Information about the Insurer
(Article 66, Act No. 37/2004 Coll., on insurance policies)
Insurer
Evropská Cestovní Pojišťovna, a.s., with its registered office at Křižíkova 237/36a, 186 00 Prague 8, IČ 49240196, listed in the Register of Companies of the Municipal Court in Prague, Volume B, File 1969
Board of Directors
JUDr. Vladimír Krajíček – Chairman
Ing. Hana Axmannová
Mgr. Ondřej Rušikvas
Ing. Libor Dvořák
Supervisory Board
Stefan-Ditrich von Hülsen - Chairman
Wolfgang Lackner - Vice-Chairman
Stefan Uwe Holzhauser
Supervision over the insurance sector
Czech National Bank, based at Na Příkopě 28, 115 03 Prague 1
Definition of Insurance
Evropská Cestovní Pojišťovna, a. s., provides insurance and help to persons in distress during travelling, including insurance of financial losses incurred directly by travelling (assistance service). More detailed information on insurance may be found in the Section Personal Insurance, Corporate Insurance and in Insurance Conditions.
Period of Cover
The Insurance commences only the day following the insurance contract signature date. The Policy Holder may also take insurance for him/herself on the day of departure by presenting his/her identity card at our registered office. In this case, the Policy shall also state the hour when the Insurance Contract began.
The Insurance provides cover from the time of crossing the border of the Czech Republic, but not before the date stipulated in the Insurance Contract as the beginning of the period of cover. It expires upon crossing the border of the Czech Republic on the way back or on the expiry date stipulated in the Insurance Contract, whichever occurs first.
The Insurance of travel cancellation commences when paying the premium and lasts until the actual start of the journey.
Insurance Contract Expiration
The Insurance Contract expires after the effluction of time for which it was taken out, by an agreement of contracting parties, by failure to pay the premium for the next insurance year (in case of annual insurance for repeated journeys). The insurance also expires by a notice of termination in accordance with Article 22, Act No. 37/2004 Coll., on insurance policies, and by withdrawal from contract in accordance with Article 23, Section 4 to 6 of the quoted Act.
Method and period of payment of premium
The premium shall be paid in full for the entire period of cover (lump sum premium).
Policy Period
An Insurance Contract may be taken out for the number of days corresponding to the duration of a trip abroad, but not for longer than one year. It may, however, be taken out as an annual insurance for frequent journeys. An Insurance Contract becomes valid by the premium settlement, unless agreed otherwise.
Period of Cover
The Insurance commences only the day following the insurance contract signature date. The Policy Holder may also take insurance for him/herself on the day of departure by presenting his/her identity card at our registered office. In this case, the Policy shall also state the hour when the Insurance Contract began.
The Insurance provides cover from the time of crossing the border of the Czech Republic, but not before the date stipulated in the Insurance Contract as the beginning of the period of cover. It expires upon crossing the border of the Czech Republic on the way back or on the expiry date stipulated in the Insurance Contract, whichever occurs first.
The Insurance of travel cancellation commences when paying the premium and lasts until the actual start of the journey.
The Insurance Contract expires after the effluxion of time for which it was taken out, by an agreement of contracting parties, by failure to pay the premium for the next insurance year (in case of annual insurance for repeated journeys). The insurance also expires by a notice of termination in accordance with Article 22, Act No. 37/2004 Coll., on insurance policies, and by withdrawal from contract in accordance with Article 23, Section 4 to 6 of the quoted Act.
Method and period of payment of premium
The premium shall be paid in full for the entire period of cover (lump sum premium).
Premium Volume
A basic insurance premium depends on the geographic area, for which it is taken out, as well as on the age of the insured and the purpose of the journey. An insurance for single trips is conceived as an insurance for an interval of time (i.e. 1-4 days, 5-10 days, 11-17 days, 18-24 days etc., or 3, 6 and 12 month). A lump sum premium is calculated for a supplementary insurance based on its risk exposure regardless of the period of cover. The annual insurance for frequent trips is rated as an annual premium. The insurance of business trips is rated as insurance per day, unless agreed otherwise.
Avoidance of an Insurance Contract in accordance with Article 23, Sec. 4 to 6 of Act No. 37/2004 Coll., on insurance policies
The Policyholder is entitled to withdraw from an Insurance Contract, which was concluded remotely, in writing and without stating reasons, but within the period of 14 days of concluding the Contract, or from the day when he/she was acquainted with the Insurance Conditions, if he/she was acquainted with these on his/her request after concluding the Contract. This clause should not be applied for travel insurance contracts concluded for less than 1 month.
The Insurer is obliged to, without undue delay, no later than 30 days from the day of a withdrawal from the Insurance Contract, to pay back to the Policyholder a settled premium, from which should be deducted an amount that the Insurer has already compensated; and the Policyholder or an Insured, who is not the Policyholder (or beneficiary) at the same time, is obliged to reimburse the Insurer for the amount of paid compensation exceeding the amount of settled premium within the same period of time.
Minimum Duration of the Insurance Contract
An Insurance Contract may be concluded minimally for one day (a lump sum premium is an interval premium, i.e. 1-4 days, 5-10 days, 11-17 days etc.)
Complaints Handling Policy
Complaints related to insurance may be submitted in writing for the attention of the Insurer’s statutory body or directed to the Czech National Bank.
Law Applicable to an Insurance Contract
An Insurance Contract is governed by the laws of the Czech Republic.
Used Language
All communication during a period of cover of insurance contracts concluded remotely will be conducted in the Czech language, Insurance Conditions and other information is conveyed also in Czech.
Extra Fees for Communication at a Distance
The Insurer charges no special fees for communicating at a distance.
Further Information
Anyone concluding an Insurance Contract remotely may request further information from the Insurer over the phone on: (+420) 221 860 860.
Insurance Conditions
The Policyholder may apply for Insurance Conditions in a printed version with the Insurer or change the way of communication at a distance within the duration of an Insurance Contract concluded remotely.
Personal data Processing
The Insurer is entitled - for the purposes of concluding an Insurance Contract and claims handling - to process (i.e. to gather, store on information carriers, search, manipulate with, retain, sort or combine, block and delete) personal data of Policyholders and insured persons (i.e. names, ID, date of birth, address), and in the case of an insurance event related to health conditions, also any sensible information concerning health conditions. Should these persons (Data Subjects) refuse to provide the above mentioned data, an Insurance Contract cannot be concluded, or a claim handled. The Insurer is entitled to make accesible some personal data to a third party only in very exceptional situations – exclusively in connection with claims handling. A Data Subject may request information on processing of his/her personal data (the Insurer is entitled to charge a reasonable fee for the information), a correction of his/her personal data, an explanation, or clearing out a status if he/she finds out or deems the Insurer processes his/her personal data is in conflict with the protection of his/her private and personal life, or is contrary to law. Should the Insurer fail to oblige this request, the Subject is entitled to turn to The Office for Personal Data Protection. The Insurer is entitled to keep personal data for the duration of his resposibilities and liabilities arising from the Insurance Contract, or related to it.
