Colonnade Insurance S.A., organizační složka (branch of Colonnade Insurance S.A.)
Colonnade
Colonnade is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
The assistance service settles hospital bills directly with the medical facility if the insured is unable to pay for treatment themselves; outpatient care under EUR 200 is typically paid by the traveller and reimbursed afterwards.
Geographic scope
Trips outside the Czech Republic and outside the country where the insured pays statutory health insurance; selectable zones: Europe, World excluding North and Central America, or Worldwide.
Excludes uninhabited or war zones, locations with extreme conditions, countries the Czech Ministry of Foreign Affairs has advised against travelling to, and any state territory where the insured resides or works illegally.
Unique selling points
- Medical expenses covered up to a headline maximum of 250 million CZK, with no deductible in any tier.
- 24/7 multilingual assistance hotline plus a mobile app with active geolocation and online doctor consultation.
- Civil liability for bodily injury and property damage covered up to 10 million CZK in all package variants.
- Fully self-service online purchase in about 3 minutes, paid by card, with the policy delivered by email immediately.
- Backed by the Canadian Fairfax Financial Holdings group, combining local flexibility with international financial strength.
Coverage limits
Medical expenses
CZK 5,000,000 – CZK 100,000,000
Covers outpatient/inpatient treatment, hospitalization, dental emergencies and repatriation. Silver: 5,000,000 CZK, Gold: 25,000,000 CZK, Platinum: 100,000,000 CZK, provided without deductible. Current marketing materials advertise a headline maximum of up to 250,000,000 CZK.
Emergency medical treatment
Covered
Outpatient and inpatient (hospital) treatment is included in all tiers; the cumulative limit for this benefit equals the overall Section A medical expenses limit.
Hospitalization
Covered
Hospitalization for the medically necessary period, in a standard or intensive-care room, included in all tiers within the cumulative Section A/B limit.
Outpatient treatment
Covered
Outpatient treatment is included in all tiers within the cumulative Section A/B medical expenses limit.
Emergency dental treatment
CZK 15,000 – CZK 25,000
Covers acute dental pain (simple filling, extraction, simple repair of dentures/braces). Silver: 15,000 CZK, Gold: 20,000 CZK, Platinum: 25,000 CZK.
Local medical transport
Covered
Transport to and from the nearest suitable medical facility abroad is included in all tiers, within the cumulative Section A/B limit.
Medical evacuation / repatriation
Covered
Repatriation back to the Czech Republic (or country of permanent residence within the EU) when medically appropriate, arranged by the assistance service and included within the cumulative Section A/B limit.
Repatriation of remains
Covered
Covers transport of the insured's remains (including ashes) to the Czech Republic, or cremation costs abroad if lower than transport cost, within the cumulative Section A/B limit.
Mountain and sea search and rescue
Covered
Search-and-rescue assistance for a missing insured person in the mountains or at sea is included in all tiers, within the cumulative Section A/B limit.
Covid-19 medical expenses
Covered
Covid-19 related medical expenses (including mandatory quarantine costs) are included in the current 06/2023 policy generation within the overall Section A limit; the earlier 07/2022 edition applied separate sub-limits (Silver 3,000,000 / Gold 5,000,000 / Platinum 10,000,000 CZK).
Pre-existing / chronic conditions
Conditional
Chronic illness is shown as covered in the tier table, but only if it qualifies as a 'stabilized chronic condition' - i.e. one that in the 6 months before departure did not indicate a need for treatment, medication change or hospitalization; other pre-existing conditions are excluded.
Winter sports cover
CZK 10,000
Optional Section P rider removes the base-policy winter-sports exclusion; medical/accident/liability limits then mirror the base plan (Sections A-E), plus reimbursement of an unused ski pass up to 10,000 CZK.
Risky sports and competitions cover
Optional
Optional Section O rider removes the base-policy exclusion for risky sports and organized competitions/races; medical, accident and equipment limits mirror the base plan.
Pregnancy complications
Conditional
Cover excludes any event related to pregnancy after the 26th week, or voluntary termination of pregnancy within 3 months before departure. The daily hospitalization benefit for pregnancy or premature birth is capped at 10 days.
Personal liability
CZK 2,500,000 – CZK 10,000,000
Covers liability for personal injury and property damage caused to third parties. Health-damage limit: Silver 2,500,000 / Gold 5,000,000 / Platinum 10,000,000 CZK. Property-damage limit: Silver 2,500,000 / Gold 3,000,000 / Platinum 5,000,000 CZK.
Legal assistance
CZK 50,000 – CZK 200,000
Organization and payment of legal representation/translation costs abroad, limited to civil-liability matters. Silver: 50,000 CZK, Gold: 100,000 CZK, Platinum: 200,000 CZK.
24/7 assistance service
Covered
Emergency multilingual hotline staffed 24 hours a day, 365 days a year (Europ Assistance), including a mobile assistance app with geolocation and online doctor consultation.
Key conditions
Assistance call deadline
You must contact the 24/7 assistance service immediately, or as soon as your health condition allows, in cases of outpatient treatment over EUR 200, hospitalization, transport, repatriation of remains, or arranging a guardian, and obtain their approval.
Unauthorized treatment
If you fail to contact the assistance service when required by the terms, or otherwise breach a duty that materially affected the occurrence, course or extent of the claim, the insurer may proportionally reduce or refuse the insurance benefit.
Purchase while abroad
The policy should normally be arranged before departure, at the latest before crossing the Czech state border. If you are already abroad at the time of conclusion, cover only starts after a 48-hour deferral period.
Chronic conditions
Any condition, illness or injury existing before the policy started is excluded, except for a 'stabilized chronic disease' - one whose state in the 6 months before departure did not suggest a need for treatment, medication change or hospitalization.
Pregnancy
Excludes any pregnancy-related event after the 26th week of pregnancy, or if a voluntary termination of pregnancy took place within 3 months before departure. Hospitalization benefit for pregnancy or premature birth is limited to a maximum of 10 days.
Pre-existing condition exclusions
Medical conditions, illnesses or injuries that existed before the insurance contract was concluded are excluded from cover, unless they qualify as a stabilized chronic condition.
Coverage duration limit
A single-trip policy covers one trip lasting at most 120 days. An annual (multi-trip) policy covers an unlimited number of trips, each no longer than 120 days.
Policy specifics
Medical expenses limit
Maximum coverage for medical expenses during travel up to 250 million CZK
Source24/7 Assistance services
Continuous assistance services in Czech and English with mobile app and online doctor consultation
SourceLuggage and personal belongings
Coverage for lost, damaged or stolen luggage and personal items during travel
SourceCivil liability
Liability coverage for damages to health and property with limits up to 10 million CZK
SourceSports and risky activities
Optional coverage for risky sports, winter sports, recreational sports equipment and participation in races
SourceTerritorial scope
Insurance applies to trips outside Czech Republic and country of permanent residence where statutory health insurance is paid
SourceTravel booking requirement
Insurance must be purchased before departure, latest before crossing Czech Republic border or leaving permanent residence country
SourceClaim notification deadline
Insurance loss must be reported to insurer no later than 30 days after the event occurrence
SourceExcluded travel destinations
Insurance does not cover trips to uninhabited areas, extreme conditions locations, to countries where travel was forbidden by Czech Foreign Ministry, or territories where insured resides/works illegally
SourceCOVID-19 test requirement condition
If destination country requires negative COVID-19 test and insured has choice to test before or after departure, test must be taken before departure to qualify for coverage
SourceMultiple insurance disclosure requirement
Insured must inform insurer of any other travel insurance covering same or similar risks within 30 days of policy start
Source