Union Travel insurance (Unitravel Celorocne Cestovne Poistenie)

Covers outpatient treatment, hospitalisation, prescribed medicines/materials and transport to/from a medical facility and back home. Sum insured is 250,000 € for packages Štandard, Komfort and Študent; for package Premium it is paid up to the actual costs incurred (uncapped).

Emergency ambulatory treatment is part of the overall medical-expenses sum: 250,000 € for Štandard/Komfort/Študent, and up to actual incurred costs for Premium; there is no separate sub-limit.

Hospitalisation in a standard room and medical care during hospitalisation, including prescribed medicines/materials, is included within the same overall medical-expenses sum (250,000 € for Štandard/Komfort/Študent; uncapped/actual costs for Premium).

Ambulatory treatment including prescribed medicines and medical devices/materials for fixation or walking support is included within the overall medical-expenses sum (250,000 € for Štandard/Komfort/Študent; actual costs for Premium).

Necessary/urgent dental treatment to remove pain, up to 100 € per event, max. 300 € for all events during the insurance period.

Transport of the insured to the nearest medical facility and back to the accommodation, where medically necessary, is included within the overall medical-expenses sum.

Transport of the insured back to their home country when the originally planned means of transport cannot be used for health reasons, included within the overall medical-expenses sum.

In the event of the insured's death, transport of the remains to the place of burial in the home country is covered up to 10,000 €.

Covers search/rescue, extrication and transport costs (incl. Mountain Rescue Service call-outs in Slovakia). Sum insured is 20,000 € for packages Štandard, Komfort, Študent, Hory and Doma, and 50,000 € for packages Premium and Komplet.

Medical expenses arising from an epidemic or pandemic illness (incl. transport of remains up to 10,000 €) are covered up to 100,000 €. This cover is included as standard in packages Premium and Študent, and can be purchased as an optional add-on for packages Štandard and Komfort. Not available for Slovakia-only packages (Hory/Doma/Komplet).

Diseases and injuries existing at the time the insurance contract is concluded are explicitly excluded from cover according to the IPID's list of exclusions.

Recreational skiing, snowboarding, cross-country skiing and skibob on marked trails, plus recreational ice-skating and sledging, are not classified as 'risky sports' and are therefore covered under the base TURISTA risk group. Off-piste or other risky winter disciplines require the ŠPORT risk group to be selected in the contract.

'Risky sports' (e.g. martial/combat sports, hunting, diving, cycling sports, motor sports, mountaineering equipment use, etc.) are covered only if the ŠPORT (or higher) risk group is selected in the contract. 'Extreme sports' (air sports, parachuting, high-altitude/polar expeditions, extreme adrenaline disciplines) are never covered, under any risk group.

The reviewed policy documents do not describe a distinct pregnancy-complications benefit or limit.

Covers bodily-injury claims up to 100,000 € (Komfort/Študent/Doma) or 150,000 € (Premium/Komplet); property/animal damage up to 35,000 €/75,000 €; healthcare costs up to 35,000 €/75,000 €; rescue costs 5,000 € and cost-assessment costs 5,000 €. Not included in packages Štandard or Hory.

Legal representation costs connected with a liability claim are covered up to 25,000 € for events abroad and up to 5,000 € for events within Slovakia. Available only in the same packages that include general liability cover (Komfort, Premium, Študent, Doma, Komplet).