CSOB Pojistovna

Assistance call deadline

The insured must contact the assistance service without undue delay upon occurrence of a loss event abroad and follow its instructions. If the insured does not contact the assistance service, the insurer is entitled to limit the benefit to the amount the assistance service would have arranged. For vehicle assistance, prior telephone contact before any service is required.

Unauthorized treatment

If the insured seeks medical treatment without contacting the assistance service (where contact was possible), the insurer may reduce the benefit to the amount that would have been arranged through the assistance service. Non-cooperation with the insurer's investigation of the loss event may also result in reduced or denied claims.

Purchase while abroad

Insurance can be additionally arranged via the website or client centre even after departure abroad. In such cases the insurance is valid at the earliest one hour after conclusion of the policy contract, provided the premium is paid promptly.

Chronic conditions

Chronic disease is excluded from medical expenses coverage even if it developed from an acute illness. Exception: a stabilized chronic disease (i.e., one whose health status in the 12 months before departure did not indicate a need for medical assistance during travel) is covered.

Pregnancy

Pregnancy-related costs (routine care, voluntary termination, miscarriage, childbirth and complications) are excluded. Exception: medical treatment for unexpected acute complications during the first 26 weeks of pregnancy (excluding high-risk pregnancy) is covered within the medical expenses limit.

pre_existing_conditions

Medical expenses related to illnesses or injuries that occurred or whose symptoms manifested before departure are excluded, with the exception of stabilized chronic disease. The insured must truthfully answer all health-related questions at policy inception; failure to do so may affect the validity of claims.

coverage_duration_limit

Insurance covers events occurring abroad where continuous stay duration does not exceed 120 days. If the insured is involuntarily stranded abroad after the policy period expires (e.g., due to natural disaster, epidemic, strike, hospitalization), the policy is automatically extended by the minimum time necessary to ensure return to the Czech Republic, up to a maximum of 30 consecutive days.

Medical assistance services

24/7 medical assistance services available to support insured persons with healthcare coordination, medical facility recommendations, and repatriation assistance

Trip cancellation/cancellation fees insurance

Coverage for cancellation fees charged by travel agencies, transportation providers or accommodation facilities when the insured must cancel their trip before departure due to specified serious reasons

Baggage loss and damage insurance

Coverage for loss, theft, or damage to personal luggage and contents during travel, applicable in higher coverage variants

Acute dental treatment coverage

Coverage for emergency dental treatment necessitated by acute pain during travel abroad

Trip interruption coverage

Coverage for additional costs incurred when insured must interrupt or cut short their trip after departure due to serious reasons

Flight delay coverage

Coverage for additional expenses incurred when a flight is delayed by a specified minimum duration, covering accommodation, meals and replacement transport costs

Missed departure/departure delay coverage

Coverage for costs incurred when insured misses scheduled transport departure due to circumstances beyond their control

Baggage delay coverage

Coverage for necessary replacement items when baggage is delayed for a specified minimum duration upon arrival

Liability insurance

Coverage for insured's legal liability for damage caused to third parties' health or property during travel

Accident insurance

Coverage for accidental bodily injury including death, permanent injury consequences, daily benefit for treatment period, and lump-sum hospitalization allowance

Geographic scope and duration limitation

Insurance covers events occurring abroad where continuous stay duration does not exceed 120 days; automatic extension possible under specified circumstances

Pre-existing medical conditions disclosure requirement

Insured must truthfully and completely answer questions regarding health status and pre-existing conditions; failure to do so may affect claim validity

Mandatory cooperation with assistance service

For medical claims exceeding specified threshold (typically CZK 500 or equivalent), insured must contact assistance service as soon as possible; pre-authorization required for major interventions

Cancellation insurance timing requirement

Cancellation coverage must be arranged within 3 business days of concluding the travel service agreement; arrangement after this period may result in modified coverage terms

Sports and activities exclusions/limitations

Insurance covers recreational sports (skiing, swimming, tennis) and standard tourist activities; hazardous and extreme sports excluded; specialist coverage available for risky activities (mountaineering, professional sports)

Territory selection requirement

Insured must select applicable geographic coverage area at policy inception; coverage applies only to selected territory or permitted stopover areas; change of territory during trip only applies from next departure