In the absence of an internet connection:
During the Military Ordinances
In case of policies that are issued after leaving Romania for insureds who have to extend their stay abroad in the context of the pandemic and that have continuity of the insurance period, the following are temporarily suspended:
The insurance premium is fully refunded in case of cancellation of travel for policies with cancellation clause attached as well as for policies purchased before the pandemic being officially declared.
The travel insurance contracts issued by Allianz -Tiriac cover medical expenses directly or indirectly caused by an infectious disease (including COVID-19) up to the moment when it is declared a pandemic or an epidemic by the competent authorities.
Given that the World Health Organization (WHO) declared COVID-19 a pandemic risk on March 11th, 2020, the travel insurance issued by Allianz-Tiriac does not cover the medical costs generated by contracting COVID-19.
We also specify that the risk of contracting COVID-19 was not covered by the travel insurance policies issued by Allianz-Tiriac prior to March 11th, 2020, if occurring in the countries where COVID-19 was already declared an epidemic risk by the competent authorities.
Re-entry into force of individual life insurance contracts at the client's request is allowed without filling in medical questionnaires or other specific documents, in the following situations:
The Allianz-Tiriac portfolio contains both life insurance contracts that do not have provisions for the epidemic/pandemic exclusion and insurance contracts that include provisions for this exclusion. We will continuously monitor the evolution of each case and the decisions will be made on a case by case basis.
Declaring COVID-19 as pandemic risk by the World Health Organization (WHO) on March 11th, 2020 does not, in any way, affect the coverage of the Best Doctors clause regarding serious diseases. The coverages remain in force as provided in the insurance conditions.
The questionnaires signed by the Insured for the Best Doctors serious medical conditions additional clause are accepted in electronic format (scan, photo) and the original documents are to be collected when the activities return to normal and we return to standard sales and contract administration processes.
However, the rapid international spread of the new coronavirus may make it difficult to access medical services in some countries. Such difficulties are caused by external factors, such as cancellation of flights, restrictions imposed by the authorities (e.g. closing borders, hospitals etc.).
In all medical cases where the listed restrictions appear, we will analyse the situation together with our partner Further and we will identify the best solutions for our insureds.
Electronic platforms are available for notifying and managing an unforeseen event: vehicle related, building and contents, life, health and travel.
For vehicle and home claims, you also have available the assistance service:
021 312 22 39.
The Vitalis professional liability for healthcare professionals issued by Allianz-Tiriac covers damages caused to patients by medical malpractice (professional errors committed during the exercise of medical or medical-pharmaceutical activities involving the professional civil liability of healthcare professionals, medical, healthcare and pharmaceutical services providers).
If the exercise of the medical activity according to Law 95/2006 leads to bodily injury or death of the patient in an epidemiological context and if the exoneration of liability of the insured under force majeure conditions is not applicable, this risk is covered.
Any claim for compensation will be analysed responsibly by Allianz-Tiriac, with prior verification, in specific cases, of the incidence of the exclusion mentioned in art. 10, letter a of the contractual conditions of the product:
“The insured has no professional civil liability as the conditions for compensation payment are not met, if the damage was caused by a case of force majeure (external, unforeseeable, extraordinary and invincible circumstance, unrelated to the thing that caused the damage or its natural characteristics) such as: lightning, flood, avalanche, hurricane, etc.”