ČPP Travel insurance (Cestovni Pojisteni)

Covers necessary and urgent medical care abroad (examination, treatment, hospitalization in a standard room, surgery, prescribed medicines). Limit tiers: MINI 2,500,000 CZK, OPTI 10,000,000 CZK, MAXI 100,000,000 CZK.

Necessary examination, treatment and urgent surgery are covered within the overall medical expenses limit (MINI/OPTI/MAXI 2,500,000 / 10,000,000 / 100,000,000 CZK).

Necessary hospitalization of the insured in a standard room with standard equipment is covered within the overall medical expenses limit.

Necessary examination and outpatient treatment needed to establish a diagnosis and treatment plan are covered within the overall medical expenses limit.

Urgent dental treatment (incl. extraction or filling) to remove sudden pain is covered, excluding dentures/fixed prosthetics; sublimit MINI 7,000 / OPTI 20,000 / MAXI 30,000 CZK.

Transport that is medically necessary from the site of the event to the nearest first-aid facility or hospital and back is covered within the overall medical expenses limit.

Medically necessary repatriation to the Czech Republic, approved by the insurer's medical reviewer and treating physician, is covered within the overall medical expenses limit.

Transport of the insured's remains back to the Czech Republic by a specialized organization approved by the insurer or assistance provider is covered within the overall medical expenses limit.

Costs of search, rescue and ground/air transport by rescue services to the nearest medical facility are covered up to the applicable total medical expenses limit for all tiers (MINI/OPTI/MAXI).

Costs related to COVID-19 illness are covered as a sublimit within medical expenses (MINI 200,000 / OPTI 300,000 / MAXI 500,000 CZK), except for countries designated by the Ministry of Foreign Affairs as having extreme infection incidence.

Illness or a change of health condition whose cause was known to the policyholder or insured before the contract was concluded is excluded, unless it is a stabilized chronic condition confirmed by a physician before departure as not requiring medical attention during the trip.

Recreational skiing and snowboarding on marked, official runs is covered as a recreational sport within the base travel cover; skiing/snowboarding off marked runs and other dangerous or extreme winter sports require the trip to be designated a 'sportovní cesta' and are otherwise excluded.

'Dangerous sports' (e.g. air sports, motor sports, diving to 40m, horse riding, high-altitude trekking) can be covered by designating the trip a 'sportovní cesta', unless agreed otherwise in the policy; 'extreme and adrenaline sports' (e.g. off-piste skiing, mountaineering, canyoning, BASE jumping) remain excluded outright regardless of trip type.

Necessary treatment or hospitalization directly related to pregnancy is covered within the overall medical expenses limit only if not more than 24 weeks have elapsed since the pregnancy began; childbirth, puerperium, abortion and fertility investigations are excluded.

Optional module covering the insured's legal liability for bodily injury or property damage caused to third parties during the trip; limit tiers MINI 2,500,000 / OPTI 5,000,000 / MAXI 10,000,000 CZK.

Within the optional liability module, costs of legal representation and defence of the insured are covered up to a separate sublimit: MINI 50,000 / OPTI 200,000 / MAXI 500,000 CZK.