Kooperativa

Covers necessary and reasonable costs of medical treatment or treatment of acute illness or injury of the insured person abroad that are medically necessary. Includes outpatient treatment, hospitalisation, medicines and medical aids prescribed by a doctor, emergency dental treatment for acute pain, transport to the nearest medical facility, repatriation to the Czech Republic, and accompanying person costs. KLASIK variant: 10,000,000 CZK per insured event; PLUS variant: 100,000,000 CZK per insured event.

Covers medically necessary and urgent treatment to stabilise the insured's condition so they can continue travelling or be transported back to the Czech Republic. Non-urgent planned operations or treatment that can be postponed until return are not covered. Costs are covered within the overall LVZ limit (KLASIK: 10,000,000 CZK; PLUS: 100,000,000 CZK).

Covers the costs of hospital stay for the medically necessary duration in a standard room including meals, or in an intensive care unit if medically required. Covered within the overall LVZ limit (KLASIK: 10,000,000 CZK; PLUS: 100,000,000 CZK). Stays in rehabilitation facilities, spa resorts, sanatoria, and psychiatric facilities are excluded.

Covers outpatient medical treatment including materials, diagnostic means, medicines and medical aids prescribed by a doctor, and use of medical equipment. Covered within the overall LVZ limit (KLASIK: 10,000,000 CZK; PLUS: 100,000,000 CZK). Nutritional, strengthening or vitamin preparations are excluded even if prescribed by a doctor.

Covers dental treatment limited to simple filling or extraction for acute pain, and simple repairs of dentures damaged during the stay abroad. Includes medicines prescribed in connection with the above. Subject to a sublimit within the LVZ limit: KLASIK 20,000 CZK; PLUS 30,000 CZK. The sublimit applies to all insured events for the duration of the insurance. The sublimit does not apply if dental treatment is related to a head injury.

Covers transport of the insured to the nearest medical facility capable of providing necessary care, and return transport from such facility to the insured's place of stay abroad, if the insured cannot use public transport for objective reasons. Covered within the overall LVZ limit.

Covers transport (repatriation) of the insured from abroad back to the Czech Republic once the health condition permits, if the original transport could not be used due to the insured event, or if the insured's health does not allow them to remain abroad or the insured requires non-urgent planned surgery that cannot be medically postponed. Must be pre-approved by the assistance company or insurer. Covered within the overall LVZ limit. In the event of terrorism preventing assistance services, costs are reimbursed after return on presentation of original invoices.

Covers the transport (repatriation) of the insured's mortal remains from the place of death to the place of their interment in the Czech Republic, including necessary ancillary costs, if pre-approved by the assistance company or the insurer. Alternatively covers funeral of the insured in the country of death if repatriation is not permitted by local law, or cremation with sending of urn to Czech Republic. Also covers transport and accommodation of one close person attending the funeral abroad, within the LVZ sublimit.

Covers costs of mountain rescue service (HZS) or other institutions carrying out rescue activities in mountain areas or other difficult natural environments (e.g. maritime rescue service), if necessarily incurred in direct causal connection with the rescue of the insured in a life- or health-threatening situation and if the insured is legally obliged to pay them. Sublimit applies within the overall LVZ limit: KLASIK 500,000 CZK; PLUS 1,000,000 CZK. Not covered if the rescue service was intentionally abused or if the risk arose from gross negligence or deliberate disregard of the rescue service's instructions.

Covers necessary and reasonable costs of medical treatment for COVID-19 illness abroad, included at no extra charge with the LVZ insurance. Limit 5,000,000 CZK for both KLASIK and PLUS variants. Provided only if agreed in the policy.

Skiing and snowboarding on marked and publicly open slopes, trails and access paths are covered under the base LVZ insurance (standard sport) from M-750/23 onwards. This includes all variants. Skiing and snowboarding off marked trails, acrobatic skiing, ski jumping, speedriding, freeride, ski touring (skialpinismus) are excluded from the base cover. The older M-750/18 terms required an 'active sports' add-on for skiing/snowboarding; the current M-750/23 terms include these in the standard sport tier.

24/7 assistance services provided by Global Assistance a.s. (tel. +420 266 799 779, ga@1220.cz) are included with LVZ insurance. Services include: arranging doctor/hospital, organising funeral abroad, covering necessary telephone calls, assistance with replacement travel documents, financial assistance intermediation, missed departure transport costs, telephone interpretation. Pre-travel assistance (tourist, travel, safety and legal-administrative information) and TRAVEL ASISTENT (flight irregularity assistance via Click2Claim, +420 226 258 015) are included at no extra charge.