PVZP Travel insurance (Cestovni Pojisteni)

Covers necessary and reasonable costs of medical services provided abroad due to a sudden serious illness or accident (including a sudden change of a long-term stabilized chronic condition): diagnosis, standard treatment, necessary hospitalisation in a multi-bed room, surgery, medicines and medical devices, transport to the nearest first-aid facility, medically necessary repatriation, and emergency dental treatment. Included in MINI, STANDARD and NADSTANDARD. The chosen limit variant in the pojistná smlouva sets the limit at CZK 5 million, 25 million or 250 million; the same limit applies to all agreed covers.

Covers necessary examinations to establish diagnosis and treatment plan, and necessary standard treatment, as part of the medical expenses cover. Included in MINI, STANDARD and NADSTANDARD, subject to the same overall limit variant as medical_expenses.

Necessary hospitalisation in a multi-bed standard room is covered as part of the medical expenses cover (included in MINI, STANDARD and NADSTANDARD). Separately, if the NADSTANDARD package's Section H (Pojištění pro případ hospitalizace) is agreed, the insurer additionally pays a fixed daily cash benefit for each day of hospitalisation abroad caused by an accident, serious illness, or pregnancy (excluding childbirth), for a maximum of 30 days per insured event; no benefit is paid for hospitalisation shorter than 24 hours, and this daily benefit does not apply to events occurring in the Czech Republic.

Necessary outpatient examinations and standard treatment needed to establish diagnosis and treatment are covered as part of the medical expenses cover, in the same scope and packages as medical_expenses (MINI, STANDARD, NADSTANDARD).

Covers emergency dental treatment to remove sudden acute pain, excluding periodontal treatment, removal of plaque/tartar, and the making or repair of dentures, crowns, bridges, fixed dental replacements or orthodontic devices. This is a sub-limit (dílčí limit) carved out of the overall medical expenses limit. Included in MINI, STANDARD and NADSTANDARD.

Covers medically necessary transport from the place where the insured event occurred to the nearest facility providing first medical aid or to hospital. Included in MINI, STANDARD and NADSTANDARD as part of the medical expenses cover.

If medically necessary and approved by the insurer's medical reviewer with the treating physician's consent, the insurer arranges and pays for repatriation of the ill or injured insured to a healthcare facility in the Czech Republic (or their place of residence), including, where justified, the cost of a necessary escort. Included in MINI, STANDARD and NADSTANDARD.

Covers transport of the insured's remains to their place of residence in the Czech Republic, carried out by a specialised organisation approved by the insurer or its assistance provider, plus, where justified, further related costs after prior approval. Included in MINI, STANDARD and NADSTANDARD; the Asistence Plus cover additionally reimburses local funeral costs abroad or the return-trip costs of a fellow traveller/close person in case of death.

Mountain rescue costs (search, extraction, evacuation transport, and transport of remains) up to 5,000 m above sea level are covered under separate Section G (Pojištění zásahu horské záchranné služby). It is a base component of NADSTANDARD; for MINI and STANDARD it can be added as an optional (fakultativní) supplement. Under the medical expenses cover (Section B), search/rescue operations are excluded unless a genuine health-related insured event occurred first.

The standard exclusion for costs arising from an ordered preventive quarantine/isolation (Section B, Art. 6(4)) is lifted only if Section Q (Pojištění vybraných výluk) is agreed, which is a base component of the NADSTANDARD package only. In that case, Section Q covers placement in a healthcare facility, accommodation at the place designated by a doctor or authority (including full-board meals), and the additional cost of returning home if the quarantine/isolation lasts beyond the originally planned return date, up to the medical expenses limit selected in the policy.

Events whose cause was predictable or known before the policy start are generally excluded (Section A, Art. 5(2)). However, a 'long-term stabilized chronic condition' (stabilized for the preceding 6 months, requiring no hospitalisation and no change of treatment/medication, Section A, Art. 2(9)) is specifically defined, and a sudden change of such a condition is an insured medical event (Section B, Art. 3). Routine/expected exacerbations of a known unstable condition remain excluded.

Skiing, snowboarding and cross-country skiing on marked/designated pistes/trails are classified in the Seznam činností a sportů as activities requiring no supplement, i.e. included at no extra premium. Higher-risk winter disciplines differ: moguls, speed skiing, sledge/bobsleigh racing and snowmobile downhill require the paid 'Extrémní činnosti a sporty' supplement, while freeride skiing/snowboarding, ski touring/skialpinism and heliskiing are listed as uninsurable (nepojistitelné) and excluded regardless of any supplement.

Activities classified as 'Nebezpečné činnosti a sporty' (e.g. belayed rock climbing, mountain-bike downhill/single track) or 'Extrémní činnosti a sporty' (e.g. alpine downhill ski racing, canyoning, via ferrata grade D) require a paid supplementary cover selected at inception; work at height follows a graded system (no supplement under 5 m, 'nebezpečné' 5-10 m, 'extrémní' 10-30 m). The most extreme disciplines (e.g. alpinism, base jumping, cave diving, heliskiing, ice climbing) are listed as uninsurable (nepojistitelné) and cannot be covered at all.

Under the medical expenses cover (Section B, Art. 6(1)), childbirth (including premature birth and the puerperium), abortion, artificial insemination, fertility examination/treatment and pregnancy-monitoring examinations are explicitly excluded and never reimbursed as medical expenses. However, under the separate Section H (Pojištění pro případ hospitalizace, a base component of NADSTANDARD only), hospitalisation caused by pregnancy (excluding childbirth itself) is a named insured peril, paying the agreed daily cash benefit for up to 30 days.

Covers the insured's legal liability for bodily injury, property damage or harm to a live animal (and related consequential financial loss) caused to a third party in ordinary civil life abroad, up to the limit chosen in the policy, subject to a long list of exclusions (e.g. liability from gainful/professional activity, hunting, motor vehicles, borrowed/entrusted property other than accommodation-related items, environmental damage, product liability, damages awarded by US/Canadian courts). Included in MINI, STANDARD and NADSTANDARD; the exact CZK limit is set by the overall limit variant chosen in the policy, not stated as a specific figure in the reviewed T&Cs.

As part of the liability cover, the insurer pays the costs necessary for the legal defence of the insured against a claim that both the insured and the insurer consider unfounded (Section E, Art. 4(7)). No separate limit is stated for this benefit beyond the overall liability limit.