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I have a Carefree Travel insurance policy and my vehicle has failed. What should I do?

The first thing to do is to call the breakdown assistance service on +420 226 294 294 294, who will help you arrange for the vehicle to be towed to the nearest garage on your route and tell you how complicated the repair is and how long it will take. You will then discuss the next steps with the assistance service, as well as the possible delivery of a replacement car to ensure you reach your destination safely. Our assistance service is available 24 hours a day.

Am I insured for terrorism?

Terrorism risk is a standard part of travel insurance and the client does not pay extra for it. However, the insurer does not pay in the event that the insured is actively involved in the event or for events occurring in an area for which a government authority has issued a warning, recommendation or caution against travel or stay in such an area for any reason. We recommend that clients monitor the current information on the stands at www.mzv.cz under "TRAVEL" - "Travel Warnings" and "Overview of All Travel Warnings" prior to travel.

I am a non-contributing blood donor, am I entitled to free travel insurance?

Non-contributing blood donors can (subject to certain conditions) obtain free medical expenses insurance (for a maximum of 35 days per calendar year) or annual travel insurance for repeated stays abroad at a discounted premium rate.

I have insurance for France, will it cover me for another country I will be travelling through?

If you take out travel insurance to, for example, France, it will also cover all European countries, the European part of Russia, Morocco, Algeria, Tunisia, Libya, Turkey, Israel and Cyprus.

I am going to the mountains, do I need to take out mountain service insurance?

The scope of the insurance benefit for the insurance of medical expenses itself includes medically necessary transport from the place of the insured event to the nearest first aid facility or hospital and back (i.e. including the possible use of mountain service, helicopter transport and transport of the patient from the ski slope, etc.). On the other hand, this insurance excludes transport, search, rescue and search and rescue operations, unless the insured's health is also insured (e.g. search operations if someone is lost in the mountains and nothing happens to them). This could be the purpose of insurance for mountain rescue services.

I am pregnant, can I take out travel insurance with you?

Of course, a pregnant woman can also insure herself for a trip abroad, but the insured event does not include, for example, childbirth including premature birth, six-week delivery, abortion or laboratory and ultrasound examinations to detect and monitor pregnancy. In the event of a claim, medical care related to the provision of acute and emergency care would be covered, but not treatment/checks as part of pregnancy monitoring. Pregnant clients are advised to see their gynaecologist prior to travel for an examination including a statement on the planned travel.

I had an accident abroad, what should I do?

In this case, you should contact AXA Assistance and follow their instructions. Assistance is available 24 hours a day. The contact details of the assistance service can be found on the insured person's card.

Why should I take out travel insurance if I have a European insurance card?

Despite the Czech Republic's membership in the EU, we cannot be held responsible for different interpretations of necessary and urgent treatment in different countries. In addition, travel medical expenses insurance also covers the full cost of deductibles for treatment, hospitalization and prescription drug charges, which is subject to the rules in the EU country in question. Without travel medical expenses insurance, the client must pay these charges within the EU. The travel insurance includes assistance services 24 hours a day in the Czech language (assistance to clients in an emergency, legal advice, facilitation of communication in a foreign medical facility, contact with family, ...). Travel insurance fully covers the costs associated with repatriation of an injured or ill client to the Czech Republic, including the necessary professional accompaniment. According to EU rules, repatriation is not covered. The travel insurance also fully covers the transport of the body to the Czech Republic. According to EU rules, the transport of the body is not covered.

What about the European Insurance Card…?

Cestovní pojištění zahrnuje služby asistence nepřetržitě 24 hodin denně v českém jazyce (pomoc klientům v nouzi, právní poradenství, usnadnění komunikace v zahraničním zdravotnickém zařízení, kontakt s rodinou, …). Cestovní pojištění plně kryje náklady spojené s repatriací zraněného nebo nemocného klienta do ČR včetně nezbytného odborného doprovodu. Podle pravidel EU repatriace není hrazena. Cestovní pojištění plně kryje i převoz tělesných ostatků do ČR. Podle pravidel EU převoz tělesných ostatků hrazen není.

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