Czech Business Insurance Company, a.s., Vienna Insurance Group
ČPP
ČPP is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
The insurer's assistance service provides a guarantee and direct settlement of medical treatment costs abroad (checking and paying the costs, medical monitoring), so the insured does not have to pay upfront in serious cases.
Geographic scope
Selectable territorial scope: Czech Republic, Europe, World excluding USA and Canada, or World
Cover applies to claims occurring in the territory selected in the policy; the insured trip must originate from the Czech Republic.
Unique selling points
- Medical expenses abroad can be insured up to a ceiling of 100,000,000 CZK, far above typical market minimums.
- COVID-19 treatment and terrorism-related costs are built into the medical expenses cover as included sublimits rather than separately priced add-ons.
- Free 24/7 assistance service (Global Assistance) handles medical emergencies, lost documents, and stolen baggage in the Czech language.
- A wide range of selectable add-on modules (Zvíře plus, Auto plus, Guard plus, Golf plus and more) lets customers tailor cover precisely to their trip.
- If the return trip is delayed for reasons beyond the insured's control, cover is automatically extended by up to 72 hours at no extra premium.
Coverage limits
Medical expenses abroad
Covered
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.
Emergency medical treatment
Covered
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).
Hospitalization
Covered
Necessary hospitalization of the insured in a standard room with standard equipment is covered within the overall medical expenses limit.
Outpatient treatment
Covered
Necessary examination and outpatient treatment needed to establish a diagnosis and treatment plan are covered within the overall medical expenses limit.
Emergency dental treatment
Covered
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.
Medical transport
Covered
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.
Medical evacuation / repatriation
Covered
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.
Repatriation of remains
Covered
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.
Search and rescue in distress
Covered
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).
COVID-19 treatment
Covered
Costs related to COVID-19 illness are covered as a sublimit within medical expenses (MINI/OPTI 200,000 CZK, MAXI 500,000 CZK), except for countries designated by the Ministry of Foreign Affairs as having extreme infection incidence.
Pre-existing conditions
Conditional
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.
Winter sports cover
Conditional
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.
Adventure / dangerous sports cover
Optional
'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.
Pregnancy complications
Conditional
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.
Personal liability abroad
Optional
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.
Legal representation costs
Optional
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.
24/7 assistance service
Covered
Free pre-trip and travel assistance is provided 24 hours a day by the insurer's appointed assistance provider (Global Assistance), including medical guidance, guarantee/payment of medical costs and help with lost documents or stolen luggage.
Key conditions
Assistance call deadline
The insured must contact the assistance service without undue delay upon any event that could give rise to a claim and follow its instructions; no fixed number of hours is specified.
Unauthorized treatment
If a claim arises in connection with alcohol, narcotics or drugs, the insurer may reduce the benefit by up to one half; refusal of treatment/examination requested by the insurer or non-compliance with the treatment regimen may also lead to denial of that part of the claim.
Purchase while abroad
If the policy is concluded after the insured has already started the trip, a three-calendar-day waiting period from conclusion applies before cover takes effect; this does not apply when arranging a directly follow-on policy.
Chronic conditions
Illness or a change in health whose cause was known before conclusion of the contract is excluded, except for a stabilized chronic condition confirmed by a doctor before departure as not expected to require medical attention during the trip.
Pregnancy
Necessary treatment, care or hospitalization directly related to pregnancy is covered only if not more than 24 weeks have elapsed since the pregnancy began; childbirth, puerperium, abortion and fertility examinations are excluded.
Pre-existing condition exclusions
The insurer does not provide benefits for illness or a change in health condition whose cause was known to the policyholder or insured before the contract was concluded, unless it is a stabilized chronic condition.
Coverage duration limit
The policy runs for a maximum of 365 days (long-term trip); a short-term trip covers 1–90 days. If the return is delayed for reasons beyond the insured's control, cover is automatically extended, without extra premium, by up to 72 hours.
Documents
General Terms and Conditions for Travel Insurance VPPCP 1/18
terms_and_conditions
Insurance Product Information Document - Travel Insurance
ipid
Supplementary Terms for Medical Expenses Insurance Abroad DPPLV 1/23
terms_and_conditions
Supplementary Terms for Travel Liability Insurance DPPODC 1/18
terms_and_conditions
Supplementary Terms for Accident Insurance in Travel Insurance DPPURC 1/23
terms_and_conditions
Supplementary Terms for Storno Plus (Trip Cancellation) DPPSTP 1/23
terms_and_conditions
Supplementary Terms for Cesta Plus (Trip Disruption) DPPCP 1/22
terms_and_conditions
Policy specifics
Luggage insurance
Coverage for personal belongings including loss, theft, or damage of baggage during travel; up to 50,000 CZK compensation mentioned
Liability insurance
Coverage for legal liability for damages caused to third parties' health or property during travel
Accident insurance
Coverage for accidental injury including death benefit and permanent disability compensation
Trip cancellation insurance
Coverage for non-refundable costs of travel services (accommodation, transportation, etc.) if trip must be cancelled due to covered reasons
Trip disruption compensation
Coverage for compensation of unused holiday days if trip is interrupted or must be cut short due to hospitalization, accident, or other serious reasons
Short-term travel duration
Insurance covers trips of duration 1-90 days
Territorial scope
Insurance applies to trips outside Czech Republic; coverage can be limited to Europe or extended to World depending on policy variant
Extreme sports exclusion
Extreme and adrenaline sports are not covered as standard sport travel; however, these can be added via special add-ons
Claims settlement timeframe
Insurance benefit is payable within 15 days from completion of claim investigation by the insurer
Scope of medical care coverage
Covered medical care includes: necessary examination for diagnosis, necessary treatment, necessary hospitalization in standard room, medical supplies and medication
24/7 Assistance service included
Product includes free 24/7 emergency assistance service operated by Global Assistance