Generali Česká pojišťovna

Assistance call deadline

In the event of hospitalization, the insured must contact the assistance center immediately (directly or through an intermediary) as soon as their health condition permits. For repatriation or the need to call a guardian, prior notification and approval from the assistance center is mandatory. For complex examinations (CT, ultrasound, endoscopy, non-acute surgical procedures, non-standard blood tests) prescribed by a physician, prior approval from the assistance center is required before costs are incurred. Failure to contact the assistance center may result in reduction or refusal of the insurance benefit.

Unauthorized treatment

If the insured undergoes specialist examinations (e.g. CT scan, ultrasound, endoscopy, non-acute surgical procedures, non-standard blood laboratory tests) without prior approval from the assistance center, the costs will not be reimbursed. Additionally, if the insured refuses repatriation organized by the assistance center that the assistance center's physician deemed possible, subsequent treatment or repatriation costs will not be covered. Non-compliance with insurer/assistance center instructions can result in proportional reduction of benefits.

Purchase while abroad

Insurance can be arranged during an already commenced trip, provided that at the time of conclusion neither the policyholder nor the insured knew or could have known that an insured event had already occurred or would occur. If the newly concluded insurance does not immediately follow a travel insurance policy with the same insurer in terms of time, the insurer applies a waiting period of 3 days from the date of conclusion. No benefit is payable for any insured event occurring during the waiting period.

Chronic conditions

Chronic diseases are explicitly excluded from medical expenses coverage. A chronic disease is defined as a condition existing on the policy start date for which the insured was treated, hospitalized, experienced a change in health condition, or a change in treatment in the 12 months prior to departure. Treatment and surgery of chronic diseases are not covered.

Pregnancy

Medical expenses coverage applies to pregnancy complications only up to the 26th week of pregnancy (inclusive). Examinations to confirm pregnancy, termination of pregnancy, any complications after the 26th week, fertility examinations and treatment, in vitro fertilisation, routine check-ups during pregnancy, childbirth, and high-risk pregnancies are all explicitly excluded. Trip cancellation due to serious health complications of pregnancy up to the 26th week (unambiguous threat to the life of the mother or unborn child requiring hospitalization or bed rest) is a covered event under trip cancellation insurance.

pre_existing_conditions

Conditions that were treated, diagnosed, or under examination before the policy start date are excluded. This includes any injury or illness whose cause arose before the policy start date (general exclusion), as well as treatment of pre-existing injuries or diseases under the medical expenses section. There is no exception for acute flare-ups of pre-existing conditions.

coverage_duration_limit

Insurance can be arranged for a fixed term specified in the insurance contract, for a maximum of one year. Annual insurance with repeated trips abroad is also available, with each individual trip limited to a maximum duration specified in the insurance contract (typically up to 90 days per trip for annual policies). For single-trip policies the maximum duration is 365 days.

Trip cancellation insurance

Optional coverage for financial losses due to trip cancellation; must be arranged within 3 days of full payment

Accident insurance

Covers permanent consequences of accidents, death from accident, and daily compensation for specified injuries during travel

Repatriation

Covers costs for transporting injured or deceased persons back to Czech Republic, including emergency medical evacuation

Liability insurance

Covers financial liability for damage caused to third parties' health or property during travel

Sports coverage

Base policy covers 77+ recreational sports; high-risk or organized sports require additional coverage add-ons

Rental vehicle damage

Covers deductible (co-insurance) for unintentional damage to rented vehicles; limit up to 50,000 CZK

Acute dental treatment

Limited coverage for emergency dental treatment; typically restricted to one claim per policy period

Mountain rescue

Covers costs for mountain rescue services when emergency care is needed in mountainous or high-altitude regions

Territorial scope options

Policy can be arranged for three territorial scopes: Europe, World, or Czech Republic

Maximum altitude restriction

Insurance does not cover stays or activities above 6,000 meters altitude

Trip cancellation insurance timing

Trip cancellation must be arranged within 3 days of full payment; for trips booked less than 15 days before departure, must be arranged on the day of booking

Maximum single trip duration

Single-trip policies are limited to maximum 365 days; annual travel policies allow individual trips up to 90 days

Pregnancy coverage limit

Medical expenses coverage applies only up to 26 weeks of pregnancy; does not cover high-risk pregnancies

Assistance center contact requirement

For medical emergencies or accidents abroad, insured person must contact assistance center immediately; failure may affect claim

Sanctioned territories exclusion

No coverage for travel to or stays in sanctioned territories: Belarus, Donetsk, Kherson, Iran, North Korea, Crimea, Cuba, Luhansk, Russia, Syria, Venezuela, Zaporizhzhia regions

COVID-19 coverage

Coverage applies to COVID-19 in dark red, red, orange, and green-coded countries without additional riders; excludes countries under Czech MFA travel ban