Hasičská vzájemná pojišťovna, a.s.
HVP
HVP is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
For travel medical insurance provided by PVZP (the underwriting partner for HVP's travel insurance product), the insurer's assistance service settles the cost of covered medical treatment directly with the hospital or healthcare provider. PVZP's assistance service can issue a payment guarantee ("předgarance") to the medical facility for a defined amount of care, and invoices are sent by the provider straight to PVZP for settlement rather than being paid upfront by the client. Minor costs such as prescription medication may need to be paid by the client first and then reimbursed by the insurer on request.
Geographic scope
Europe and worldwide, split into 'Zone E' and 'Zone S'
Zone E covers all European states, the European part of Russia (east to the 60° E meridian), Morocco, Algeria, Tunisia, Libya, Egypt, Turkey, Israel and Cyprus.
Unique selling points
- Customers choose between three selectable tiers (MINI, OPTIMAL, ELITE), letting them scale coverage from basic medical/liability protection up to a full package with accident, belongings and hospitalization cover.
- Coverage explicitly extends to work-related trips such as au-pair placements and internships, not just leisure travel.
- The top ELITE tier adds a hospitalization benefit that is not available in the lower MINI or OPTIMAL tiers.
- Policies can be arranged fully online through HVP's own travel insurance calculator, with the selected date starting the insurance period immediately.
Coverage limits
Medical expenses abroad
Covered
No limit stated
Core coverage for necessary medical treatment abroad, included in all three tiers (MINI, OPTIMAL, ELITE); exact monetary limit not published on the reviewed pages.
Emergency medical treatment
No limit stated
Not separately specified in the reviewed sources.
Hospitalization compensation
Conditional
Only in ELITE
A hospitalization benefit is included only in the ELITE tier (not MINI or OPTIMAL); this appears to be a lump-sum daily benefit rider rather than a cost-of-treatment reimbursement.
Outpatient treatment
No limit stated
Not separately specified in the reviewed sources.
Emergency dental treatment
No limit stated
Not found in the reviewed sources.
Repatriation of remains
No limit stated
Not found in the reviewed sources.
Mountain rescue service intervention
Optional
Listed as an available coverage component on HVP's foreign travel insurance page, alongside trip cancellation cover; appears to be an optional add-on separate from the MINI/OPTIMAL/ELITE base tiers.
Pre-existing conditions
No limit stated
Not found in the reviewed sources.
Winter sports cover
No limit stated
Not found in the reviewed sources.
Adventure sports cover
No limit stated
Not found in the reviewed sources.
Pregnancy complications
No limit stated
Not found in the reviewed sources.
Liability insurance
Covered
No limit stated
Liability cover for damage caused to third parties is included in all three tiers (MINI, OPTIMAL, ELITE); exact monetary limit not published on the reviewed pages.
24/7 assistance service
Covered
A professional assistance team is available around the clock for emergencies during travel abroad, described as part of the core package.
Key conditions
Where to buy
Policy specifics
Medical treatment and healthcare abroad
Coverage for emergency medical treatment, hospitalization, and healthcare expenses while traveling abroad
SourceSource no longer reachableLiability coverage
Coverage for liability claims for damage caused to third parties while traveling
SourceSource no longer reachableAccident insurance
Coverage for accidents during travel, including death and permanent consequences of injury
SourceSource no longer reachablePersonal belongings and luggage
Coverage for loss or damage to personal items and luggage during travel
SourceSource no longer reachableHospitalization compensation
Compensation for hospitalization costs while traveling abroad
SourceSource no longer reachableTrip duration limits
Coverage available for both short-term and long-term stays, up to 365 days continuous abroad
SourceEligible age range
The insured person must be aged between 15 and 79 years to be eligible for this travel insurance.
SourceSource no longer reachableSources
- https://cestovni.hvp.cz/Controllers/FormSteps/_TravelHvp_Step1.php?pid=16749152Source no longer reachable
- https://prodej.mesec.cz/cestovni-pojisteni/texty/cestovni-pojisteni-hasicska-vzajemna-pojistovna/
- https://www.epojisteni.cz/cestovni-pojisteni-hasicska-vzajemna-pojistovna-hvp/
- https://www.hvp.cz/pojisteni-osob/cestovni-pojisteni/cestovni-pojisteni-v-zahranici/