Wüstenrot poisťovňa, a.s.
Wüstenrot
Wüstenrot is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The assistance company arranges and, where agreed, directly settles costs with foreign healthcare providers up to the limit of indemnity (payment guarantee); costs paid by the insured out of pocket abroad are reimbursed in EUR after return based on submitted original receipts, converted at the National Bank of Slovakia exchange rate on the date of the insured event.
Geographic scope
Insured may choose either the 'Europe' zone or the 'World' zone at conclusion of the policy
Zone 'Europe' covers geographic Europe plus Turkey, Israel, Tunisia, the Canary Islands, Morocco, all of Cyprus and Egypt (excluding Slovakia and sanctioned countries); zone 'World' covers all countries and territories worldwide except Slovakia and sanctioned countries. Medical expenses cover does not apply in Slovakia, in the insured's country of permanent/temporary residence, or in a country where the insured is a public health insurance participant.
Unique selling points
- The 'Rodina' option lets up to 2 unrelated adults and 2 children travel and be insured together under a single policy at a preferential family rate.
- 24/7 assistance is available directly in Slovak or Czech, avoiding language barriers in emergencies abroad.
- The top Balík L tier provides a medical-expenses sum insured of up to 350,000 EUR, well above many entry-level travel policies.
- The product is explicitly marketed as available to chronically ill, stabilized clients rather than automatically excluding them.
- The policy can be configured and purchased entirely online, tailored to the traveler's chosen package and territorial scope.
Coverage limits
Outpatient/ambulatory treatment
€100,000 – €350,000
Only in Balík S, Balík M, Balík L
Real costs of outpatient medical treatment abroad up to the unexhausted sum insured of the chosen package (S/M/L).
Hospitalization abroad
€100,000 – €350,000
Only in Balík S, Balík M, Balík L
Real hospitalization costs in a standard ward, including diagnostics, therapy, surgery, anaesthesia, medication and board, up to the unexhausted sum insured.
Outpatient treatment
€100,000 – €350,000
Only in Balík S, Balík M, Balík L
Ambulatory healthcare including materials and diagnostics is covered up to the unexhausted sum insured for the chosen package.
Emergency dental treatment
€400
Only in Balík S, Balík M, Balík L
Emergency dental treatment for injury or acute painful dental condition (pain relief, simple filling incl. X-ray, or extraction) is covered up to 400 EUR for a maximum of one claim; excludes definitive dental restoration and is excluded if the mandatory annual preventive check-up was neglected.
Transport to a healthcare facility
€100,000 – €350,000
Only in Balík S, Balík M, Balík L
Medically necessary transport of the insured to the nearest healthcare facility, or between facilities, up to the unexhausted sum insured, subject to prior approval by the assistance company.
Medically recommended transfer back to Slovakia
€100,000 – €350,000
Only in Balík S, Balík M, Balík L
If the insured is unable to return by the originally planned means of transport for health reasons, a doctor-recommended transfer to the place of residence or a hospital in Slovakia is covered up to the unexhausted sum insured, subject to prior assistance-company approval.
Repatriation of remains / cremation abroad
€7,000 – €30,000
Only in Individual, Rodina
In case of death abroad, transport of the remains (incl. coffin/urn) to Slovakia is covered up to the unexhausted medical sum; cremation abroad is capped at 7,000 EUR, or 30,000 EUR if the 'Rodina' (family) extension was agreed.
Mountain Rescue Service costs in Slovakia
€17,000
Optional cover (can be added even without any of the S/M/L packages) for costs of Mountain Rescue Service interventions (search, rescue, transport) in designated mountain areas of Slovakia, up to a flat sum insured of 17,000 EUR.
COVID-19 rider
Optional
Only in Balík S, Balík M, Balík L
An optional COVID-19 rider can be added to any package; its specific sums/limits are set out in a separate 'Zmluvné dojednania pre poistenie COVID' document not included among the reviewed sources.
Chronic / pre-existing conditions
€100,000 – €350,000
Only in Balík S, Balík M, Balík L
An unforeseeable acute worsening of a chronic condition that immediately endangers health or life during the trip is covered up to the package's medical sum, but only if the chronic condition was stabilized for the 12 months preceding the start of insurance; conditions diagnosed/treated before inception, or unstabilized chronic diseases, are otherwise excluded.
Risk sports extension (incl. some winter sports)
Optional
Only in Balík S, Balík M, Balík L
Risk sports such as skiing/sledding on marked runs or ice skating are covered only if the 'rozšírené poistné krytie – rizikový šport' extension is expressly agreed; off-piste skiing, ski-touring, freeride, alpine mountaineering above 3,500 m and similar activities are classified as 'nebezpečné športy' and cannot be insured at all under this product.
Dangerous / adventure sports
Excluded
The policy cannot be concluded at all for insured persons practicing 'nebezpečné športy' (a long enumerated list incl. base jumping, bungee jumping, paragliding, skydiving, via ferrata, extreme mountaineering, etc.), and such events are excluded from indemnity in any case.
Pregnancy complications
Excluded
Pregnancy after the 26th week (incl. birth, complications and postnatal newborn care), risk pregnancy, and elective termination of pregnancy and their consequences are excluded; pregnancy tests are also not reimbursed.
Personal (non-business) liability abroad
€50,000 – €250,000
Only in Balík M, Balík L
Available only in Balík M or L (not in Balík S): Balík M covers bodily-injury liability up to 100,000 EUR and property-damage liability up to 50,000 EUR; Balík L covers 250,000 EUR / 100,000 EUR respectively; each claim carries a 150 EUR deductible.
Legal assistance and bail
€15,000
Only in Balík L
Available only within Balík L: sum insured of 15,000 EUR, split into a 10,000 EUR sub-limit for legal assistance costs and a 5,000 EUR sub-limit for bail; excludes matters connected with the insured's occupation, drug/weapon offences, political/religious activity, or events in Slovakia.
24/7 multilingual assistance service
Covered
The insurer's contracted assistance company provides round-the-clock support (info before travel, treatment/hospitalization monitoring, locating providers, payment guarantees) in Slovak or Czech.
Key conditions
Assistance call deadline
In the event of a claim, the insured must contact the assistance company for instructions before receiving services; if objective circumstances prevent this, they must do so as soon as the circumstances allow.
Unauthorized treatment
Prior consent of the assistance company is required before undergoing costly diagnostic/treatment procedures abroad (from 100 EUR per procedure) paid out of pocket; the insurer may reduce or refuse indemnity if obligations under the contract/T&Cs were knowingly breached.
Purchase while abroad
The policy can be concluded remotely from abroad; cover then starts, at the earliest, from midnight CET of the day after the proposal is submitted, but the 90-day maximum trip length includes any days already spent abroad before the policy started. Trip-cancellation cover cannot be added once the insured is already abroad.
Chronic conditions
Chronic diseases are covered only if stabilized for the 12 months preceding the start of insurance; if unstabilized, requiring a change of treatment, progression, or hospitalization during that period, related events are excluded.
Pregnancy
Pregnancy after the 26th week, including birth, complications and postnatal newborn care, as well as risk pregnancy and elective termination, are excluded from cover; pregnancy testing costs are not reimbursed.
Pre-existing condition exclusions
Illnesses or injuries diagnosed or already showing symptoms before the start of insurance, or within the 12 months before the claim, are excluded from medical expenses cover.
Coverage duration limit
Cover applies to a single trip abroad of at most 90 days without interruption by return to Slovakia; the insured may not be older than 75 at the start of the insurance period, and cover automatically ends 45 days after the trip's start if the insured turns 75 during the trip.
Policy specifics
Mountain rescue service coverage
Coverage for mountain rescue service costs in Slovakia with limits of 15,000 EUR (Basic/Intermediate/Prestige) to 20,000 EUR (Ultimate)
SourceBaggage and travel documents coverage
Coverage for loss, theft, or damage to baggage and travel documents, with varying limits by package tier
SourceAccident death benefit
Coverage for death resulting from accident, with benefits from 5,000 EUR to higher amounts depending on package
SourcePermanent disability benefit
Coverage for permanent disabilities resulting from accidental injury, with benefits varying by package tier
SourceTrip duration limit
Short-term travel insurance valid for trips of 1 to 90 days with a specific start and end date
SourceFamily coverage option
Coverage available for families or groups: maximum 2 adults (up to age 75) and maximum 2 children (up to age 18), not necessarily related
Source24/7 assistance services
Round-the-clock multilingual assistance available in Slovak and Czech languages for emergency support during travel
SourcePackage tier system
Coverage available in four tiers: Basic, Intermediate, Prestige, and Ultimate, with increasing coverage limits
SourceCoverage for chronic conditions
Policy explicitly mentions coverage available for chronically ill customers with stabilized, treated medical conditions
Source