INSURED GUIDE

Your health is protected

with SIGNAL IDUNA health insurance
Welcome!

We are pleased to announce that you are a part of the over 200,000 SIGNAL IDUNA
Insured persons.

SIGNAL IDUNA is a German company with expertise in the field of health insurance. We
permanently innovate for the satisfaction of our customers.

Health is a priority in everybody’s life. One of our goals is to provide an insurance by

which you may access the best medical services and the best protection options.

The health insurance of which you benefit from is provided by your employer. Itprotects
you and your colleagues. The insurance operates as an assembly, each part/module
contributing to it. When a health problem occurs, the costs for the medical services are
directed to those in need. When a health problem occurs, it is important that the common
fund may bear the necessary expenses. This is why it is important that the insurance is
used in a responsible manner, for the benefit of each person from the insured group.

This guide helps you to better understand the way in which your private health insurance
works, the way in which you may access the services in the shortest time and the steps
that you need to take so as to benefit from the best medical care options, whenever
necessary.
SIGNAL IDUNA is close to you when you need financial support, so you may restore your
health condition. Please discover the details of your health insurance on the following
pages.

SIGNAL IDUNA Team

Your SIGNAL IDUNA Health Insurance
The health insurance has the role of taking-over the costs of medical services when
health problems occur. Because it is important to quickly react at the first symptoms of a
disease, we provide services aiming to help you take care of your health, without being
concerned about the costs.

When does the private health insurance help you?

• When there is a modification of your health condition (medical necessity)

and
• When the medical service is covered by the insurance contract.

You can always find comprehensive information on your insurance package at the
SIGNAL IDUNA Call Center.

How to access the provided services

We provide fast, different and innovative options so you may access the services you
need.

Choose from over 1300 clinics and hospitals, partners in the network Mediqa Net and
access the medical services without having to pay.

Choose any other medical center outside Mediqa Net, pay the medical service and
SIGNAL IDUNA will reimburse the cost according to the insurance contract.

Consultations without a doctor’s written recommendation can be scheduled in any clinic

in the network or outside the network, with the following conditions:

• for two or more consultations on the same day for one or more ailments/signs/
symptoms, an appointment with a doctor of internal medicine or general medicine is
required, unless there are already medical recommendations for these consultations.
• for more than two consultations within two weeks, for the same ailments/signs/
symptoms, only the first specialist consultation will be covered by insurance; any
other subsequent consultations for the same condition/symptomology can be
covered by insurance only if they are recommended by the doctor who performed
the first consultation.

SIGNAL IDUNA | Insured Guide 1

Accessing the services in the network Mediqa Net

Contact SIGNAL IDUNA

Signal Care Assistant Call Center 24/7
application 021.9910

sau

1 2 3a 3b
You have a health problem? You schedule yourself directly You authorize the appointment within min. 1 business day before for
to the medical provider consultations and min. 2 business days for other medical services

4 5
You have access to doctors, You benefit from medical services
tests and treatments and you are healthy!

How can you make the appointment within

the Mediqa Net network?
1. Access the Signal Care Assistant application, New Appointment section.
2. Contact the clinic and send the details of the appointment via the Signal Care Assistant
application or via the SIGNAL IDUNA Call Center at least 24 hours before the appointment,
for the authorization of the medical service.
3. Contact the SIGNAL IDUNA Call Center and request an appointment.

You must provide your consent before accessing the medical services for the first time,
as follows:
• Signal Care Assistant
• Online: www.signal-iduna.ro/acord-prelucrare-date
• By telephone - 0219007

You may make an appointment to consultations by indicating the modifications that

occurred in your health condition.
For other medical services included in your insurance, please send all the medical
documents related to the medical case.
The medical documents may be sent via the Signal Care Assistant mobile application,
at the e-mail address callcenter@suportsanatate.ro or by using the fax number
021 527 13 19.

2 SIGNAL IDUNA | Insured Guide

The steps which must be taken when you arrive at
the clinic, as SIGNAL IDUNA insured
Announce at the Present your Sign the Access any
reception that you identity card to the authorization medical services
are a SIGNAL reception staff form filled in by recommended
IDUNA Insured the physician for following a
the confirmation specialized
of performing the consultation, by
medical services resuming the steps
above

1 2 3 4
IMPORTANT:

For the medical services which are not covered by the insurance
plan, pay their cost to the provider

For the modification or cancellation of an appointment, call the

SIGNAL IDUNA Call Center

Accessing the services outside the Mediqa Net network

For medical services outside the Mediqa Net network, the authorization and appointment
of the medical services by the SIGNAL IDUNA Call Center is not necessary. This is why
you have to pay at the clinic. Subsequently, SIGNAL IDUNA reimburses a percentage of
the invoice’s value released by the clinic, according to the insurance contract and to the
documents sent.

SIGNAL IDUNA | Insured Guide 3

 DID YOU PAY FOR
MEDICAL SERVICES?
YOU WILL GET YOUR MONEY BACK THROUGH
THE REIMBURSEMENT FILE
Send the documents. We evaluate the file We analyze the Decision and payment
performed medical Following the analysis of
Following the performance We verify the mandatory services, verify the the file, you will receive
of the medical services documents and their medical services covered the decision regarding
outside the network and
validity. by the insurance. the reimbursement file,
their payment in the clinic
then we will make the

HOW DO YOU SEND THE FILE?

MOBILE APPLICATION EMAIL
Fill in the fields and load the documents Send the necessary documents at the
directly in the Signal Care Assistant e-mail address:
mobile application. rambursare@suportsanatate.ro

The guide of the documents necessary for

the reimbursement file
We know how important it is to feel comfortable at the doctor when you have to deal with
a health problem. However, it is equally important to recover the money spent from your
own funds quickly.
To benefit from the fast payment of the services performed, upload to the Signal Care
Assistant application or send by email copies of all the necessary documents, completed
correctly.

Mandatory documents:
• the reimbursement form with complete and correct data
• all medical documents issued by the medical institution*) with the information filled
in correctly (identification data of the insured, reasons for consultation, objective
examination, definite or presumptive diagnosis, medical recommendations, results
analyzes and investigations, the discharge ticket - with the date of hospitalization
and the date of discharge, date of performed medical service or issued medical
document, initial and doctor’s signature or medical provider’s stamp)
• the financial report and/or the invoice (if it was issued by the supplier) with the
individual presentation of each service accessed and the related cost
• proof of payment containing the identification data of the issuer, the medical services,
the related amounts paid and the date of issue (fiscal slip/receipt issued by supplier)

4 SIGNAL IDUNA | Insured Guide

mportant! POS receipt is not considered proof of payment. Request at reception of
medical unit, tax slip or issued receipt.
• the identity document of the insured**) or, in the case of minor dependents, the copy
of the identity card of the account holder and the minor’s birth certificate
• proof of bank account ownership**) - account statement or screenshot from the
bank’s application must contain the logo of the institution, the owner’s name and the
IBAN code.
*) the medical institution has the legal obligation to make the documents available to the
patient, the medical records containing all information related to diagnosis, investigations,
treatment and the care given to him.
**) is submitted only once for the first reimbursement file or in case of change of the data.
In addition, it’s good to know that the refund process starts before you fill out the form or
the transmission of documents to the insurer, right from the moment of the medical visit:
• ask the doctor and reception staff for detailed medical documents
• request the financial report or invoice
• photograph or scan all documents individually and clearly
• check the list of required documents to make sure you don’t miss anything
• review the attached documents and submit the request through the application Signal
Care Assistant or at the e-mail address rambursare@suportsanatate.ro
• fall within a maximum of 30 days from the performance of medical services for to
send us the request.

Remember...
• verification and approval of the reimbursement file becomes faster when documents
are photographed or scanned individually and clearly and sent in JPG, PNG or PDF
format, by e-mail or by applying Signal Care Assistant
• the POS receipt cannot replace the tax receipt or receipt issued by the medical
provider and thus is not a valid proof of payment.
• After we receive your reimbursement request for the value of the services performed
and paid, we will analyze the submitted file to ensure that it meets the conditions
necessary for validation. We’ll keep you updated on the status of the analysis on
everything you own, via SMS or email. For additional information, you can contact us
at any time through the Call Center, at the phone number 0219910 or at the e-mail
address rambursare@suportsanatate.ro.

SIGNAL IDUNA | Insured Guide 5

Access outside the Mediqa Net network
Easy Pay Card
To perform the medical services covered by the insurance plan, outside of the Mediqa Net
network, you can make an appointment directly with the medical service provider of your
choice. Afterwards, you must authorize the service in the SIGNAL IDUNA Call Center,
communicating all the details of the appointment (name of the requested medical service,
date and time of appointment, name and medical specialty, cost of the medical service).

After obtaining pre-approval, SIGNAL IDUNA will transfer the amount of the insurance
contract to your Easy Pay card. Any other additional and unauthorized costs will be borne
from own funds.

1 2 3
You schedule yourself You announce in Call Center
You have a health problem?
to any medical provider the appointment dates
from Romania and cost of services

y Pay
Eas Easy Pay

4 5 6
You receive the money You benefit of the necessare
You pay with the Easy Pay card
on the Easy Pay card medical services

7 8
You send the medical documents You are healthy!

To have final approval for payment, you must submit to the Insurer the medical documents
issued by the medical service provider, after the performance pre-approved medical
services, within two working days, at the email address: rambursare@suportsanatate.ro
or through the Signal Care Assistant application.
Medical documents must contain the following information: identification data of the
insured person, the reason for the consultation, the history of the current illness, the
complete diagnosis, the date of the medical service, the doctor’s signature and initials,
the results of medical investigations. If the documents are not sent within a maximum of
30 days from performing medical services, the possibility of accessing medical services
using the card Easy Pay will be restricted until they are sent.

6 SIGNAL IDUNA | Insured Guide

Signal Care Assistant
Download Signal Care Assistant and you benefit from 100% digital services!
• Request a new appointment or notify the Call Center for an appointment made at
the clinic;
• Send a reimbursement file;
• Follow the status of the appointments and reimbursements;
• Look at the interactive map integrated with Google Maps for the clinics within the
network Mediqa Net;
• Manage the minor dependents covered by the insurance;
• Find out news and useful information.

The application is available in PlayStore and AppStore.

Useful contacts

In order to access the services:

Scan the code and

download the application!

Signal Care Assistant available for

Android and iOS

Call Center available 24/7:

021 9910

callcenter@suportsanatate.ro
rambursare@suportsanatate.ro

Follow the news of SIGNAL IDUNA Romania

SIGNAL IDUNA | Insured Guide 7

Additional information
Specific terms
The insurance plan
The insurance plan is represented by the medical services covered by the insurance contract provided
by your Employer. The details of this guide are informative and do not replace the provisions of the
insurance contract.
Insured: Natural person residing in Romania,
benefiting from the insurance according to the
health insurance contract and to the insurance
certificate.
Insured event: The insured event for which
SIGNAL IDUNA will provide protection by
insurance is the medical treatment necessary due
to a disease or accident. The insured event will
be detailed in the insurance plan from which you
benefit.
Accident: Sudden, arbitrary, external event,
produced independently from the Insured’s will,
which by its action on the body prejudices the
Policyholder’s health condition.
Disease: An abnormal condition prejudicing the
functions of the Insured’s body, diagnosed by an
authorized physician.
Waiting period: The period from the beginning of
the insurance in which SIGNAL IDUNA does not
cover the insured event and which is indicated in
the insurance contract.
Necessary from the medical point of view: A
medical service is necessary from the medical
point of view if, according to the objective
results of the medical exams and according
to the general scientific knowledge, at the
moment of its performance, its performance is
warranted. SIGNAL IDUNA is entitled to assess
and determine (according to the universal level
of medical knowledge) whether the service is
necessary from the medical point of view.
The list of the covered medical services (the
benefits catalogue): The list of the medical
services which the Policyholder may benefit from
within the insurance protection. This list can be
consulted at the SIGNAL IDUNA Call Center
service or at the CONTRACTOR.
8 SIGNAL IDUNA | Insured Guide
Insurer: SIGNAL IDUNA ASIGURARE
REASIGURARE S.A., Romanian legal person
authorized to provide health insurance activities.
Contractor: The legal person which concludes
the insurance contract with SIGNAL IDUNA for
you and which is responsible for the payment of
the premium.
Mediqa Net: Physician and/or medical institution
authorized by the competent authorities and
licensed to perform a treatment according to the
universal level of medical knowledge, acting within
the limits of the received authorization and which
concluded a medical services provision contract
with SIGNAL IDUNA and which is mentioned in
the List of medical services providers, available
for consultation at the SIGNAL IDUNA Call Center
service. The availability of medical services and
of physicians within the Mediqa Net network is
limited to the list of medical services contracted
with the Medical Service Providers. Information on
the availability of the requested medical services
can be obtained via Call Center.
Compensation: Amount paid by the Insurer
to the Insured in case the latter benefited from
medical services, amount indicated in the
insurance contract.
Ambulatory medical services: Medical services
provided by a physician according to the
universal level of medical knowledge, without
hospitalization in a medical institution.
Medical services provided by hospitalization:
Medical services provided by the hospitalization
of the Insured in a hospital/medical institution,
according to the universal level of medical
knowledge.
Hospital: Medical institution authorized by the
competent authorities and licensed to perform
a treatment according to the universal level of
medical knowledge, acting within the limits of the
received authorization.
(The following medical institutions are not
considered hospitals: Geriatrics and Gerontology
hospitals, retirement homes, recovery,
rehabilitation or balneary and climatic centers
or centers of kinetotherapy treatment, wards
of medical recovery within clinical hospitals,
institutions intended for the treatment of mental
disorders, including psychiatry wards of hospitals,
institutions whose specific destination is the
dependents’ care and treatment.)
Hospitalization: The period when the Insured
benefited from medical services, the period
between the admission date and the discharge
date, as registered in the discharge summary and
observation sheet.
Birth: All the medical services accessed at the
moment of birth, regardless of their performance
method (natural birth or by Caesarean section)
and regardless of the number of newborns. The
maximum limit covered for birth is indicated in the
insurance contract.
Pregnancy monitoring: Consultations,
investigations and laboratory tests available in
ambulatory without hospitalization, performed
during pregnancy and related to it.
In order to access these services, the confirmation
of the pregnancy diagnosis is necessary based
on suggestive documents.
Precautionary examination: Medical services
consisting in the Insured’s performance of
medical investigations during an insurance year
by appointment made by the Call Center service.
In order to access these services, it is not
mandatory that the services are necessary from
a medical point of view.
Assisted medical transport: Medical services
provided by authorized and specialized medical
staff. The medical services consist in the
examination of the Insured, the evaluation of the
SIGNAL IDUNA | Insured Guide
health condition and the immediate performance
of the appropriate treatment (within the availability
limit) and, in case it is necessary from the medical
point of view), transport to a medical unit,
equipped and with a specialized staff which may
take over and continue the initial treatment.
Waiting Period
(1) The Waiting Period enters into force on the first
day of the Beginning of the Insurance and it is
applicable to each Insured Person.
(2) The Waiting Period is 4 months for Medical
Services included in Inpatient.
(3) The Waiting Period is 10 months for Medical
Services related to and Birth.
(4) In case the Medical Services included in
Outpatient the Waiting Period does not apply.
(5) In case Medical Services included in Inpatient
are caused by an Accident the Waiting Period
does not apply.
(6) In case the Insured Person has beneficiated
in the past, uninter-rupted, from an Insurance
offered by the Insurer, Insurance that has covered
Medical Services included in Inpatient or Medical
Services related to Birth, the Waiting Period
already spent will be deducted from the maximum
amount of 4, irrespective 10 months. The re-
maining Waiting Period, if it is the case, will be
the Waiting Period valid for the current Insurance
period.
9
The beginning of the insurance protection
The insurance protection begins at the date
indicated in the insurance certificate sent by
SIGNAL IDUNA. In case of modifications that
occurred during the execution of the contract, the
additional protection shall be applied at the date
of the agreed modifications.
The end of the insurance protection
The insurance protection terminates at the date
indicated in the insurance certificate sent by
SIGNAL IDUNA, at the death of the Insured, when
the Insured no longer satisfies the conditions for
the insured capacity or at the termination of the
insurance contract (total or partial) by SIGNAL
IDUNA or Contractor.
Territoriality
According to the insurance, the medical services
which can be performed only on the Romanian
territory are covered, unless otherwise specified
in the insurance contract.
The payment of the premiums
The premium is paid by the Contractor.
Participation to profit, redemption value,
reduced insured amounts, Guarantee fund
The insurance does not include the participation
to profit, does not have a redemption value,
neither an insured amount reduced by a contract
which does not provide the payment of the
premiums. Health insurance participates to the
Guarantee fund.
Settlement of litigations
The contractor and SIGNAL IDUNA shall try
to amicably settle (by mail, direct meetings,
mediation) potential divergences regarding the
conclusion, execution and interpretation of the
insurance contract. If the amicable settlement
is not possible, within a reasonable term, the
decision shall be taken by the competent courts.
Tax deductions. General provisions
According to the tax legislation, the premiums
are not subject to VAT. The expenses for the
premiums of voluntary health insurance are
deductible according to the legislation in force.
10
Applicable law
The following will be applicable to the insurance
contract:
• Title X (Voluntary health insurances) of the Law
no. 95/2006 regarding the health system reform;
• CSA Norm no. 23/2009 regarding the
information which must be provided to customers
by the insurers and insurance intermediaries;
CSA Norm no. 24/2008 regarding the prevention
and combat of money laundering and terrorism
financing by the insurance market;
• ASF norm no. 18/2017 regarding the settlement
procedure of the petitions regarding the activity
of the insurance and reinsurance societies and
insurance brokers;
• ASF norm no. 33/2017 regarding the
organization of the archiving activity at the
authorized/approved entities, regulated and
supervised by the Financial Supervisory Authority;
• Law no. 237/2015 regarding the authorization
and supervision of the insurance and reinsurance
activity;
• Civil Code;
• (EU) Regulation no. 2016/679 of the European
Parliament and Council on the protection of
natural persons regarding the personal data
processing and free circulation of these data.
Any other regulatory documents applicable or
incidental to the insurance field.
Information about the insurer
SIGNAL IDUNA ASIGURARE REASIGURARE
S.A., society authorized by the FINANCIAL
SUPERVISORY AUTHORITY, company with a two-
tier system administration, registered at the Trade
Register under the no. J40/5098/19.03.2008, Sole
Registration Code: RO23545104, Bank: Citibank
Europe plc, Dublin – Romania branch, account:
RO18 CITI 0000 0006 5009 6002, LEI CODE:
529900617IZ922N1YT16, registration number
in the Register of Insurers RA-062/11.06.2008,
authorization number 505/10.06.2008, personal
data operator registered under the number 9402.
Address: Gara Herăstrău, number 2, 4th floor,
Section 1, zip code 020334, Bucharest, Romania
Telephone: + (40) 031 730 71 00
Fax: + (40) 031 730 71 77
E-mail: office@signal-iduna.ro
Web: http://www.signal-iduna.ro
Personal data processing
SIGNAL IDUNA | Insured Guide
We hereby inform you that SIGNAL IDUNA
ASIGURARE REASIGURARE S.A., during the
execution of the insurance contract, collects,
processes and stores your personal data,
including those related to the health condition,
directly or by authorized representatives, for the
following purposes:
• The conclusion of the insurance contract
(including its renewal/extension);
• The management and execution of the
insurance contract;
• The evaluation and investigation of the damage
files;
• The identification and prevention of potential
frauds;
• Risk, strategic and operational evaluations;
• Receivables collection;
• The investigation of litigations;
•Communication to the proxies/operators
associated to the insurer, reinsurance societies,
member societies of the SIGNAL IDUNA group,
services providers from the country or from
abroad when there is an obligation or request in
this regard, as well as to any other natural or legal
person necessary in order to fulfil the object of the
insurance contract;
• The fulfilment of the legal obligations specific to
Insurers.
The legal basis of the personal data processing
is constituted by the insurance contract and the
applicable legal provisions, the data related to the
health conditions shall be processed by the Insurer
based on the consent of the Insured, expressly
and unequivocally expressed, according to the
legislation in force.
In order to express the consent for the medical
data processing, SIGNAL IDUNA provides the
following options:
• The Signal Care Assistant mobile application
available for Android and iOS, which may be
downloaded and the consent is expressed by
accepting the usage terms and conditions,
completing and sending the consent form, in an
electronic format;
•Website, by accessing the link www.signal-
iduna.ro/acord-prelucrare-date and completing
the consent form in an electronic format, which
must be sent by clicking the button “Send the
answer”;
SIGNAL IDUNA | Insured Guide
•IVR, by using the telephone number: 0219007
and observing the operator’s instructions in order
to express your options;
We would like to guarantee that all the data
used by the operator for the execution of the
insurance contract shall be processed with
maximum confidentiality and stored according to
the security standards provided by the relevant
legislation.
The data processing shall be performed during the
execution of the Insurance contract, respectively
until the expiration of the contractual obligations,
and also of the legal obligations in force regarding
archiving.
According to the legal dispositions in terms of
personal data processing, you benefit from the
following rights:
• The right to information and access – it means
you have the right to obtain our confirmation
regarding the processing or non-processing of
your personal data and, if so, access to those
data and information regarding the processing
method of the data;
• The right to data portability, which refers to the
right to receive the personal data in a structured
form and the right that these data are directly sent
to another operator if this is technically feasible;
• The objection right, referring to the right to
object on the personal data processing when the
processing is necessary so as to fulfil a certain
task of public interest or when it considers a
legitimate interest of the operator;
• The right to be notified on any breach of data
security;
• The right to request the correction of the data
and/or the suspension of data processing;
• The right to request the deletion of the data
in case the following reasons apply: these are no
longer necessary for the fulfilment of the goals
for which they were collected or processed; you
withdraw your consent and there is no other legal
ground for processing; you object the processing
and there is no legitimate reasons which
may prevail; The personal data were illegally
processed; The personal data must be deleted
for the fulfilment of a legal obligation; the personal
data were collected for the provision of services
by an information society.
11
 other natural disasters.
All these rights may be exercised by a written 5. The (premeditated) intentional self-inflicted
request sent online or at the e-mail address actions of the insured person.
dataprotection@signal-iduna.ro or even at the 6. Obtaining insurance payments through
operator’s headquarter, to the above mentioned fraudulent actions and intentionally
address or to any of the offices in the country. misleading the Insurer.
However, please note that the above rights are 7. Committing, attempting to commit and
not absolute, therefore, their exercise must be participation of the insured person in the
considered in relation to the purposes for which commission of a crime punishable by law.
your data were collected and are processed by 8. Diseases/conditions due to the consumption
the operator, as well as according to the legal of alcohol, drugs, other toxic substances,
provisions incidental to the Insurer’s activity, including their consequences.
such as, for example, those providing archiving 9. Experimental medicine, including its
obligations. In any case, your requests will be consequences.
analysed within the legal term of maximum 30 10. Alternative or non-conventional medicine
days and the response will be communicated to (such as, but not limited to: acupuncture,
you via hard copy or soft copy according to your homeopathy, phytotherapy, hyperbaric
option. medicine), speech therapy services;
pain therapy services; integrative
Also, for the exercise of the above mentioned medicine, quantum medicine, , ayurveda,
rights, you may appeal to justice or contact iridology, yoga, osteopathy, chiropractic,
the National Supervisory Authority for Personal integrative oncology, traditional Chinese
Data Processing, if you are not satisfied with the medicine, artificial light treatments,
operator’s response. vitamin therapy, glutathione/alpha lipoic
acid/selenium, chelator detoxification
It is important to pay attention to this section so therapies, electromagnetic treatments,
that you know all the aspects related to your data hydrocolonotherapy, ozone therapy,
processing and notify them to the persons whose including the consequences of those listed
personal data are disclosed by you, respectively above, unless otherwise specified in the
the dependents-beneficiary of the insurance product insurance conditions.
package. For further information on the data 11. Participation as a subject of medical,
processing performed by SIGNAL IDUNA, as chemical, scientific, health-related
data operator, please access the link www.signal- research, even if undeclared, including their
iduna.ro/politica-de- protectie-a-datelor consequences.
12. Self-treatment, taking drugs without a
Exclusions prescription, including their consequences.
13. Medical services that are not medically
The Insurer’s liability for medical services provided necessary.
following an insured event is limited. The insurer 14. Routine and preventive medical services,
does not assume responsibility for the settlement unless otherwise specified in the product
of medical services for: insurance conditions.
15. Medical services that are the consequences
1. Events, such as war or war-like, participation of a prescription that was not followed by
in military service, including peacekeeping the insured person.
missions outside Romania. 16. Medical services provided to the insured
2. Consequences of terrorist attacks, disorder, person by spouses, parents or children.
insurrections, riots or state of emergency 17. Medical services provided to the insured
instituted as a result thereof. person by any person who is not accredited
3. Consequences of radiation, fusion, fission to practice medicine.
and acceleration of nuclear particles. 18. Attempted suicide, including its
4. Consequences of earthquakes, floods and consequences.

12 SIGNAL IDUNA | Insured Guide

19. Prostheses existing at the time of enrollment
in the insurance, including their replacement
and the consequences of the disease
resulting from them.
20. Aesthetic surgery or any medical service
provided for aesthetic reasons, including
their consequences, or any medical
service provided within a medical provider
specialized in aesthetic services
21. Medical services for the desire to have
children/fertility, in order to investigate sterility
and infertility, in order to investigate aborted
pregnancies, from history, medical services
performed for the purpose of carrying out
assisted human reproduction procedures,
as well as assisted human reproduction
procedures, preconception and
preconception screening, contraception,
voluntary abortion, sexual dysfunctions,
including their consequences. Any medical
services performed within a medical provider
specializing in infertility, insemination and in
vitro fertilization (IVF) services.
22. Sex change, including its consequences
23. Tuberculosis, HIV, AIDS including their direct
or indirect consequences.
24. Mental, psychic, psychiatric illnesses
and behavioral conditions including their
consequences, psychiatric evaluations,
psychological medical services, unless
otherwise specified in the product insurance
conditions or in the benefit catalog.
25. Medical services regarding genetic
conditions/diseases, including medical
genetic analyses.
26. Medical services related to dioptre correction
such as but not limited to dioptre correction
surgery, unless otherwise specified in the
product insurance conditions or benefit
catalog.
27. Dental medical services, including their
consequences, unless otherwise specified
in the product insurance conditions.
28. Medical services regarding special medical
imaging investigations (PET-C).
29. Issuing any kind of medical documents that
are not intended to diagnose/treat illness,
condition and/or bodily injury;
30. Epidemic/pandemic, state of epidemic/
pandemic alert confirmed by the competent
authorities, except for situations expressly
SIGNAL IDUNA | Insured Guide
mentioned in other documents of the
insurance contract.
31. Hospitalization in the following medical
institutions: geriatrics and gerontology
hospitals, convalescent homes, centers
intended to provide kineto-therapeutic
recovery, rehabilitation treatment, home
care centers, nursing homes, hospitals or
psychiatric wards of hospitals and medical
institutions for the treatment of addictions,
unless otherwise specified in the insurance
conditions of the product.
32. Medical services regarding palliative and/or
prophylactic care, unless otherwise specified
in the product insurance conditions.
33. Medical services provided outside the
location of the medical service provider.
34. Medical services regarding complications
resulting from excluded or restricted
conditions/treatments.
35. Medical services regarding occupational
medicine.
36. Medical devices recommended and used
during hospitalization, drugs purchased from
the pharmacy or other providers, different
from the provider of medical services where
the insured person was hospitalized and
administered during hospitalization, medical
devices, drugs or substances recommended
and used in the outpatient setting.
37. Medical services that are outside the
competence limits of the medical specialty
related to the referring doctor (such as, but
not limited to: medical services such as CT,
MRI, allergy tests recommended by the
family doctor or the general practitioner ,
etc.)
38. Medical investigations recommended by
the family doctor or the general practitioner
outside the medical competence as
described in the normative, public acts.
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