Union poisťovňa, a.s., branch for the Czech Republic
Union pojišťovna
Union pojišťovna is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Not explicitly detailed in the reviewed sources; treatment costs during a claim are typically coordinated and settled through the insurer's 24/7 assistance service.
Geographic scope
Slovakia, Europe (incl. Turkey, Algeria, Morocco, Tunisia, Cyprus, Egypt, Israel, Jordan, Armenia, Azerbaijan, Georgia, and the European part of Russia), Outside Europe, or Worldwide, depending on the selected zone
Insurance can be arranged for four territorial zones: Slovakia; Europe (plus listed non-European Mediterranean/Caucasus states); Outside Europe (all countries except USA, Canada, Australia, New Zealand, Japan, South Africa); or Worldwide (all countries except Czechia and the insured's country of permanent residence).
Unique selling points
- Unlimited medical expense coverage included as standard, which is a rarity among Czech travel insurance products.
- Winter sports on marked trails are covered in the basic package at no extra premium.
- Nonstop 24/7 assistance service is a mandatory part of every package variant.
- Customers can build their own custom (VLASTNÍ) coverage scope instead of choosing a pre-set package.
- Flexible policy duration ranging from a single day up to a full year in one contract.
Coverage limits
Medical expenses
unlimited
Medical expenses incurred abroad are covered without a specific monetary limit, up to the actual costs incurred.
Emergency medical treatment
unlimited
Emergency medical treatment abroad is covered under the unlimited medical expenses benefit.
Hospitalization
unlimited
Hospitalization costs are covered as part of the unlimited medical expenses benefit; no separate cap is stated in reviewed sources.
Outpatient treatment
unlimited
Outpatient treatment abroad is covered as part of the unlimited medical expenses benefit.
Emergency dental treatment
Not established from the reviewed documents
No specific limit for emergency dental treatment was found in the reviewed sources for this product.
Medical transport
Covered
Medical transport is arranged through the insurer's nonstop assistance service; no separate monetary limit is stated in reviewed sources.
Medical evacuation
Covered
Medical evacuation is coordinated through the nonstop assistance service; no separate limit is stated in reviewed sources.
Repatriation of remains
Covered
Repatriation is included as part of the assistance services package; no separate monetary limit is stated in reviewed sources.
Search and rescue costs
Not established from the insurer's documents
Technical assistance/search-and-rescue costs are included only in the OPTIMUM package tier.
COVID-19 treatment
Not established from the reviewed documents
Union offers a separate 'Individuální cestovní pojištění – Pandemic' IPID product for pandemic-related risks; this is a distinct product and not part of the core travel medical coverage reviewed here.
Pre-existing conditions
Not established from the reviewed documents
No specific statement on pre-existing conditions coverage was found in the reviewed sources for this product.
Winter sports cover
Covered
Winter sports on marked trails are covered in the basic insurance at no additional premium.
Risky/adventure sports cover
Optional
Risky sports or manual work can be added as optional additional insurance for an extra premium.
Pregnancy complications
Not established from the reviewed documents
No specific statement on pregnancy-related coverage was found in the reviewed sources for this product.
Personal liability
Not established from the insurer's documents
Liability insurance is not part of the BASIC package but is additionally included in the STANDARD and OPTIMUM package tiers; the exact limit amount was not found in reviewed sources.
Legal assistance
Not established from the reviewed documents
No specific statement on legal assistance coverage was found in the reviewed sources for this product.
24/7 assistance
Covered
A nonstop assistance service is available around the clock during travel and is a mandatory part of all package variants.
Key conditions
Assistance call deadline
Not explicitly stated in the reviewed sources; the assistance service should generally be contacted as soon as possible in the event of a claim.
Unauthorized treatment
Specific penalty terms for treatment arranged without contacting the assistance service are set out in the general terms and conditions (VPPCPCZ/1018); no percentage or amount was found in the reviewed marketing sources.
Purchase while abroad
Not explicitly addressed in the reviewed sources; travel insurance of this type is generally arranged before the start of the trip.
Chronic conditions
No specific statement on chronic disease coverage for this product was found in the reviewed sources.
Pregnancy
No specific statement on pregnancy-related conditions for this product was found in the reviewed sources.
Pre-existing condition exclusions
No specific statement on pre-existing condition exclusions for this product was found in the reviewed sources.
Coverage duration limit
The insurance is intended for private, business, or study trips abroad lasting from one day up to a full year.
Documents
General terms and conditions of travel insurance VPPCPCZ/1018
Terms & conditions
IPID – Individual travel insurance abroad ICP/0620
IPID
Scope of insurance and coverage amounts for Individual travel insurance 1220
Table of benefits
Insurance booklet for Individual travel insurance
Other document
Information for applicants concluding an Individual travel insurance contract
Other document
Policy specifics
Unlimited medical expenses
Medical expenses in foreign countries are covered without a specific limit (unlimited coverage)
SourceWinter sports coverage
Winter sports are covered at no additional premium in the basic coverage for marked trails
SourceOptional risky sports coverage
Coverage for risky sports or manual work can be added as optional additional insurance
Source24/7 Assistance services
Continuous assistance service available 24 hours a day, 7 days a week during travel
SourceWorldwide coverage scope
The insurance covers travel to countries and regions worldwide, as specified in the policy
Source