Slavia pojišťovna a.s.

Assistance call deadline

In the event of an insured event under medical-expenses cover, the insured must always contact the insurer's contracted assistance service without delay (if health permits) and follow its instructions; failure to do so allows the insurer to refuse or reduce the benefit.

Unauthorized treatment

Costly examinations/procedures (CT, ultrasound, endoscopy, non-acute surgery, non-standard blood tests) require prior approval by the insurer or assistance service, and repatriation arranged without their prior consent is not covered; not following assistance instructions generally allows the insurer to reduce or refuse the benefit.

Purchase while abroad

The policy can only be arranged before departure from the Czech Republic; both conclusion of the contract and payment must demonstrably take place on Czech territory, and it cannot be concluded from abroad (an 8-hour deferral period after payment also applies).

Chronic conditions

Treatment of a chronic illness is excluded if that illness required hospitalization or a significant change in treatment/medication in the preceding 12 months, and illnesses that recurred within the previous 18 months are also excluded.

Pregnancy

Pregnancy tests, interruption, infertility treatment/IVF, routine prenatal checkups, and any complication after the 24th week of pregnancy (including childbirth) are excluded from cover.

Pre-existing condition exclusions

The insurer may refuse to pay for illness or injury whose cause arose before the policy began, or that was already apparent or ascertainable before the policy started.

Coverage duration limit

For the annual policy for repeated trips (CPOV), each individual stay abroad must not exceed 90 calendar days, the insured must spend at least one week in the Czech Republic after any trip longer than 30 continuous days, and the number of trips is unlimited; the insurance also auto-extends (max. 30 days) if return is prevented by strikes/terrorism/natural disaster, or without a fixed cap if a documented acute illness or injury prevents return (limited then to medical expenses and repatriation only).

Medical Expenses Coverage

Coverage for necessary medical treatment costs arising from acute illness or injury during travel, with multiple limit options available

Excluded Countries/Territories

Insurance does not apply to certain countries/regions including Afghanistan, Chad, Iraq, Iran, Libya, Pakistan, Somalia, Sudan, Syria, Ukraine, and territories where Czech Ministry of Foreign Affairs advises against travel

Travel Cancellation Insurance

Optional add-on coverage for cancellation or interruption of travel

Sports Coverage

Coverage for recreational and winter sports included automatically in basic price; high-risk sports require separate coverage option with distinct premium and conditions

Vehicle Assistance

Technical assistance coverage for vehicle breakdown, accident, or repatriation during foreign travel for personal automobiles or motorcycles

Pet Insurance

Optional coverage for companion animals (dogs or cats) allowing them to be insured during travel

Baggage and Personal Belongings

Insurance for travel baggage and personal items in case of damage, destruction, or theft

Maximum Single Trip Duration

Short-term policies cover individual trips up to maximum 180 days; long-term policies extend to 365 days

Policy Must Be Arranged Before Departure

Insurance can only be arranged before departure from Czech Republic; cannot be concluded from abroad

Annual Policy for Repeated Trips

Annual policy option available for customers making multiple trips throughout the year with each trip limited to 90 days maximum

Full Disclosure and Information Obligation

Policyholder and insured must truthfully and completely answer all insurer questions when arranging, modifying, or renewing the insurance policy

Age Eligibility

Insurance can be arranged for persons with entry age from 0 years