Komunálna poisťovňa Travel insurance (Protravel Celorocne)

General limit of indemnity for medical expenses incurred due to sudden illness or accident abroad (Art. 14 VPP CCZ-1), covering ambulatory treatment, medication, hospitalization, surgery, transport and repatriation; a separate 50,000 EUR limit applies for terrorist attacks and 100,000 EUR for epidemic/pandemic events.

Ambulatory emergency treatment necessary to stabilize the insured's condition is covered within the overall 250,000 EUR medical expenses limit (Art. 14(1)(a) VPP CCZ-1).

Hospitalization costs, including medical procedures and medically justified ancillary costs, are covered within the overall 250,000 EUR medical expenses limit until the insured is fit to be transported home (Art. 14(1)(c) VPP CCZ-1).

Outpatient medical treatment and prescribed medication are covered within the overall 250,000 EUR medical expenses limit (Art. 14(1)(a)-(b) VPP CCZ-1).

Emergency dental treatment to relieve acute pain is covered up to a sublimit of 200 EUR per tooth and 400 EUR in total (Art. 14(1)(h) VPP CCZ-1), provided the need is not due to neglected dental prevention or unfinished treatment.

Transport of the insured for urgent examination or treatment to the nearest suitable medical facility, including the return journey, is covered within the overall 250,000 EUR medical expenses limit (Art. 14(1)(e) VPP CCZ-1).

Repatriation of the insured to Slovakia (or their home country) as soon as their health condition permits, including transport of one accompanying person if medically necessary, is covered within the overall 250,000 EUR limit; if repatriation is to a country other than Slovakia, indemnity is capped at the cost equivalent to transport to Slovakia (Art. 14(1)(g) VPP CCZ-1).

In the event of the insured's death, the insurer covers necessary costs for repatriation of the remains, or cremation and transport of the remains, up to a sublimit of 30,000 EUR (Art. 24 VPP CCZ-1).

Costs of search, rescue and transport by a rescue service in direct connection with a threat to the insured's life or health (mountains, sea, vehicle accident, building collapse) are covered up to a sublimit of 20,000 EUR (Art. 17 VPP CCZ-1).

By way of exception to the general epidemic/pandemic exclusion, the insurer covers medical expenses caused by an epidemic or pandemic up to a limit of 100,000 EUR, unless the insured travelled to a state/area officially advised against travel to before departure (Art. 16 VPP CCZ-1).

Treatment of conditions where the deterioration was foreseeable at policy inception or at the time of travel, treatment of chronic diseases, and medication for illnesses known or already being treated before departure are excluded (Art. 27(1)(b),(d),(e) VPP CCZ-1).

Alpine skiing, off-piste skiing/snowboarding, ice hockey and similar winter activities fall under the definition of 'risky sports' and are excluded unless separately agreed in the policy (Art. 9(3)(b), Art. 52(50)(c) VPP CCZ-1).

Losses arising during risky sports (as extensively listed in Art. 52(50), e.g. diving, climbing, paragliding, motorsports) are excluded unless separately agreed as an extension to the policy (Art. 9(3)(b) VPP CCZ-1).

Treatment, including delivery, for complications of pregnancy that arose before the start of the 24th week of pregnancy is covered within the general 250,000 EUR medical expenses limit; complications resulting from a high-risk pregnancy, abortion or childbirth outside this exception are excluded (Art. 14(1)(f), Art. 27(2)(c) VPP CCZ-1).

Optional component covering liability for damage caused to third parties abroad: 100,000 EUR limit for personal injury and 50,000 EUR for property/other financial damage (Table 1, Art. 29-32 VPP CCZ-1). Bundled into the Komplet 45 and Komplet 90 packages.

Optional component (can be added to the medical expenses cover independently of the three package tiers) covering legal representation costs abroad up to 12,000 EUR, plus a bail-related loan sublimit of 5,000 EUR, applicable in road-accident related misdemeanor/criminal proceedings against the insured (Art. 34 VPP CCZ-1).