Kooperativa pojišťovna, a.s., Vienna Insurance Group

Assistance call deadline

Any accident or acute illness requiring medical treatment must be reported to the assistance company as soon as objectively possible, and no later than 3 days after it occurs.

Unauthorized treatment

The insured may personally settle medical costs up to CZK 3,000 without contacting the assistance company; the insurer is not obliged to pay if costs exceeding CZK 3,000 are paid directly without the prior consent of the insurer or assistance company.

Purchase while abroad

If the insurance is arranged after the insured has already departed abroad and does not directly follow a previous Kooperativa travel policy, a 7-day waiting period applies from the date the policy is concluded, during which no insured events are covered.

Chronic conditions

Costs related to illnesses or injuries that existed, or whose symptoms had already appeared, before departure are not covered, except for medical care needed for the acute worsening of a stabilized chronic illness that directly endangers life or health.

Pregnancy

Costs related to pregnancy, artificial termination of pregnancy, miscarriage or childbirth are excluded, except for medical treatment of unexpected acute pregnancy complications occurring up to 10 weeks before the expected delivery date, provided it was needed to avert immediate danger to the life of the mother or child; complications arising from a risk pregnancy are not covered.

Pre-existing condition exclusions

Medical costs for illnesses known to the insured before the start of the insurance, or for injuries/illnesses whose symptoms appeared before departure, are excluded from cover.

Coverage duration limit

KOLUMBUS single-trip insurance can be arranged for a maximum of one year (365/366 days). KOLUMBUS ABONENT and KOLUMBUS ABONENT RODINA are arranged for repeated trips abroad, with each individual trip covered for a maximum of 45 consecutive calendar days; the number of trips during the insurance period is unlimited. If medically necessary, LVZ cover may be extended by up to a further 6 weeks.

Medical expenses abroad

Core coverage for medical treatment, hospitalization, medications, and repatriation

COVID-19 medical expenses

Coverage for COVID-19 treatment costs in all countries worldwide

Free coverage for children up to 6 years

Children under 6 years traveling with adult are covered free of charge

Travel Assistant Service

Automatic assistance with flight delays, cancellations, and missed connections

Recreational sports coverage

Automatic coverage for recreational sports activities in basic package

Czech territory exclusion

Medical expenses coverage does not apply on Czech territory

Maximum policy duration

KOLUMBUS single trip insurance maximum duration is one year

7-day insurance effective window

Insurance becomes effective 7 days after contract signing if signed without valid travel document

24-hour new illness exclusion

If new non-continuous travel insurance sjednáno after departure, insured event within 24 hours not covered

Two coverage variants: KLASIK and PLUS

KOLUMBUS offers choice between KLASIK (5M Kč limit) and PLUS variant with different coverage limits

7-day waiting period for late-purchased policies

If the insurance is concluded after the insured has already departed abroad and the new policy does not directly follow a previous Kooperativa travel policy, no benefits are paid for insured events occurring within a 7-day waiting period from the date the policy was concluded.