BNP Paribas Cardif Travel insurance (Dlhodobe Cestovne Poistenie)

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

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.

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

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).

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

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.

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.

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.

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

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.

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.

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 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.

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.

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.