Health Insurance

Insurance in the Czech Republic

Compulsory student insurance in the Czech Republic

Why do foreign citizens need insurance in the Czech Republic?

  • Every foreign citizen entering the Czech Republic on the basis of a long-term visa must have comprehensive health insurance in accordance with Act No. 326/1999 Coll. “On the Residence of Foreigners in the CR.”
  • Foreigners’ health insurance covers expenses related to preventive medical care, treatment, hospitalization, and acute cases, including accidents.
  • The presence of comprehensive insurance is a prerequisite for obtaining a long-term visa to the Czech Republic.

A single insurance company, entitled to provide comprehensive medical insurance to foreign citizens from 08/02/2021, in accordance with the law “On the Residence of Foreigners in the CR”:

Pojišťovna VZP a. s.

  • Health insurance, which is similar to public health insurance.
  • Coverage of hospitalization expenses and preventive care, acute cases and rescue services, emergency dentistry, medicines, and medical equipment prescribed by an outpatient doctor.
  • Does not require a preliminary medical examination.
  • 24/7 assistance service – AXA Assistance.
  • Coverage of insured events throughout the Schengen area.
  • Coverage of expenses related to Covid treatment, as well as vaccination in the Czech Republic.
  • The insurance indemnity limit is 2 million CZK (more than 75,000 €) per insured event.
  • VZP was founded in 2004 and has the status of a state-owned insurance company. It is a leader in terms of the number of customers – 6.5 million people trust their health to VZP.
  • Almost all Czech medical institutions cooperate with VZP, so you will not be limited in choosing a hospital or a doctor if necessary.

SLAVIA pojišťovna a.s.

  • Slavia has many years of experience in the insurance of foreigners in the Czech Republic.
  • Comprehensive health insurance Slavia complies with all the requirements of Law No. 326/1999 Coll., “On the Residence of Foreigners in the CR” if the insurance policy is issued before 02.08.2021.
  • The insurance indemnity limit per one insured event is 2 million CZK (75,000 €).
  • Insurance is valid not only in the Czech Republic but throughout the Schengen area.
  • Coverage of expenses related to Covid treatment, as well as vaccination in the Czech Republic.
  • The insurance policy includes a round-the-clock assistant service (also in English).
  • Slavia provides the best assistance support to its clients (also in English), which will allow you to solve the insurance situation without any problems even right after arrival, and without any knowledge of the Czech language.
  • When concluding an insurance contract, you will be provided with a list of medical specialists, among whom you will also find English-speaking doctors, with full contact details (contact information is regularly updated by Slavia).

Insured event

In case of an insured event (sudden illness or injury), you must contact the specialists of the assistant service of your insurance company:

 

Pojišťovna VZP, a. s. + 420 272 099 943

SLAVIA pojišťovna a.s. + 420 255 790 262

You will be told what assistance you need and will be referred to the appropriate hospital for assistance.

The clients of the insurance company PVZP and SLAVIA have a great advantage: when visiting a contracted hospital, it is enough to present only your insurance number and medical services will be provided to you without requiring any payments. Contractual hospitals, which include faculty hospitals, provide high-level medical care.

In case our clients use the services of a non-contractual medical institution, where they have to pay for medical care themselves: in order to return the money, it is enough to fill in a form to the insurance company about the occurrence of an insured event and send it to the head office of the insurance company together with the medical report and the original confirmation of payment companies.

The general terms and conditions of comprehensive health insurance for foreigners can be found at the link below:

«PVZP comprehensive insurance terms»
«SLAVIA comprehensive insurance terms»
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