AXA Assistance Travel insurance (Cestovni Pojisteni)

Overall limit for medical treatment abroad: Reference 2,500,000 CZK, Komfort 5,000,000 CZK, Excelent 500,000,000 CZK per insured person and policy period.

Necessary medical examination and treatment for acute illness/injury is covered with no separate sub-limit; it draws on the overall PLV (medical expenses) limit of the chosen tier (2,500,000–500,000,000 CZK).

Stay in a multi-bed hospital room with standard equipment and care, including hospital meals, is covered within the overall PLV limit with no separate sub-limit.

Necessary outpatient examination/treatment is covered within the overall PLV limit, with no separate sub-limit.

Basic dental treatment for acute pain (extraction or simple filling, incl. X-ray) up to a sub-limit of: Reference 6,000 CZK, Komfort 11,000 CZK, Excelent 20,000 CZK. Requires regular preventive dental check-ups at least once every 12 months.

Actual, necessary transport costs (to nearest facility, between facilities, repatriation to CZ) are reimbursed at real cost up to the overall PLV limit of the chosen tier (2,500,000–500,000,000 CZK); decisions on method/date made solely by the insurer's physicians.

Emergency evacuation/transport of the insured (incl. helicopter/mountain rescue where health requires it) is reimbursed at real cost, capped by the overall PLV limit (2,500,000–500,000,000 CZK depending on tier).

Costs of transporting mortal remains to the Czech Republic and other necessary related costs are reimbursed at real cost within the overall PLV limit (2,500,000–500,000,000 CZK depending on tier); the insurer decides on method/date of any onward transport outside CZ, capped at the cost of transport to CZ.

Mountain rescue intervention when a health condition requires it is reimbursed at real cost within the overall PLV limit (2,500,000–500,000,000 CZK depending on tier). Search/rescue costs are not covered if the insured's health or life was not endangered.

In areas NOT under an MFA/WHO travel-advisory, COVID-19 illness is treated as a standard acute illness under the normal PLV limit for all tiers (the general epidemic/pandemic exclusion explicitly does not apply to COVID-19). In areas the MFA/WHO advises against travelling to, COVID-19 medical expenses are covered only under the Excelent (Rizikové sporty programme) variant, up to a separate sub-limit of 25,000,000 CZK; Komfort and Reference provide 0 CZK there. Quarantine accommodation/meal costs and return-after-quarantine costs are covered up to 30,000 CZK (Excelent) / 15,000 CZK (Komfort, both with 20% deductible) / 0 CZK (Reference).

Chronic illnesses are excluded from the base product, but can be covered by purchasing the optional 'Pojištění chronických onemocnění' add-on, available for Komfort (2,500,000 CZK PLV limit) and Excelent (5,000,000 CZK); not available for Reference. Stabilized chronic conditions (no change in treatment/medication/hospitalization in the 12 months before the policy start) are exempt from the exclusion and remain covered under the base PLV limit without this add-on.

Skiing and snowboarding on marked/open pistes is classed as a 'běžný sport' and is covered without any premium surcharge or separate limit, under the standard PLV/accident/liability limits. Off-piste skiing/snowboarding and freeride are classed as 'rizikové sporty' and require the optional risk-sports add-on.

Optional add-on ('Pojištění rizikových sportů') extends medical expenses, accident and liability cover to events occurring during risky sports (recreational or competitive), up to the limits of the underlying PLV, accident and liability covers of the chosen tier; no separate numeric limit is set. Full list of covered sports published on the insurer's website.

Complications arising during pregnancy before week 26 are treated as an ordinary acute condition and fall within the standard overall PLV limit. Explicitly excluded are: examinations to detect pregnancy, interruption, complications of a risk pregnancy, any complications after week 26 of pregnancy, and childbirth.

Covers liability for personal injury/death (Excelent 25,000,000 CZK / Komfort 1,000,000 CZK) and property damage (Excelent 10,000,000 CZK / Komfort 500,000 CZK); Excelent additionally covers lost profit up to 1,000,000 CZK. Deductible 5,000 CZK. Not available in the Reference tier.

Covers legal costs (lawyer, interpreter, expert, court fees, travel/accommodation for court appearance) up to 100,000 CZK (Excelent) or 20,000 CZK (Komfort). Not available in the Reference tier. Excludes disputes with close persons or below 3,000 CZK in value.