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Travel insurance to Gold Cards – Description

Travel insurance for holders of international payment cards Gold Cards and Gold Business Cards (Gold Card) issued by Komerční banka, a. s.

This insurance is a useful part of your payment card. It enables you to travel without any worries, helps you enjoy your holiday or carry out your business trip successfully.

Who is insured?

  • each payment card holder
  • holder´s partner
  • dependant children of the holder and their partner aged under 21 if travelling together with the holder
  • the partner and children are insured only if travelling together with the holder

What risks are insured?

  • cost of the necessary medical treatment up to CZK 2,500,000
  • medical transport and repatriation back to the home country
  • accompaniment of children returning home
  • damage liability
  • legal assistance
  • permanent consequences or death due to an accident
  • delay, loss or theft of luggage
  • flight delay or cancellation
  • loss of identification documents
  • tour cancellation

Insurance indemnity limits.

When and where are you insured?

The insurance applies to an unlimited number of private and business trips beginning and ending in the Czech Republic. The insurance is only effective abroad during the first 60 consecutive days of the trip.

The insurance naturally includes high-quality worldwide services of the company AXA ASSISTANCE CZ s. r. o. These services are provided 24 hours a day, 365 days a year and the operators can speak Czech and other languages as well.

! Tip Insurance indemnity limits

Insurance indemnity limits

Max. indemnity in CZK
Holder Partner Child
Health emergency insurance
Medical expenses in case of a health emergency 2,500,000 2,500,000 2,500,000
Medical transport and repatriation 2,000,000 2,000,000 2,000,000
Hospital visit by a close person 200,000 200,000 200,000
Transport of the deceased 300,000 300,000 300,000
Premature necessary return to home country 200,000 200,000 200,000
Substitute employee 200,000 200,000 -
Accompaniment of children returning home - - 100,000
Accident insurance
Sum insured of the basic accident insurance for permanent consequences of an accident 200,000 200,000 200,000
Sum insured of the basic accident insurance for death due to an accident 200,000 200,000 200,000
Sum insured of the additional accident insurance 200,000 200,000 200,000
Legal assistance insurance
Legal assistance 200,000 100,000 100,000
Bail delivery cost 150,000 - -
Damage liability insurance 1,400,000 1,400,000 1,400,000
Insurance of losses directly related to air travelling
Flight delay, flight cancellation 8,000 8,000 -
Delay of luggage 8,000 8,000 -
Loss, theft, damage or destruction of luggage
(insured´s financial participation)		 30,000
(1,800)		 30,000
(1,800)		 -
Loss of identification documents 5,000 5,000 5,000
Tour cancellation
(insured´s financial participation)		 100,000
(20%)		 100,000
(20%)		 100,000
(20%)

How to arrange the insurance?

You can obtain our products at any branch of Komerční banka. Special insurance products designed for other companies of our financial group (Modrá pyramida, Essox, Penzijní fond KB) can be arranged with the representatives of these companies. For more information call the Client Service of Komerční pojišťovna using the free Info Line 800 10 66 10 or on-line. - (new-window)

What to do if an insured event occurs?

Should an insured event arise, please contact the assistance company AXA Assistance at the telephone number (+420) 272 10 10 30.
More information.

  • contact the assistance company without undue delay
  • keep the originals of medical reports, diagnoses, lists of treatment procedures and bills, or originals of these documents´ duplicates
  • notify the assistance company of the insured event in writing immediately after you return from the trip

The assistance company guarantees that the physician and health-care facilities will be reimbursed for the cost related to the necessary medical treatment or to the transport of the insured back to his/her home country, including the professional medical accompaniment.

How to contact the assistance company?

AXA ASSISTANCE CZ s. r. o.
Hvězdova 1689/2a
140 62 Prague 4
Czech Republic

Tel.: +420 272 10 10 30

In a short telephone conversation you provide the assistance company with this basic information:

  • payment card number
  • name, surname and birth certificate number of the insured who is in need
  • brief description and circumstances of the insured event
  • address and telephone number of the place from which you are calling

The operator will call you back in order to get more detailed information and to provide you with instructions.

FIS rules

Motive illustration