UNIQA Travel insurance (Rocne Cestovne Poistenie)

Maximum benefit for necessary medical treatment abroad due to acute illness or injury is €250,000 per insured person per policy period, identical in all four packages (Basic, Plus, Komfort, Extra); this sum insured is shared across all items 14-27 of the benefits table (treatment, hospitalization, transport, dental, repatriation, etc.).

Covers necessary medical examination, treatment and prescribed medication following an acute illness or accident abroad, within the same shared €250,000 medical expenses sum insured, in all four packages.

Hospitalization in a standard ward of a public hospital is covered up to €250,000 (shared cap), plus a daily cash benefit of €18/day (Basic, Plus, Komfort) or €20/day (Extra) for up to 14 days of hospitalization.

Outpatient (ambulatory) medical treatment abroad is covered up to €250,000, within the shared medical expenses sum insured, in all four packages.

Covers only acute first-aid dental treatment (tooth extraction, temporary filling) up to €400 (Basic), €450 (Plus), €500 (Komfort) or €650 (Extra) per event, conditional on the insured having had a preventive dental check-up in the current or previous calendar year; full dental treatment, crowns, bridges and periodontal care are excluded.

Covers transport to the nearest suitable healthcare facility and necessary medicine transport, up to €250,000, within the shared medical expenses cap.

Covers doctor-ordered transport back to Slovakia (including air ambulance where necessary), up to €250,000, within the shared medical expenses cap, in all four packages.

Covers transport of the insured's remains to the place of burial in Slovakia, up to €250,000 (coffin fees excluded, except a transport coffin), within the shared medical expenses cap.

Search and rescue costs in the mountains or on/in water abroad are covered up to €250,000, within the shared medical expenses cap. Separately, Mountain Rescue Service (HZS) intervention costs within Slovak territory are covered under a dedicated benefit up to €16,600 per policy period, in all four packages.

Od 17.8.2021 UNIQA kryje liečebné náklady spojené s ochorením COVID-19 (ambulantné ošetrenie, lieky, hospitalizácia, repatriácia) v rámci štandardného poistenia liečebných nákladov pre všetky krajiny bez ohľadu na typ zmluvy (krátkodobé aj ročné). Krytie sa riadi všeobecným limitom poistenia liečebných nákladov, ktorý je vo všetkých balíkoch (Basic, Plus, Komfort, Extra) do výšky 250 000 EUR. Samostatný osobitný sublimit pre COVID-19 nie je v aktuálnych podmienkach stanovený - ochorenie sa posudzuje ako bežné akútne ochorenie. Súčasťou rozšírenia je aj krytie nákladov na karanténne ubytovanie v zahraničí do limitu 1500 EUR pri potvrdenom pozitívnom teste.

Acute, unforeseeable deterioration of a chronic or pre-existing condition (including consequences of an earlier injury) is covered up to €20,000 for items 14-24 of the benefits table, in all four packages, but only if the condition did not require hospitalization in the 9 months before the policy started; heart disease, cancer, stroke, type I diabetes, epilepsy and multiple sclerosis requiring hospitalization in that period are excluded entirely.

Recreational winter sports (skiing, snowboarding) on marked ski slopes and trails are covered within the general €250,000 medical expenses cap at no extra charge; off-piste skiing, ski touring above 5,000 m, and skiing without a mountain guide are excluded unless otherwise agreed.

A long list of extreme and high-risk activities (e.g. mountaineering/ski touring above 5,000 m, bungee jumping, paragliding, off-piste skiing, whitewater rafting/kayaking above WW3, motorsports) is explicitly excluded from all coverage sections unless otherwise agreed in the policy.

Complications of pregnancy are covered as an acute illness (within the general medical expenses cap) only until the completion of the 26th week of pregnancy; costs related to childbirth and its complications after that point, as well as routine pregnancy diagnosis, check-ups and voluntary termination, are always excluded.

Covers unintentional damage to health and property caused by the insured, up to €200,000 for each type of damage, but only in the Plus, Komfort and Extra packages; it is not included in Basic.

Provides assistance with police detention and securing a lawyer/interpreter up to €2,000 (Basic, Plus, Komfort) or €6,000 (Extra), plus a refundable lawyer's deposit/bail up to €1,800 (Basic, Plus, Komfort) or €5,000 (Extra). Included in all four packages, but does not apply in Slovakia or the insured's country of permanent residence.