ČPP
ČPP is a travel insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
The insurer pays medical costs directly to providers when coordinated through the assistance service (Global Assistance). The insured must contact Global Assistance before obtaining treatment whenever possible. If treatment is obtained without prior authorization, reimbursement may be reduced or denied.
Geographic scope
CZ
Worldwide excluding Czech Republic; selectable: Czech Republic, Europe, World excl. USA/Canada, World
Starting from
CZK 14
Unique selling points
- Medical expenses coverage up to 100,000,000 CZK (approx. 4,000,000 EUR) – among the highest limits available on the Czech travel insurance market.
- 24/7 nonstop assistance in Czech language provided by Global Assistance, including pre-travel advisory, medical emergency coordination, and repatriation organization.
- Fully modular product design: customers choose exactly the coverage modules they need (medical expenses, liability, baggage, accident, sports packages) without being forced into fixed bundles.
- Terrorism-related medical costs covered (sublimit up to 500,000 CZK in MAXI variant), including treatment arising from terrorist acts abroad.
- Online purchase available instantly from 14 CZK/day with immediate policy issuance and the option to purchase up to 10% cheaper than through other channels.
Coverage limits
Medical expenses abroad
Covered
Covers necessary and urgent healthcare abroad including examinations, treatment, hospitalization in standard room, surgery and related costs, medications and medical devices prescribed by a doctor, necessary transport to the nearest medical facility, and costs of an accompanying person. Available in variants MINI (2,500,000 CZK), OPTI (10,000,000 CZK), and MAXI (100,000,000 CZK).
Emergency medical treatment
Covered
Covers urgent examinations, necessary treatment, surgery, medications and medical devices, and necessary transport to the nearest medical facility or hospital. Covered within the overall medical expenses limit.
Hospitalization
Covered
Necessary hospitalization in a standard room with standard equipment covered within the medical expenses limit. No separate sub-limit stated for hospitalization alone; covered up to the overall policy limit.
Outpatient treatment
Covered
Necessary outpatient examinations and treatment covered within the overall medical expenses limit. No specific sub-limit for outpatient treatment separately defined.
Emergency dental treatment
Covered
Covers urgent dental treatment (including extraction or filling) to relieve sudden acute pain. Excludes making and repairing dentures and fixed dental prostheses. Sub-limits: MINI 7,000 CZK, OPTI 20,000 CZK, MAXI 30,000 CZK.
Medical transport
Covered
Covers medically necessary transport from the site of the insurance event to the nearest first aid facility or hospital and back; also covers transport home when the insured cannot use originally planned transport due to health reasons. Covered within the overall medical expenses limit.
Medical evacuation and repatriation
Covered
Covers medically necessary repatriation to the Czech Republic (to a designated medical facility or the insured's place of residence), organized by the insurer's assistance service provider after approval by the insurer's reviewing physician and the treating doctor. Cost of one accompanying person also covered if medically necessary.
Repatriation of mortal remains
Covered
Covers repatriation of the insured's mortal remains to the Czech Republic by a specialized organization approved by the insurer or the assistance service provider. Covered within the overall medical expenses limit.
Search and rescue
Covered
Covers costs of search and rescue operations (search, rescue, ground and air transport from the rescue intervention site to the nearest medical facility) when the insured is in a life- or health-threatening situation. Covered up to the overall medical expenses limit.
COVID-19 treatment
Covered
Covers costs related to COVID-19 illness: necessary and urgent treatment, accommodation and meals related to mandatory quarantine (if not included in pre-paid accommodation), and return transport after quarantine if originally planned transport cannot be used. Sub-limits: MINI 200,000 CZK, OPTI 300,000 CZK, MAXI 500,000 CZK. Excludes countries designated by the Czech Ministry of Foreign Affairs as having extreme COVID-19 infection rates.
Pre-existing conditions
Conditional
Pre-existing conditions are excluded unless the chronic condition was in a stabilized state as medically confirmed before departure with no indication that a doctor visit would be needed during the trip. Stabilized chronic conditions are covered. Any condition whose cause was or must have been known to the insured before policy inception is excluded (except for stabilized chronic states).
Winter sports cover
Optional
Recreational skiing and snowboarding on marked and official trails is covered under the base policy. Dangerous winter sports (ski touring, skeleton, snowmobile) require a sports trip policy type. Extreme winter sports (freestyle snowboarding, backcountry, freeskiing, snowkiting, speedriding, U-ramp riding) are excluded from base cover and require the optional 'Zima plus' add-on for equipment compensation. Medical expenses for dangerous (non-extreme) winter sports are covered if a 'sports trip' type is contracted.
Adventure and dangerous sports cover
Conditional
Dangerous sports (aerial sports, motorsports, water motor sports, water skiing, recreational scuba diving to 40m, ice hockey, horse riding, high-altitude hiking up to 4000m, via ferrata up to grade B, parasailing, snowmobile, etc.) are covered if the trip is classified as a 'sports trip'. Extreme and adrenaline sports (as defined in VPPCP Art. 16.3 – including bungee jumping, rock climbing, canyoning, kayaking, freerunning, off-piste skiing, scuba diving below 40m, base jump, etc.) are excluded from all coverage.
Pregnancy complications
Conditional
Necessary treatment, care, or hospitalization directly related to pregnancy is covered, but only up to 24 weeks of pregnancy (i.e., before the end of the 24th week since the start of pregnancy). Childbirth, postnatal care, abortion, artificial insemination, infertility examinations, and pregnancy monitoring (laboratory, ultrasound) are excluded.
Personal liability
Optional
Covers the insured's statutory liability for damage caused to third parties (injury, death, property damage) during travel. Available in variants MINI (2,500,000 CZK), OPTI (5,000,000 CZK), MAXI (10,000,000 CZK). Also covers damage to temporary accommodation and borrowed items (sublimit 10% of liability limit, max 500,000 CZK). Legal costs covered up to MINI 50,000 CZK / OPTI 200,000 CZK / MAXI 500,000 CZK. No deductible.
Legal assistance costs
Optional
Covers the cost of legal representation and defence in connection with a liability event during travel. Limits per variant: MINI 50,000 CZK, OPTI 200,000 CZK, MAXI 500,000 CZK. Included within the personal liability (DPPODC 1/18) module, which is an optional add-on to base medical expenses coverage.
24/7 Assistance services
Covered
24-hour emergency assistance is included as part of the base travel insurance policy, provided by Global Assistance. Covers pre-travel information, assistance in emergency situations during travel, medical emergency coordination, and repatriation organization. Domestic number: +420 1220; international number: +420 266 799 788.
Key conditions
Assistance call deadline
The insured must contact the assistance service (Global Assistance, +420 1220 domestic / +420 266 799 788 international) immediately upon the occurrence of any event that could give rise to a claim, and must follow their instructions. Treatment obtained without prior contact with or approval from the assistance service may result in a reduced or denied claim.
Unauthorized treatment
If the insured seeks medical treatment without first contacting the assistance service (except in genuine emergencies), the insurer may reduce or deny the claim. Additionally, if the insured is under the influence of alcohol, narcotic or toxic substances, or medication at the time of the insured event, the insurer may reduce the benefit by up to 50%.
Purchase while abroad
If the insurance is concluded after the insured has already departed on the trip, a 3-calendar-day waiting period applies from the date of policy conclusion. This waiting period does not apply if the new policy directly continues a prior CPP travel insurance policy.
Chronic conditions
Chronic diseases in a stabilized state as medically confirmed before departure (with no indication that a doctor visit would be needed during the trip) are covered. Conditions in an unstabilized state or whose cause was known to the insured before policy inception are excluded.
Pregnancy
Pregnancy-related treatment, care, or hospitalization is covered only if it occurs before the end of the 24th week of pregnancy. Childbirth, postnatal care, abortion, artificial insemination, infertility investigations, and pregnancy monitoring (laboratory and ultrasound examinations) are explicitly excluded.
pre_existing_conditions
Pre-existing conditions are generally excluded. Exception: if a chronic disease was in a medically confirmed stabilized state before departure and there were no signs it would require medical attention during the trip, it is covered. Any disease or health condition whose cause was or should have been known to the insured before policy inception is excluded (except stabilized chronic states).
coverage_duration_limit
Short-term (single-trip) policies: maximum 90 days per trip. Annual (multi-trip) policies: maximum 365 days total, with each individual trip limited to 90 days. If the insured cannot return due to a health condition at policy expiry, coverage continues until the insured can return to the Czech Republic, provided this is documented by a medical report.
Where to buy
Documents
Všeobecné pojistné podmínky pro cestovní pojištění VPPCP 1/18
terms_and_conditions
Cestovní pojištění – Informační dokument o pojistném produktu (IPID) 1/CP/CP2/2023
ipid
Doplňkové pojistné podmínky pro pojištění léčebných výloh v zahraničí DPPLV 1/23
terms_and_conditions
Doplňkové pojistné podmínky pro pojištění odpovědnosti v cestovním pojištění DPPODC 1/18
terms_and_conditions
Doplňkové pojistné podmínky pro pojištění zavazadel DPPZAV 1/22
terms_and_conditions
Doplňkové pojistné podmínky pro pojištění úrazu v cestovním pojištění DPPURC 1/23
terms_and_conditions
Policy specifics
Foreign medical expenses coverage
Covers necessary and urgent healthcare, hospitalization, operations, medications, emergency dental treatment, costs of accompanying person, and repatriation to home country
Liability for damage caused to third parties
Covers legal liability for damage caused by insured to third parties' health, life, or property during travel
Baggage and personal items insurance
Covers theft, loss, or sudden external damage to baggage and personal items up to 50,000 CZK
Accident insurance
Covers accidental injury or death; typically included as base coverage with optional supplements
24/7 Assistance Services
24-hour emergency assistance for medical emergencies, transportation, repatriation, and other travel-related issues
Waiting period for insurance purchased abroad
3-day waiting period applies when insurance is purchased from abroad and does not continue previous policy with CPP
Territorial scope variations
Multiple territorial options: Europe (all European states plus parts of Russia, Turkey, Israel, Cyprus); World excluding USA/Canada; World excluding Czech Republic
Trip type classification
Insurance covers: tourist trips (recreation, study, au pair stays), work trips (employee/entrepreneur), sports trips (including dangerous sports and organized competitions)
Maximum policy duration
Short-term policies: maximum 90 days per trip; annual policies: up to 365 days of continuous stay abroad
Modular coverage design
Base coverage includes medical expenses, liability, baggage insurance, and accident insurance; optional supplements available (storno, cancellation, pet insurance, sports equipment, etc.)