SV pojišťovna, a.s.

Assistance call deadline

The insured must contact the assistance service without undue delay in the event of hospitalization or the need for transport, transfer, transport of remains, or arranging an escort — the terms do not specify a fixed number of hours.

Unauthorized treatment

If the insured fails to contact the assistance service as required, or a companion/replacement worker takes actions relating to hospitalization, transport or repatriation without prior approval of the assistance service, the insurer may refuse or reduce the benefit. Transport by air ambulance not previously agreed with the assistance service (outside a genuine emergency) is also excluded.

Purchase while abroad

Insurance can only be arranged before starting the trip it is meant to cover. If the insured is already abroad, a new policy can only be arranged if it directly follows an existing SV pojišťovna travel policy. For the USA&CAN-Trip tariff specifically, the policy cannot be arranged at all if the insured is already abroad.

Chronic conditions

Chronic diseases are excluded from cover, except 'stabilized' chronic conditions — i.e. ones that existed before the policy started but whose status in the preceding 12 months gave no indication that medical help would be needed during the trip.

Pregnancy

Pregnancy, childbirth and post-natal pain and their consequences are excluded, except for complications in pregnancy and premature births where the life of the mother or child is at risk, which are covered as necessary emergency treatment.

Pre-existing condition exclusions

Treatment of an illness that was treated in the 3 months before departure is excluded, unless it is unforeseeable, urgently necessary care to save life, relieve severe pain, or address a worsening of an illness that does not normally prevent travel.

Coverage duration limit

Insurance is arranged for a fixed term, maximum one year. If the term exceeds 180 days, a further one-off policy may only be arranged 30 days after the previous term ends. Single-trip duration is capped at 60 days for the E-TravelMAX/W-TravelMAX annual multi-trip tariffs and at 30 days for E-Card/W-Card and USA&CAN-Trip. If medical treatment abroad continues after the policy ends and the insured is not fit to travel, cover continues for up to a further 90 days.

Repatriation of the insured

Insurance covers costs of transport of the insured back to Czech Republic if necessary medical treatment cannot be provided at the place of stay, including transport of remains in case of death

Flight delay and cancellation compensation

Insurance provides compensation for delayed or cancelled flights and includes flight assistance services (Letový asistent) to help with claims for flight delays, cancellations, missed connections, denied boarding, and lost/damaged luggage

Travel complications insurance

Covers most common travel difficulties: early return costs (additional transport to Czech Republic if unable to return as planned), unused vacation compensation (for each unused day of prepaid vacation due to serious reasons), and missed departure assistance (alternative transport if departure is missed)

Recreation sports and adrenaline sports coverage

Base policy covers over 100 recreational sports and activities (e.g., swimming, cycling, skiing on marked slopes, skating). Adrenaline sports (rafting, via ferrata, diving to 40m depth) and extreme sports (mountaineering, freediving, diving over 40m, aerial sports) can be added as optional coverage

Lost travel documents

Insurance covers costs of issuing new travel documents (passport, visa, etc.) abroad up to CZK 10,000 according to selected tariff

Financial emergency assistance

In case of loss of money (e.g., theft), insurance provides interest-free loan up to CZK 50,000 for 30 days

Geographic coverage options

E-TravelMAX covers Europe (including Egypt, Israel, Cyprus, Morocco, Tunisia, Turkey); W-TravelMAX covers the whole world with unlimited coverage for Europe and CZK 2,000,000 limit for worldwide coverage. USA and Canada have limited coverage (48 hours for transfer only)

Medical treatment scope

Insurance covers necessary medical treatment including dentistry, hospital stay, medications, and transport to treatment location or return home after treatment. Does not cover non-acute or cosmetic procedures or procedures not performed by qualified medical personnel

Reporting of travel plan changes

Policyholder and insured must inform insurer without undue delay of any changes concerning the insured, insurance coverage, and changes in insured persons during insurance term

Truthful and complete disclosure requirement

Policyholder and insured are obligated to truthfully and completely answer all questions from insurer when concluding insurance contract and throughout insurance term

Claims notification and assistance service contact

Insured must contact assistance service and truthfully describe circumstances of loss/damage and its extent. For minor treatment, can pay out of pocket and seek reimbursement with documentation (receipts and medical report)

Current geographic restrictions

As of current situation, insurance cannot be arranged for travel to Belarus, Russia, and Ukraine. Automatic extension of insurance is provided for clients currently in: UAE, Saudi Arabia, Oman, Qatar, Kuwait, Jordan, Israel, Iran, Lebanon, Bahrain, Yemen due to Middle East security situation

Premium payment methods and calculation

Premium can be paid as recurring (běžné) or single (jednorázové) depending on selected tariff. Administrative surcharge (nákladové přirážky) is calculated as 45% of premium. Payment must be made on or before start date of insurance