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Travel Insurance
Travel insurance is designed for:
To all clients traveling abroad and Czech Republic, without any age limitations. Travel insurance is convenient for those who want to spend their holiday or business trip without any worries.
Travel Insurance Characteristics:
The principal of travel insurance is to cover the medical expenses on your travels abroad. In additions, you can also arrange in whatever combination the following types of supplementary insurance cover:
We also offer KB Travel Insurance Programs with discount of 10% for ten-days trips around Europe.
Insurance can be arranged for:
one trip:
- short-term, for a period of up to 90 days
- long-term, for a period of 91-180 days
- long-term, for a period of 181-366 days
for repeat trips abroad during the course of one year, with the following alternatives:
- corporate transferable insurance for one person
- personal, non-transferable insurance for one person
- insurance for two people
- family insurance (for two adults and unlimited number of children)
Anyone older than 18 years can arrange insurance for themselves and fellow travelers. Persons in the age of 15 - 17 years can arrange insurance for themselves only.
Characteristics of insurance of medical expense
The subject of insurance is the settlement of costs on necessary treatment due to an illness or an accident abroad. The insurance of medical expenses also covers the costs on medicines, transport to hospital or transfer of the patient back to the Czech Republic.
A part of this insurance are, of course, assistance services:
Assistance services
Are available nonstop - at any time of day or night, every day of the year. The assistance center with Czech speaking operators is located in Prague and has an extensive network of branches around the world. The assistance company provides the following services:
- recommend a suitable medical facility, or arrange for a doctor to visit the insured
- arrange transport of the insured to hospital
- in the event of hospitalization, it will take over the insured worries over the payment of costs
- maintain contact with the insured and persons dependant on the insured (e.g. children)
- the company's medical team remains in contact with the doctor treating the insured
- if necessary, organize the transport of the insured to a hospital in CZ, including medical accompaniment
- send pharmaceutical drugs or medical material not available locally
- in the event of the insured death, it will arrange for the transport of the insured mortal remains
- above standard assistance services are available with limit class B insurance - legal assistance, visit of the insured in hospital by a close relative, dispatch of a substitute employee in the case of business trips
Limits of insurance coverage (in CZK)
Limit of insurance coverage is determined by the country of destination and the chosen limit class of insurance.
| Limit. class | Duration of trip | Region E (Europe) | Region S (world) |
|---|---|---|---|
| A | up to 90 days | 1,250,000 | 1,750,000 |
| 91 - 366 days | 1,750,000 | 2,500,000 | |
| B | up to 90 days | 2,500,000 | 3,500,000 |
| 91 - 366 days | 3,500,000 | 5,000,000 |
Region E includes all countries in Europe, including islands in the Mediterranean, the Canary Islands, Israel, Cyprus, Morocco, Tunis and Turkey.
Region S includes all the other countries of the world.
Premium tariffs
Daily rate for one trip with the period of insurance up to 90 days. The minimum premium is three times the daily rate.
| Limit. class | Age | Tourist | Business | Sport | Risk | ||||
|---|---|---|---|---|---|---|---|---|---|
| E | S | E | S | E | S | E | S | ||
| A | 0-17 | 13 | 26 | 17 | 44 | 17 | 44 | 90 | 180 |
| 18-69 | 18 | 36 | 24 | 60 | 24 | 60 | 100 | 200 | |
| 70 or more | 36 | 72 | - | - | - | - | - | - | |
| B | 0-17 | 26 | 52 | 34 | 88 | 34 | 88 | - | - |
| 18-69 | 36 | 72 | 48 | 120 | 48 | 120 | - | - | |
| 70 or more | 72 | 144 | - | - | - | - | - | - | |
Characteristics of individual types of supplementary insurance:
You can ensure peace and security during your travels if you enter into the offered additional insurances, together with the basic insurance.
All additional insurance can be also arranged for trips within the Czech Republic (region T).
Accident insurance
In case of an accident, the Insurance benefits will be paid out up to the amount according to the chosen limit class and the age of the insured.
Limits of insurance coverage (in CZK)
| Age of insured | Limit class A | Limit class B | ||
|---|---|---|---|---|
| Up to 17 years | From 18 years | Up to 17 years | From 18 years | |
| Lasting effects of accident | 100,000 | 200,000 | 200,000 | 400,000 |
| Death due to accident | 20,000 | 100,000 | 40,000 | 200,000 |
| Damage due to accident | 20,000 | 20,000 | 40,000 | 40,000 |
Premium tariffs
The daily rate is determined by the type of the trip, the age of the insured and the chosen limit class.
| Limit class | Age of insured | Tourist | Business | Sport | Risk |
|---|---|---|---|---|---|
| A | 0-17 | 3 | 6 | 6 | 16 |
| 18-69 | 5 | 10 | 10 | 22 | |
| 70 or more | 5 | - | - | - | |
| B | 0-17 | 6 | 12 | 12 | - |
| 18-69 | 10 | 20 | 20 | - | |
| 70 or more | 10 | - | - | - |
Third party liability
The insurance company will pay damages unintentionally caused by the insured abroad, irrespective of whether this is material damage or damage to health, damage to property up to CZK 1 000 000 and financial damages up to CZK 500 000.
Limits of insurance coverage (in CZK)
- damage to health: CZK 2 000 000
- damage to property: CZK 1 000 000
- financial damages: CZK 500 000
Premium tariffs
| Tourist | Business | Sport | Risk | |||||
|---|---|---|---|---|---|---|---|---|
| Age / region | E, T | S | E, T | S | E, T | S | E, T | S |
| 0-17 | 2 | 3 | 2 | 3 | 2 | 3 | 5 | 6 |
| 18-69 | 3 | 4 | 5 | 6 | 5 | 6 | 5 | 6 |
| 70 or more | 4 | 5 | - | - | - | - | - | - |
| 0-17 (traveling alone) | 3 | 4 | 5 | 6 | 5 | 6 | 5 | 6 |
Luggage
This insurance covers the damages incurred through the loss or theft of luggage at the place of stay or during the trip.
Limits of insurance coverage
- for one insurance event: CZK 15 000
- for one insured item: CZK 10 000
Contribution of insured is CZK 500 every time.
Premium tariffs
The daily rate is determined by the type of the trip and the age of the insured.
| Age | Tourist | Business | Sport | Risk |
|---|---|---|---|---|
| 0-17 | 3 | 3 | 3 | 3 |
| 18-69 | 5 | 8 | 8 | 8 |
| 70 or more | 5 | - | - | - |
| 0-17 (traveling alone) | 5 | 8 | 8 | 8 |
Trip cancellation
In the event that the insured is not able to leave on a paid trip organized by a travel agency for serious reasons (e.g. illness), that person will receive a refund of 80 % of the cancellation fees he was required to pay.
The premium is 2,5% of the total price of the trip.
The limit of insurance benefits per one person is CZK 12,500 for region Europe and CZK 25,000 for region World.
Travel Insurance Programs:
Such programs enable advantageous arrangement of travel insurance with a 10% discount. They cover the most frequent demands of clients and relate to the tourist ten-days trips around Europe and other Mediterranean countries. This insurance also covers recreational sporting activities as for example swimming, tennis, volleyball etc.
Not only individuals, but also families with two children can take the advantage of the discount.
There are two variations of the programs, differing in the scope of insurance coverage:
Basic - it provides basic protection against potential illness
- it covers insurance of medical expenses for the trips abroad, including assistance services
- the A limit class is applicable for this program
Complex - it provides complex coveragefor all unpleasant situations that can arise during your holiday
- except the insurance of medical expenses, it also contains three types of insurances
- accidental supplementary insurance for coverage of injury consequences
- liability insurance for damages caused to third parties; it covers damage to health, property and financial losses
- insurance for loss or theft of baggage
Price
| Variation | Individual | Family |
|---|---|---|
| Basic | 162 CZK | 555 CZK |
| Complex | 279 CZK | 933 CZK |
Advantages of Travel Insurance:
- insurance fully covers the costs of the necessary medical treatment abroad, including prescribed medicines, costs for the transport of the insured to a medical facility or repatriation, up to the insured amount limit
- assistance services are available nonstop
- ability to combine individual supplementary insurance cover according to the client's wishes
- ability to choose the type of trip- tourist, business, sport or risk
- group discounts - 5 % for 15 to 30 insured, 10 % for 31 or more insured
- discount for as few as 3 insured, in those cases where the insurance is arranged by a legal entity
- 10% discount for the KB Travel Insurance Programs
The Travel Insurance will allow you:
- protect yourself against unexpected expenses connected with sudden illness or injury during your travels abroad. Insurance cover can be extended according to the client's needs with individual supplementary insurance including: accident, luggage insurance, third party liability and trip cancellation.
How can I obtain Travel Insurance?
If you are interested in learning more about this product or if you would like to apply for this product directly, please contact your bank advisor or call the KB toll free line 800 111 055.
