KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group
Komunálna poisťovňa
Komunálna poisťovňa is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The 24/7 assistance company (GLOBAL ASSISTANCE SLOVAKIA) arranges admission to medical facilities and, on written request in cases of financial hardship, can secure direct payment of treatment costs; outpatient treatment costs must generally be paid on the spot by the insured and are reimbursed against original documents after returning from the trip.
Geographic scope
Worldwide, except the Slovak Republic
Coverage applies to all countries of the world except the Slovak Republic and, unless otherwise agreed, except a state in which the insured participates in the public health insurance system. If the insured is a foreign citizen legally residing in Slovakia, cover applies to the territory agreed in the policy, excluding their home state or the state where they hold public health insurance.
Unique selling points
- Package-based cover with a selection of the most common risks that protects travelers from the moment they leave their front door.
- Medical expenses are reimbursed even in the event of an epidemic or pandemic, up to 100,000 EUR, unlike many standard policies that exclude this entirely.
- Worldwide territorial validity of the policy, not limited to Europe.
- The policy can be concluded for an indefinite term with a single trip lasting up to 90 days under the top package tier, removing the need to arrange new cover before every trip.
- Extended assistance services include a second medical opinion from a foreign specialist, translated into Slovak at no extra charge.
Coverage limits
Medical expenses
€250,000
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.
Emergency medical treatment
€250,000
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
€250,000
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 treatment
€250,000
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
€400
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.
Medical transport
€250,000
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).
Medical repatriation/evacuation
€250,000
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).
Repatriation of remains
€30,000
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).
Search and rescue costs
€20,000
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).
Epidemic/pandemic (incl. COVID-19) medical costs
€100,000
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).
Pre-existing conditions
Excluded
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).
Winter sports cover
Optional
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).
Adventure/risky sports cover
Optional
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).
Pregnancy complications
€250,000
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).
Personal liability insurance
€50,000 – €100,000
Only in Balík Komplet 45, Balík Komplet 90
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.
Legal assistance
€12,000
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).
24/7 assistance service
Covered
GLOBAL ASSISTANCE SLOVAKIA, s.r.o. provides a 24/7 assistance line (+421 2 68 20 20 60) in Slovak, Czech and English, arranging medical services, repatriation, accommodation, a second medical opinion and legal assistance (Art. 12 VPP CCZ-1).
Key conditions
Assistance call deadline
The insured must without undue delay call the 24/7 assistance service GLOBAL ASSISTANCE SLOVAKIA (+421 2 68 20 20 60) to report the event; written notification to the insurer via the official claim form is additionally required within 30 calendar days — Art. 8(2)(c) counts this from the occurrence of the loss, while Art. 28(2) (medical expenses) counts it from the insured's return from the trip.
Unauthorized treatment
Costs of transport or repatriation arranged without the prior approval of the insurer or assistance company are not covered (Art. 27(1)(f) VPP CCZ-1); if the insured refuses a requested medical examination, no benefit is provided (Art. 28(1)(b)); more generally, deliberate breach of policy duties that materially affected a claim allows the insurer to reduce the benefit proportionally (Art. 8(4)).
Purchase while abroad
On the insurer's request, the insured must prove that at the time the insurance contract was concluded they were located on the territory of the Slovak Republic (Art. 8(1)(e) VPP CCZ-1).
Chronic conditions
Treatment or medication for chronic diseases, and for illnesses known or already being treated before departure abroad, is excluded from cover (Art. 27(1)(d)-(e) VPP CCZ-1).
Pregnancy
Treatment (including delivery) for pregnancy complications arising before the 24th week of pregnancy is covered; complications from a high-risk pregnancy, abortion or normal childbirth outside this exception are excluded (Art. 14(1)(f), Art. 27(2)(c) VPP CCZ-1).
Pre-existing condition exclusions
Costs are excluded where deterioration of health was foreseeable at the time the contract was concluded or at the time of travel, except for necessary emergency treatment to avert an immediate threat to life (Art. 27(1)(b) VPP CCZ-1).
Coverage duration limit
A single continuous stay abroad may last a maximum of 45 calendar days under the Balík Liečebné náklady and Balík Komplet 45 packages, or up to 90 calendar days under Balík Komplet 90 (Art. 5(3) VPP CCZ-1); additionally, a person who reaches age 70 before the policy's inception may only take out this insurance for a term of up to 90 days (IPID).
Policy specifics
Liability insurance
Coverage for liability claims due to damage or injury caused by the insured
SourceRisky sports and manual work coverage
Optional coverage extension for risky sports activities or manual work undertaken abroad
SourceThree policy package tiers
Annual ProTravel offers choice of three different risk package tiers with varying coverage levels
SourceClaims notification requirement
Any insurance claim must be immediately reported by phone to GLOBAL ASSISTANCE SLOVAKIA assistance service, followed by written notification to insurer within 30 days of return to Slovakia
SourceGeographic coverage scope
Coverage applies to all countries worldwide except the Slovak Republic; policy covers medical care in European or worldwide facilities
SourcePremium payment requirement
Insurance premium must be paid in full before commencement of coverage in a single installment
SourcePolicy termination conditions
Policy ceases upon expiration of agreed term, written notice of cancellation, non-payment of premium, or failure to pay within statutory deadline
Source