Union poisťovňa, a. s.

Assistance call deadline

No fixed number-of-hours deadline is stated, but the insured must notify the insurer or its assistance partner without undue delay after an event occurs; for hospitalisation, repatriation, evacuation or other serious medical events, direct contact with Eurocross Assistance Czech Republic (available 24/7) is mandatory.

Unauthorized treatment

If the insured breaches obligations set out in the terms (e.g. failing to follow the insurer's or assistance partner's instructions) and this materially affected the occurrence of the event or the amount of the claim, the insurer may proportionately reduce the indemnity.

Purchase while abroad

The insurance is designed to be concluded before departure; cover does not apply to events that could already have been foreseen, expected or known at the time the contract was concluded or at the time of departure abroad, which in practice excludes buying cover for a trip already under way or for an already-occurred illness/incident.

Chronic conditions

Diseases and injuries that already existed at the time the insurance contract was concluded are excluded from cover, per the IPID's list of exclusions; the reviewed documents do not describe a separate chronic-illness questionnaire procedure.

Pregnancy

The reviewed policy documents (IPID, VPPUCCP/2307 and its annex) do not specify a distinct pregnancy-complications benefit or exclusion; general exclusions for pre-existing/foreseeable conditions at the time of conclusion would apply.

Pre-existing condition exclusions

Diseases and injuries existing at the time the insurance contract is concluded are explicitly excluded from cover according to the IPID's 'what is not insured' section.

Coverage duration limit

The policy is annual and covers an unlimited number of trips, but each single trip is capped at a maximum continuous duration agreed in the contract; travel within Slovakia is capped at 30 days per trip, while the insurer's marketing materials advertise continuous stays of up to 180 days for other territorial options. If the insured cannot return home on time due to accident, sudden illness, carrier strike/insolvency, terrorism or a natural disaster, cover is automatically extended, ending at the latest 5 days after the originally agreed end date or maximum trip length.

Medical expenses abroad

Coverage for medical treatment costs incurred abroad, including emergency medical care, hospitalization, and prescribed medicines

Assistance services

24/7 assistance services provided by Eurocross Assistance Czech Republic for medical emergencies, coordination of healthcare, and emergency transport during travel

Territorial validity options

Insurance can be customized for specific territorial coverage: Slovakia only, Czech Republic, Europe, or worldwide

Optional coverage modules

Customizable add-on coverages including: accident insurance, baggage protection, general liability, cancellation (regular and extra), trip shortening, travel delay, pet coverage, technical assistance for vehicles, and emergency situation protection (pandemics/epidemics)

Maximum continuous stay period

Policy provides unlimited number of trips per year with continuous stay periods ranging from 30 to 180 days per trip depending on territorial coverage selection

Sports activity restrictions

Policy covers selected recreational sports and work-related activities; risky sports require separate documentation or may be excluded

Claim notification requirement

Insured must report insurance event immediately to the insurer or assistance partner; failure to provide timely notice may affect claim settlement

Assistance coordination obligation

For any medical emergency, hospitalization, or evacuation, direct coordination with Eurocross Assistance Czech Republic is required; failure to do so may result in claim denial or reduction

Repatriation cost ceiling

If patient transport or physical remains repatriation is necessary, insurance company will pay costs up to maximum of €20,000