The cardholder and their family members (1 additional adult and up to 3 children up to and including the age of 21) are covered. Family members include close/immediate family: parents and children, grandparents and grandchildren, siblings, husband/wife, life partner or other spouse. Stepchildren, i.e. children of one of the partners/spouses, are also covered. Similarly, step-parents (e.g. father/mother remarried) are insured. You can use the insurance on an ongoing basis for different people in your close/immediate family, but always for a maximum of 1 additional adult and up to 3 children. This means that, in the event of multiple insured events, the insurance may cover different people close to you.

Insurance can be taken out by anyone who holds a payment card issued by us, whether it is a physical, digital, debit or credit card. If you want to insure a card belonging to your child under the age of 18, you can do so at a branch or by phone at 495 300 300.

The insurance starts to be valid on the day following the day it is taken out. If you take out insurance once you are already abroad, it will not cover you for that stay, but it will cover you from the next vacation onwards.

Cancellation fee insurance is included in the Extra and Extra Family versions. It covers the cancellation of booked and paid travel services up to a limit of CZK 50,000 per person with a deductible of 10%. Reasons for cancellation may include illness of the cardholder or their family members, extensive property damage, natural disasters, loss of employment, divorce proceedings, court summons or death in the family. To be eligible for reimbursement, the travel service must be paid and cancelled with the provider and the required cancellation fees must be documented.

Yes; the insurance also includes damage liability insurance in the case of damage caused to another person (health, life) or item (damage or destruction) while abroad. Liability insurance also covers damage caused while skiing, cycling and other sports abroad. You can generate a certificate of the arranged insurance using the ČSOB Smart application – My Products – Insurance – go to the insurance company zone. The certificate is in Czech and English versions. It also applies to damage to borrowed items (motor vehicles) up to the amount of CZK 10,000.

Yes, you can use the insurance for business/work trips (manual as well as administrative) or study trips abroad. The insurance also applies to professional drivers and workers on construction sites. However, the insurance does not cover, for example, the work of a stuntman or circus performer, caving, research or scientific expeditions to places with extreme climatic or natural conditions, etc.

You can find everything about your insurance in the ČSOB Smart application under My Products – Insurance. You can also use Internet Banking.

Yes; our insurance pays off even for a single vacation with your whole family. In other cases, it pays off if you spend 14 days of the year abroad. It will also cover short trips (day trips for shopping, weekends in European cities, weekend skiing trips, etc.) or work and study trips abroad.

You needn’t worry about paying for the insurance because the insurance fee is automatically debited at the end of the month in which you take out the insurance and then every year on the anniversary of the insurance.

If you do not want insurance for another year, you must cancel it no later than 7 days before the anniversary. For example, your insurance has an anniversary on 31 March. In that case, it must be cancelled no later than 24 March.

You can terminate your insurance by phone at 495 300 300, in person at a branch, or by sending a written request to our head office.

If you cancel the insurance or change the insurance version, the fee for the insurance already paid will not be refunded.