Komerční pojišťovna, a.s. (trading as KB Pojišťovna)
KB Pojišťovna
KB Pojišťovna is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
For necessary hospitalization abroad, the insurer (via its assistance company AXA Assistance CZ) provides a payment guarantee or financial advance and settles directly with the hospital; other treatment costs are generally reimbursed to the policyholder against original receipts and medical reports.
Geographic scope
Selectable at policy inception: Europe (excluding Czech Republic), Worldwide (including USA), Worldwide excluding USA, or Czech Republic only
Europe covers all foreign European states including Mediterranean and Canary Islands and islands close to the continent, plus Egypt, Israel, Cyprus, Morocco, Tunisia, Turkey and the European part of Russia up to the Ural Mountains/river (excludes Czech Republic); World covers all foreign states/territories including the USA (excludes Czech Republic); World excluding USA covers all foreign states/territories except the USA (excludes Czech Republic); the Czech Republic zone covers domestic trips only and is not available for medical expenses abroad cover nor for the Mini tier.
Unique selling points
- Very high medical-expenses limit of up to 250 million CZK abroad in the Excelent tier, well above typical market minimums.
- Can be used both for trips abroad and for domestic travel within the Czech Republic (Komplet and Excelent tiers).
- Nonstop worldwide assistance service available 24/7 for medical recommendations and emergency coordination.
- Policy can be arranged fully online in under 2 minutes.
- Trip-cancellation cover can be arranged with no deductible, reimbursing up to 100% of non-refundable costs.
Coverage limits
Medical expenses abroad
CZK 2,500,000 – CZK 250,000,000
Covers necessary, unavoidable and reasonably incurred costs of medical treatment abroad due to an acute health condition. Limit depends on tier: Mini 2,500,000 CZK, Komplet 10,000,000 CZK, Excelent 250,000,000 CZK.
Emergency medical treatment
CZK 2,500,000 – CZK 250,000,000
Treatment of an acute health condition (illness or injury requiring immediate treatment) is covered within the overall medical expenses limit of the selected tier.
Hospitalization
CZK 2,500,000 – CZK 250,000,000
Covers hospital stay in a standard room with usual equipment and standard medical care for the necessary period, including diagnostics, surgery, anaesthesia, materials and hospital food, within the overall medical expenses limit.
Outpatient treatment
CZK 2,500,000 – CZK 250,000,000
Medical examinations and outpatient treatment for an acute health condition are covered within the overall medical expenses limit of the selected tier.
Emergency dental treatment
CZK 50,000
First-aid dental treatment to relieve sudden pain is covered up to 50,000 CZK; if the dental treatment is required due to an accident, it is instead covered up to the full medical expenses limit of the selected tier.
Medical transport
CZK 2,500,000 – CZK 250,000,000
Covers medical transport with necessary medical equipment to a doctor or nearest suitable medical facility, transfers between facilities, and helicopter transport from the place of injury/illness to the nearest facility, within the overall medical expenses limit.
Medical evacuation / repatriation
CZK 2,500,000 – CZK 250,000,000
Covers repatriation of the insured (with or without medical escort) from abroad back to the Czech Republic (or country of public health insurance) if the original transport cannot be used for health reasons, within the overall medical expenses limit.
Repatriation of remains
CZK 2,500,000 – CZK 250,000,000
Covers temporary storage and transport of the deceased's remains from abroad, or funeral/cremation abroad if local law prohibits repatriation, within the overall medical expenses limit.
Search and rescue
CZK 2,500,000 – CZK 250,000,000
Covers rescue operations and mountain rescue services necessarily incurred in direct connection with saving life or health in a situation of danger, within the overall medical expenses limit.
Mandated quarantine / infectious disease
CZK 30,000
A confirmed reasonable suspicion of infection with a highly contagious disease (e.g. COVID-19) leading to mandated quarantine abroad is treated as an insured event; accommodation/subsistence costs during mandated quarantine are covered up to 30,000 CZK, while actual medical treatment of the illness itself falls under the general medical expenses limit.
Pre-existing conditions
Conditional
The insurer is not liable for an acute condition related to an illness/injury or its consequences that the insured suffered from or knew about within 6 months before policy inception, regardless of whether treated; this exclusion does not apply to a stabilized chronic condition or costs to avert immediate danger to life.
Winter sports cover
Conditional
Recreational skiing/snowboarding on public, marked slopes is included by default as a 'common sport'. Riskier winter sports (e.g. heliskiing, off-piste skiing, ski touring near lift areas, bobsleigh) require the optional Risky Sports rider, which then applies the medical expenses, accident and liability limits of the selected tier.
Risky/adventure sports rider
Optional
Optional add-on covering rizikové sporty (e.g. climbing up to grade 7 UIAA, rafting WW3–WW5, kitesurfing, bungee jumping) at the medical expenses, accident and liability limits of the selected tier; excludes 'nepojistitelné sporty' such as unguided free-riding, professional sport and deep-water diving beyond 40 m.
Pregnancy complications
Conditional
Costs of treating pregnancy complications are covered (within the medical expenses limit) up to the 24th week of pregnancy, unless it is a risky pregnancy diagnosed before departure; complications after the 24th week, pregnancy termination, childbirth and fertility/contraception treatment are excluded.
Personal liability abroad
CZK 5,000,000 – CZK 20,000,000
Only in Komplet, Excelent
Covers legal liability for unintentional bodily injury, property damage or injury to an animal caused to a third party; included only in the Komplet (5,000,000 CZK) and Excelent (20,000,000 CZK) tiers — not available with Mini.
Legal assistance
No limit stated
No dedicated legal-expenses benefit was found; the policy only provides general assistance such as interpreter services and contact with a local lawyer's name/address arranged by the assistance company.
24/7 assistance service
Covered
AXA Assistance CZ, s.r.o. operates the assistance helpline (+420 272 101 011) year-round, 24 hours a day, in Czech and several foreign languages, coordinating medical recommendations, hospital guarantees, repatriation and other emergency services.
Key conditions
Assistance call deadline
In the event of an insured event, you must contact the AXA Assistance CZ helpline without undue delay; the 24/7 line (+420 272 101 011) is available in Czech and several foreign languages.
Unauthorized treatment
The insurer is not obliged to pay if medical treatment was provided without the prior consent of the assistance company or insurer, except for acute emergency care needed to avert permanent health damage or immediate danger to life.
Purchase while abroad
Insurance can be arranged while already travelling; cover starts at the earliest from midnight of the second day following the arrangement date, and a two-day waiting period applies unless the new policy seamlessly continues an existing identical policy. Trip-cancellation cover cannot be added once travel has begun.
Chronic conditions
The insurer does not cover claims arising from an illness or accident (or its consequences) that the insured suffered from or knew about within six months before the policy's inception, regardless of whether it was treated — except for a stabilized chronic condition or costs to avert immediate danger to life.
Pregnancy
Costs of treating pregnancy complications are covered up to the 24th week of pregnancy (except for a risky pregnancy diagnosed before departure); complications after the 24th week, pregnancy termination, childbirth, fertility treatment and contraception are excluded.
Pre-existing condition exclusions
Pre-existing conditions known or treated within 6 months before the policy start are excluded, except stabilized chronic conditions and life-threatening emergencies.
Coverage duration limit
The policy can be arranged for a minimum of 1 day and a maximum of 364 days; if arranged while already abroad, the maximum validity is 120 days.
Policy specifics
Trip cancellation insurance
Optional add-on coverage for reimbursement of non-refundable travel costs in case of serious reasons preventing trip participation
SourceAccident insurance
Coverage for accidental injuries sustained during travel, including permanent consequences and death from accident
SourceLiability insurance / Third party liability
Coverage for legal liability for unintentional damage to third party health or property; varies by coverage level (up to 20 million CZK)
SourceLuggage / Baggage insurance
Optional coverage for loss or damage to insured luggage and personal belongings during travel
SourceHigh-risk sports insurance
Optional coverage extension for high-risk and extreme sports during travel (e.g., skiing, mountaineering, professional sports)
SourceTerritorial scope / Geographic coverage area
Insurance covers specified geographic areas: Europe, World, or World excluding USA; varies by variant selection
SourceMaximum trip duration
Insurance covers single trips lasting maximum 90 consecutive days; annual unlimited number of trips within this constraint
SourceAssistance service model / Claims processing
Claims processed through AXA ASSISTANCE CZ s.r.o. (24/7 assistance company); direct settlement with medical facilities abroad; reimbursement to policyholder for Czech medical care
SourceInsurance variants / Coverage tiers
Three standard variants available: Mini (basic), Komplet (comprehensive), and Excelent (maximum); each offers different coverage limits and included benefits
Source