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Payment card travel insurance

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We offer three options of payment card travel insurance: Comfort, Exclusive and Gold.

The Comfort option can be arranged for all international cards with the exception of cards issued within the frame of Česká spořitelna Personal Account, Clever Card of Česká spořitelna and Kredit+ credit cards.
Exclusive and Gold options are automatically the part of selected silver and gold Kredit+ credit cards (see below).

Think of your family, too. You can arrange additional Family insurance to all insurance options.

Travel insurance includes:

Medical expense insurance
Accident insurance
Third party indemnity insurance
Luggage insurance

Option	COMFORT	EXCLUSIVE	GOLD
Maximum duration of one travel	90 days	90 days	120 days
Insurance benefits	Premium amount (CZK)
Medical expenses	1.5 million	2.5 million	3.5 million
Accident insurance - accidental death and permanent consequences	1 million	1.5 million	1.5 million
Damage liability insurance	200 thousand	1 million	2 million
Damaged and lost luggage	10 thousand *	20 thousand	40 thousand
Deductibles in CZK	500	---	---
Limit per 1 claim	3 thousand	5 thousand	40 thousand
Late luggage when travelling by air	---	1.5 thousand/hour, max. deductible CZK 8 thousand and 6 hours	3 thousand/hour, max. deductible CZK 15 thousand and 6 hours
Late Flight	---	1.5 thousand/hour, max. deductible CZK 8 thousand and 6 hours	3 thousand/hour, max. deductible CZK 15 thousand and 6 hours
Geographical limitations	The insurance is valid for insured risks outside the territory of the Czech Republic and outside the country of permanent residence of the cardholder.
Assistance service **
Insurance benefits	Premium amount (CZK)
Repatriation	500 thousand	1.5 million	unlimited
Repatriation of mortal remains	250 thousand	500 thousand	unlimited
Compensation for coffin acquisition	50 thousand	150 thousand	unlimited
Legal assistance	50 thousand	50 thousand	50 thousand
Car accident - deposit	150 thousand	150 thousand	250 thousand
Recourse actions - legal assistance	50 thousand	50 thousand	50 thousand
Travel expenses of the insured person's representative	---	150 thousand	250 thousand
Travel expenses of a family member	65 thousand	150 thousand	250 thousand
Loss of travel documents	---	20 thousand	20 thousand
Max. limit of insurance benefits per 1 claim under assistance program	500 thousand	1.5 million	3.5 million

* Only for card holders
** Limits of services cannot be cumulated with the limit for medical expenses.

For full details, see the General Terms and Conditions of Travel Insurance.

Arrange your insurance at any branch of Česká spořitelna.

Exclusive insurance is automatically the part of these silver cards:

Visa Business Debit
Visa Business charge

Gold insurance is automatically the part of these gold cards:

Visa Gold Exclusive
Visa Business Gold
Kredit+ MC Gold/ Kredit+ MC Gold UK
Kredit+ Visa Gold
Visa Gold charge

The insurance is provided in cooperation with the Kooperativa insurance company.

If an insured event occurs, the assistance service is provided by Global Assistance on Tel.: +420 266 799 779.

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