ČSOB Pojišťovna Travel insurance (Cestovni Pojisteni Do Zahranici)

Covers necessary medical costs abroad due to accident or acute illness. Sold in three limit tiers: Standard (5 million CZK, basic assistance only), Dominant (15 million CZK, extended assistance), and Premiant (100 million CZK, extended assistance).

Doctor's examination/treatment abroad is covered as part of the medical expenses limit (VPP CP 2021, Part B, Art. 11a); basic assistance also arranges the examination/treatment.

Costs of staying in a medical facility (hospitalization) are covered within the overall medical expenses limit of the chosen tier (VPP CP 2021, Art. 11c); the assistance service also guarantees payment to the facility.

Ambulatory treatment abroad is covered under the medical expenses limit; the basic assistance service arranges the visit and, where needed, transport to and from the facility.

Dental treatment is excluded except accident-related dental injury (paid up to the full medical expenses limit) or treatment of acute pain, which is paid only up to a separate sub-limit stated in the policy. The sub-limit rises with the tier, up to 20,000 CZK in Europe / 40,000 CZK worldwide in the top (Premiant) tier.

Transport of the insured to the nearest suitable medical facility (and back to the place of stay, if needed) is covered when the insured cannot travel unassisted (VPP CP 2021, Art. 11d).

If the insured cannot use the originally planned means of transport for health reasons, the insurer arranges and pays for repatriation to the Czech Republic, deciding on the method, place and timing with the treating doctor's consent (VPP CP 2021, Art. 11e).

In case of death abroad, the insurer covers the transport of the remains to the Czech Republic (or, for non-Czech nationals, potentially to their home country), or funeral/cremation costs abroad up to the amount that transport would have cost (VPP CP 2021, Art. 11f-g).

The insurer states that a mountain rescue service intervention in case of health problems is covered as part of the travel insurance.

COVID-19 is treated as an acute illness and is covered by the medical expenses insurance, provided the relevant state authority has not issued a ban or advisory against travelling to the destination country for COVID-19-related reasons.

Medical expenses cover excludes treatment of an injury or illness that occurred or whose symptoms appeared before departure. The exception is a stabilized chronic condition, i.e. one whose symptoms did not manifest in the 12 months before departure and did not require medical attention.

Winter/risk sports are excluded from the base medical expenses cover unless expressly agreed in the policy; the insurer offers a dedicated add-on for winter sports (e.g. skiing, snowboarding) including mountain-rescue intervention.

Risk sports are excluded unless expressly agreed in the policy, and non-insurable sports (e.g. mountaineering, professional-level sport) are excluded entirely regardless of agreement. A risky-sports rider can be added for an extra premium.

Medical expenses cover applies to pregnancy only for unexpected acute complications occurring during the first 26 weeks of pregnancy, excluding high-risk pregnancy.

Liability insurance for damage to health, property or third-party assets caused while travelling can be arranged in addition to medical expenses cover; it is included by default in the Dominant and Premiant tiers and is optional on Standard. The specific indemnity limit is set in the policy.

Reimbursement of costs of legal defence/protection abroad (e.g. for negligent offences, disputes over compensation for damage, or disputes with a travel-service provider) can be arranged as part of the travel insurance package; indemnity is limited by the policy limit.