Travel Insurance

For employees, students, and persons sent on behalf of Palacký University Olomouc (UP)

Insurance contract for long-term insurance while on business trips abroad
Policy number: 2000055471
ERV Evropská pojišťovna, a. s.
registered in the Commercial Register of the Municipal Court in Prague, Section B, Entry 1969, with registered headquarters at Křižíkova 237/36a, CZ-186 00 Prague 8, Business ID No. 49240196

Insured persons are covered by two tariffs: EUROPE and WORLDWIDE, and the difference is slightly different than geographical Europe: www.ervpojistovna.cz/en/area-of-insurance-cover

The terms and conditions of the scope of insurance are detailed in the links below. Although they only refer to employees, the same terms and conditions also apply to UP students and persons travelling on behalf of UP. Similarly, the terms and conditions apply not only to business trips but also to work placements, internships, and work stays. xxxthe links below. Although theyis only refers to employees, the same terms and conditions also apply to UP students and persons travelling on behalf of UP. Similarly, the terms and conditions apply not only to business trips but also to work placements, and internships, and work stays.

Links:

• Detailed information on the scope of insurance
• General Insurance Conditions

The tariff for risk sports is 90 CZK per person per day. Such trips must be announced to Jiří Zapletal in advance, otherwise insurance does not cover risk sports; the invoicing is separate and must be paid in advance of the trip. Ordinary and winter sports covered by UP insurance and risk sports which are tariffed separately are described on page 22 of the General Insurance Conditions found at the link above.

NOTA BENE: UP insurance does not cover war zones – Option to take out the RISK PLUS product

If you are travelling to countries with a potentially volatile security situation, you can check the current “List of Countries with Increased Security Risk” at www.ervpojistovna.cz/en/risk-areas. “Risk zone” areas (orange boxes) are insured in the UP contract for FREE and do not need to be reported; “War zone” areas (red box) ARE NOT INSURED, but it is possible to apply prior travel under the UP war contract no. 2000203242, conditions and limits will be sent to you via e-mail – please contact in advance Jiří Zapletal, BOHEMIA Insurance Agency,, tel. +420 776 003 842, zapletal@pmbohemia.cz

Confirmation that you have been accepted for insurance, will be sent to you via return e-mail by Jiří Zapletal based on the submitted registration data. The Assistance Card should be a part of your trip, download or print it; this is essential, because in the case of major damages such as a hospital visit/stay, surgery, when you call assistance in Prague, they will verify whether or not you are actually sent by UP on the trip – it is a simple matter of having the contract number and assistance contact information at hand, or just writing down the numbers. Rather than following the instructions on the reverse of the card, follow the instructions here on the UP webpages in the paragraph What to do in the event of an insurance claim.

An insurance certificate in written form is only issued to travelling persons who are requested to show it by their foreign partner (organisation, school, accommodation, or for visa processing purposes). Contact Jiří Zapletal in due time as to what specific insurance you require and forward him its requirements, and attach your data (your first name(s), surname(s), date of birth, country of residence, the dates from-to for which you require the insurance certificate – it is not enough to only state the month of your return to the Czech Republic, it is necessary to also indicate the end of the internship, practice, stay, etc.). In case you have already applied for insurance, write everything onto the original communication thread, do not start a new e-mail thread to request a certificate.

Persons travelling to France: In case of a request from a foreign institution for proof of “room/housing insurance”, please contact Jiří Zapletal for such a certificate – i.e. send the exact and complete address (including room number, building number or designation, block or wing of the property – batiment, logement, or chambre). The room furnishings must be insured by the French owners against natural disasters and theft – you have no control over such damages. However, if you cause damage (called liability) to property (real estate or room furnishings) owned by the owners, their staff, or third parties at the location and/or to their health, as a person travelling on behalf of UP you are properly covered in case of such incidents by high-quality insurance. This is called “Code G” and the French are the third party (personal injury up to EUR 0.979 million and damage to property up to EUR 0.489 million in conversion); the insurance is also related to your personal property if the theft occurred in a locked housing situation.

1) Medical expenses

Minor treatments are paid by you in cash at the doctor’s office or hospital on the basis of a bill for services – ask for a receipt/proof of payment, then contact Jiří Zapletal immediately by e-mail for settlement/reimbursement. In doing so, complete this Notice of Insurance Claim: MEDICAL EXPENSES (in Czech, employer = UP, employee = student or professional position). Sign the notice and scan relevant documents including receipts and medical reports (preferably in colour in pdf/jpg formats; if you cannot print and scan these documents, take a photo of them and just fill in the above-mentioned Excel file and write your name instead of signature) and send it to zapletal@pmbohemia.cz. The insurance claim will be paid to your private account. You can do all this even when you are abroad.

For major claims when you do not have the means to pay (200 euros and above), surgeries, hospital stays, etc., and where the insurance conditions directly require assistance to be contacted in advance (see the section Insurance Terms and Conditions – General Insurance Terms and Conditions), contact the Assistance service immediately; the worldwide assistance service headquarters is based in Prague. You will need to know the UP insurance policy number: 2000055471, and the assistance telephone number: (+420) 221 860 606, see https://www.ervpojistovna.cz/en/worldwide-assistance-service and/or use the contact information on the Assistance Card.

You can find out what to do in case of a medical expenses claim in this ERV travel guide (in Czech), with an exception: always report the insurance claim through Jiří Zapletal instead of following the instructions in the last paragraph (unless you use the Assistance service).

2) Other types of damage

For other claims (E to P codes), keep any and all possible documents – i.e. police report, boarding tickets, luggage ticket, Property Irregularity Report (PIR), receipts for stolen property, claims by the persons who suffered damage, etc. – and contact Jiří Zapletal by e-mail, who will give you instructions and send you the relevant papers to fill in. Contact Assistance only in cases when the insurance terms and conditions require it (see the section Insurance Terms and Conditions – General Insurance Terms and Conditions).

3) Details on flight claims

What you are entitled to in connection with any damages caused by the airline (flight delays, cancellations, luggage issues, etc.) is listed in this flight rights calculator: https://www.forbrukerradet.no/fly/en/.

• According to this EU guide contact your airline first, followed by the UP insurance coverage, which is supposed to only make up for your damages if they have not been fully covered by the damaging party (do not throw away the airport P.I.R. protocol, boarding pass, luggage ticket, flight ticket)
• These rights apply to flights with carriers based in the EU. They also apply to non-European carriers if the flight is operated from an EU airport.
• Useful links:
  What to do if I have a problem with my luggage?
  Damaged or missing luggage and how to claim it

1. What about students who interrupt their studies and go abroad for a year?

In this case, This is the personal initiative of a student who is not sent abroad on behalf of UP, therefore they may not apply for UP the insurance coverage.

2. Is travel insurance a substitute for health insurance?

Although UP has exceptional all-risk protection, this insurance does not replace regular health insurance or extras health insurance, (e.g. pre-planned, non-life-threatening surgery, or preventive check-ups). Persons suffering with a long-term illness, i.e. if the illness started prior to travel, always need health insurance – please check with your health insurance company before leaving the country. In the event of an unexpected collapse, significant or life-threatening deterioration of condition in connection to a long-term illness, the costs from abroad can be reimbursed by travel insurance if medical records prove that you have had no problems for six months prior to the travel.

Travel insurance covers all sudden, unexpected, painful incidents, accidents, and injuries. On the other hand, it does not cover preventive examinations, preventive tests, and non-acute procedures and surgeries. In regards to pension (social) insurance, the student may request a review of the foreign school by the Czech Ministry of Education and, on this basis, the state will continue to cover this insurance during the period of absence. For students over the age of 26, for stays abroad of more than half a year, there is the possibility of suspending their health insurance in the Czech Republic and reporting back to their health insurance company upon their return within 8 days, submitting a Certificate of travel insurance duration, which Jiří Zapletal will arrange and send to persons on the basis of their given address upon their email request upon their return. The health insurance company will include the student’s stay abroad on the basis of this Certificate.

3. Why is there no insurance in war zones?

UP has negotiated a special exemption: should someone be sent on behalf of UP to a territory that is declared a war zone, RiskPlus supplement can be arranged for this insurance at an additional cost. In order for the exemption to be processed, it must be requested from Jiří Zapletal well in advance.

4. Theft

Only theft of items from the accommodation facility, from the locked trunk of a motor vehicle (it does not matter if it is yours, UP’s, or a rental vehicle – although be aware of the limits: see Detailed information on the scope of insurance), or as part of a robbery is covered; theft of money is covered only in the case of robbery (when money and items are stolen under threat of violence or imminent violence) – you must always submit a police report, which does not need to be translated into Czech. There have been cases where the travelling persons were surprised that the damage was illiquid (stolen mobile phone from a handbag at night at a disco, stolen camera from the next table in a cafeteria, stolen money while walking on the street without the person knowing about it – i.e. no robbery, or money stolen from envelopes in the closet when the person travelling on behalf of UP shared a room with other roommates, etc.). Please secure your money and documents, which concerns especially ladies, so that they are not exposed in a purse hanging over your shoulder; keep them close to you at all times or even carry them in a neck pouch under your clothing, if you enter risky areas.

Before a longer stay abroad, it is recommended to visit your doctor and dentist in the Czech Republic for a regular check-up. Cases where you bring a disease with you from the Czech Republic (e.g. you visit the dentist on the first day of your stay with extensive tooth decay, etc.) are NOT covered by travel insurance. For long-term or lifelong illnesses, travel insurance only covers sudden deterioration of the condition requiring treatment or surgery; routine preventive check-ups and the purchase of medicines you have been taking regularly in the Czech Republic are not covered.

Note for travelling persons – personal holidays:

The insurance applies only to the country or countries and the date(s) determined when you were sent on behalf of UP for study, internship, work, or business travel within various projects, including travel from and to the Czech Republic, even if these are days that are no longer defined by the contract between you and UP (for example, if your stay starts on the 14th of the month and you arrive at your destination a few days earlier in order to complete various formalities for your stay, you are covered by UP travel insurance; the same applies when you return to your home country). The travel insurance does not apply to your personal initiatives, trips, nor holidays/vacations (e.g. you interrupt your stay in the destination and go over to another country for a trip, holiday, to the mountains or sea, or your stay is terminated in terms of the UP contract and you stay in the country for another two or three weeks privately, etc.). For such initiatives you must take out your own private insurance and when applying for coverage, inform Jiří Zapletal about it. This restriction does not apply if the travel to other countries within the specified period of stay in the official destination country is related to your internship, teaching, work, and residency.

If you are travelling to European Union (EU) or European Economic Area (EEA) countries, preferably go to publicly funded (not privately funded) medical facilities if your health condition allows. In these state facilities, present the European Health Insurance Card (EHIC) or the standard “European travel insurance form”  (Montenegro, Turkey, Albania, Tunisia) to avoid paying for treatment. The EHIC is a unified health insurance card issued by your health insurance company and used to provide and pay for emergency healthcare under the same conditions as for nationals. Upon presentation of this card abroad, you are entitled to receive necessary medical care in the territory of another member state, taking into account the nature of the illness and the expected length of stay, without increasing UP’s policy claim history (if you have paid a deductible/patient co-payment, a registration fee, etc., all these extra costs can be later compensated from the UP TI after communicating with Jiří Zapletal).

Which countries are covered by the European Health Insurance Card?

Persons sent abroad on behalf of UP can apply a discount on CANCELLATION insurance with the ERV insurance company (Trip Cancellation and Trip Cancellation Plus) for expensive foreign trips, participation in conferences, or air tickets. To apply for the discount, please contact Mr. Pavel Glavanakov (email: pgl@ervpojistovna.cz, tel: +420 725 173 218) and indicate that you are a person sent on behalf of UP, your name and surname, UP insurance policy number 2000055471, your date of birth, full residential address, where you are going, the beginning and end of the insurance coverage, and the sum insured – the cost of the trip, air ticket, or separate travel service. The rate for UP employees is 5% (Trip Cancellation Plus). Please read the cancellation policy carefully in advance. The insurance can be arranged up to 3 working days after the payment or booking of the first travel service (for "last minute" travel on the day of booking the service).

Cancellation due to COVID-19 illness for insured persons has been a standard part of the Trip Cancellation and Trip Cancellation Plus insurance since 1 July 2020.

Since 1 July 2020, due to the COVID-19 epidemic, Trip Cancellation Plus insurance has been extended to cover the event that the person travelling on behalf of UP unexpectedly and without fault fails to meet the medical conditions for departure (airport check, etc.) at the beginning of his/her trip (while still in the Czech Republic).