UNIQA
UNIQA is a travel insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
Upon hospitalization the insured must immediately contact the insurer's assistance service; the insurer or assistance service pays the hospital costs directly. For outpatient care, if the attending physician does not accept a payment guarantee from the assistance service, the insured pays in cash and is reimbursed in CZK after returning to the Czech Republic.
Geographic scope
CZ
Valid in the geographic zone agreed in the policy (Zone 1: Europe incl. Egypt, Israel, Morocco, Tunisia, Turkey; Zone 2: Worldwide; Zone 4: World excl. USA and Canada). Coverage excludes Czech Republic and countries where the insured has permanent/temporary residence or citizenship, unless the insured pays Czech public health insurance for at least 1 year.
Starting from
CZK 50
Unique selling points
- Medical expenses coverage up to 25,000,000 CZK on the top K25 tariff – significantly above the statutory minimum and most Czech market competitors.
- Emergency dental treatment is included in all tariffs up to the full medical expenses limit, with no separate sublimit – often charged as an extra by competitors.
- 24/7 non-stop assistance service in Czech language is standard in all tariffs, with direct payment to hospitals and coordination of medical repatriation.
- Winner of the Zlatá koruna 2022 award in the travel insurance category – an independently verified quality recognition on the Czech financial products market.
- Search and rescue costs (including mountain rescue) are included as part of the standard assistance services in all tariffs, up to 7,500,000 CZK on the K25 tariff.
Coverage limits
Medical expenses (treatment costs abroad)
Covered
Covers necessary and demonstrable costs of essential medical treatment abroad due to accident or sudden illness, including outpatient care, hospitalization in a standard room, prescribed medicines, and transport to the nearest suitable medical facility. Limit depends on tariff: L5/K5 = 5,000,000 CZK; L7/K7 = 7,000,000 CZK; L10/K10 = 10,000,000 CZK; K15 = 15,000,000 CZK; K25 = 25,000,000 CZK.
Emergency medical treatment
Covered
Covered as part of medical expenses insurance. Insured event is an accident or unpredictable acute illness abroad requiring outpatient or inpatient treatment. Limits identical to medical expenses.
Hospitalization
Covered
Covers stay in a standard hospital room for medically necessary duration, supported by a medical report, for treatments and operations that could not be postponed until return to the Czech Republic. Insured must immediately contact the assistance service. Combined medical expenses and assistance services maximum benefit applies.
Outpatient treatment
Covered
Covered within the medical expenses insurance. Insured may contact the assistance service for help locating a doctor. If the outpatient physician does not accept a payment guarantee, the insured pays in cash and is reimbursed after returning to the Czech Republic.
Emergency dental treatment
Covered
Dental treatment due to accident or first aid for acute pain is covered within the medical expenses limit. Only emergency first aid in urgent painful cases is covered: simple filling or extraction. Specialist dental care, prostheses, orthodontics, and cosmetic dental procedures are excluded. Per the tariff table, covered up to the full medical expenses limit.
Medical transport
Covered
Covered within the medical expenses insurance. Includes transport to the nearest suitable medical facility when the insured is unable to use ordinary transport; transport from the physician to the nearest suitable specialist hospital; helicopter transport only in accident cases requiring emergency hospitalization.
Medical evacuation / repatriation of insured
Covered
Covered within the assistance services insurance. The insurer covers transport of the insured (who is unable to travel by ordinary means) from the foreign hospital to their place of permanent residence in the Czech Republic. The timing, method, and logistics are decided by the insurer or assistance service in consultation with the treating physician. If the insured refuses a medically feasible repatriation, the obligation to cover further medical expenses ceases.
Repatriation of remains
Covered
Covered within the assistance services insurance. The insurer covers the transport of the insured's remains who died as a result of an insured event or natural death back to the Czech Republic. Timing, method, and logistics are decided by the insurer or assistance service. Limit is the same as for medical expenses and assistance services combined maximum.
Search and rescue costs
Covered
Covered within the assistance services insurance. The insurer covers purposefully incurred costs to avert an imminent insured event or mitigate consequences of an event that has already occurred, including costs of search and rescue operations (e.g., mountain rescue service). Limit depends on tariff: L5/K5 = 1,500,000 CZK; L7/K7 = 2,100,000 CZK; L10/K10 = 3,000,000 CZK; K15 = 4,500,000 CZK; K25 = 7,500,000 CZK. The VPP UCZ/Ces/10 specifies a default limit of 500,000 CZK, but contractual terms override this with the tariff-specific amounts.
COVID-19 treatment
Conditional
COVID-19 is treated as any other acute illness under the medical expenses coverage, provided it arises suddenly and unexpectedly during the trip abroad. Conditions for exclusions (pre-existing conditions, hospitalization in the prior 12 months) apply equally. No explicit COVID-19 exclusion or separate COVID-19 clause is present in the VPP UCZ/Ces/10 documents provided. Coverage is conditional on the illness being an unpredictable acute illness, not a pre-existing condition.
Pre-existing conditions
Excluded
Treatment or operation of chronic illness is excluded if the illness required hospitalization during the previous 12 months, or was progressing, or caused substantial changes in medication usage. Medical care related to illnesses or injuries that existed before the conclusion of the insurance contract is also excluded.
Winter sports coverage (add-on)
Optional
Winter sports (skiing and snowboarding on marked slopes, cross-country skiing on marked trails, skating, ice hockey, ski bobs, snowmobile, speed skating, figure skating, bobsled, sports sled, snowbike and similar activities) are excluded from basic coverage. The exclusion is waived if winter sports add-on is included in the policy (tariffs with '+' suffix, e.g. L5+, K5+). Coverage limit is the same as the medical expenses limit for the selected tariff.
Dangerous/adventure sports coverage (add-on)
Optional
Dangerous sports (rafting from grade 3, paragliding, parachuting, mountaineering up to 5,000m, scuba diving, motorized sports, skydiving tandem, skateboarding, competitive sports of all kinds, professionally practiced sports, etc.) are excluded from basic coverage. The exclusion is waived if dangerous sports add-on is included in the policy (tariff suffix 'N', e.g. KSN). Uninsurable sports (bungee jumping, canyoning, off-piste skiing/snowboarding, ski mountaineering, mountaineering above 5,000m, rock climbing) cannot be covered under any tariff.
Pregnancy complications
Conditional
Medical expenses are covered for pregnancy complications up to and including the 26th week of pregnancy. Any complications after the 26th week, childbirth, and tests to confirm pregnancy, abortion, examination and treatment of infertility, artificial insemination, and contraception are excluded. High-risk pregnancies are excluded from medical expense coverage. Trip cancellation due to health complications of pregnancy up to week 26 requiring hospitalization or bed rest is covered under trip cancellation insurance.
Personal liability insurance (add-on)
Optional
Optional add-on coverage for damage to the health or property of third parties arising during the insured trip for which the insured is legally liable under the civil law of the country where the damage occurred. Covers activities in ordinary civil life and standard tourist activities. Limit depends on tariff: K5/KS = 1,000,000 CZK; K7/K10/K5+/KS+ = 5,000,000 CZK; K15/K15+ = 15,000,000 CZK. Not included in L-tariffs (medical expenses only).
Legal assistance abroad
Covered
Covered within the assistance services insurance. In the event of criminal prosecution for damage caused by negligence to a third party or negligent violation of laws and local administrative regulations in a private life situation, the assistance service provides an advance for an attorney's fee or bail on request. Legal assistance is available only outside the Czech Republic or the insured's country of permanent residence. Limit depends on tariff: L5/K5/KS = 100,000 CZK; L7/K7 = 140,000 CZK; L10/K10 = 200,000 CZK.
24/7 assistance service
Covered
24/7 non-stop assistance service is included in all tariffs with medical expenses and assistance services coverage. Assistance is available around the clock in Czech language. Contact: +420 255 734 900 or +420 246 059 444. Services include advice on finding medical care, direct payment guarantees, coordination of repatriation, and support in emergencies.
Key conditions
Assistance call deadline
For outpatient care, the insured may contact the assistance service before visiting a doctor. Upon hospitalization, the insured must immediately (without delay) contact the insurer's assistance service. If direct payment was not arranged by the assistance service, the insured must report the insured event in writing to the insurer immediately after returning to the Czech Republic, no later than 30 days after the end of the trip.
Unauthorized treatment
If the insured delays reporting the insured event or provides incomplete information in the claim notification, and this makes it more difficult to investigate the extent of the damage, the insurer is entitled to reduce the insurance benefit. The insurer may reduce or refuse the benefit if the insured fails to follow the assistance service instructions or the insurer's guidelines.
Purchase while abroad
If any of the insured persons is already abroad at the time of concluding the insurance policy, coverage is provided no earlier than 0:00 hours on the 7th day following the date of conclusion of the insurance. This restriction does not apply if the client is arranging a follow-on policy (i.e., has a currently valid policy with the insurer and the new policy start date directly follows the existing one).
Chronic conditions
Treatment or operation of a chronic illness is excluded if during the previous 12 months the illness required hospitalization, was progressing, or caused substantial changes in medication. Acute complications of a chronic condition may be covered if they meet the criteria of an unpredictable acute illness.
Pregnancy
Pregnancy is covered up to and including week 26. Medical expenses are covered for complications during this period. After week 26, all complications, childbirth, and related treatments are excluded. High-risk pregnancies are excluded from coverage at any stage.
pre_existing_conditions
Medical care related to illnesses or injuries existing before the conclusion of the insurance contract is excluded. Chronic conditions that required hospitalization, were progressing, or caused significant medication changes in the previous 12 months are not covered.
coverage_duration_limit
For a single-trip policy, maximum duration is 366 days. For annual multi-trip policies, each individual trip may last a maximum of 45 calendar days; the number of trips per year is unlimited. If the insured cannot return to the Czech Republic due to force majeure or necessary hospitalization, the policy automatically extends free of charge for the minimum period necessary to return.
Where to buy
Policy specifics
Winter sports coverage
Winter sports such as skiing and snowboarding on marked slopes are included in certain tariffs with explicit add-on option
Dangerous sports coverage
Coverage for high-risk sports such as mountaineering up to 5000m, rafting from grade 3, tandem skydiving
Trip cancellation insurance
Covers up to 80% of documented cancellation costs for travel arrangements; must be arranged before or within one day after final payment
Pregnancy coverage
Travel insurance covers pregnant women up to week 26 of pregnancy without restrictions; medical expenses covered up to week 26 only
Geographic coverage zones
Coverage divided into four zones: Zone 1 (Europe), Zone 2 (World without USA/Canada), Zone 3 (specific coverage), Zone 4 with recent changes for 2026
Acute dental treatment
Emergency dental treatment costs covered up to the medical expenses limit for acute pain cases
Assistance service contact requirement
For medical expense claims, insured must contact UNIQA assistance service before visiting healthcare facility when possible
Claim reporting deadline
Claims must be reported without unnecessary delay and no later than 30 days after trip completion
Maximum trip duration
Single trip under annual policy can last maximum 45 days; short-term policies max 365/366 days total
War zone exclusion
Insurance does not cover travel to war zones or areas where Czech Ministry of Foreign Affairs advises against travel
Pre-existing condition exclusion
Medical treatment for chronic conditions requiring hospitalization in past 12 months not covered
Minimum premium
Minimum insurance premium is 50 CZK per policy