Travel insurance — Slovakia

[1] Medical expenses: €1,000,000 ↩

Aggregate limit of 1,000,000 EUR for medical expenses arising from injury, sudden illness or death abroad, inclusive of all sub-limits (dental, accompanying person accommodation/transport, medical aids). Costs from a terrorist act are covered only up to 100,000 EUR and only for 14 days from the first act. A franchise of 16 EUR applies: no benefit is paid if the claim is at or below this amount, but the full amount is paid once it is exceeded.

Liečebné náklady - limit poistného plnenia vrátane limitov podľa písm. a) až d): 1 000 000 EUR

[2] Medical transport: Covered ↩

Covers the transport of the insured to acute treatment or examination at the nearest suitable healthcare facility, including the return journey, within the overall medical expenses limit.

prepravu poisteného k akútnemu ošetreniu alebo vyšetreniu do zdravotníckeho zariadenia nachádzajúceho sa najbližšie k miestu pobytu, vrátane cesty späť

[3] COVID-19 treatment: See details ↩

No specific COVID-19 provision is stated. The insurer may reject benefits arising from an illness that was spreading as an epidemic or pandemic in a destination officially flagged as high-risk before the trip began.

má poisťovateľ právo poistné plnenie vzniknuté v dôsledku choroby, ktorá sa v čase vzniku poistnej udalosti vyskytovala a šírila ako epidémia alebo pandémia, zamietnuť.

[4] Personal liability: €200,000 ↩

Covers liability for damage caused to a third party's health or property up to 200,000 EUR per event, with a total cap of three times this limit for all events in the policy period. A deductible of 5% (minimum 50 EUR, maximum 350 EUR) applies to each claim.

Poistenie zodpovednosti za škodu (čl. 2 ods. 1 písm. d) VPP-CP) Limit poistného plnenia: 200 000 EUR

[5] Emergency dental: €335 ↩

Covers acute dental treatment needed to relieve pain, up to 335 EUR per event; total dental costs during the policy period are capped at twice this limit (670 EUR). Not covered if resulting from neglected dental prevention or unfinished treatment at home.

na akútne zubné ošetrenie (čl. 19 ods. 1 písm. e) VPP-CP) 335 EUR

[6] Search & rescue: €16,600 ↩

Rescue costs directly connected to an injury or sudden illness (mountain rescue in SR or rescue service abroad) are covered up to 3 days as part of medical expenses cover. A separate, optional 'poistenie nákladov na záchrannú činnosť', available only with the Max package, covers mountain rescue service costs up to 16,600 EUR and rescue service costs abroad up to 16,600 EUR.

Poistenie nákladov na záchrannú činnosť (čl. 2 ods. 1 písm. j) VPP-CP) a) záchranná činnosť horskej služby 16 600 EUR b) záchranná činnosť záchrannej služby 16 600 EUR

[7] Legal assistance: €1,200 ↩

As part of supplementary assistance services, the insurer arranges legal assistance and covers related costs up to 1,200 EUR in the event of criminal, administrative or civil proceedings against the insured abroad. Excludes matters related to motor vehicle operation, occupation/business, or drug/weapon offences.

a) právna pomoc (čl. 56 ods. 1 VPP-CP) 1 200 EUR

[8] Emergency medical treatment: Covered ↩

Covers reasonable and necessary costs of medical care provided due to a sudden change in health leading to stabilisation, within the overall 1,000,000 EUR medical expenses limit; only bezprostredne necessary treatment is covered, not planned or non-urgent care.

pois ovate uhradí primerané a nevyhnutné náklady na: a) zdravotnú starostlivos poskytnutú poistenému v dôsledku náhlej zmeny jeho zdravotného stavu vedúcu k stabilizácii jeho zdravotného stavu

[9] Hospitalization: Covered ↩

Hospitalization costs are covered within the aggregate 1,000,000 EUR medical expenses limit, only up to the point the treating physician certifies the insured is fit for repatriation. A separate 1,200 EUR sub-limit (of which max 100 EUR/night) covers accommodation and transport for one accompanying adult from the 8th day of hospitalization. This product does not include a separate daily hospitalization cash benefit (denné odškodné).

na ubytovanie a prepravu osoby v prípade hospitalizácie poisteného (čl. 19 ods. 7 písm. a) a b) VPP-CP) 1 200 EUR z toho na ubytovanie 100 EUR/1 deň

[10] Outpatient treatment: Covered ↩

Covers necessary ambulatory treatment and transport to the nearest suitable healthcare facility, within the overall 1,000,000 EUR medical expenses limit.

prepravu poisteného k akútnemu ošetreniu alebo vyšetreniu do zdravotníckeho zariadenia nachádzajúceho sa najbližšie k miestu pobytu, vrátane cesty späť

[11] Medical evacuation: Covered ↩

Covers repatriation by a medically indicated means of transport when the originally planned method/time cannot be used; the insurer or assistance company decides on the means and timing based on the treating physician's consent, within the overall medical expenses limit.

repatriáciu poisteného lekársky indikovaným dopravným prostriedkom, ak nie je z lekárskeho hľadiska možné použiť pôvodne plánovaný spôsob a čas prepravy

[12] Repatriation of remains: Covered ↩

In case of death, covers repatriation of the insured's mortal remains, or their cremation/burial at the place of the insured event, if pre-approved by the insurer or assistance company, within the overall medical expenses limit.

nákladov na repatriáciu telesných pozostatkov poisteného, prípadne ich spopolnenie alebo uloženie v mieste poistnej udalosti za predpokladu, že tieto náklady boli vynaložené so súhlasom poisťovateľa alebo asistenčnej spoločnosti

[13] Pre existing conditions: Excluded ↩

Costs of treating illnesses (including post-injury conditions) that existed at policy conclusion and that required hospitalization or worsened in the preceding 12 months are excluded; however, the insurer still pays for acute treatment strictly necessary to avert an immediate threat to life or health.

náklady spojené s liečbou ochorení, vrátane poúrazových stavov, ktoré existovali v čase uzatvárania poistnej zmluvy, a ktoré si počas bezprostredne predchádzajúcich 12 mesiacov... vyžadovali hospitalizáciu alebo sa zhoršovali... poisťovateľ uhradí iba náklady súvisiace s poskytnutím akútneho ošetrenia

[14] Winter sports cover: Covered ↩

Standard winter sports (skiing, cross-country skiing, snowboarding, sledding, bobsleighing, snowtubing and recreational skating) performed on marked and operated pistes/tracks are covered under the standard medical expenses limit without needing a risk-group add-on.

Zimné športy: lyžovanie vrátane trávového, beh na lyžiach vrátane behu na kolieskových lyžiach, snowboarding, sánkovanie, bobovanie, snowtubing a to na vyznačených a prevádzkovaných lyžiarskych zjazdovkách

[15] Adventure sports cover: Optional ↩

Injuries arising from risk sports, risk activities or risk work listed in the insurer's risk-group table are excluded unless the 'riziková skupina' add-on is agreed for a premium surcharge; if agreed, the standard medical expenses/accident/liability limits apply. This add-on cannot be arranged for insured persons aged 71 or over at policy start.

Rizikovú skupinu v zmysle tohto článku nie je možné dojednať pre seniorov.

[16] Pregnancy complications: Conditional ↩

Complications of pregnancy are covered as a sudden illness only up to the end of the 26th week of pregnancy, within the overall medical expenses limit (see medical_expenses). Costs arising after the 26th week, including childbirth and its complications, are excluded, as are costs from a risk pregnancy diagnosed by a doctor before the trip began.

náklady vynaložené z dôvodu tehotenstva vzniknuté po ukončení 26. týždňa tehotenstva, vrátane pôrodu a jeho komplikácií

[17] Medical expenses: €100,000 – €20,000,000 ↩

Overall limit for medical expenses abroad: REFERENCE 100,000 EUR, KOMFORT 600,000 EUR, EXCELENT 20,000,000 EUR; covers assistance services, hospitalization, outpatient treatment, transport/repatriation and emergency dental care up to the sub-limits stated per tier.

[18] Medical transport: €100,000 – €20,000,000 ↩

Transport from the place of accident/illness to the nearest suitable medical facility, including mountain rescue intervention or helicopter transport abroad where medically required, up to the overall medical expenses limit.

[19] COVID-19 treatment: €600 – €1,200 ↩

General treatment of COVID-19 as an acute illness is covered under the medical expenses benefit in all tiers, since the pandemic exclusion explicitly does not apply to COVID-19. Additional COVID-quarantine accommodation/meal costs and return-to-Slovakia costs are covered up to 600 EUR (KOMFORT) or 1,200 EUR (EXCELENT); not available under REFERENCE. EXCELENT also covers COVID-19 treatment up to 1,000,000 EUR in areas subject to a travel warning.

[20] Personal liability: €200,000 – €1,000,000 ↩

Covers liability for bodily injury/health damage caused to third parties abroad: KOMFORT up to 200,000 EUR, EXCELENT up to 1,000,000 EUR. Property damage: KOMFORT up to 60,000 EUR, EXCELENT up to 400,000 EUR. EXCELENT additionally covers lost profit up to 40,000 EUR. Not available under the REFERENCE tier.

[21] Emergency dental: €240 – €800 ↩

Sub-limit for basic dental treatment of acute painful conditions: REFERENCE 240 EUR, KOMFORT 440 EUR, EXCELENT 800 EUR.

[22] Search & rescue: €10,000 ↩

Mountain rescue intervention abroad is covered up to the overall medical expenses limit. A separate flat benefit of 10,000 EUR per insured per policy period applies to mountain rescue interventions in Slovakia (Belianske Tatry, Vysoké Tatry and other listed ranges), but only under repeated-trip policies; costs of search/rescue where life or health was not endangered are excluded.

[23] Legal assistance: €800 – €4,000 ↩

Covers legal costs for defence against traffic-related offences, disputes over damages caused by a third party, disputes with a Slovak travel agency, and EU Regulation 261/2004 flight delay/cancellation claims. Overall limit: KOMFORT 800 EUR, EXCELENT 4,000 EUR. Not available under REFERENCE.

[24] Emergency medical treatment: €100,000 – €20,000,000 ↩

Necessary and urgent treatment of a sudden acute illness or injury abroad is covered up to the overall medical expenses limit of the chosen tier (100,000 / 600,000 / 20,000,000 EUR).

[25] Hospitalization: €100,000 – €20,000,000 ↩

Unplanned multi-day treatment in a standard multi-bed hospital room, including meals, is covered for the necessary time up to the overall medical expenses limit of the chosen tier.

[26] Outpatient treatment: €100,000 – €20,000,000 ↩

Necessary examinations, outpatient medical treatment and prescribed medication related to a sudden illness or injury abroad are covered up to the overall medical expenses limit of the chosen tier.

[27] Medical evacuation: €100,000 – €20,000,000 ↩

Medically justified transport between healthcare facilities and repatriation back to Slovakia (including medical escort where needed) are covered up to the overall medical expenses limit.

[28] Repatriation of remains: €100,000 – €20,000,000 ↩

Transport of mortal remains to Slovakia and other necessary related costs are covered up to the overall medical expenses limit; transport costs outside Slovakia are capped at the cost of transport to Slovakia.

[29] Pre existing conditions: €40,000 ↩

Stabilized chronic conditions (no change in treatment, medication or hospitalization in the 12 months before the policy start) are covered under the general medical limit in all tiers. Destabilized/unstabilized chronic conditions and complications of ambulatory surgery are covered only under the EXCELENT tier, sub-limit 40,000 EUR.

[30] Winter sports cover: Covered ↩

Recreational skiing and snowboarding on marked trails is automatically covered as a 'bežný šport' (common sport) within the medical, accident and liability limits of the chosen tier. Off-piste skiing/snowboarding, snowparks and similar riskier variants are classified as 'rizikové športy' and require the optional risky-sports rider.

[31] Adventure sports cover: Optional ↩

The optional 'Pripoistenie rizikových športov' rider extends the medical expenses, accident and liability limits to riskier listed sports (e.g. diving beyond certain depths, canyoning, kitesurfing, off-piste skiing, mountaineering up to a stated grade). Available under the PREMIUM and STANDARD add-on packages; not available under BASIC.

[32] Pregnancy complications: Conditional ↩

Pregnancy tests, interruption, complications of pregnancy after week 32, high-risk pregnancy, childbirth, infertility treatment and contraception are excluded. However, a child born prematurely before week 32 during the trip is insured under the medical expenses benefit and shares the mother's limit.

[33] Medical expenses: €400,000 ↩

Covers necessary and urgent medical treatment costs abroad (outpatient care, hospitalisation, prescribed medicines, medical transport, repatriation) up to a single overall limit of €400,000 per insured person, identical for both the OSOBNÉ (individual) and RODINNÉ (family) variants.

Poistenie liečebných nákladov asistenčných služieb 400.000 € 400.000 €

[34] Medical transport: €400,000 ↩

Necessary transport to the nearest medical facility, between facilities, or to/from the treating doctor is covered within the shared €400,000 medical limit.

Nevyhnutnú prepravu: a. v prípade choroby alebo úrazu do najbližšieho zdravotníckeho zariadenia a späť do miesta pobytu v zahraničí

[35] COVID-19 treatment: See details ↩

No specific mention of COVID-19 treatment is made in the reviewed MBK5615 policy documents.

[36] Personal liability: €200,000 ↩

Covers proven damage the insured is legally liable to pay: up to €200,000 for personal injury/health damage and up to €200,000 for property damage caused to a third party while abroad; damage to a close relative/co-traveller, caused by a vehicle, or arising from professional/business activity is excluded.

škoda na zdraví 200.000 € 200.000 € škoda na majetku 200.000 € 200.000 €

[37] Emergency dental: €1,000 ↩

A sub-limit of €1,000 within the overall medical expenses limit for necessary emergency dental procedures (e.g. extraction, simple fillings, X-rays, root canal work, basic denture repairs).

sublimit zubné ošetrenie 1.000 € 1.000 €

[38] Search & rescue: €10,000 ↩

Covers necessary Mountain Rescue Service (HZS) intervention costs (search, extraction, transport, on-site treatment) up to €10,000, but only for emergencies occurring in Slovak mountain areas — unlike the rest of the package, which covers events abroad.

Poistenie zásahu horskej záchrannej služby (v SR) 10.000 € 10.000 €

[39] Legal assistance: €6,000 ↩

Combined limit of €6,000 for legal assistance costs and/or bail funds, applicable only if the insured is detained or faces detention in connection with a traffic accident abroad; bail money advanced must be repaid to the insurer within 30 days of returning home.

Poistenie právnej pomoci a kaucie pri dopravnej nehode 6.000 € 6.000 €

[40] Emergency medical treatment: €400,000 ↩

Emergency treatment of an acute illness or accident abroad is covered within the shared €400,000 medical expenses and assistance services limit.

Poistenie liečebných nákladov asistenčných služieb 400.000 € 400.000 €

[41] Hospitalization: €400,000 ↩

Hospitalisation in a medical facility, including standard-level accommodation and meals for the period determined by the treating doctor, is covered within the shared €400,000 medical limit.

Hospitalizáciu v zdravotnom zariadení a stravovanie na štandardnej úrovni, počas doby určenej lekárom.

[42] Outpatient treatment: €400,000 ↩

Diagnostic, treatment and nursing services provided on an outpatient basis abroad are covered within the shared €400,000 medical limit.

Nevyhnutnú a neodkladnú zdravotnú starostlivosť pri liečbe akútneho ochorenia alebo úrazu vrátane diagnostických, liečebných a ošetrovateľských výkonov.

[43] Medical evacuation: €400,000 ↩

If the insured cannot return by the originally planned means for health reasons, transport back to the home country (or to a medical facility there) is arranged and covered within the shared €400,000 medical limit; if repatriation is not yet possible when the policy would otherwise end, the medical/assistance cover is automatically extended until return is possible.

Repatriáciu: zabezpečíme vám prepravu späť domov, ak sa nebudete môcť vrátiť pôvodne plánovaným spôsobom.

[44] Repatriation of remains: €400,000 ↩

In the event of death abroad, transport of the remains back to the home country (or, if not possible, funeral costs abroad) is covered within the shared €400,000 medical/assistance limit.

Prepravu pozostatkov alebo náklady na pohreb: v prípade úmrtia v zahraničí uhradíme prepravu pozostatkov späť do domovskej krajiny alebo pohreb v zahraničí, ak preprava pozostatkov nie je možná.

[45] Pre existing conditions: Conditional ↩

A chronic condition is covered as an acute illness only if it was stabilised — i.e. showed no signs of worsening and required no treatment or hospitalisation — during the 12 months preceding the trip; continuation or recurrence of an unstabilised illness diagnosed before departure is excluded.

Ochorenie je stabilizované, ak sa za posledných 12 mesiacov pred cestou nevyskytli žiadne náznaky zhoršenia zdravotného stavu a neboli ste hospitalizovaný ani liečený pre jeho zhoršenie.

[46] Winter sports cover: Conditional ↩

Skiing, snowboarding, monoski and similar winter activities are covered when performed recreationally on marked and designated trails (listed in the policy's Recreational Sports List); the same activities performed off-piste or non-recreationally are excluded.

lyžovanie, monoski na značených tratiach

[47] Adventure sports cover: Conditional ↩

Only sports listed in the policy's Recreational Sports List and performed recreationally (e.g. climbing on artificial walls, via ferrata grade A–C, scuba diving to 10m with the required certification) are covered; professional, competitive, or unlisted extreme activities (e.g. high-altitude mountaineering, extreme expeditions) are excluded.

potápanie s použitím dýchacieho prístroja do hĺbky 10 metrov s inštruktorom alebo bez neho, ale len ak je osoba držiteľom potrebného osvedčenia (oprávnenia) na vykonávanie činnosti

[48] Pregnancy complications: Conditional ↩

Pregnancy complications are covered only up to the completed 30th week of pregnancy; complications after week 30, childbirth, voluntary termination of pregnancy and infertility treatment are excluded.

komplikácie po 30. týždni tehotenstva;

[49] Medical expenses: €50,000 – €10,000,000 ↩

Overall limit for treatment abroad due to illness or injury: Silver 50,000 €, Gold 200,000 €, Platinum 10,000,000 € (capped at 10 million EUR per policy).

[50] Medical transport: Covered ↩

Transport of the insured to the nearest medical facility and back to their place of stay is included in all tiers, within the overall medical-expenses limit; no separate sub-limit is stated.

Prepravu poisteného do zdravotníckeho zariadenia najbližšieho k miestu jeho pobytu v zahraničí, dopravu zo zdravotníckeho zariadenia späť do jeho miesta pobytu v zahraničí, ak poistený nemôže z objektívnych dôvodov použiť verejnú dopravu.

[51] COVID-19 treatment: €1,000 – €3,000 ↩

Treatment costs for COVID-19 are covered like any other illness under the overall medical-expenses limit. Additionally, accommodation/food costs during officially ordered mandatory quarantine are separately capped at 1,000 € (Silver), 2,000 € (Gold) or 3,000 € (Platinum), max. 14 days.

[52] Personal liability: €50,000 – €200,000 ↩

Covers legally-required compensation for bodily injury or property damage caused to third parties while travelling: bodily injury 50,000/100,000/200,000 € and property damage 50,000/100,000/200,000 € by tier (Silver/Gold/Platinum).

[53] Emergency dental: €400 ↩

Treatment by a dentist for acute pain (simple filling, extraction, simple repair of dentures/braces) up to 400 € - same limit for Silver, Gold and Platinum.

[54] Search & rescue: Covered ↩

If the insured goes missing abroad, the assistance company coordinates search-and-rescue with local emergency services and organizes transport to the nearest medical facility; included in all tiers with no separate euro sub-limit stated.

Ak je poistený v zahraničí nezvestný alebo v bezprostrednom ohrození zdravia a života, má poistník alebo blízka osoba poisteného právo obrátiť sa na asistenčnú spoločnosť a požiadať o pomoc s hľadaním a vyslobodzovaním poisteného v tiesni.

[55] Legal assistance: €3,000 – €10,000 ↩

The assistance company organizes and pays for legal services (e.g. legal representation) for civil-liability matters abroad, up to 3,000 € (Silver), 5,000 € (Gold) or 10,000 € (Platinum).

[56] Emergency medical treatment: €50,000 – €10,000,000 ↩

Ambulatory or hospital treatment including prescribed medicines/aids is included in all tiers, drawn from the overall medical-expenses limit (50,000/200,000/10,000,000 € by tier).

[57] Hospitalization: €50,000 – €10,000,000 ↩

Hospitalization for the necessary duration (standard room or ICU if medically required) is included in all tiers, drawn from the overall medical-expenses limit.

[58] Outpatient treatment: €50,000 – €10,000,000 ↩

Outpatient treatment abroad is included in all tiers, drawn from the overall medical-expenses limit.

[59] Medical evacuation: Covered ↩

Repatriation or transport to a medical facility by air ambulance, scheduled airline or other suitable means, if needed with a medical team, is included as an assistance service in all tiers; no separate euro sub-limit is stated.

Repatriácia alebo preprava do lekárskeho zariadenia leteckou záchrannou službou, alebo pravidelnou leteckou spoločnosťou alebo inými vhodnými prostriedkami podľa okolností prípadu a prípadne s účasťou plne vybaveného lekárskeho tímu.

[60] Repatriation of remains: Covered ↩

In case of death, repatriation of remains (or cremation costs abroad if lower) to Slovakia, or to the insured's country of permanent residence up to the cost of repatriation to Slovakia, is included in all tiers within the overall medical-expenses limit.

V prípade smrti poisteného repatriáciu (prevoz) telesných pozostatkov (vrátane spopolnených pozostatkov) na Slovensko alebo náklady na kremáciu v zahraničí, pokiaľ neprevýšia náklady na prevoz pozostatkov.

[61] Pre existing conditions: Conditional ↩

Health conditions that existed before the policy was concluded are generally excluded, except a 'stabilized chronic condition' (no medication change, hospitalization or acute treatment in the 9 months before the policy start), which is covered under the overall medical-expenses limit.

súvisiace so zdravotným stavom, úrazom alebo chorobou, ktoré existovali pred uzatvorením tohto poistenia, s výnimkou stabilizovaného chronického ochorenia poisteného alebo spolucestujúceho;

[62] Winter sports cover: €250 ↩

Optional add-on covering medical expenses, assistance, permanent disability/death from accident and liability while practising winter sports, plus reimbursement of an unused ski pass (up to 20 €/day, max. 250 €, same across tiers), piste-closure compensation and ski-equipment rental costs. Available only to persons under 70 at policy start.

[63] Adventure sports cover: Optional ↩

Optional add-on extending medical expenses, assistance, permanent disability/death from accident, cover for unused services if the trip is cut short for health reasons, and rental of replacement sports equipment to extreme/risky sports as classified by the insurer. Available only to persons under 70 at policy start; specific sports excluded from any cover are separately listed.

Toto poistenie kryje nasledovné riziká, ku ktorým dôjde pri výkone extrémnych a rizikových športov a) liečebné náklady vrátane asistenčných služieb; b) trvalé následky úrazu alebo smrť následkom úrazu; c) zodpovednosť za škodu na zdraví alebo majetku osôb, ktoré poistený spôsobí pri výkone extrémnych a rizikových športov.

[64] Pregnancy complications: Conditional ↩

Pregnancy complications occurring up to the 26th week are treated as an illness and covered under the medical-expenses limit; complications arising after the 26th week, including childbirth, are excluded.

v dôsledku komplikácií v tehotenstve, ktoré vzniknú po 26. týždni tehotenstva, vrátane pôrodu;

[65] Medical expenses: €150,000 – €300,000 ↩

Core coverage for necessary medical treatment, hospitalization, prescribed medication, diagnostics and death-related costs abroad. Sum insured depends on the chosen package: Standard 150,000 EUR; Optimal and Exclusive 300,000 EUR.

Výška krytia liečebných nákladov závisí od zvoleného balíka poistenia. Pri jednorazovom aj ročnom poistení môžu byť tieto náklady kryté do výšky 150 000 EUR (balík Standard) alebo 300 000 EUR (všetky ostatné balíky).

[66] Medical transport: Covered ↩

Covers transport to the nearest medical facility, including rescue service (e.g. mountain, water) transport when the insured cannot use a normal means of transport, within the overall medical expenses sum insured.

prepravu do najbližšieho zdravotníckeho zariadenia (tiež privolanie lekára k poistenému), pokiaľ poistený nie je schopný prepravy obvyklým dopravným prostriedkom, vrátane nákladov na prepravu záchrannou službou

[67] COVID-19 treatment: See details ↩

Not addressed as a distinct benefit in the 2019 general terms or short-term IPID; only a general exclusion applies for travel to areas officially declared as epidemic/pandemic zones by Slovak authorities where travel is not recommended.

ak poistený počas poistenej cesty navštívi územie štátu/ oblasť, ktoré boli do dňa začiatku poistenia štátnym orgánom SR oficiálne označené ako štáty/oblasti, v ktorých došlo k výskytu epidémie, alebo tam bola Svetovou zdravotníckou organizáciou vyhlásená pandémia, a do ktorých sa neodporúča cestovať.

[68] Personal liability: €70,000 ↩

Optional rider covering damage the insured causes to third parties. Available (automatically included) in the Optimal and Exclusive packages with limits of 70,000 EUR for damage to health/life and 40,000 EUR for property damage; not included in the Standard package.

Všetky ostatné balíky krytia majú poistnú sumu pre škody na zdraví do výšky 70 000 EUR a škody na majetku do 40 000 EUR.

[69] Emergency dental: €400 ↩

Covers first-aid dental treatment for sudden pain (not resulting from neglected dental care or an unfinished pre-trip treatment) up to 200 EUR per event, maximum 400 EUR per policy period.

ošetrenie zubov v rozsahu poskytnutia prvej pomoci na odstránenie náhlej bolesti... v tomto prípade je poistná suma vo výške 200 EUR za jednu poistnú udalosť, najviac však 400 EUR za jedno poistné obdobie,

[70] Search & rescue: Conditional ↩

Transport by rescue service is covered as part of medical expenses when linked to injury/illness requiring treatment. Pure search-and-rescue operations are excluded when the insured's health or life was not actually endangered. No dedicated Mountain Rescue Service (HZS) rider exists for this short-term product (unlike the long-term product).

prípady, keď poskytnutie prvej pomoci pri úraze... zabezpečuje a hradí prevádzkovateľ lyžiarskej trate... úkony nevyplývajúce z nevyhnutnej ochrany zdravia alebo života poisteného vrátane zbytočnej záchrannej činnosti

[71] Legal assistance: €5,000 ↩

Optional rider organizing and paying for legal representation, court fees, interpreting, accommodation and transport if criminal, civil or minor-offence proceedings are started or imminently threatened against the insured abroad. For single-trip (short-term) policies the sum insured is 5,000 EUR.

Pripoistenie pri jednorazovom cestovnom poistení má poistnú sumu vo výške 5 000 EUR.

[72] Emergency medical treatment: Covered ↩

The assistance service organizes and pays for examination/treatment by a general or specialist doctor, within the overall medical expenses sum insured; no separate sub-limit is stated.

zorganizuje a uhradí náklady na vyšetrenie či ošetrenie poisteného praktickým lekárom v rozsahu primeranom danému ochoreniu alebo úrazu,

[73] Hospitalization: Covered ↩

Covers the cost of a hospital stay abroad until the insured is fit to be transported to Slovakia, within the overall medical expenses sum insured.

pobyt v nemocnici (hospitalizácia) do doby, pokiaľ je poistený schopný prevozu na územie SR,

[74] Outpatient treatment: Covered ↩

Includes organizing and paying for specialized/laboratory examinations and providing a contract doctor's contact details, within the overall medical expenses sum insured.

zorganizuje a uhradí náklady na špecializované a laboratórne vyšetrenia v rozsahu primeranom danému ochoreniu alebo úrazu., zabezpečí odovzdanie adresy zmluvného lekára poistenému

[75] Medical evacuation: Covered ↩

If the insured cannot use the originally planned means of transport for health reasons, the assistance service arranges and pays for repatriation to Slovakia, with the method decided together with the treating doctor.

prepravu (repatriáciu) poisteného späť na územie SR v prípade, ak nebude môcť zo zdravotných dôvodov použiť pôvodne plánovaný dopravný prostriedok; poisťovateľ a asistenčná služba si vyhradzujú právo rozhodnúť so súhlasom lekára o spôsobe repatriácie poisteného,

[76] Repatriation of remains: Covered ↩

In the event of death abroad, covers transport of the remains (or ashes after cremation) back to Slovakia, within the overall medical expenses sum insured.

prepravu telesných pozostatkov poisteného v prípade jeho smrti vrátane spopolnenia a prepravy telesných pozostatkov po kremácii na územie SR,

[77] Pre existing conditions: Excluded ↩

Medical expenses cover does not apply if treatment relates to an illness or injury that already existed at the time the policy was concluded, or a chronic illness that required hospitalization, was progressive, or required treatment/medication changes within the 12 months before departure.

ak liečebná starostlivosť súvisí s ošetrením alebo operáciou chronického alebo iného ochorenia, ak toto ochorenie v priebehu 12 mesiacov pred vycestovaním do zahraničia vyžadovalo hospitalizáciu, malo progresívny charakter alebo vyžadovalo zmeny v liečbe alebo užívaní liekov

[78] Winter sports cover: Conditional ↩

Recreational piste skiing/snowboarding on marked runs during operating hours falls under the standard 'tourist trip' risk category and is covered under the declared purpose of travel. Off-piste skiing, heli-skiing and similar are classified as 'dangerous sports' and are not insurable at all.

rekreačné lyžovanie a snowboarding na vyznačených tratiach a počas prevádzkových hodín tratí

[79] Adventure sports cover: Conditional ↩

Activities classified as 'risky sports' (e.g. rafting WW1-2, paragliding, horseback riding, martial arts) are only covered if the corresponding higher-risk purpose of travel is declared in the policy. Activities classified as 'dangerous sports' (e.g. base jumping, off-piste skiing, deep diving beyond 10m, extreme mountaineering) are excluded and cannot be insured under this product.

rafting stupňa obtiažnosti WW 1 – 2... paragliding, parasailing, potápanie bez inštruktora s použitím samostatných dýchacích prístrojov do hĺbky 10 m pod hladinou

[80] Pregnancy complications: Conditional ↩

Medical expenses cover applies to pregnancy-related complications only up to the 26th week of pregnancy; complications after the 26th week, including childbirth, are excluded.

vyšetrenie (vrátane laboratórneho a (ultrazvukového) na zistenie tehotenstva, interrupciu, akékoľvek komplikácie po 26. týždni tehotenstva, pôrod

[81] Medical expenses: €4,000,000 ↩

TravelCare offers medical expense coverage up to EUR 4,000,000, applying per insured person per insured event.

Poistenie liečebných nákladov 200 000 EUR 1 200 000 EUR 4 000 000 EUR

[82] Medical transport: Covered ↩

Medical transport is included as part of TravelCare's comprehensive medical assistance coverage under the overall EUR 4,000,000 limit.

Repatriácia, preprava, transfery Až do výšky celkového limitu Až do výšky celkového limitu Až do výšky celkového limitu

[83] COVID-19 treatment: Covered ↩

TravelCare includes coverage for COVID-19 related medical treatment and hospitalization as part of its comprehensive travel insurance.

COVID-19 Až do výšky celkového limitu Až do výšky celkového limitu Až do výšky celkového limitu

[84] Personal liability: See details ↩

No specific information on personal liability coverage was found in the reviewed sources.

[85] Emergency dental: See details ↩

No specific information on emergency dental treatment was found in the reviewed sources.

[86] Search & rescue: See details ↩

No specific information on search and rescue coverage was found in the reviewed sources.

[87] Legal assistance: See details ↩

No specific information on legal assistance coverage was found in the reviewed sources.

[88] Emergency medical treatment: Covered ↩

Emergency medical treatment abroad is covered within the overall TravelCare medical expenses limit of up to EUR 4,000,000; no separate sub-limit is stated.

Poistenie liečebných nákladov 200 000 EUR 1 200 000 EUR 4 000 000 EUR

[89] Hospitalization: Covered ↩

Hospitalization is covered within the overall TravelCare medical treatment limit of up to EUR 4,000,000; no separate sub-limit is stated.

Pobyt v nemocnici Až do výšky celkového limitu Až do výšky celkového limitu Až do výšky celkového limitu

[90] Outpatient treatment: Covered ↩

Outpatient treatment is covered within the overall TravelCare medical expenses limit of up to EUR 4,000,000; no separate sub-limit is stated.

Poistenie liečebných nákladov 200 000 EUR 1 200 000 EUR 4 000 000 EUR

[91] Medical evacuation: Covered ↩

Medical evacuation is covered as part of TravelCare's comprehensive medical assistance coverage.

Repatriácia, preprava, transfery Až do výšky celkového limitu Až do výšky celkového limitu Až do výšky celkového limitu

[92] Repatriation of remains: Covered ↩

Repatriation to the home country is covered as part of TravelCare's comprehensive medical assistance coverage.

Repatriácia, preprava, transfery Až do výšky celkového limitu Až do výšky celkového limitu Až do výšky celkového limitu

[93] Pre existing conditions: See details ↩

No specific information on pre-existing conditions coverage was found in the reviewed sources.

[94] Winter sports cover: See details ↩

No specific information on winter sports coverage was found in the reviewed sources.

[95] Adventure sports cover: See details ↩

No specific information on adventure sports coverage was found in the reviewed sources.

[96] Pregnancy complications: See details ↩

No specific information on pregnancy complications coverage was found in the reviewed sources.

[97] Medical expenses: Covered ↩

Covers outpatient treatment, medicines, hospitalization, medical transport and repatriation abroad. Minimum guaranteed sum insured is EUR 300,000; exact per-tier/tariff limits are set in the insurer's coverage table, which was not available from verified sources.

Poistenie liečebných nákladov je kryté min. do sumy 300 000€

[98] Medical transport: Covered ↩

Insurer-organized transport/transfer of the insured to the nearest hospital or medical facility by appropriate medical transport is covered.

poisťovateľom organizovanú prepravu a/alebo preloženie poisteného do najbližšej nemocnice, respektíve zdravotníckeho zariadenia primeraným zdravotníckym dopravným prostriedkom

[99] COVID-19 treatment: Excluded ↩

Insurance events connected with COVID-19, including its mutations, and any events linked to an epidemic or pandemic are explicitly excluded.

Poistná ochrana sa popri všeobecných výlukách uvedených v čl. 5 nevzťahuje na škodové udalosti, ktoré vznikli v súvislosti s ochorením COVID-19 vrátane jeho mutácií.

[100] Personal liability: — ↩

Covers civil liability for property and bodily injury damage caused to third parties from ordinary (non-business) activities. Included from the Cestovné poistenie - ročné tier upward; not included in the base Poistenie liečebných nákladov - ročné tier. Minimum guaranteed sum insured is EUR 100,000.

Poistenie zodpovednosti za škodu je kryté min. do 100 000€

[101] Emergency dental: Covered ↩

Acute dental treatment is covered within outpatient treatment; the insured must prove the treatment is not the result of neglected dental care (confirmation of an annual preventive dental check-up may be required).

Pri akútnom ošetrení zubov má poistený povinnosť predložiť potvrdenie, že nejde o ošetrenie pre zanedbanú starostlivosť (potvrdenie o absolvovaní ročnej preventívnej prehliadky u zubára).

[102] Search & rescue: Covered ↩

Covers proven costs of search, rescue and transport of the insured by professional rescue service, including Mountain Rescue Service costs incurred in Slovakia. Minimum guaranteed sum insured is EUR 20,000.

Poistenie pátrania a záchrany (aj na Slovensku) je kryté min. do 20 000€

[103] Legal assistance: Conditional ↩

If the insured is threatened with or taken into detention abroad, the insurer helps arrange a lawyer and interpreter and provides an advance for legal representation or bail up to the agreed sum. Included from the Cestovné poistenie - ročné tier upward; not offered in Slovakia or the insured's home country.

Poisťovateľ poskytne pomoc pri zabezpečení právneho zástupcu, ako aj tlmočníka. Poisťovateľ ďalej poskytne zálohu na právneho zástupcu, prípadne na kauciu do výšky dohodnutej sumy.

[104] Emergency medical treatment: Covered ↩

Covers costs of outpatient/emergency medical treatment abroad within the overall medical expenses sum insured.

ambulantné lekárske ošetrenie.

[105] Hospitalization: Covered ↩

Covers hospital treatment abroad in a registered facility under permanent medical supervision; if the insured cannot be transported home, treatment costs are covered up to a maximum of 90 days from the insured event.

liečebnú starostlivosť v nemocnici... Ak nie je možná spätná preprava poisteného na Slovensko, prípadne susediaceho štátu kde sa cesta začala pre jeho neschopnosť prevozu, nahradí poisťovateľ náklady liečenia až do dňa schopnosti prevozu poisteného, celkovo však nie dlhšie ako 90 dní od vzniku poistnej udalosti

[106] Outpatient treatment: Covered ↩

Outpatient treatment including prescribed medicines and necessary transport of medicines is covered within the medical expenses sum insured.

lekárom predpísané lieky; zdravotne nevyhnutne potrebnú prepravu liekov, sér z najbližšieho skladu

[107] Medical evacuation: Covered ↩

Insurer-organized return transport to Slovakia (or a neighbouring state where the trip began) by suitable medical transport, including air ambulance where medically necessary and pre-approved in writing.

spätnú prepravu poisteného, organizovanú poisťovateľom a to len čo je zdravotne účelná a zastupiteľná, primeraným zdravotníckym dopravným prostriedkom na Slovensko alebo do iného susediaceho štátu, ak sa v ňom cesta začala

[108] Repatriation of remains: Covered ↩

Covers transport of the insured's remains to Slovakia, or by agreement to another EU state, in case of death abroad.

prevoz telesných pozostatkov poisteného na územie Slovenskej republiky, resp. po dohode s poisťovateľom alebo asistenčnou spoločnosťou do iného štátu Európskej únie

[109] Pre existing conditions: Conditional ↩

Excluded in the base and Cestovné poistenie tiers. In the PLUS and VIP tiers, an unexpected acute worsening of a chronic/pre-existing condition is covered, only if it did not require outpatient treatment in the last 9 months or hospitalization in the last 12 months before the policy/booking.

Chronické a existujúce ochorenia, ako aj následky úrazov, ktoré boli liečené pred nástupom na cestu, alebo si liečenie vyžadovali, sú poistené v balíku Komplexné cestovné poistenie - ročné PLUS a v Komplexnom cestovnom poistení - ročnom VIP, ak ide o neočakávané akútné zhoršenie.

[110] Winter sports cover: Conditional ↩

Recreational/tourist-level winter sports such as skiing and snowboarding are covered as standard; professional/competitive winter sports, official competitions and training for them are excluded.

[111] Adventure sports cover: Conditional ↩

Tourist-level activities (rafting, skydiving, mountaineering up to 5000m, bungee jumping, diving with valid certification up to 40m) are covered; paragliding/hang-gliding, motorsport racing, professional sports, diving beyond 40m or without certification, altitudes above 5000m, and other extreme/high-risk activities are excluded.

nastanú pri paraglajdingu a použití závesného krídla (neplatí pri storne pri nenastúpení na cestu);

[112] Pregnancy complications: Excluded ↩

Childbirth, pregnancy testing (including laboratory and ultrasound), termination, fertility treatment and artificial insemination are excluded from medical expenses cover. (Note: pregnancy discovered after booking a trip is separately a valid trigger for trip-cancellation cover, not medical cover.)

pôrod, vyšetrenie (vrátane laboratórneho a ultrazvukového) na zistenie tehotenstva, interrupciu, vyšetrenie a liečbu neplodnosti a umelé oplodnenie, cytológiu

[113] Medical expenses: Covered ↩

Covers necessary medical treatment, medicines, hospitalisation and transport arising from an accident, acute illness or death abroad; the IPID states a minimum guaranteed sum insured of EUR 300,000, with the actual limit agreed in the policy.

Poistenie liečebných nákladov je kryté min. do 300 000 €

[114] Medical transport: Covered ↩

The insurer or its representative organises transport/transfer of the insured to the nearest hospital or medical facility by an appropriate medical means of transport, within the overall medical-expenses sum insured.

f) nami alebo našim zástupcom organizovanú prepravu a/alebo preloženie poisteného do najbližšej nemocnice, respektíve zdra - votníckeho zariadenia primeraným zdra votníckym dopravným prostriedkom,

[115] COVID-19 treatment: Excluded ↩

The policy generally reinstates cover for communicable-disease treatment costs (an exception to the standard non-life exclusion), but explicitly keeps the exclusion for costs linked to a pandemic or epidemic, and separately excludes losses connected with an epidemic or pandemic under the medical-expenses terms.

Druhou výlukou, od ktorej sa výrazne odchyľujeme, je krytie vašich liečebných nákladov spojených s prenosnými chorobami s výnimkou pandémie alebo epidémie.

[116] Personal liability: — ↩

Optional cover, available depending on the package chosen, for damage to health or property caused to a third party during ordinary civil life; the IPID states a minimum guaranteed sum insured of EUR 30,000. It excludes liability arising from ownership/operation of motor vehicles, aircraft or vessels subject to registration, and damage to close relatives or household members.

Poistenie občianskej zodpovednosti za škodu je kryté min. do 30 000 €

[117] Emergency dental: Conditional ↩

Only costs of acute dental treatment that is not the result of neglected dental care are covered; the insured must, if requested, provide proof of an annual preventive dental check-up. Conservative or prosthetic dental treatment is excluded.

i) konzervačné alebo protetické zubné ošetrenia, !!Uhradíme len náklady za akútne zubné ošetrenie, ktoré nie je dôsledkom zanedbanej starostlivosti,

[118] Search & rescue: — ↩

Optional cover (depending on the package chosen) for search-and-rescue costs abroad (mountains and water, within 3 nautical miles of the coast) and, separately, mountain rescue within Slovakia, each with an IPID minimum guaranteed sum insured of EUR 20,000. The Slovak mountain-rescue rider is sold in two tiers, 'Základ' (walking, alpine/cross-country skiing, snowboarding, sledding, bobsleigh) and 'Extrém' (additionally off-piste skiing, paragliding, cycling, climbing, via ferrata, caving, snow vehicles, ski touring).

Poistenie pátrania a záchrany je kryté min. do 20 000 € Záchrana na horách na Slovensku je kryté min. do 20 000 €

[119] Legal assistance: €5,000 ↩

Available only within the optional 'Asistenčné služby PLUS' rider: covers costs of a translator/interpreter, legal representative, and travel/accommodation for a required court appearance, up to EUR 5,000. The same rider also provides a refundable bail/kaucia advance of up to EUR 10,000 to secure release from custody.

Kaucia ... 10 000 € (kaucia je vratná) 2 Právna pomoc ... 5 000 €

[120] Emergency medical treatment: Covered ↩

Necessary ambulatory medical treatment abroad is covered within the overall medical-expenses sum insured; the insurer or its representative arranges transport to the nearest medical facility.

Z poistenia liečebných nákladov máte vy ako poistený právo na úhradu nevyhnutných nákladov na neodkladné lekárske ošetrenie, lieky, hospitalizáciu, prevoz a ostatné defi nované náklady, ktoré vám vznikli v dôsledku úrazu, akútneho ochorenia alebo úmrtia v zahraničí.

[121] Hospitalization: Covered ↩

Inpatient care abroad is covered within the overall medical-expenses sum insured for a maximum of 30 days from the start of the hospital stay; the insured must notify the insurer without delay if hospitalisation is required, otherwise benefits may be reduced.

e) liečebnú starostlivosť a pobyt v nemocnici, maximálne 30 dní od začiatku pobytu v nemocnici. ... Ak je nutný váš pobyt v nemocnici, musíte nás o tejto skutočnosti bezodkladne informovať, inak môže nastať krátenie pl nenia.

[122] Outpatient treatment: Covered ↩

Ambulatory treatment and medicines prescribed by a doctor abroad are covered within the overall medical-expenses sum insured.

21. Pri poistnej udalosti poskytneme poistné pl nenie za nevyhnutné náklady na: a) ambulantné lekárske ošetrenie, b) lekárom predpísané lieky v súvislosti s poistnou udalosťou,

[123] Medical evacuation: Covered ↩

Where medically necessary and reasonable, the insurer organises the insured's return transport to Slovakia or to another neighbouring state where the trip began, within the overall medical-expenses sum insured.

g) nami alebo našim zástupcom organizovanú spätnú prepravu ... primeraným zdravotníckym dopravným prostriedkom na Slovensko alebo do iného susediaceho štátu, ak sa v ňom cesta začala,

[124] Repatriation of remains: Covered ↩

In the event of death abroad, transport of the insured's mortal remains to Slovakia, or by agreement to another EU state, is covered within the overall medical-expenses sum insured, even if death occurred in a country where the insured had statutory health-insurance obligations outside Slovakia.

k) prevoz vašich telesných pozostatkov na územie Slovenskej republiky, resp. po do hode s nami do iného štátu Európskej únie. Toto zaplatíme aj v prípade, že smrť nastala v krajine, kde ste účastníkmi verejného alebo obdobného zdravotného pois tenia, mimo Slovenskej republiky!

[125] Pre existing conditions: Excluded ↩

Accidents or illnesses that already existed, were known, or were or could have been evident at the start of the trip, or that could reasonably have been expected to occur, are excluded, as are chronic/other illnesses that in the preceding 12 months required hospitalisation, were progressive, required a change of treatment/medication, or where a doctor advised against travel.

úrazom alebo ochorením, ktoré existovalo, bolo alebo mohlo byť zistené alebo zjavné už pri nástupe na cestu, alebo sa muselo očakávať, že môže nastať pri plánovanom priebehu cesty, chronickým alebo iným ochorením, ak toto ochorenie v priebehu predchádzajúcich 12 mesiacov vyžadovalo hospitalizáciu, malo progresívny charakter, vyžadovalo zmeny v liečbe alebo užívaní liekov

[126] Winter sports cover: Covered ↩

Recreational (non-competitive) alpine and cross-country skiing, snowboarding and off-piste skiing (where legally permitted) are covered under the base medical-expenses insurance without any extra rider, per the Sports Table. Competitive/performance skiing or snowboarding cannot be insured at all, even with the optional 'Výkon športu' rider.

Lyžovanie a snowboarding áno nie nie

[127] Adventure sports cover: Conditional ↩

Coverage for adventure activities depends entirely on the Sports Table: many activities are covered recreationally by default, some require the optional 'Výkon športu' rider for competitive practice, and a number of high-risk activities (e.g. BASE jumping, paragliding, heliskiing, freeride, cave diving, alpinism above grade 5, ski jumping) are excluded outright and cannot be insured under any rider. Extreme sports involving danger far above the risk normally associated with travel are also excluded under the medical-expenses terms.

Alpinizmus do 5. stupňa (6. stupeň nepoistený) áno nie nie ... Basejump nie nie nie

[128] Pregnancy complications: Excluded ↩

Childbirth, tests to confirm pregnancy, termination of pregnancy, infertility examination/treatment, artificial insemination and cytology are excluded from the medical-expenses cover.

pôrod, vyšetrenie (vrátane laboratórneho a ultrazvukového) na zistenie tehotenstva, interrupciu, vyšetrenie a liečbu neplodnosti a umelé oplodnenie, cytológiu,

[129] Medical expenses: €100,000 – €300,000 ↩

Overall limit for medically necessary treatment abroad, including repatriation costs: 100,000 EUR under Prima, 200,000 EUR under Optimum, and 300,000 EUR under Excelent tier.

Liečebné náklady (vrátane repatriácie): 100 000 € 200 000 € 300 000 €

[130] Medical transport: Covered ↩

Transport of the insured to the nearest suitable medical facility (e.g. ambulance or taxi) is covered as part of the overall medical expenses limit, without a separate sublimit.

záchrannú službu alebo taxislužbu na prepravu do najbližšieho zdravotníckeho zariadenia a z neho do miesta ubytovania v zahraničí (pri neschopnosti chodiť)

[131] COVID-19 treatment: Conditional ↩

Medical costs from COVID-19 contracted abroad are covered under the Public Commitment (Verejný prísľub) effective from 1 April 2026, within the overall medical expenses limit for the selected tier.

vo Verejnom prísľube platnom od 01.04.2026.

[132] Personal liability: €100,000 – €150,000 ↩

Covers damage to health/life or property caused by the insured to a third party abroad. Included as a base benefit only in the Excelent tier (150,000 EUR for injury/death, 250 EUR per item for property damage); for Prima and Optimum it is available only as an optional rider (100,000 EUR for injury/death, 250 EUR per item for property damage).

Zdravie, smrť 100 000 € 100 000 € x

[133] Emergency dental: €150 – €250 ↩

Acute dental treatment for pain relief, limited per tooth (max. 2 teeth): 150 EUR (Prima), 200 EUR (Optimum), 250 EUR (Excelent).

- akútne zubné ošetrenie 150 €/1 zub/max. 2 zuby 200 €/1 zub/max. 2 zuby 250 €/1 zub/max. 2 zuby

[134] Search & rescue: €20,000 ↩

Costs of a mountain, sea, air or land rescue service (e.g. mountain rescue) abroad, up to 20,000 EUR, the same across all tiers, subject to specific exclusions (e.g. avalanche warning level 4+, non-public caves).

- náklady záchrannej služby 20 000 € 20 000 € 20 000 €

[135] Legal assistance: €12,000 ↩

Covers lawyer's fees for legal representation abroad and includes a bail/deposit (kaucia) sublimit of 5,000 EUR, both within the 12,000 EUR overall limit, the same across all tiers.

Právna ochrana 12 000 € 12 000 € 12 000 € - v tom kaucia 5000 € 5000 € 5000 €

[136] Emergency medical treatment: €100,000 – €300,000 ↩

Necessary and urgent medical treatment for acute illness or injury abroad and medicines bought on prescription, covered within the overall medical expenses limit (100,000-300,000 EUR depending on tier).

ošetrenie poisteného v zahraničí v dôsledku akútneho ochorenia alebo úrazu počas trvania poistenia. Jedná sa o ošetrenie z lekárskeho hľadiska nevyhnutné a neodkladné k stabilizácií stavu poisteného

[137] Hospitalization: €100,000 – €300,000 ↩

Hospitalization in a medical facility abroad is covered within the overall medical expenses limit until the insured is fit to travel home.

hospitalizáciu poisteného v zdravotnom zariadení/nemocničnej izbe, pričom nárok na poistné plnenie zaniká od okamihu, kedy bude poistený schopný prevozu do vlasti

[138] Outpatient treatment: €100,000 – €300,000 ↩

Outpatient examinations and treatment abroad are covered within the overall medical expenses limit.

pri platbách spojených s ambulantným liečením zaplatiť na mieste a doklady o týchto platbách spolu s lekárskou správou a diagnózou predložiť po návrate do vlasti poisťovni

[139] Medical evacuation: Covered ↩

If the insured cannot use the originally planned mode of transport for health reasons, return transport to Slovakia is arranged and paid within the overall medical expenses limit, subject to assistance service approval.

prepravu (repatriáciu) poisteného zo zahraničia späť do vlasti, akonáhle to dovolí zdravotný stav poisteného a to za predpokladu, že z dôvodu škodovej udalosti nemôže poistený použiť pôvodne plánovaný spôsob dopravy

[140] Repatriation of remains: €10,000 ↩

Transport (repatriation) of mortal remains to the home country, or cremation and transport of ashes, up to 10,000 EUR, the same across all tiers.

- repatriácia telesných pozostatkov 10 000 € 10 000 € 10 000 €

[141] Pre existing conditions: Excluded ↩

Pre-existing, chronic or recurring illnesses, as well as mental disorders, and any predictable worsening of a condition known at the time of concluding the policy, are excluded, except for emergency stabilization treatment.

akékoľvek ošetrovanie, lekársky úkon alebo liečenie, ktorého dôvodom je zhoršenie zdravotného stavu existujúceho v čase uzavretia poistnej zmluvy ak toto zhoršenie bolo predvídateľné

[142] Winter sports cover: Optional ↩

The T&Cs classify most alpine skiing and snowboarding (including on groomed slopes), ice hockey, speed skating, bobsleigh and freeride as 'risk sports', which require the optional risk sports rider (available for all tiers) and an increased premium; skiing/riding off marked trails is always a risk sport.

Športy na ľade: ľadový hokej, rýchlokorčuľovanie, krasokorčuľovanie, freeride (snowkiting), športové boby a sane, akrobatické lyžovanie, všetky druhy alpského lyžovania, lyžovanie a snowboarding mimo vyznačených trás

[143] Adventure sports cover: Optional ↩

By default the policy only covers non-risk sports; a defined list of risk sports and activities (diving, climbing, combat sports, motorsports, etc.) requires the optional risk-sports rider and payment of an increased premium; available in all tiers.

Poistenie sa vzťahuje iba na vykonávanie nerizikových športov (všetky okrem rizikových športov), ak nebolo v poistnej zmluve dohodnuté inak.

[144] Pregnancy complications: Conditional ↩

Treatment for pregnancy complications is covered within the overall medical expenses limit only if they arise before completion of the 24th week of pregnancy; complications after the 24th week and complications arising from a high-risk pregnancy are excluded.

ošetrenie pri komplikáciách v ťarchavosti, ktoré vzniknú pred ukončením 24. týždňa tehotenstva okrem komplikácií, ktoré nastali v rámci rizikového tehotenstva

[145] Medical expenses: €250,000 ↩

General limit of indemnity for medical expenses incurred due to sudden illness or accident abroad (Art. 14 VPP CCZ-1), covering ambulatory treatment, medication, hospitalization, surgery, transport and repatriation; a separate 50,000 EUR limit applies for terrorist attacks and 100,000 EUR for epidemic/pandemic events.

Liečebné náklady (čl. 14 ods. 1 písm. a) až g) 250 000 €

[146] Medical transport: €250,000 ↩

Transport of the insured for urgent examination or treatment to the nearest suitable medical facility, including the return journey, is covered within the overall 250,000 EUR medical expenses limit (Art. 14(1)(e) VPP CCZ-1).

prepravu alebo prevoz poisteného za účelom akútneho vyšetrenia alebo ošetrenia z miesta pobytu do najbližšieho vhodného zdravotníckeho zariadenia, vrátane cesty späť

[147] COVID-19 treatment: €100,000 ↩

By way of exception to the general epidemic/pandemic exclusion, the insurer covers medical expenses caused by an epidemic or pandemic up to a limit of 100,000 EUR, unless the insured travelled to a state/area officially advised against travel to before departure (Art. 16 VPP CCZ-1).

Odchylne od čl. 9 ods. 1 písm. l) poisťovňa poskytne poistné plnenie za liečebné náklady, aj keď poistná udalosť nastala v dôsledku epidémie alebo pandémie.

[148] Personal liability: €50,000 – €100,000 ↩

Optional component covering liability for damage caused to third parties abroad: 100,000 EUR limit for personal injury and 50,000 EUR for property/other financial damage (Table 1, Art. 29-32 VPP CCZ-1). Bundled into the Komplet 45 and Komplet 90 packages.

Škoda na zdraví 100 000 € Škoda na veci a iná majetková ujma 50 000 €

[149] Emergency dental: €400 ↩

Emergency dental treatment to relieve acute pain is covered up to a sublimit of 200 EUR per tooth and 400 EUR in total (Art. 14(1)(h) VPP CCZ-1), provided the need is not due to neglected dental prevention or unfinished treatment.

zubné ošetrenie poisteného pri akútnych stavoch na zmiernenie bolesti, ak dôvodom nie je zanedbaná starostlivosť alebo nedokončená liečba, do výšky sublimitu plnenia za ošetrenie jedného zubu a celkového sublimitu plnenia

[150] Search & rescue: €20,000 ↩

Costs of search, rescue and transport by a rescue service in direct connection with a threat to the insured's life or health (mountains, sea, vehicle accident, building collapse) are covered up to a sublimit of 20,000 EUR (Art. 17 VPP CCZ-1).

Poisťovňa uhradí nevyhnutné, účelne vynaložené náklady na vyhľadávanie, vyslobodzovanie, prepravu poisteného

[151] Legal assistance: €12,000 ↩

Optional component (can be added to the medical expenses cover independently of the three package tiers) covering legal representation costs abroad up to 12,000 EUR, plus a bail-related loan sublimit of 5,000 EUR, applicable in road-accident related misdemeanor/criminal proceedings against the insured (Art. 34 VPP CCZ-1).

Poisťovňa poskytne plnenie podľa ods. 4 do výšky limitu plnenia pre náklady právneho zastúpenia a sublimitu plnenia pre kauciu uvedených v Tabuľke č. 1.

[152] Emergency medical treatment: €250,000 ↩

Ambulatory emergency treatment necessary to stabilize the insured's condition is covered within the overall 250,000 EUR medical expenses limit (Art. 14(1)(a) VPP CCZ-1).

ambulantné lekárske ošetrenie poisteného vedúce k stabilizácii jeho zdravotného stavu tak, aby mohol pokračovať v ceste alebo pobyte

[153] Hospitalization: €250,000 ↩

Hospitalization costs, including medical procedures and medically justified ancillary costs, are covered within the overall 250,000 EUR medical expenses limit until the insured is fit to be transported home (Art. 14(1)(c) VPP CCZ-1).

hospitalizáciu poisteného v zdravotníckom zariadení, vrátane lekárskych výkonov a medicínsky opodstatnených vedľajších nákladov

[154] Outpatient treatment: €250,000 ↩

Outpatient medical treatment and prescribed medication are covered within the overall 250,000 EUR medical expenses limit (Art. 14(1)(a)-(b) VPP CCZ-1).

ambulantné lekárske ošetrenie poisteného vedúce k stabilizácii jeho zdravotného stavu... lieky pre poisteného na lekársky predpis

[155] Medical evacuation: €250,000 ↩

Repatriation of the insured to Slovakia (or their home country) as soon as their health condition permits, including transport of one accompanying person if medically necessary, is covered within the overall 250,000 EUR limit; if repatriation is to a country other than Slovakia, indemnity is capped at the cost equivalent to transport to Slovakia (Art. 14(1)(g) VPP CCZ-1).

repatriáciu poisteného na územie SR alebo štátu, ktorého je poistený občanom, akonáhle to zdravotný stav poisteného dovolí

[156] Repatriation of remains: €30,000 ↩

In the event of the insured's death, the insurer covers necessary costs for repatriation of the remains, or cremation and transport of the remains, up to a sublimit of 30,000 EUR (Art. 24 VPP CCZ-1).

poisťovňa uhradí nevyhnutné, účelne vynaložené náklady na: a) repatriáciu telesných pozostatkov poisteného, vrátane opodstatnených súvisiacich nákladov

[157] Pre existing conditions: Excluded ↩

Treatment of conditions where the deterioration was foreseeable at policy inception or at the time of travel, treatment of chronic diseases, and medication for illnesses known or already being treated before departure are excluded (Art. 27(1)(b),(d),(e) VPP CCZ-1).

ošetrenie, lekársky úkon alebo liečenie, ktorého dôvodom je zhoršenie zdravotného stavu poisteného, ak toto zhoršenie bolo v čase uzavretia poistnej zmluvy predvídateľné

[158] Winter sports cover: Optional ↩

Alpine skiing, off-piste skiing/snowboarding, ice hockey and similar winter activities fall under the definition of 'risky sports' and are excluded unless separately agreed in the policy (Art. 9(3)(b), Art. 52(50)(c) VPP CCZ-1).

zimné športy: ľadový hokej, rýchlokorčuľovanie, krasokorčuľovanie, freeride (snowkiting)... všetky druhy alpského lyžovania, lyžovanie a snowbording mimo vyznačených trás

[159] Adventure sports cover: Optional ↩

Losses arising during risky sports (as extensively listed in Art. 52(50), e.g. diving, climbing, paragliding, motorsports) are excluded unless separately agreed as an extension to the policy (Art. 9(3)(b) VPP CCZ-1).

rizikových športov (čl. 52 ods. 50)

[160] Pregnancy complications: €250,000 ↩

Treatment, including delivery, for complications of pregnancy that arose before the start of the 24th week of pregnancy is covered within the general 250,000 EUR medical expenses limit; complications resulting from a high-risk pregnancy, abortion or childbirth outside this exception are excluded (Art. 14(1)(f), Art. 27(2)(c) VPP CCZ-1).

ošetrenie (vrátane pôrodu) pri komplikáciách v ťarchavosti, ktoré vznikli pred začiatkom 24. týždňa tehotenstva, okrem komplikácií, ktoré nastali v dôsledku rizikového tehotenstva

[161] Medical expenses: €100,000 ↩

Core benefit covering medical treatment costs and related expenses abroad (injury or illness), with a sum insured of 100,000 EUR, included as a base benefit across the Silver, Gold and Platinum programs.

Liečebné náklady a súvisiace výdavky 100 000 €

[162] Medical transport: €100,000 ↩

Transport connected with emergency evacuation (e.g. by air ambulance) is included as a core benefit with a sum insured of 100,000 EUR across the Silver, Gold and Platinum tiers.

Núdzová evakuácia 100 000 €

[163] COVID-19 treatment: See details ↩

A COVID-related add-on ('Covid balíček') is mentioned only for MetLife's group corporate travel product, not for this individual Silver/Gold/Platinum product; no source confirms COVID-19 treatment cover here.

Ponúkame aj „Covid balíček“ – pripoistenie krytia nákladov súvisiacich s nariadenou izoláciou v prípade covidu a pod.

[164] Personal liability: Covered ↩

Liability cover for damage caused to third parties is included from the Silver tier upward; no published sum insured.

Zodpovednosť za škodu 30 000 € 75 €

[165] Emergency dental: €300 ↩

Dental treatment is covered within the medical treatment cost benefit up to a total of 300 EUR, with a sub-limit of 100 EUR per tooth, across all tiers (Silver, Gold, Platinum).

celkom 300 € max. 100 € za zub

[166] Search & rescue: See details ↩

No reviewed source for this individual product addresses a distinct search-and-rescue benefit.

[167] Legal assistance: See details ↩

No reviewed source for this individual product mentions a distinct legal assistance/legal expenses benefit.

[168] Emergency medical treatment: Covered ↩

Emergency treatment for accident or sudden illness is part of the core medical treatment cost benefit included in all three tiers; no specific sum insured is published.

Liečebné náklady a súvisiace výdavky 100 000 €

[169] Hospitalization: €100,000 ↩

Hospitalization costs abroad are covered within the overall medical treatment cost benefit, which carries a combined sum insured of 100,000 EUR across all tiers (Silver, Gold, Platinum).

Liečebné náklady a súvisiace výdavky 100 000 €

[170] Outpatient treatment: €100,000 ↩

Outpatient medical treatment for injury or common illness is covered within the medical treatment cost benefit, which carries a combined sum insured of 100,000 EUR across all tiers (Silver, Gold, Platinum).

Liečebné náklady a súvisiace výdavky 100 000 €

[171] Medical evacuation: €100,000 ↩

Emergency evacuation is a core benefit included in the Silver tier and above, with a sum insured of 100,000 EUR.

Núdzová evakuácia 100 000 €

[172] Repatriation of remains: €7,000 ↩

Repatriation of remains in case of death abroad is included in the core coverage across all three tiers, with a sum insured of 7,000 EUR.

Repatriácia pozostatkov 7 000 €

[173] Pre existing conditions: See details ↩

No reviewed source states whether pre-existing medical conditions are covered or excluded for this product.

[174] Winter sports cover: Optional ↩

Winter sports (e.g. speed skating, tobogganing/bobsledding, ski touring, snowmobiling) are covered under the optional 'Extreme Sports' rider, not as a base benefit.

Zimné športy: rýchlostné korčuľovanie, jazda v tobogane na sánkach alebo boboch, skialpinizmus, snežný skúter.

[175] Adventure sports cover: Optional ↩

Water, air and other risky sports (e.g. jet-skiing, rafting, parasailing, diving, combat sports) are covered only via the optional 'Extreme Sports' rider.

Vodné športy: vodné motorové športy (vodný skúter), jachting, rafting, kanoe, potápanie s dýchacím prístrojom s inštruktorom (bez inštruktora v prípade, ak má Poistená osoba osvedčenie z kurzu potápania).

[176] Pregnancy complications: See details ↩

No reviewed source addresses cover for pregnancy complications under this product.

[177] Medical expenses: Covered ↩

Covers outpatient treatment, hospitalisation, prescribed medicines/materials and transport to/from a medical facility and back home. Sum insured is 250,000 € for packages Štandard, Komfort and Študent; for package Premium it is paid up to the actual costs incurred (uncapped).

[178] Medical transport: Covered ↩

Transport of the insured to the nearest medical facility and back to the accommodation, where medically necessary, is included within the overall medical-expenses sum.

[179] COVID-19 treatment: €100,000 ↩

Medical expenses arising from an epidemic or pandemic illness (incl. transport of remains up to 10,000 €) are covered up to 100,000 €. This cover is included as standard in packages Premium and Študent, and can be purchased as an optional add-on for packages Štandard and Komfort. Not available for Slovakia-only packages (Hory/Doma/Komplet).

[180] Personal liability: €100,000 – €150,000 ↩

Covers bodily-injury claims up to 100,000 € (Komfort/Študent/Doma) or 150,000 € (Premium/Komplet); property/animal damage up to 35,000 €/75,000 €; healthcare costs up to 35,000 €/75,000 €; rescue costs 5,000 € and cost-assessment costs 5,000 €. Not included in packages Štandard or Hory.

[181] Emergency dental: €300 ↩

Necessary/urgent dental treatment to remove pain, up to 100 € per event, max. 300 € for all events during the insurance period.

[182] Search & rescue: €20,000 – €50,000 ↩

Covers search/rescue, extrication and transport costs (incl. Mountain Rescue Service call-outs in Slovakia). Sum insured is 20,000 € for packages Štandard, Komfort, Študent, Hory and Doma, and 50,000 € for packages Premium and Komplet.

[183] Legal assistance: €5,000 – €25,000 ↩

Legal representation costs connected with a liability claim are covered up to 25,000 € for events abroad and up to 5,000 € for events within Slovakia. Available only in the same packages that include general liability cover (Komfort, Premium, Študent, Doma, Komplet).

[184] Emergency medical treatment: Covered ↩

Emergency ambulatory treatment is part of the overall medical-expenses sum: 250,000 € for Štandard/Komfort/Študent, and up to actual incurred costs for Premium; there is no separate sub-limit.

[185] Hospitalization: Covered ↩

Hospitalisation in a standard room and medical care during hospitalisation, including prescribed medicines/materials, is included within the same overall medical-expenses sum (250,000 € for Štandard/Komfort/Študent; uncapped/actual costs for Premium).

[186] Outpatient treatment: Covered ↩

Ambulatory treatment including prescribed medicines and medical devices/materials for fixation or walking support is included within the overall medical-expenses sum (250,000 € for Štandard/Komfort/Študent; actual costs for Premium).

[187] Medical evacuation: Covered ↩

Transport of the insured back to their home country when the originally planned means of transport cannot be used for health reasons, included within the overall medical-expenses sum.

[188] Repatriation of remains: €10,000 ↩

In the event of the insured's death, transport of the remains to the place of burial in the home country is covered up to 10,000 €.

[189] Pre existing conditions: Excluded ↩

Diseases and injuries existing at the time the insurance contract is concluded are explicitly excluded from cover according to the IPID's list of exclusions.

choroby a úrazy existujúce v čase uzatvorenia poistenia a psychické choroby a ochorenia

[190] Winter sports cover: Covered ↩

Recreational skiing, snowboarding, cross-country skiing and skibob on marked trails, plus recreational ice-skating and sledging, are not classified as 'risky sports' and are therefore covered under the base TURISTA risk group. Off-piste or other risky winter disciplines require the ŠPORT risk group to be selected in the contract.

individuálne a kolektívne zimné športy. Za rizikový šport sa v tomto prípade nepovažuje lyžovanie, snowboarding, beh na lyžiach a jazda na skiboboch prevádzkované po vyznačených trasách, rekreačné korčuľovanie na ľade a rekreačné sánkovanie.

[191] Adventure sports cover: Conditional ↩

'Risky sports' (e.g. martial/combat sports, hunting, diving, cycling sports, motor sports, mountaineering equipment use, etc.) are covered only if the ŠPORT (or higher) risk group is selected in the contract. 'Extreme sports' (air sports, parachuting, high-altitude/polar expeditions, extreme adrenaline disciplines) are never covered, under any risk group.

Pokiaľ je v poistnej zmluve dojednaná riziková skupina označená ako TURISTA a k vzniku poistnej udalosti dôjde pri prevádzkovaní rizikových športov alebo pri prevádzkovaní extrémnych športov alebo pri vykonávaní manuálnej práce poisteným, poisťovateľ neposkytne poistné plnenie.

[192] Pregnancy complications: See details ↩

The reviewed policy documents do not describe a distinct pregnancy-complications benefit or limit.

[193] Medical expenses: €250,000 ↩

Maximum benefit for necessary medical treatment abroad due to acute illness or injury is €250,000 per insured person per policy period, identical in all four packages (Basic, Plus, Komfort, Extra); this sum insured is shared across all items 14-27 of the benefits table (treatment, hospitalization, transport, dental, repatriation, etc.).

Maximálne poistné plnenia v bodoch 14. až 27. do výšky poistnej sumy pre liečebné náklady. 250 000 250 000 250 000 250 000

[194] Medical transport: €250,000 ↩

Covers transport to the nearest suitable healthcare facility and necessary medicine transport, up to €250,000, within the shared medical expenses cap.

af) nákladmi spojenými s nevyhnutne potrebnou prepravou liekov, sér z najbližšieho dostupného miesta, v ktorom sa nevyhnutné lieky, séra nachádzajú,

[195] COVID-19 treatment: €250,000 ↩

Od 17.8.2021 UNIQA kryje liečebné náklady spojené s ochorením COVID-19 (ambulantné ošetrenie, lieky, hospitalizácia, repatriácia) v rámci štandardného poistenia liečebných nákladov pre všetky krajiny bez ohľadu na typ zmluvy (krátkodobé aj ročné). Krytie sa riadi všeobecným limitom poistenia liečebných nákladov, ktorý je vo všetkých balíkoch (Basic, Plus, Komfort, Extra) do výšky 250 000 EUR. Samostatný osobitný sublimit pre COVID-19 nie je v aktuálnych podmienkach stanovený - ochorenie sa posudzuje ako bežné akútne ochorenie. Súčasťou rozšírenia je aj krytie nákladov na karanténne ubytovanie v zahraničí do limitu 1500 EUR pri potvrdenom pozitívnom teste.

[196] Personal liability: €200,000 ↩

Covers unintentional damage to health and property caused by the insured, up to €200,000 for each type of damage, but only in the Plus, Komfort and Extra packages; it is not included in Basic.

29. Neúmyselne spôsobené škody na zdraví – 200 000 200 000 200 000 na veci – 200 000 200 000 200 000

[197] Emergency dental: €400 – €650 ↩

Covers only acute first-aid dental treatment (tooth extraction, temporary filling) up to €400 (Basic), €450 (Plus), €500 (Komfort) or €650 (Extra) per event, conditional on the insured having had a preventive dental check-up in the current or previous calendar year; full dental treatment, crowns, bridges and periodontal care are excluded.

24. Ošetrenie zubov - iba akútne prípady (vyvŕtanie, liečivá vložka, vytrhnutie a pod.). poistná udalosť 400 450 500 650

[198] Search & rescue: €250,000 ↩

Search and rescue costs in the mountains or on/in water abroad are covered up to €250,000, within the shared medical expenses cap. Separately, Mountain Rescue Service (HZS) intervention costs within Slovak territory are covered under a dedicated benefit up to €16,600 per policy period, in all four packages.

14. Náklady na pátranie a záchranu poisteného na horách a na/vo vode. 250 000 250 000 250 000 250 000

[199] Legal assistance: €2,000 – €6,000 ↩

Provides assistance with police detention and securing a lawyer/interpreter up to €2,000 (Basic, Plus, Komfort) or €6,000 (Extra), plus a refundable lawyer's deposit/bail up to €1,800 (Basic, Plus, Komfort) or €5,000 (Extra). Included in all four packages, but does not apply in Slovakia or the insured's country of permanent residence.

30. Pomoc pri zadržaní alebo hrozbe zadržania políciou. maximálne 2 000 2 000 2 000 6 000

[200] Emergency medical treatment: €250,000 ↩

Covers necessary medical examination, treatment and prescribed medication following an acute illness or accident abroad, within the same shared €250,000 medical expenses sum insured, in all four packages.

aa) nevyhnutným lekárskym vyšetrením, ošetrením a následným predpísaním liekov,

[201] Hospitalization: €250,000 ↩

Hospitalization in a standard ward of a public hospital is covered up to €250,000 (shared cap), plus a daily cash benefit of €18/day (Basic, Plus, Komfort) or €20/day (Extra) for up to 14 days of hospitalization.

17. Hospitalizácia. do 250 000 do 250 000 do 250 000 do 250 000

[202] Outpatient treatment: €250,000 ↩

Outpatient (ambulatory) medical treatment abroad is covered up to €250,000, within the shared medical expenses sum insured, in all four packages.

16. Ambulantné ošetrenie. do 250 000 do 250 000 do 250 000 do 250 000

[203] Medical evacuation: €250,000 ↩

Covers doctor-ordered transport back to Slovakia (including air ambulance where necessary), up to €250,000, within the shared medical expenses cap, in all four packages.

bb) poisteného do najbližšieho vhodného zdravotníckeho zariadenia v mieste jeho trvalého bydliska, resp. v mieste zabezpečenia jeho následnej mimonemocničnej opatery v Slovenskej republike, vrátane prevozu jeho cestovnej batožiny.

[204] Repatriation of remains: €250,000 ↩

Covers transport of the insured's remains to the place of burial in Slovakia, up to €250,000 (coffin fees excluded, except a transport coffin), within the shared medical expenses cap.

25. Repatriácia telesných pozostatkov poisteného do domovskej krajiny. do 250 000 do 250 000 do 250 000 do 250 000

[205] Pre existing conditions: €20,000 ↩

Acute, unforeseeable deterioration of a chronic or pre-existing condition (including consequences of an earlier injury) is covered up to €20,000 for items 14-24 of the benefits table, in all four packages, but only if the condition did not require hospitalization in the 9 months before the policy started; heart disease, cancer, stroke, type I diabetes, epilepsy and multiple sclerosis requiring hospitalization in that period are excluded entirely.

Na chronické a existujúce ochorenia, vrátane následkov úrazu, ktoré si v priebehu 9 mesiacov pred vznikom poistnej udalosti poisteného vyžiadali hospitalizáciu, sa poistná ochrana vzťahuje len v prípade, ak ide o nepredvídateľné opätovné zhoršenie zdravotného stavu poisteného, a to maximálne do výšky poistnej sumy pre chronické a existujúce ochorenia dohodnutej v poistnej zmluve.

[206] Winter sports cover: €250,000 ↩

Recreational winter sports (skiing, snowboarding) on marked ski slopes and trails are covered within the general €250,000 medical expenses cap at no extra charge; off-piste skiing, ski touring above 5,000 m, and skiing without a mountain guide are excluded unless otherwise agreed.

b) na vykonávanie zimných športov (lyžovanie, snowbording) na vyznačených lyžiarskych svahoch alebo lyžiarskych tratiach, ak nie je v zmluve dojednané inak.

[207] Adventure sports cover: Excluded ↩

A long list of extreme and high-risk activities (e.g. mountaineering/ski touring above 5,000 m, bungee jumping, paragliding, off-piste skiing, whitewater rafting/kayaking above WW3, motorsports) is explicitly excluded from all coverage sections unless otherwise agreed in the policy.

Poistenie sa nevzťahuje na nasledovné extrémne a rizikové športové činnosti: Aerotrim, Bicross, Buggykitting, Jazdecké pólo, Kanoe a Kajak WW3 a vyšší, Parasailing, Poľovníctvo, Potápanie so vzduchovým prístrojom do hĺbky väčšej ako uvedenej v platnom medzinárodnom oprávnení na potápanie poistenej osoby, Streetluge, Zorbing, Off-piste pokiaľ nie je v poistnej zmluve uvedené inak.

[208] Pregnancy complications: Conditional ↩

Complications of pregnancy are covered as an acute illness (within the general medical expenses cap) only until the completion of the 26th week of pregnancy; costs related to childbirth and its complications after that point, as well as routine pregnancy diagnosis, check-ups and voluntary termination, are always excluded.

o) náklady, ktoré vznikli v súvislosti s komplikáciami v tehotenstve, po ukončení 26. týždňa tehotenstva vrátane pôrodu a jeho komplikácií,

[209] Medical expenses: €100,000 – €350,000 ↩

poistenie liečebných nákladov v zahraničí kumulatívne za všetky čiastkové liečebné náklady (v rozsahu bodov a1-a9 tohto odseku) poistná suma 100 000 Eur v Balíku S, poistná suma 150 000 Eur v balíku M a poistná suma 350 000 Eur v Balíku L

[210] Medical transport: €100,000 – €350,000 ↩

Medically necessary transport of the insured to the nearest healthcare facility, or between facilities, up to the unexhausted sum insured, subject to prior approval by the assistance company.

doprava poisteného alebo nemenovanej osoby do zdravotníckeho zariadenia – reálne náklady takejto dopravy až do výšky nevyčerpanej poistnej sumy

[211] COVID-19 treatment: Optional ↩

An optional COVID-19 rider can be added to any package; its specific sums/limits are set out in a separate 'Zmluvné dojednania pre poistenie COVID' document not included among the reviewed sources.

[212] Personal liability: €50,000 – €250,000 ↩

Available only in Balík M or L (not in Balík S): Balík M covers bodily-injury liability up to 100,000 EUR and property-damage liability up to 50,000 EUR; Balík L covers 250,000 EUR / 100,000 EUR respectively; each claim carries a 150 EUR deductible.

v balíku M sa dojednáva poistná suma pre poistenie zodpovednosti za škodu spôsobenú na zdraví na 100 000 Eur so spoluúčasťou 150 Eur a poistná suma pre poistenie zodpovednosti za škodu na majetku 50 000 Eur so spoluúčasťou 150 Eur

[213] Emergency dental: €400 ↩

Emergency dental treatment for injury or acute painful dental condition (pain relief, simple filling incl. X-ray, or extraction) is covered up to 400 EUR for a maximum of one claim; excludes definitive dental restoration and is excluded if the mandatory annual preventive check-up was neglected.

s výnimkou ošetrenia zubov obmedzeného na úhradu maximálne jednej poistnej udalosti s limitom poistného plnenia 400 Eur

[214] Search & rescue: €17,000 ↩

Optional cover (can be added even without any of the S/M/L packages) for costs of Mountain Rescue Service interventions (search, rescue, transport) in designated mountain areas of Slovakia, up to a flat sum insured of 17,000 EUR.

poistenie nákladov na zásah horskej služby sa dojednáva s poistnou sumou 17 000 Eur.

[215] Legal assistance: €15,000 ↩

Available only within Balík L: sum insured of 15,000 EUR, split into a 10,000 EUR sub-limit for legal assistance costs and a 5,000 EUR sub-limit for bail; excludes matters connected with the insured's occupation, drug/weapon offences, political/religious activity, or events in Slovakia.

poistenie právnej pomoci sa dojednáva len v balíku L s poistnou sumou 15 000 Eur a s limitom poistného plnenia pre poskytnutie právnej pomoci vo výške 10 000 Eur a s limitom poistného plnenia pre kauciu vo výške 5 000 Eur

[216] Emergency medical treatment: €100,000 – €350,000 ↩

Real costs of outpatient medical treatment abroad up to the unexhausted sum insured of the chosen package (S/M/L).

ambulantné ošetrenie – reálne náklady ambulantného ošetrenia až do výšky nevyčerpanej poistnej sumy

[217] Hospitalization: €100,000 – €350,000 ↩

Real hospitalization costs in a standard ward, including diagnostics, therapy, surgery, anaesthesia, medication and board, up to the unexhausted sum insured.

hospitalizácia-reálne náklady hospitalizácie až do výšky nevyčerpanej poistnej sumy

[218] Outpatient treatment: €100,000 – €350,000 ↩

Ambulatory healthcare including materials and diagnostics is covered up to the unexhausted sum insured for the chosen package.

ambulantné ošetrenie – reálne náklady ambulantného ošetrenia až do výšky nevyčerpanej poistnej sumy

[219] Medical evacuation: €100,000 – €350,000 ↩

If the insured is unable to return by the originally planned means of transport for health reasons, a doctor-recommended transfer to the place of residence or a hospital in Slovakia is covered up to the unexhausted sum insured, subject to prior assistance-company approval.

lekárom odporúčaný prevoz poisteného do miesta trvalého bydliska alebo nemocnice v Slovenskej republike v prípade, že poistený nie je v dôsledku poistnej udalosti zo zdravotných dôvodov schopný návratu pôvodne plánovaným dopravným prostriedkom.

[220] Repatriation of remains: €7,000 – €30,000 ↩

In case of death abroad, transport of the remains (incl. coffin/urn) to Slovakia is covered up to the unexhausted medical sum; cremation abroad is capped at 7,000 EUR, or 30,000 EUR if the 'Rodina' (family) extension was agreed.

kremácia telesných ostatkov poisteného maximálne do výšky 7 000 Eur a ak bolo dojednané poistenie „Rodina“ maximálne do výšky 30 000 Eur

[221] Pre existing conditions: €100,000 – €350,000 ↩

An unforeseeable acute worsening of a chronic condition that immediately endangers health or life during the trip is covered up to the package's medical sum, but only if the chronic condition was stabilized for the 12 months preceding the start of insurance; conditions diagnosed/treated before inception, or unstabilized chronic diseases, are otherwise excluded.

Poistnou udalosťou v prípade chronickej choroby je nepredvídateľné zhoršenie zdravotného stavu poisteného počas cesty, ktoré bezprostredne ohrozuje jeho zdravie alebo život a vyžaduje poskytnutie nevyhnutnej zdravotnej starostlivosti na opätovnú stabilizáciu jeho zdravotného stavu.

[222] Winter sports cover: Optional ↩

Risk sports such as skiing/sledding on marked runs or ice skating are covered only if the 'rozšírené poistné krytie – rizikový šport' extension is expressly agreed; off-piste skiing, ski-touring, freeride, alpine mountaineering above 3,500 m and similar activities are classified as 'nebezpečné športy' and cannot be insured at all under this product.

Rizikové športy a aktivity sú pre účely týchto VPP-KCP: atletika, basketbal, bejzbal, bodybuilding, florbal, futbal, fitnes, hádzaná, hokejbal, cheerleaders – roztlieskavačky, jazda na skiboboch na vyznačených trasách

[223] Adventure sports cover: Excluded ↩

The policy cannot be concluded at all for insured persons practicing 'nebezpečné športy' (a long enumerated list incl. base jumping, bungee jumping, paragliding, skydiving, via ferrata, extreme mountaineering, etc.), and such events are excluded from indemnity in any case.

Nebezpečné športy sú: aerials, aerotrim, airsoft, akrobatické lyžovanie, alpinizmus, americký futbal, base jumping

[224] Pregnancy complications: Excluded ↩

Pregnancy after the 26th week (incl. birth, complications and postnatal newborn care), risk pregnancy, and elective termination of pregnancy and their consequences are excluded; pregnancy tests are also not reimbursed.

tehotenstva po ukončení 26. týždňa gravidity, vrátane pôrodu, komplikácií a popôrodnej starostlivosti o novorodenca, rizikového tehotenstva, zámerného ukončenia tehotenstva a ich dôsledkov