Travel insurance

The travel insurance protects you against scores of unpleasant situations that may happen to you when travelling. The insurance comprises several parts that may be freely combined. The basic element is the medical expenses insurance to which you can choose various types of additional insurance:

• additional accident insurance,
• additional damage liability insurance,
• additional luggage insurance,
• additional tour cancellation insurance

The insurance may be arranged for one trip – short-terms trips, such as holidays or long-term trips lasting up to one year (e.g. this is suitable for stays abroad for the purpose of business or studies).

The subject of this insurance is reimbursement of the cost of the necessary hospital treatment due to an illness or accident. The medical expenses insurance will also cover the cost of drugs, transportation to a hospital or transport of the sick person back to the Czech Republic up to the insurance indemnity limits:
 

Summary of overall insurance indemnity limits to the medical expenses insurance

The limit is set according to the destination and selected limit class.

Limit class	Zone E (Europe)	Zone S (World)
A	CZK 3,000,000	CZK 3,000,000
B	CZK 5,000,000	CZK 5,000,000

Zone E all European countries, including the Mediterranean islands, Canary Islands, Israel, Cyprus, Morocco, Tunisia, Turkey.

Zone S all coutries worldwide.

Premium for medical expenses insurance

Daily premium for one trip (in CZK) – insurance period up to 90 days.

Lim. class	Age	Tourist type		Business type		Sports type
		Europe	World	Europe	World	Europe	World
A	0-17	13	26	17	44	17	44
	18-69	18	36	24	60	24	60
	70 and above	36	72	-	-	-	-
B	0-17	26	52	34	88	34	88
	18-69	36	72	48	120	48	120
	70 and above	72	144	-	-	-	-

Assistance services are an integral part of the medical expenses insurance. They are available in Czech and provided non-stop, i.e. 24 hours per day and 365 days per year. The assistance company offers, for example, the following services:

• advising of suitable health-care facilities and arrangement of the transport of the insured to a hospital,
• arrangement of the payment of all medical expenses in case of hospitalisation,
• arrangement of the transport from abroad to a hospital in the Czech Republic, including medical attendance, if necessary,
• delivery of locally unavailable drugs or medical resources,
• limit class B includes above-standard assistance services – legal assistance, hospital visit of the insured by a close relative, dispatch of a substitute employee in case of a business trip.

Should an insured event arise, please contact the assistance company AXA Assistance at the telephone number (+420) 272 10 10 11.
 

• contact the assistance company without undue delay
• keep the originals of medical reports, diagnoses, lists of treatment procedures and bills, or originals of these documents´ duplicates
• notify the assistance company of the insured event in writing immediately after you return from the trip

The assistance company guarantees that the physician and health-care facilities will be reimbursed for the cost related to the necessary medical treatment or to the transport of the insured back to his/her home country, including the professional medical accompaniment.

How to contact the assistance company?

AXA ASSISTANCE CZ s. r. o.
Hvězdova 1689/2a
140 62 Prague 4
Czech Republic

Tel.: +420 272 10 10 11

In a short telephone conversation you provide the assistance company with this basic information:

• payment card number
• name, surname and birth certificate number of the insured who is in need
• brief description and circumstances of the insured event
• address and telephone number of the place from which you are calling

The operator will call you back in order to get more detailed information and to provide you with instructions.

You can obtain our products at any branch of Komerční banka. Special insurance products designed for other companies of our financial group (Modrá pyramida, Essox, Penzijní fond KB) can be arranged with the representatives of these companies. For more information call the Call centrum of Komerční pojišťovna using the free Info Line 800 10 66 10 or on-line.

Information for Persons Interested in Insurance and Insurance terms and conditions are available only in czech language.

If you arrange, together with the basic insurance, also the offered additional types of insurance, your travelling will become more comfortable and secure. All types of additional insurance may be arranged for trips within the Czech Republic (zone T-inland) as well.

Should you suffer an injury during your stay abroad, the medical expenses insurance will cover the cost of its treatment. However, if you have arranged the additional accident insurance, you will also receive damages according to the gravity of your injury.

Sums insured in additional accident insurance:

	Limit class A		Limit class B
Age of the insured	up to 17 yrs	from 18 yrs	up to 17 yrs	from 18 yrs
Permanent consequences of an accident	CZK 100,000	CZK 200,000	CZK 200,000	CZK 400,000
Death due to an accident	CZK 20,000	CZK 100,000	CZK 40,000	CZK 200,000
Damage by an accident	CZK 20,000	CZK 20,000	CZK 40,000	CZK 40,000

The insurance will cover possible damage or harm to property or health caused by the insured unintentionally to a third person abroad. Any damage to health is covered up to the limit of CZK 2,000,000, damage to a thing up to the limit of CZK 1,000,000 and other damage up to the limit of CZK 500,000.

Komerční pojišťovna will indemnify the damage up to CZK 15,000 incurred due to a loss or theft of luggage (the insured participates by the amount of CZK 500, the maximum indemnity for one piece of luggage is CZK 10,000).

If, due to serious reasons (e.g. own illness), the insured cannot take part in a purchased tour arranged with a travel agency, s/he will be reimbursed for 80% of the paid cancellation fees, however, up to the maximum limit of CZK 12,500 for one person for the zone E and CZK 25,000 for one person for the zone S.

Accident Insurance

	Type of trip
Limit class	Age	Tourist	Business	Sports
A	0-17	3	6	6
	18-69	5	10	10
	70 a více	5	-	-
B	0-17	6	12	12
	18-69	10	20	20
	70 and above	10	-	-

Damage Liability Insurance

	Type of trip
	Tourist		Business		Sports
Age/Zone	E,T	S	E,T	S	E,T	S
0-17	2	3	2	3	2	3
18-69	3	4	5	6	5	6
70 and above	4	5	-	-	-	-
0-17 (travelling alone)	3	4	5	6	5	6

Luggage Insurance

	Type of trip
Age	Tourist	Business	Sports
0-17	3	3	3
18-69	5	8	8
70 a více	5	-	-
70 and above	5	8	8

Tour Cancellation Insurance

The amount of premiums is 2.5% of the total price of the tour.

• The insurance fully covers the necessary cost of medical treatment abroad, including prescibed medications, cost of the insured´s transport to a health-care facility and repatriation back to the Czech Republic up to the insurance indemnity limit.
• Quality assistance services available non-stop and in Czech.
• Combining of individual types of additional insurance according to the client´s wishes.
• Possibility to select the type of trip - tourist, business, sports or risky.
• Possibility to select the limit class according to the client´s wishes.

The travel insurance may be arranged quickly and easily on-line here and with a 15 % discount.