UNIQA pojišťovna, a.s.
UNIQA
UNIQA is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
For outpatient treatment the insured generally pays upfront in cash and claims reimbursement after returning to the Czech Republic, unless the healthcare provider accepts a payment guarantee arranged by the insurer's assistance service. For hospitalization, the insurer or its assistance service typically settles costs directly with the hospital once a guarantee of payment is accepted; reimbursement is otherwise paid in domestic currency after the claim is assessed as valid.
Geographic scope
Worldwide coverage selectable across four geographic zones: Zone 1 (Europe and listed territories), Zone 2 (worldwide excluding Czech Republic), Zone 3 (Czech Republic only), Zone 4 (worldwide excluding Czech Republic, USA and Canada).
Coverage does not apply in the state where the insured has permanent/temporary residence or citizenship, unless the insured has paid Czech public health insurance for at least one year. Insurance cannot be arranged for war zones, areas subject to a Ministry of Foreign Affairs travel warning, or areas with extreme climatic or natural conditions.
Starting price
CZK 50
Unique selling points
- Medical expenses abroad can be insured up to CZK 25,000,000, well above typical minimum travel-insurance limits.
- A dedicated 24/7 assistance line operates in the Czech language and can be called from anywhere in the world.
- Family cover can include up to six people (two parents and up to four children) under a single policy.
- Optional add-on modules let travelers attach winter-sports or dangerous-sports cover to the base tariff instead of buying a separate policy.
- Trip-cancellation insurance reimburses 80% of documented cancellation fees charged by the travel agency or carrier.
Coverage limits
Medical expenses coverage
Covered
Necessary and provable costs of medical treatment abroad due to accident or sudden illness, covering outpatient care, hospital stay, pain-relief dental treatment, prescribed medicines and transport to the nearest suitable facility.
Emergency/outpatient medical treatment
Covered
Outpatient emergency treatment is covered within the overall medical expenses limit; no separate sub-limit is set.
Hospitalization
Covered
Standard-room hospital stay for treatment, procedures and operations that cannot be postponed until return home; covered within the overall medical expenses limit.
Outpatient treatment
Covered
Outpatient treatment is covered within the overall medical expenses limit; insured must contact the assistance service beforehand.
Emergency dental treatment
Conditional
Dental treatment following an accident or as first aid is covered only for pain relief (simple filling or extraction), within the overall medical expenses limit; no separate cap is stated.
Medical transport to nearest facility
Covered
Transport to the nearest suitable healthcare facility (including calling a doctor to the patient) is covered within the overall medical expenses limit if the insured cannot use ordinary transport.
Repatriation of the insured person
Covered
Covers transport of the insured, unable to travel by originally planned means, from a foreign hospital to the place of permanent residence in the Czech Republic; timing and means are decided by the insurer/assistance service.
Repatriation of remains
Covered
Covers transport of the deceased insured's remains to the Czech Republic; the insurer may instead cover local funeral costs up to 1% of the chosen repatriation-of-remains limit.
Search and rescue / rescue costs
Covered
Covers costs reasonably incurred to avert an imminent insured event or mitigate consequences of one that has occurred, including search or rescue operations by mountain/rescue services; capped at 30% of the sum insured for assistance services unless agreed otherwise.
COVID-19 treatment
Not offered
Not addressed as a separate benefit in the governing VPP UCZ/Ces/20 or the rate table.
Pre-existing conditions
Excluded
Treatment related to illnesses or injuries that existed before conclusion of the contract or before the start of insurance is excluded.
Winter sports cover
Optional
Winter sports (e.g. skiing/snowboarding on marked runs) are only covered under the '+' tariff variants; the base L5/K5/K15/K25 tariffs exclude winter sports unless this add-on is selected.
Dangerous sports cover
Optional
Dangerous sports (e.g. high-altitude trekking above 3,000-5,000 m, whitewater rafting grade 3+, tandem skydiving) are excluded from the base tariffs and require a dedicated add-on tariff (e.g. designated 'N' variants); uninsurable sports (e.g. mountaineering, base jumping, cave diving) remain excluded even with this add-on.
Pregnancy complications
Conditional
Complications occurring after the 26th week of pregnancy, or complications associated with a high-risk pregnancy, are excluded; pregnancy-related acute issues before week 26 may otherwise fall under the general medical expenses cover.
Legal assistance abroad
Covered
As part of the assistance-services benefit, the assistance service sends a lawyer's fee or bail on request in case of prosecution abroad for negligent damage; limit is CZK 100,000 for L5/L5+/K5/K5+, CZK 140,000 for K15/K15+, CZK 200,000 for K25/K25+.
24/7 assistance service
Covered
The insurer's assistance service provides non-stop assistance, 24 hours a day, available in the Czech language, contactable from anywhere by phone (UNIQA line +420 488 125 125).
Key conditions
Assistance call deadline
For outpatient treatment, the insured must contact the insurer's assistance service before the medical visit; for hospitalization, contact must be immediate. If costs were not settled directly, the insured must report the claim in writing without undue delay after returning to the Czech Republic, and no later than 30 days after the end of the trip.
Unauthorized treatment
If the policyholder or insured breaches their contractual obligations (e.g. late reporting, incomplete information about the event), the insurer has the right to reduce or refuse the insurance benefit.
Purchase while abroad
If the insured is already abroad at the time the policy is concluded, cover starts no earlier than 00:00 of the 7th day following conclusion, unless it is a follow-on policy directly continuing an existing valid contract with the insurer, in which case cover starts immediately.
Chronic conditions
Chronic illness is covered only if it did not require hospitalization, was not progressing, and did not cause substantial changes in medication during the preceding 12 months before the trip; otherwise treatment of the chronic condition is excluded.
Pregnancy
Pregnancy-related care is covered only up to the 26th week of pregnancy; examinations to confirm pregnancy, interruption, childbirth, complications after week 26, or complications linked to a high-risk pregnancy are excluded, unless agreed otherwise in the policy.
Pre-existing condition exclusions
Treatment related to illnesses or injuries that existed before conclusion of the insurance contract, or before the start of the insurance period, is excluded from cover.
Coverage duration limit
A single-trip (jednorázová) policy can be arranged for a minimum of 1 day and a maximum of 366 days. Annual policies for repeated trips (roční smlouvy) cover an unlimited number of trips but each individual stay abroad may not exceed 45 consecutive days without an extension.
Policy specifics
Assistance services
24/7 assistance including repatriation, medical advice, document replacement, and emergency support
Accident insurance
Coverage for permanent consequences and death resulting from accidents
Liability coverage
Coverage for damages to third parties caused by insured person
Luggage and personal belongings
Coverage for loss, theft, damage, or delay of luggage and personal items
Trip cancellation insurance
Coverage for trip cancellation costs due to serious illness, injury, job loss or other serious events
Sports and dangerous activities coverage
Coverage varies by sport category: basic (low-risk), dangerous sports, and winter sports
Geographic coverage zones
Zone 1: Europe; Zone 2: World excluding USA and Canada; Zone 3: Czech Republic; Zone 4: Entire world without USA and Canada
Mandatory assistance contact before medical care
For medical expenses claims, insured must contact assistance service before visiting healthcare facility
Age eligibility
Insurance available for all ages; pregnant women covered up to week 26; seniors over 65 years eligible
Coverage for foreign nationals
Foreign nationals can purchase travel insurance for return to home country if they have paid Czech public health insurance for at least 1 year
Family coverage
In family policies, insurance premium is paid for only one child; additional children are free
Chronic disease coverage
Insurance covers chronic diseases if there was no worsening in the past year
Excluded territories
Insurance not valid in Czech Republic or areas designated as war zones or risky by official government authorities
Extreme climate and activities exclusion
Insurance cannot be arranged for extreme climate expeditions, polar expeditions, desert expeditions, cave exploration, or remote uninhabited areas
Co-payment for trip cancellation
For trip cancellation coverage, insured bears 20% co-payment of cancellation fees
Payment method - reimbursement vs. direct payment
Insurance payment is typically provided as reimbursement after return from trip unless assistance service arranges direct payment guarantee
Age eligibility categories
Insured individuals are classified as juniors (up to 65 years), senior 1 (66-80 years) or senior 2 (81+ years); all categories are insurable, though premium and conditions may differ by category.