Payment cards travel insurance

Coverage for holders of VISA corporate credit payment cards

Insurance coverage for VISA Business

• Basic travel insurance coverage (included in the card price)

1. medical expenses
2. permanent disability and accidental death

• Above-standard travel insurance coverage (not included in the card price)

3. damage liability insurance of citizens
4. personal belongings and luggage

Insurance coverage for VISA Business Gold

• Basic travel insurance coverage (included in the card price)

1. medical expenses
2. permanent disability and accidental death
3. damage liability insurance of citizens
4. personal belongings and luggage

• Above-standard travel insurance coverage (not included in the card price)

5. delayed luggage caused by airlines
6. loss of travel documents
7. legal protection of a driver

Insurance of medical expenses abroad

Insurance of medical expenses covers expenses for necessary care related to an injury or disease originated abroad. The expenses follow:

• Out-patient medical care,
• Hospitalization and medical examination during hospitalization
• Medicine subscribed by a practitioner related to insurance event
• Dental care
• Transportation to the nearest medical facility
• Repatriation of the insured to Slovakia
• Repatriation of mortal remains to the permanent residence in the event of death of the insured

Insurance against permanent disability and accidental death

Insurance covers an injury originated during an insurance period, which results in death or permanent disability. It includes injuries, which the insured party may suffer in his/her ordinary life, on short-term and long-term trips and stays out of his/her permanent residence.

Damage liability insurance of citizens

Damage liability insurance entitles the insured to a claim paid by the insurer for indemnification of damage caused to life, health or belongings of other person, for which the insured is liable as a result of his/her acting or relation under the law.

Insurance of personal belongings and luggage

Insurance covers personal belongings of the insured taken on a trip or stay. Insurance covers damage or destruction of belongings by natural hazards, water facility damage, damage, destruction, theft or loss of belongings in a car accident, theft of belongings if broken in or when luggage is transported by or in custody of freighter.

Insurance of delayed luggage caused by airlines

Insurance indemnifies expenses of the insured for unnecessary clothing and toiletries if the airlines deliver luggage in delay.

Insurance against a loss of ID documents

Insurance indemnifies expenses for substitute identity documents acquired abroad if they are stolen – coverage of transportation expenses to the closest embassy of the Slovak Republic and fees and charges for issue of substitute identity documents.

Legal protection of a driver

The insurance covers the following costs per insurance event:

• expenses for legal consulting provided by experts of the insurer,
• a charge to an attorney in law representing in a civil proceedings,
• a charge to an attorney in law representing in criminal proceedings,
• expenses for expert’s opinion,
• expenses incurred by a counterparty for court proceedings if a court ruled that the proceeding expenses must be paid by the insured,
• a bail to avoid detention-awaiting trial up to EUR 3.319,39 with a zero interest rate loan.

Territorial validity of insurance policy

• legal protection is applicable in the territory of the whole Europe, except for Iceland, Greenland, the Canary Islands, Madeira, Cyprus and Azores Islands,
• legal protection is provided in Slovakia within the full scope of the General Business Terms & Conditions,
• Out of Slovakia the following is provided:
  • legal consulting in out-of-court recovery of insured party’s claims to indemnification of car accident originated abroad
  • zero interest rate loan up to EUR 3.319,39 for bail. On behalf of VISA credit card holders, Generali Slovensko poisťovňa, a.s. will recover indemnification out of court from a foreign liable entity in relation to damage incurred in a car accident not caused by the card holders.

Insurance coverage of individual risks