Generali Česká pojišťovna a.s.
Generali
Generali is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
For hospital and outpatient treatment abroad, the insurer's foreign partner settles the costs directly on the insured's behalf via the assistance centre (Europ Assistance). If the insured is required to pay in cash, the insurer reimburses these costs only if the amount was pre-approved by the assistance centre; this pre-approval condition does not apply to total treatment costs up to 5,000 CZK, which are reimbursed directly.
Geographic scope
Europe, Worldwide, or Czech Republic (three selectable territorial scopes)
Three territorial scopes are available: Czech Republic; Europe (all European countries except the Czech Republic, plus Algeria, Armenia, Azerbaijan, Egypt, Georgia, Israel, Jordan, Lebanon, Libya, Morocco and Tunisia); or World (all countries except the Czech Republic). Medical expenses insurance is not offered under the Czech Republic territorial scope. Coverage does not apply in Belarus, the Donetsk, Kherson, Luhansk and Zaporizhzhia regions, the Russian Federation, Iran, North Korea, Crimea, Cuba and Venezuela (with a US nexus), and Syria, unless agreed otherwise in the policy.
Unique selling points
- Online purchase unlocks an additional 20% discount on top of already reduced rates.
- Base rates for selected European destinations have been cut by up to 43%.
- Children under 6 travel insured free of charge, and minors up to 17 receive a 50% discount.
- The deductible on damage accidentally caused to a borrowed vehicle abroad is covered as standard.
Coverage limits
Medical treatment expenses
CZK 5,000,000 – CZK 100,000,000
The base limit for medical expenses is chosen in the policy at 5,000,000 / 25,000,000 / 100,000,000 CZK and is included in all packages (START, STANDARD, EXCLUSIVE); covers necessary treatment of an accident or sudden illness abroad.
Emergency medical treatment (hospital or outpatient)
CZK 5,000,000 – CZK 100,000,000
Hospital or outpatient treatment following an accident or acute illness abroad is covered up to the base medical expenses limit chosen in the policy, included in all packages.
Hospitalization costs
CZK 5,000,000 – CZK 100,000,000
Costs of hospitalization abroad (treatment, procedures and operations that cannot be postponed) are covered up to the base medical expenses limit, included in all packages. A separate optional daily cash benefit for hospital stays (pojištění pobytu v nemocnici) exists only in the EXCLUSIVE package, see product-specific constraints.
Outpatient treatment
CZK 5,000,000 – CZK 100,000,000
Outpatient examination and treatment following an accident or acute illness is covered up to the base medical expenses limit, included in all packages.
Emergency dental treatment
CZK 20,000
Sudden, unbearable toothache requiring urgent treatment during the trip is covered up to 20,000 CZK per insured person within the policy period, included in all packages.
Medical transport
CZK 5,000,000 – CZK 100,000,000
Transport to the nearest medical facility, or transfer to another facility if the current one cannot provide the required care, is covered up to the base medical expenses limit, included in all packages.
Medical evacuation / repatriation
CZK 5,000,000 – CZK 100,000,000
If the insured is unable to travel back to the Czech Republic using the originally planned transport for health reasons, repatriation is organized and paid for by the insurer up to the base medical expenses limit, included in all packages.
Repatriation of remains
CZK 5,000,000 – CZK 100,000,000
In the event of the insured's death abroad, transport of the remains back to the Czech Republic, or costs of burial/cremation abroad and transport of the urn, are covered up to the base medical expenses limit, included in all packages.
Mountain rescue service intervention
CZK 5,000,000 – CZK 100,000,000
Costs of a ground or air mountain rescue intervention (e.g. loss of orientation, inability to continue due to injury, avalanche, sudden weather change) are covered up to the base medical expenses limit, included in all packages.
COVID-19 related treatment
CZK 5,000,000 – CZK 100,000,000
Hospital or outpatient treatment or repatriation related to COVID-19 is covered up to the base medical expenses limit, included in all packages; travel-advisory-related exclusions may still apply.
Pre-existing conditions
Excluded
Treatment of an illness or injury whose cause existed before the policy start, including treatment or surgery for chronic conditions, is excluded from cover.
Winter sports cover
Covered
Recreational skiing and snowboarding, cross-country skiing, skating, sledding etc. on marked, publicly accessible pistes/tracks are covered as standard without surcharge. Off-piste and extreme winter sports (e.g. ski touring, freeride, acrobatic skiing, skiing outside marked pistes) fall under 'riziková cesta' and require this optional add-on.
Adventure / risk sports cover
Optional
Risk and adventure sports and activities (e.g. canyoning, bungee jumping, high-altitude trekking above 3,500 m, extreme diving, motorsport) are only covered if the 'riziková cesta' (risk trip) add-on is purchased with the policy; it cannot be bought as a standalone product.
Pregnancy complications
Conditional
Complications of pregnancy are covered under medical expenses up to the 26th week of pregnancy; examinations to confirm pregnancy, interruption, complications after the 26th week, and childbirth are excluded.
Personal liability in everyday life
Conditional
Only in STANDARD, EXCLUSIVE
Covers the insured's legal liability to compensate a third party for bodily injury or property damage caused in everyday life abroad (e.g. recreational sport, occasional use of non-motorized boats, pet ownership); included in the STANDARD and EXCLUSIVE packages only, not in START. The limit is set individually in the policy.
Enhanced assistance and legal services
Conditional
Only in EXCLUSIVE
Covers legal assistance/costs after a road accident, consumer disputes with a local service provider, and claims for damages/personal injury, plus related interpreter/translator costs. Included as standard only in the EXCLUSIVE package; can be added as an optional supplement to other packages.
24/7 assistance service
Covered
The insurer's assistance centre (Europ Assistance s.r.o.) provides help to insured persons abroad in urgent situations; the insured may contact it at any time in connection with the policy or a claim, and communication with the insurer takes place in Czech.
Key conditions
Assistance call deadline
In case of an accident, sudden illness, hospitalization or trip interruption occurring outside the Czech Republic, the assistance centre (or, for other claim types, the insurer) must be contacted without undue delay after becoming aware of the event.
Unauthorized treatment
Costs of advanced examinations (e.g. CT, ultrasound, endoscopy, non-acute surgery) recommended by a doctor but not pre-approved by the insurer or assistance centre are excluded, as are costs of repatriation organized by the insured or others without the assistance centre's prior approval.
Purchase while abroad
Insurance can also be concluded during an already-started trip, provided the policyholder did not know and could not have known that an insured event had already occurred or would occur. If the new policy does not immediately follow a previous Generali travel policy, a 3-day waiting period from the conclusion date applies, during which no claims are covered.
Chronic conditions
Treatment of chronic illnesses is excluded from cover.
Pregnancy
Pregnancy-related complications are covered under medical expenses up to the 26th week; pregnancy testing, interruption, complications after the 26th week, and childbirth are excluded. For trip cancellation/interruption, serious pregnancy complications up to the 26th week requiring hospitalization or bed rest are an insured event.
Pre-existing condition exclusions
Illnesses or injuries whose cause existed prior to the start of the insurance, including chronic conditions, are excluded from cover.
Coverage duration limit
A policy can be concluded for a maximum period of one year; an annual policy with repeated trips outside the Czech Republic is also available, with the maximum length of a single trip specified in the policy contract.
Where to buy
Policy specifics
Trip cancellation insurance
Optional coverage for cancellation fees and prepaid trip costs in case of insured events
SourceLuggage and belongings insurance
Coverage for loss, theft or damage to personal luggage and belongings during travel
SourceInjury and accident insurance
Coverage for permanent injury consequences, death from accident, and daily compensation for specified injuries
SourceLiability insurance for damages caused
Coverage for reimbursement of damage caused unintentionally on borrowed vehicles during travel
Source24/7 assistance services
Round-the-clock professional assistance in Czech language for medical emergencies, repatriation, and mountain rescue
SourceHospital stay daily benefit
A separate lump-sum daily benefit (obnosové pojištění) for hospitalization abroad, paid as sum insured x number of hospitalization days, requiring hospitalization to last continuously more than 48 hours.
SourceGeographic coverage territory
Insurance available for three territorial scopes: Europe (excluding Czech Republic), World, or Czech Republic
SourcePackage tiers and variants
Travel insurance offered in three main package levels: EXCLUSIVE, STANDARD, and START; annual package CESTOVATEL also available
SourcePolicy commencement and coverage period
Insurance commences upon payment of full premium; coverage begins when crossing Czech border and ends upon return to Czech Republic; single trip max 90 days
SourceChildren and youth discounts
Children under 6 years: free travel insurance; youth 6-17 years: 50% discount on travel insurance
SourcePregnancy coverage conditions
Medical expenses coverage extends to pregnancy complications up to week 26; high-risk pregnancies excluded from coverage
SourceSports and activity coverage
Base package covers 77+ recreational sports without additional premium; organized sports and risk sports require separate add-on insurance
SourceOnline purchase discount
Additional 20% discount when purchasing insurance online at generaliceska.cz
SourceWaiting period for policy renewal
3-day waiting period applies if new policy does not immediately follow previous travel insurance contract
Source