KOOPERATIVA poisťovňa, a.s. Vienna Insurance Group

Assistance call deadline

The insured must contact the 24/7 assistance service (GLOBAL ASSISTANCE) in advance before seeking medical treatment abroad and follow its instructions; for transport disruptions, contact Click2Claim without delay.

Unauthorized treatment

If medical treatment was not approved in advance by the assistance service, the insurer covers costs only up to 150 EUR.

Purchase while abroad

If the insured person was not in Slovakia at the time of concluding a new policy (or cannot prove this), a 5-day waiting period applies before cover starts, unless the new policy directly continues an existing Kooperativa travel policy.

Chronic conditions

Chronic, pre-existing or recurring illnesses and mental disorders are excluded from medical expenses coverage.

Pregnancy

Pregnancy complications are covered only up to the 24th week of pregnancy; complications after the 24th week, and complications from high-risk pregnancy, elective abortion or childbirth (except life-threatening cases) are excluded.

Pre-existing condition exclusions

Treatment related to a health condition that existed or was foreseeable at the time the policy was concluded is excluded, except for emergency, life-saving stabilization treatment.

Coverage duration limit

Short-term policies run for a maximum of 365/366 days (extendable once by up to 30 days); under annual policies, each individual trip is limited to 45 days (Prima), 60 days (Optimum) or 90 days (Excelent); insured persons over 70 years old are limited to a maximum of 30 days per trip.

Flight cancellation and travel disruption

Optional coverage for cancellation of travel arrangements, flight tickets, travel tickets and travel services (extended from basic package); automatically bundled with trip cancellation insurance

24/7 Assistance Services

Comprehensive assistance service available round-the-clock, providing healthcare coordination, medical facility referral, foreign language support, and payment guarantees at healthcare facilities abroad

Transport and travel disruption assistance

Free assistance service for transport-related issues including flight delays, cancellations, or disruptions; assists with alternative connections and refund coordination

COVID-19 treatment coverage

Coverage for medical expenses resulting from COVID-19 illness contracted abroad, available under public commitment (Verejný prísľub) with specific effective dates

Risk sports and dangerous activities coverage

Optional add-on coverage for injuries sustained during high-risk sports or manual work abroad; requires separate premium payment

Geographic coverage territory

Coverage applies globally except Slovakia; for single trips customer can choose either Europe (including Azores, Balearics, Cyprus, Canaries, etc.) or worldwide; annual policies cover worldwide excluding Slovakia

Direct payment by assistance service vs. reimbursement

Healthcare expenses are paid directly by the assistance service to healthcare providers abroad (not reimbursement model); insured person is not responsible for upfront payment when using network facilities

Prior contact with assistance mandatory

Policyholder must contact assistance line before using healthcare services abroad; failure to notify may result in reduced or denied benefits

Maximum trip duration by package tier

Single-trip coverage duration varies by tier: Prima up to 45 days, Optimum up to 60 days, Excelent up to 90 days; annual policies permit unlimited trips within annual coverage period

Exclusion for intentional and gross negligence acts

Claims resulting from deliberate actions or gross negligence are excluded from coverage; insurance covers only accidents and unforeseen medical needs

Scope of covered medical treatment abroad

Covered expenses include: outpatient treatment, hospitalization, necessary medical examinations, medications, transport to healthcare facility, and in some cases repatriation back to Slovakia