Allianz Travel insurance (Celorocne Cestovne Poistenie)

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.

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.

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).

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.