specialist based on the medical condition
• Inpatient treatment: limit of cover per event - 130% of the clinical pathway as defined by the ICD and includes the expenses for consumables, team selection, robotic surgery, etc.
• Prescription medications

For immovable and/or movable property (including common areas):

• Fire and damages from firefighting
• Natural disasters
• Earthquake
• Short circuit
• Third-party liability
• Malfunctions in plumbing, sewer, heating, and air conditioning systems
• Glass breakage (windows, showcases, glass units)
• Burglary and theft (including use of technical tools), and robbery
• Cash and valuables kept in inhabited premises
• Lock replacement costs due to stolen/lost keys and other related expenses, etc.

Additional Coverage

• Legal assistance
  Covers the cost of legal consultations with a lawyer and/or notary related to a dispute or legal matter concerning the insured person or property
• Memorial support
  Financial aid in the event of the insured person's death, covering funeral expenses, transportation of remains, ceremonial services, and related costs
• Dental care
  Treatment of caries or pulpitis
  Tooth extraction
  Tooth filling
  Restoration of a broken crown
• Pet insurance
  Coverage of medical expenses for a pet (dog or cat) resulting from an accident