AWP P&C Česká republika – Branch of a Foreign Legal Entity (AWP P&C SA), trading as Allianz Assistance / Allianz Travel / Allianz Partners

Assistance call deadline

You must contact the assistance service without undue delay in emergencies (e.g. hospitalization, medical transport, before surgery or specialized diagnostics abroad) and follow its instructions.

Unauthorized treatment

If transport or other benefits are arranged without prior approval from the assistance service, reimbursement is limited to the amount the insurer would have paid had it arranged the service itself.

Purchase while abroad

If you conclude the policy while already abroad, cover only applies to events occurring from the 3rd day after the policy was concluded (deferred effectiveness), unless it directly follows a previous Allianz travel policy paid before that policy's expiry.

Chronic conditions

Health conditions (including chronic illness) that existed, were diagnosed, or required prescribed medication within 4 months before the policy took effect are treated as pre-existing and generally excluded from cover.

Pregnancy

Costs related to a normal, uncomplicated pregnancy or childbirth are not covered; however, necessary medical care for an unexpected premature delivery before the 37th week of pregnancy is covered, and the newborn shares the mother's benefit limit.

Pre-existing condition exclusions

Any illness, injury or health condition that existed, was diagnosed, or required prescribed medication within the 4 months before the policy's effective date is excluded from cover as a 'health condition before the policy's effectiveness'.

Coverage duration limit

Policies can be concluded as a short-term single trip (1-90 days), an annual policy (365/366 days), or an annual multi-trip policy where each individual trip abroad may last up to 60 days; cover lapses after 60 consecutive days abroad until re-entry to and a new departure from the Czech Republic.

Medical expenses treatment abroad

Coverage for acute medical treatment costs in foreign countries including ambulatory care, surgery, hospitalization, and medications

Medical transport and repatriation

Coverage for emergency medical transport to nearest suitable healthcare facility and repatriation to home country if serious illness or injury occurs during travel

Chronic illness stabilization period

Specific condition regarding pre-existing chronic illness coverage requiring stabilization period before travel

Section: Stručný přehled pojištění > Vztahuje se pojištění na všechno?

náklady, které vznikly v souvislosti s chronickým onemocněním, které nebylo 12 měsíců před začátkem pojištění stabilizované,

Trip cancellation insurance

Coverage for cancellation fees and costs if traveler must cancel or interrupt trip due to covered reasons including illness, injury, or unexpected pregnancy

Emergency assistance services 24/7

Round-the-clock multilingual assistance service available for medical emergencies, lost documents, baggage problems and other travel issues

Assistance service approval required

Many benefits require prior approval from the assistance service; costs incurred without consent may not be reimbursed

Section: Popis jednotlivých pojištění > B. Pojištění urgentní přepravy > Zdravotní repatriace (Vaše doprava domů poté, co se Vám dostane akutní péče)

Vy nebo osoba jednající ve Vašem zastoupení nás musí kontaktovat a my musíme veškerou přepravu zařídit předem. Pokud neschválíme a neobstaráme přepravu, budeme hradit nejvýše ty částky, které bychom hradili, kdybychom obstarali přepravu sami. […] POZNÁMKA: Pokud Vy nebo Vámi určení zástupci zajistíte některou z asistenčních služeb uvedených v této pojistné smlouvě, uhradíme Vám náklady na tyto služby pouze tehdy, pokud nás o tom informujete a my Vám dáme výslovný souhlas a schválení k pokračování. Navíc tyto náklady uhradíme pouze do výše, kterou bychom sami vynaložili, kdybychom služby organizovali my.

Pre-existing medical condition exclusion

Acute illnesses that arose before travel and unstabilized chronic illnesses are generally not covered

Pregnancy-related exclusions

Costs related to normal childbirth and pre-existing high-risk pregnancy are not covered; only complications during unexpected premature delivery are covered

Geographic coverage zones

Product offers multiple geographic coverage options including domestic Czech Republic, Europe, worldwide (with or without USA/Canada)

Policy duration and extent options

Multiple duration options available: single trip up to 365 days, half-year 180 days, or annual multi-trip with individual trips up to 60 days