ČSOB
ČSOB is a travel insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
The assistance service (available 24/7 at +421 2 4445 0050) arranges and pays costs directly to foreign medical facilities where possible; the insurer may also provide a payment guarantee to the treating medical institution; if the insured pays out of pocket, reimbursement is made after return to Slovakia on submission of originals.
Geographic scope
SK
Európa (štáty Európy a Egypt, Izrael, Maroko, Kanárske ostrovy, Turecko a Tunisko), Svet okrem USA a Kanady, alebo Celý svet – podľa dohodnutej územnej platnosti v poistnej zmluve; liečebné náklady platia na území dohodnutom okrem SR
Unique selling points
- 24/7 Slovak- and Czech-language assistance service (+421 2 4445 0050) arranges and pays medical costs directly to foreign hospitals, eliminating the need to pay out of pocket.
- Medical expenses coverage with a sum insured of up to 300,000 EUR available across policy variants – significantly above the statutory Schengen minimum of 30,000 EUR.
- COVID-19 medical expenses covered up to 100,000 EUR in all countries regardless of risk classification, based on a public commitment valid for existing and new clients.
- Coverage can become effective as early as 3 hours after online purchase (immediate effectiveness option), enabling last-minute protection before departure.
- Comprehensive repatriation and accompanying-person coverage included as standard: insurer organises and fully funds medical repatriation, transport of mortal remains, and dispatch of an accompanying person for hospitalised insured under 15 or when medically required.
Coverage limits
Medical expenses abroad
Covered
Core coverage always included in the policy. Covers necessary costs for treatment of acute illness or injury abroad including doctor visits, surgery, hospitalisation, prescribed medicines and diagnostic procedures directly related to the insured event. Limit up to 300,000 EUR depending on the variant selected (e.g. 150,000 EUR in the Standard annual variant). Emergency dental first-aid capped at 200 EUR per event / 400 EUR per policy period. Medical devices up to 350 EUR per item.
Emergency medical treatment
Covered
Included within the medical expenses coverage. Covers doctor visits, specialist consultations, prescribed diagnostics, surgery necessary to prevent risk to life or health, and prescribed medications in connection with an acute illness or injury abroad. Insurer pays directly to medical facility via the assistance service where possible.
Hospitalisation abroad
Covered
Covered within the medical expenses sum insured. Covers the cost of hospital stay for as long as the insured is not fit for transport to Slovakia. Assistance service organises and pays hospitalisation costs directly. Accompanying person travel and accommodation costs covered (up to 90 EUR/person/night) when medically required or when the insured is under 15 years old (up to 2 persons).
Outpatient treatment
Covered
Covered within the medical expenses sum insured. Includes GP and specialist consultations, X-rays and other urgent diagnostics ordered by the treating physician and approved by the assistance service physician, and prescribed laboratory tests in proportion to the illness or injury. The assistance service arranges outpatient appointments and transport where the insured cannot use normal means.
Emergency dental treatment
Covered
Covered under medical expenses only as emergency first aid to relieve sudden acute pain, provided the pain does not result from neglected dental prevention (defined as no dental check-up in the last calendar year) or unfinished dental treatment, or from an injury sustained before the trip started. Limit: 200 EUR per insured event, maximum 400 EUR per policy period.
Medical transport
Covered
Covered within the medical expenses coverage without a separately stated sub-limit. Includes transport to the nearest medical facility (including rescue services such as mountain or water rescue), helicopter transport if medically required, transport between healthcare facilities, and transport from the healthcare facility back to the place of stay abroad if public transport cannot be used. All transport must be pre-approved and organised by the assistance service.
Medical evacuation / repatriation
Covered
Covered within the medical expenses coverage. If the insured cannot use their originally planned means of transport due to medical reasons, the insurer and assistance service arrange and pay for repatriation back to Slovakia or to the nearest hospital in Slovakia. The decision on the method of repatriation is made by the assistance service in consultation with the treating physician. If the insured refuses medically possible repatriation, further treatment costs abroad are not covered.
Repatriation of mortal remains
Covered
Covered within medical expenses. In the event of death abroad, the assistance service organises and pays all costs related to transporting mortal remains or post-cremation remains back to the insured's permanent or temporary place of residence in Slovakia, or cremation and transport of the urn, or burial at the place of death.
Mountain rescue service (HZS SR)
Optional
Available as an optional add-on for short-term policies. Covers costs of Slovak Mountain Rescue Service (HZS) intervention in mountain areas in Slovakia: first aid (excluding statutory health insurance obligations), search and rescue, ground and air transport to the nearest medical facility, and transport of mortal remains from the rescue site. Coverage applies only in mountain areas under HZS jurisdiction in Slovakia.
COVID-19 treatment
Conditional
Based on a public commitment by ČSOB Poisťovňa, medical expenses related to COVID-19 illness are covered up to 100,000 EUR in all countries regardless of their risk classification, for both existing and new clients until 31 December 2024 or until further notice. Costs of accommodation or return travel in case of ordered quarantine are also covered.
Pre-existing conditions
Excluded
Explicitly excluded from medical expenses coverage. The policy does not cover treatment related to any illness or injury that existed at the time of concluding the policy, or which in the 12 months prior to departure required hospitalisation, had a progressive character, or required a change in treatment or medication. Stable chronic conditions that did not require hospitalisation or change in treatment in the preceding 12 months are therefore not automatically excluded.
Winter sports (recreational skiing/snowboarding)
Covered
Recreational skiing and snowboarding on marked runs during operating hours are included in the basic tourist trip purpose at no extra charge. Off-piste skiing and snowboarding (outside marked runs or operating hours) are classified as dangerous sports and are excluded from all coverage.
Adventure/risky sports coverage
Optional
Sports with elevated risk (e.g. bungee jumping, rafting WW1-2, paragliding, rock climbing grade II-V, etc.) are classified as 'risky sports' and are not covered under the standard tourist purpose. Coverage for risky sports and activities can be arranged by selecting the appropriate trip purpose (risky activities or risky sports) at an additional premium. Dangerous sports (e.g. off-piste skiing, base jumping, diving below 10m without instructor, professional competitions) are entirely uninsurable and cannot be added.
Pregnancy complications
Conditional
Medical expenses coverage applies to pregnancy complications only up to the end of the 26th week of pregnancy. Complications after the 26th week of pregnancy, childbirth, investigations to determine pregnancy, abortion (except medically indicated), infertility treatment, and artificial insemination are all explicitly excluded.
Personal liability (civil liability for damages)
Optional
Available as an optional add-on for short-term policies. Covers the insured's liability under civil law for damages caused to third parties' health (including death) or property. The insurer settles the claim directly to the injured party up to the agreed sum insured. Numerous exclusions apply including liability arising from vehicle operation, professional activities, property ownership, animals kept for business purposes, and intentional acts.
Legal assistance abroad
Optional
Available as an optional add-on for short-term policies (Part IX VPP-CP). Covers legal representation, court fees, interpretation, accommodation and transport costs when the insured faces or is threatened with criminal, civil or administrative proceedings abroad. The assistance service selects and arranges the lawyer. Excludes cases related to vehicle operation, professional activities, intentional crimes, terrorism, war, or influence of alcohol/drugs.
24/7 Assistance services
Covered
Automatically included as part of all short-term travel insurance policies. The assistance service is available 24 hours a day, 365 days a year at +421 2 4445 0050, in Slovak and Czech. Services include: outpatient assistance (arranging and paying doctor appointments), hospitalisation assistance (arranging and paying hospital stay), medical transport, repatriation, dispatch of accompanying person, arranging medicines and medical devices. Failure to contact assistance before obtaining treatment may result in reduced or denied claims.
Key conditions
Assistance call deadline
The insured must contact the assistance service (+421 2 4445 0050) immediately upon the occurrence of any insured event (illness, injury, or loss) requiring medical care abroad, or as soon as circumstances permit. If objective conditions do not allow contact before receiving treatment, the insured must contact the assistance service as soon as conditions allow. Failure to contact the assistance service may result in a reduced or fully denied claim.
Unauthorized treatment
If the insured obtains medical treatment without prior authorisation from the assistance service when such authorisation was possible, or if the insured refuses medically possible repatriation, the insurer is entitled to reduce or deny the claim. Treatment costs incurred abroad after the insurer approves continued treatment in lieu of repatriation are capped at the estimated repatriation cost.
Purchase while abroad
Short-term travel insurance can only be concluded while the insured is in Slovakia. Purchase from abroad is permitted only if the new policy directly and continuously follows a prior travel insurance policy with the same insurer, i.e. to extend existing coverage without a gap.
Chronic conditions
Chronic disease is defined as a condition that existed before departure and which, during the preceding 12 months, required hospitalisation, worsened, or caused a material change in medication. Treatment of chronic diseases meeting this definition is excluded from medical expenses coverage. Acute exacerbation of a stable chronic condition may be covered if the condition was stable and did not meet the exclusion criteria.
Pregnancy
Medical expenses coverage applies to pregnancy complications only up to the end of the 26th week of pregnancy. After the 26th week, all pregnancy-related costs including childbirth, complications, and emergency delivery are excluded. Pregnancy complications up to the 26th week may also be covered under trip cancellation add-on insurance (storno poplatkov) if hospitalisation is required.
pre_existing_conditions
Treatment of any illness or injury that existed at the time the policy was concluded is excluded. Additionally, treatment of chronic or other conditions that, in the 12 months before departure, required hospitalisation, had a progressive character, or required changes in treatment or medication is excluded. Conditions that were stable and did not require any of the above in the past 12 months may be covered if an acute event arises during the trip.
coverage_duration_limit
Short-term travel insurance is concluded for a specific number of days, up to a maximum of one year (365 or 366 days). If the insured is hospitalised due to an insured event and cannot return to Slovakia by the end of the policy period, the insurer automatically extends the coverage by up to 3 calendar days immediately following the day the insured is discharged from hospital.
Where to buy
Policy specifics
Baggage and personal belongings
Coverage for damage, loss, or theft of baggage and personal items during travel (up to 1,500 EUR per person)
Liability for damages to third parties
Coverage for unintentional damages caused to third parties' health or property while traveling
Accident and injury coverage
Coverage for permanent consequences of accidents (up to 20,000 EUR) and death from accident (10,000 EUR)
Mountain rescue service coverage
Coverage for mountain rescue operations in Slovakia (first aid, search and rescue, transportation to medical facility)
Trip cancellation/storno coverage
Optional coverage for cancellation fees if travel must be cancelled due to serious illness or injury
Non-operational vehicle coverage
Coverage for costs related to vehicle breakdown or accident abroad (repair, towing, transport, accommodation)
Insurance effectiveness timing
Short-term travel insurance can become effective as early as 3 hours after purchase if immediate coverage is selected
Pre-departure purchase requirement
Short-term travel insurance must be purchased while the insured is in Slovakia; purchases from abroad are only allowed if renewing existing coverage
Alcohol-related exclusion
Claims related to influence of alcohol, drugs, or controlled substances are excluded from coverage for short-term insurance
Country travel restrictions
Insurance does not apply to countries where Slovakia's Ministry of Foreign Affairs advises against travel due to heightened danger
Mandatory assistance service contact
In case of illness, injury or loss requiring medical care abroad, insured must contact assistance service immediately at +421 2 4445 0050
Recreational sports inclusion
Basic travel insurance includes common recreational sports (skiing, snowboarding, swimming, hiking, etc.) at no extra charge