Vitalitas pojišťovna, a.s.
Vitalitas
Vitalitas is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
The 24/7 assistance service (Eurocross Assistance) arranges and directly settles medical treatment and hospitalization costs with foreign providers on behalf of the insured.
Geographic scope
Worldwide (Europe / World excl. USA / World incl. USA tiers)
Coverage applies worldwide outside the Czech Republic; it begins only upon crossing the Czech state border and ends upon return.
Starting price
CZK 15
Indicative — pricing assumptions not stated
Unique selling points
- The premium Světoběžník tier offers medical expense cover up to 25,000,000 CZK, well above the basic market minimum.
- A worldwide assistance service is available 24 hours a day, 7 days a week, 365 days a year for every package.
- OZP and ZPŠ health-insurance members can receive contributions reducing the medical expense premium, up to a full subsidy for members aged 0-26.
- A fully flexible "Na míru" (custom) option lets clients assemble their own combination of covers instead of choosing a fixed package.
- The insurer emphasizes fast claims settlement alongside high coverage limits and reliable assistance service.
Coverage limits
Medical expenses abroad
CZK 10,000,000 – CZK 25,000,000
Covers medical treatment, hospitalization, medicines and medical materials abroad; the Pohodář tier provides a 10,000,000 CZK limit while the premium Světoběžník tier provides 25,000,000 CZK.
Emergency medical treatment
CZK 10,000,000 – CZK 25,000,000
Emergency medical treatment abroad is covered within the overall medical expenses limit of the chosen package.
Hospitalization daily allowance
CZK 10,000
In addition to treatment costs, a daily hospitalization allowance of 100 CZK/day is paid, up to a maximum of 10,000 CZK.
Outpatient treatment
Covered
No limit stated
Outpatient medical care abroad is included within the overall medical expenses cover; no separate sub-limit is stated in the reviewed sources.
Emergency dental treatment
Conditional
No limit stated
Reimbursement of necessary dental treatment costs is limited by a sub-limit stated in the terms and conditions; the exact amount was not found in the reviewed documents.
Medical transport
Covered
The 24/7 assistance service arranges transport of the insured to a hospital or medical facility as needed.
Medical evacuation
Covered
The assistance service organizes and funds hospitalization and, where medically necessary, evacuation of the insured person; no specific monetary limit is stated separately from the medical expenses cap.
Repatriation of remains
Covered
The assistance service organizes repatriation to the home country in the event of death or serious health complications; no separate monetary limit was found.
Search and rescue
No limit stated
No specific search-and-rescue (e.g. mountain rescue) cover or limit was found in the reviewed Vitalitas travel_medical sources.
COVID-19 treatment
No limit stated
No explicit provision on COVID-19 medical treatment cover or limits was found in the reviewed sources.
Pre-existing conditions
No limit stated
No specific rule on pre-existing conditions was found for the travel_medical product in the reviewed sources.
Winter sports cover
CZK 5,000,000
Winter sports insurance is an optional add-on covering treatment costs up to 5,000,000 CZK, plus reimbursement for stolen sports equipment and unused ski pass compensation; a 20% co-payment applies to winter sports and cancellation claims.
Adventure / risky sports cover
Optional
No limit stated
Only in Sportovec
Sport insurance for riskier sports and competition participation abroad (Sportovec package / Sport Plus rider) can be added as an optional rider; no separate monetary limit was found.
Pregnancy complications
Conditional
Complications arising after the 28th week of pregnancy are excluded from cover; complications up to that point are covered under medical expenses.
Personal liability for damages
CZK 5,000,000
Only in Pohodář
Covers liability for damage caused to health or property of third parties; the Pohodář package provides a limit of 5,000,000 CZK.
Legal assistance
Covered
The 24/7 assistance service provides legal assistance and guidance in the event of lost documents or other legal difficulties abroad.
24/7 worldwide assistance
Covered
A worldwide assistance service is available 24 hours a day, 7 days a week, 365 days a year, for any difficulty encountered while abroad.
Key conditions
Assistance call deadline
The reviewed sources do not state an exact contact deadline; clients are generally advised to contact the 24/7 assistance service as soon as possible when a claim event occurs.
Unauthorized treatment
No distinct penalty for unauthorized treatment was found; the IPID states that for illness or injury occurring after alcohol or substance use, the insurer may reasonably reduce the claim payout.
Purchase while abroad
Foreign travel insurance can only be arranged while the insured is still on Czech territory; the policy cannot start until the state border is crossed.
Chronic conditions
The reviewed sources do not contain a specific rule on chronic diseases for this travel_medical product; general policy exclusions in the terms and conditions apply.
Pregnancy
Pregnancy-related complications occurring after the 28th week of pregnancy are excluded from cover.
Pre-existing condition exclusions
The reviewed sources do not specify separate provisions for pre-existing conditions in this travel insurance product.
Coverage duration limit
A single foreign trip under short-term travel insurance may last a maximum of 30 days (up to 90 days depending on tariff); long-term options of 185 or 364 days are also available.
Policy specifics
Trip cancellation insurance
Coverage for reasonable grounds for trip cancellation including serious acute illness or serious injury of the policyholder or a close person
SourceLiability for damages
Coverage for liability for damages caused to health or property of third parties
Source24/7 assistance service
Worldwide assistance service available 24 hours a day, 7 days a week for any difficulties during foreign stay
SourcePolicy start timing
For foreign travel insurance, coverage begins at 00:00 hours on the date specified in the insurance contract, but no earlier than when crossing the Czech state border
SourceExcluded events
Insurance does not cover events resulting from war, alcohol consumption, intentional actions of insured person, or intentional criminal activity
SourceSources
- http://www.vitalitas.cz/pojisteni-zimnich-sportu/
- https://vitalitas.cz/cestovni-pojisteni-na-miru-patronSource no longer reachable
- https://vitalitas.cz/cestovni-pojisteni-na-miru/
- https://vitalitas.cz/wp-content/uploads/2018/11/Predsmluvni_informace_Cestovni-Pojisteni_2018.pdf
- https://vitalitas.cz/wp-content/uploads/2020/06/IPID_cestovni_VITALITAS_6_2020.pdf
- https://vitalitas.cz/wp-content/uploads/2021/11/VPP_web_A4_11_2021.pdf
- https://www.vitalitas.cz/wp-content/uploads/2020/06/IPID_cestovni_VITALITAS_6_2020.pdf