ČSOB Pojišťovna, a.s., member of the ČSOB holding
ČSOB Pojišťovna
ČSOB Pojišťovna is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
The insurer's assistance service can provide a direct payment guarantee to hospitals and clinics for ambulatory and inpatient treatment; smaller costs are typically paid by the insured and reimbursed afterwards on submission of receipts and a medical report.
Geographic scope
Territorial scope selectable as Czech Republic (domestic), Europe, or Worldwide (excluding the Czech Republic)
Tuzemsko = Czech Republic; Europe = a defined list of European and Mediterranean-rim states (Czech Republic not included); World = all states except the Czech Republic
Unique selling points
- Medical expense cover of up to 100 million CZK in the top (Premiant) tier, well above typical market minimums.
- Free 24/7 assistance line with Czech-speaking operators reachable from anywhere in the world.
- Up to 20% discount for arranging the policy online.
- Family policies (2 adults plus up to 3 children) can cost up to 50% less than buying individual policies.
- COVID-19 illness is treated the same as any other acute illness and is covered under medical expenses.
Coverage limits
Medical Expenses (léčebné výlohy)
CZK 5,000,000 – CZK 100,000,000
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).
Emergency Medical Treatment
Covered
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.
Hospitalization
Covered
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.
Outpatient Treatment
Covered
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.
Emergency Dental Care
CZK 5,000 – CZK 40,000
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.
Medical Transport
Covered
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).
Medical Evacuation / Repatriation
Covered
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).
Repatriation of Remains
Covered
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).
Mountain Rescue / Search and Rescue
Covered
The insurer states that a mountain rescue service intervention in case of health problems is covered as part of the travel insurance.
COVID-19 Treatment
Conditional
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.
Pre-existing Conditions
Conditional
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 Sports Cover
Optional
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.
Adventure / Risky Sports Cover
Optional
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.
Pregnancy Complications
Conditional
Medical expenses cover applies to pregnancy only for unexpected acute complications occurring during the first 26 weeks of pregnancy, excluding high-risk pregnancy.
Personal Liability
Optional
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.
Legal Assistance
Optional
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 sjednáno as part of the travel insurance package; indemnity is limited by the policy limit.
24/7 Assistance
Covered
A Czech-speaking assistance service is available 24 hours a day, 365 days a year from anywhere in the world whenever medical expenses cover is in force; extended assistance (informational, legal, translation services) is additionally provided in the Dominant and Premiant tiers.
Key conditions
Assistance call deadline
In the event of a claim, the insured must contact the insurer's assistance service without undue delay and follow its instructions.
Unauthorized treatment
If the insured does not contact the assistance service or does not follow its instructions, the insurer may limit the indemnity to the amount that the assistance service would otherwise have arranged for the same services.
Purchase while abroad
The policy can be arranged online or via the client centre even after departure; in that case cover starts no earlier than one hour after conclusion of the contract and immediate payment of the premium.
Chronic conditions
Chronic illnesses are excluded from medical expenses cover, except a stabilized chronic condition whose symptoms did not manifest in the 12 months before departure.
Pregnancy
Cover for pregnancy is limited to unexpected acute complications occurring during the first 26 weeks, excluding high-risk pregnancy.
Pre-existing condition exclusions
Treatment of an injury or illness that occurred, or whose symptoms appeared, before departure is excluded, other than a stabilized chronic condition.
Coverage duration limit
If the insured is forced, independently of their will, to remain abroad past the end of the agreed insurance period (e.g. due to transport restrictions or hospitalization), cover is automatically extended by up to 30 consecutive days.
Policy specifics
Trip Cancellation
Optional coverage for cancellation fees in case of serious illness or other justified reasons
SourceTier Structure (Standard / Dominant / Premiant)
The retail travel insurance is sold in three named tiers with linearly increasing medical-expenses limits: Standard (5 million CZK, basic assistance), Dominant (15 million CZK, extended assistance, plus accident, liability, luggage, trip-interruption and flight-delay cover), and Premiant (100 million CZK, extended assistance, highest sub-limits).
Source24/7 Assistance Services
Round-the-clock assistance for medical emergencies, accommodation, interpretation, and document replacement
Source