BNP Paribas Cardif Poisťovňa, a.s.
BNP Paribas Cardif
BNP Paribas Cardif is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The monthly premium is collected directly from the insured's mBank account/credit card to which the policy is linked; for medical expenses abroad, the insurer or Assistance Centre typically settles costs directly with the healthcare provider, but the insured may also pay out of pocket and claim reimbursement against submitted receipts.
Geographic scope
Worldwide (SVET)
Coverage applies abroad, i.e. outside Slovakia and outside the country where the insured is a public health insurance participant; the domestic Mountain Rescue Service (HZS) benefit applies only within Slovakia.
Starting price
€4
Indicative — pricing assumptions not stated
Unique selling points
- Worldwide medical coverage up to €400,000 per insured person, well above typical card-linked travel policies.
- Recreational winter and adventure sports (skiing on marked trails, via ferrata grade A-C, scuba diving to 10m) are included at no extra cost, activities many insurers charge extra for.
- A single Family plan (€6.50/month) extends full protection to a spouse/partner and children under 18 living in the same household, not just the cardholder.
- A 14-day free cancellation right applies after taking out the policy via distance means, with no justification required.
- Trip cancellation, missed departure, and baggage delay or loss are bundled into the standard package rather than sold as separate paid add-ons.
Coverage limits
Medical treatment expenses and assistance services
€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.
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.
Hospitalisation
€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.
Outpatient treatment
€400,000
Diagnostic, treatment and nursing services provided on an outpatient basis abroad are covered within the shared €400,000 medical limit.
Emergency dental treatment
€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).
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.
Repatriation / 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.
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.
Mountain Rescue Service costs (Slovakia)
€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.
COVID-19 treatment
No limit stated
No specific mention of COVID-19 treatment is made in the reviewed MBK5615 policy documents.
Pre-existing / chronic 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.
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.
Adventure / recreational 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.
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.
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.
Legal assistance and bail
€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.
24/7 assistance line
No limit stated
An Assistance Centre is provided to help arrange treatment, transport and other services, but the reviewed MBK5615 documents do not explicitly state that it operates 24 hours a day, 7 days a week.
Key conditions
Assistance call deadline
Contact the Assistance Centre without delay before seeking treatment (except in genuine emergencies) and follow its instructions; treatment arranged without prior contact may not be reimbursed.
Unauthorized treatment
If the insured ignores or breaches medical or insurer/Assistance Centre recommendations (e.g. discontinuing hospitalisation against advice, travelling despite a doctor's warning), the insurer will not indemnify the resulting costs, or may reduce the benefit if the breach materially contributed to the event.
Purchase while abroad
If consent to the insurance is given while the insured is already abroad, coverage does not start immediately but only 24 hours after that consent.
Chronic conditions
A chronic condition is treated as covered acute illness only if it was stabilised (no worsening, treatment or hospitalisation) in the 12 months before the trip; sudden, unpredictable worsening of a stabilised chronic condition is covered.
Pregnancy
Pregnancy-related complications are covered only up to the completed 30th week; complications after that point, childbirth, voluntary termination and infertility treatment are excluded from medical cover, and pregnancy classified as high-risk before booking also voids trip cancellation/interruption cover.
Pre-existing condition exclusions
Recurrence or continuation of an illness or injury that existed and was diagnosed before departure is excluded, unless it is a chronic condition that was stabilised for the preceding 12 months.
Coverage duration limit
The policy covers only the first 90 calendar days of each individual stay abroad; the number of separate trips per year is not limited.
Documents
Policy specifics
Death from accident and permanent injury consequences
Optional additional insurance for accidental death and permanent consequences from injury
SourceBaggage and documents insurance
Optional coverage for loss, damage or delay of baggage and travel documents
SourceAll benefits included in a single bundled package
The MBK5615 travel insurance bundles medical expenses, liability, baggage, cancellation, accident and legal assistance cover into a single fixed package (OSOBNÉ or RODINNÉ); individual components are not sold or removable as separate paid add-ons.
SourceFamily variant aggregate caps for baggage/flight delay
Under the RODINNÉ variant, the baggage-delay and flight-delay/cancellation benefits (€200 per traveller) are capped at a combined €400 when several insured family members are affected by the same event.
SourceCoverage limited to recreational sports
Medical, accident and liability cover applies only to sports performed recreationally and listed in the policy's Recreational Sports List annex; professional, competitive, or unlisted extreme sports are excluded.
SourceCoverage territory
Insurance applies to events that occurred in any country of the world, except Slovakia, country of permanent residence, country of citizenship, and countries where insured is a public employee
SourceMaximum trip duration
Insurance applies only to the first 90 days of continuous stay abroad per trip
SourceAssistance service arrangement
Insurance is provided through assistance service arrangement (direct payment to providers via Europ Assistance) for medical expenses, not reimbursement to policyholder
Source24-hour delay if agreed while already abroad
If the insured agrees to the policy while already abroad (having crossed the border), the insurance only becomes effective 24 hours after that consent rather than immediately.
Source