ČSOB Poisťovňa, a.s.
ČSOB
ČSOB is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The insurer's assistance service can arrange direct settlement with the foreign medical facility by sending a payment guarantee, so the insured does not always have to pay out of pocket for ambulatory treatment.
Geographic scope
Europe, worldwide, or worldwide excluding USA and Canada (selectable at conclusion)
Medical expenses cover applies to events occurring in the territory agreed in the policy, excluding Slovakia; riders such as accident, liability, baggage, flight/luggage delay, vehicle breakdown and legal assistance also cover events in Slovakia after the trip has started, but not before the start of coverage.
Unique selling points
- Coverage can start just 3 hours after concluding the contract, faster than the next-day start typical for annual travel policies.
- Medical expenses abroad can be insured up to 300,000 EUR in the Optimal and Exclusive packages.
- A NONSTOP assistance line is available 24 hours a day, 365 days a year, with support in Slovak and Czech.
- An online calculator lets customers build their own combination of add-on covers (accident, baggage, cancellation, vehicle breakdown, legal aid) for a single trip.
- The single-trip legal assistance rider offers a 5,000 EUR sum insured, higher than the 1,500 EUR limit on the annual Exclusive package.
Coverage limits
Medical treatment expenses abroad
€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.
Outpatient/ambulatory 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.
Hospitalization abroad
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.
Outpatient care / ambulatory assistance
Covered
Includes organizing and paying for specialized/laboratory examinations and providing a contract doctor's contact details, within the overall medical expenses sum insured.
Emergency dental treatment
€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.
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.
Medical evacuation / repatriation
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.
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.
Search and 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).
COVID-19 treatment
No limit stated
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.
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.
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.
Adventure / risky 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.
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.
Personal liability
€70,000
Only in Optimal, Exclusive
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.
Legal assistance abroad
€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.
24/7 assistance service
Covered
A NONSTOP assistance line is automatically included and available 24 hours a day, 365 days a year, with communication available in Slovak or Czech, reachable at +421 2 4445 0050.
Key conditions
Assistance call deadline
In case of an accident or acute illness requiring treatment or hospitalization abroad, the insured must contact the assistance service by phone immediately after the event or as soon as possible thereafter.
Unauthorized treatment
Failure to notify or cooperate with the assistance service/insurer, or to follow their instructions, can result in a reduced or denied claim.
Purchase while abroad
If the insured person is not in Slovakia at the time of conclusion, a new policy can only be taken out if it seamlessly continues an existing ČSOB travel policy; for policies of up to 4 months, the policyholder must generally be in Slovakia when concluding the contract.
Chronic conditions
A chronic or pre-existing illness is excluded if, in the 12 months before departure, it required hospitalization, had a progressive character, or required a change in treatment or medication.
Pregnancy
Complications occurring after the 26th week of pregnancy, including childbirth, are excluded from medical expenses cover.
Pre-existing condition exclusions
Illnesses or injuries that already existed at the time the insurance contract was concluded are excluded from medical expenses cover.
Coverage duration limit
Short-term travel insurance is agreed for a set number of days, up to a maximum of one year (365, or 366 in a leap year).
Policy specifics
Flight cancellation coverage
Coverage for cancellation of purchased travel services (accommodation, flights, etc.) up to specified limits
SourceAccident coverage with permanent consequences
Coverage for permanent consequences of accidents with percentage-based payout according to injury severity table
SourceBaggage damage, loss, or theft coverage
Coverage for damage, loss, or theft of baggage, up to €1,500 per insured person
SourceImmediate coverage activation
Short-term insurance can begin coverage 3 hours after contract conclusion if premium is paid same day
SourceAlcohol-related exclusion
Short-term and long-term travel insurance does not cover damages related to alcohol consumption, intoxicating, toxic, psychotropic substances
SourceTravel advisory country restriction
Travel insurance does not apply to countries or areas to which the Slovak Ministry of Foreign Affairs recommends not travelling or recommends leaving, nor to areas with heightened risk (internal conflicts, war)
SourceLiability coverage requirement (e.g., skiing in Italy)
Liability coverage for damage to others' property or health is mandatory part of all long-term, card-linked, and higher short-term packages per Italian ski regulations
SourceSingle premium payment requirement
Short-term travel insurance requires full premium payment upfront before coverage begins (or by end of same day for immediate activation option)
SourceMandatory assistance service contact requirement
In case of accident or acute illness requiring medical treatment or hospitalization abroad, policyholder must contact ČSOB assistance service by phone immediately after incident or as soon as possible
Source