Pojišťovna VZP, a.s.

Assistance call deadline

The insured must contact the insurer's assistance provider without undue delay whenever their state of health allows, and follow its instructions (Section A, Art. 14(1)); no fixed number of hours is stated for this general duty. A specific 3-working-day deadline applies only to reporting delayed-baggage/delayed-transport claims (Section D, Part II, Art. 5(4)).

Unauthorized treatment

There is no separate monetary 'penalty' clause; instead, an event is excluded from the medical expenses cover if the insured refuses to undergo repatriation, treatment or medical examination directed by the physician designated by the insurer or its assistance provider (Section B, Art. 6(18)). More generally, breach of the insured's duties allows the insurer to reduce the benefit in proportion to the effect of that breach (Section A, Art. 4(12)).

Purchase while abroad

The documents define 'commencement of the trip' (nastoupení cesty) as the moment the insured boards a means of transport in the Czech Republic to reach their destination, implying the policy is designed to be arranged before departure from the Czech Republic; the reviewed sources do not separately address purchasing the policy while the insured is already abroad.

Chronic conditions

A 'long-term stabilized chronic condition' is defined as a condition existing before the policy start that has been stable for the preceding 6 months, required no hospitalisation and involved no change in treatment or medication (Section A, Art. 2(9)). A sudden change of such a condition is an insured medical event (Section B, Art. 3), but treatment of the underlying chronic disease itself, and conditions foreseeable/known at contracting, remain excluded (Section A, Art. 5(2)).

Pregnancy

Childbirth (including premature birth and the puerperium), abortion, artificial insemination, fertility examination/treatment and pregnancy-monitoring examinations/contraception are excluded from the medical expenses cover (Section B, Art. 6(1)). Separately, hospitalisation caused by pregnancy other than childbirth is an insured peril under the optional NADSTANDARD hospitalisation daily-benefit cover (Section H, Art. 3(c)).

Pre-existing condition exclusions

Section A, Art. 5(2) generally excludes events whose cause was predictable or known to the policyholder/insured when the contract was concluded. The specific carve-out for a 'long-term stabilized chronic condition' (see chronic_diseases) is the main exception allowing cover for a sudden acute change of an existing condition.

Coverage duration limit

A single-trip policy may run from 1 day up to 1 year. Alternatively, an annual 'repeated stay' (opakovaný pobyt) policy covers an unlimited number of trips during the policy year, provided no single continuous stay abroad exceeds 90 days (to be proven on request, e.g. via ticket or employer/school confirmation). If the insured cannot return to the Czech Republic independently of their will before the policy period ends, the period is automatically extended, without additional premium, for up to 7 days (Section A, Art. 9(2)).

Trip cancellation insurance

Coverage of cancellation fees for travel services or accommodation in case of illness or injury; key difference between Standard and Nadstandard packages with different co-insurance rates

Flight delay and luggage loss coverage

Coverage for expenses related to flight delays and lost or delayed baggage; included in Standard and Nadstandard packages only, not in Mini

Alcohol tolerance in coverage

Unique feature allowing coverage up to 1.0 blood alcohol level (1 promille) if local laws are respected; higher than standard industry practice in Czech Republic

Rented item coverage

Coverage extends to borrowed or rented items (scooters, surfboards, paddleboards, inline skates, diving equipment) in addition to personal belongings

COVID-19 and quarantine expenses

Nadstandard package covers COVID-19 related expenses including accommodation, food, medicines, and return home costs if stranded abroad due to quarantine

Medical deductible coverage

Travel medical expense insurance covers full cost of deductibles for treatment, hospitalization, and prescription drug charges within EU countries

Repatriation and body transport coverage

Travel insurance fully covers costs of repatriating injured or ill client to Czech Republic including professional medical accompaniment, and transport of body in case of death

Terrorism risk coverage

Terrorism risk is standard component of PVZP travel insurance at no additional cost

Coverage limit tiers

Three insurance limit levels available: Limit 5 (lowest, most economical), Limit 25 (standard for European travel), Limit 100 (recommended for non-European destinations). Each package tier (Mini/Standard/Nadstandard) available at all three limit levels.

Territorial coverage regions

Two defined geographic regions: Area E (Europe, European Russia to 60°E meridian, North Africa including Morocco/Algeria/Tunisia/Libya, Turkey, Israel, Jordan, Cyprus) and Area S (worldwide including USA, Australia, others)

Policy duration options

Two policy types: single-trip insurance (1 to 365 days) or annual multi-trip insurance with maximum 90 consecutive days per trip for repeated foreign travel

Assistance service provider

AXA Assistance (AXA Assistance CZ, s.r.o.) provides 24/7 multilingual assistance services for policyholders, including emergency support, medical facility coordination, and legal advice

High-risk and extreme sports supplementary insurance

Supplementary insurance for dangerous and extreme sports activities categorized by risk level; can be added to any package tier. Activities documented in official list with specific risk classifications.

Premium payment terms

Single (one-time) premium due on policy inception date. Payment accepted in cash, by credit card, or bank transfer to insurer's account using policy contract number as variable symbol.

Claims and hospitalization procedures

For medical events: contact assistance service immediately (24/7); assistance provider coordinates care and may guarantee payment. Hospitalization must be reported within claims investigation period. Maximum hospitalization duration is 30 days per insured event.

Claims reporting and hospitalisation procedure

In case of a medical event, the insured must contact the insurer's assistance provider without undue delay (if their health condition allows) and follow its instructions (Section A, Art. 14(1)). For the optional NADSTANDARD hospitalisation daily-benefit cover, hospitalisation is counted from its first day, the first and last day together count as one day, no benefit is paid for hospitalisation under 24 hours, and the maximum benefit period is 30 days per insured event; the claim can only be settled once the hospitalisation, or the 30-day maximum, has ended (Section H, Art. 4).