Insurance in the Mountains

Search and rescue insurance applies to insurance events that occurred in mountain areas exclusively in Slovakia, including chasms and caves under the Mountain Rescue Service Act. The Mountain Rescue Service Act defines 15 mountain areas where the Mountain Rescue Service operates. These are the Belianske Tatry, Bukovské vrchy, Javorníky, Kremnické vrchy, Kysucká vrchovina, Kysucké Beskydy, Malá Fatra, Moravian-Silesian Beskydy, Nízke Tatry, Pieniny, Slovenský raj, Stredné Beskydy, Veľká Fatra, Vysoké Tatry and Západné Tatry. 

In the event of an insured event, it is necessary to inform the insurance company in writing or by telephone about the occurrence of the insured event as soon as possible and, upon return, to submit the original documents on the payment of the costs subject to the indemnity by the insurer, together with the completed form "notification of the insured event" in accordance with the relevant general insurance conditions. 

An insured event may be notified to the insurer in several ways, namely: 

• online via a web form on www.generali.sk; 

• through the San Marco Portal client portal; 

• in writing, by sending a notification to the address of the Insurer's registered office. 

In the event of hospitalization or costs above EUR 300, it is necessary to immediately contact the Assistance Service available 24 hours a day at the phone number +421 2 58572266 either by the client or by a third party. In the event that the Insured Person does not follow the instructions of the foreign representative of the Insurer and its contractual partners, the Insurer has the right to reduce or refuse the insurance benefit. If the hospital stay is likely to last longer than 3 days, the insurer or the assistance company must be informed as soon as possible, otherwise there may be a loss of insurance coverage or a reduction in insurance benefits. If the client pays the costs up to EUR 300 him/herself, it is necessary to send: 

• the completed "notification of an insured event – medical costs” form; 

• the originals of the medical report stating the diagnosis and a list of the medical procedures performed; 

• original bills for treatment, stay in the hospital, for medicines prescribed by a doctor and for transport; 

• tickets; 

• proof of payment for accommodation; 

• in the event of death, the entitled person shall submit a death certificate and a certificate/document on the inspection of the deceased. 

You can check the validity of the insurance at any Generali branch, by phone at 02 38111117 or via the Generali client portal at www.generali.sk. Also through the VÚB Contact Centre at the following phone number within the Slovak Republic: 0850 123 000, or from abroad: +421 2 4855 59 70, where it is necessary to identify yourself with Nonstop banking. The validity of the insurance can also be verified in Mobile Banking and Internet banking. 

Short-Term Travel Insurance may be terminated: 

• upon the termination of the Policyholder no later than one day before the date of commencement of the insurance, provided that the insurance does not include the cancellation fee insurance or the insurance premium has not been paid, with effect from the insurance’s date of termination, which is agreed to in the insurance policy; if the insurance premium has been paid, the Insurer is obliged to return to the Policyholder the entire premium paid; 

• termination of the insurer or the policyholder within 1 month from the completion of the investigation of the insurance event or within 3 months from the notification of the insurance event to the insurer. The notice period shall be one month and shall commence on the date of receipt of the notice of termination, on its expiry, the insurance shall expire. The Insurer is entitled to a premium until the date of termination of the insurance. 

Travel Insurance for an Indefinite Period can be terminated in the following cases: 

• provided that the insurance does not include cancellation fee insurance or the insurance premium has not been paid, you may terminate the insurance policy no later than one day before the date of commencement of the insurance; 

• within 2 months after its conclusion; the notice period is 8 days and begins to run from the day following the receipt of the notice. The insurance finishes after its expiry; in this case, the insurance company is entitled to a proportional part of the premium until the termination of the insurance; 

• within 1 month from completing the investigation of the insurance event or within 3 months from the notification of the insurance event to the Insurer. The notice period shall be one month and shall commence on the date of receipt of the notice of termination. On its expiry, the insurance shall expire. The Insurer is entitled to a premium until the date of termination of the insurance; 

• by written notice at the end of the insurance period, where the notice must be delivered to the insurance company at least 6 weeks before the anniversary of the contract. If you have remotely closed the insurance policy (e.g. via the Internet or telephone) for a period of at least one month, you can withdraw from the insurance policy within 14 days from its conclusion.