FAQ

BASIC HEALTH INSURANCE

Coverage of the costs of necessary and urgent treatment and hospitalisation at all healthcare facilities in the Czech Republic to the extent necessary. 

COMPREHENSIVE HEALTH INSURANCE

The insurance meets the requirements of Act No. 326/1999 Sb., on the Residence of Foreign Nationals in the Czech Republic, and is recognised by the Ministry of Interior and the Foreign Police of the Czech Republic.

The scope of comprehensive health insurance is as close to identical to that provided under public medical insurance in the Czech Republic. 

112 - this is a general emergency number for all emergency services (equivalent to the 911)

USEFUL TIP!

Update your emergency contacts in your phone and make sure at least one of your emergency contacts is locally based and has your insurance details (see Section no. 2)

CALL THE 24/7 ASSISTANCE SERVICES

The assistance service is available non-stop, its staffs is able to communicate with clients in all world languages, it has an up-to-date list of our contractual doctors and healthcare facilities and can, if required, also provide a payment guarantee to a healthcare facility, and so forth. 

The contact details for the assistance service can be found on the insured person's ID card.

ASSISTANCE SERVICES NUMBERS 24/7

AXA                              + 420 292 292 220

Collonade                    + 420 251 032 835

PVZP                            + 420 296 841 333

Slavia                           + 420 255 790 262

SV Pojistovna             + 420 221 585 111

Uniqa                           + 420 234 280 234

USEFUL TIP!

Save the insurance assistance number to your phone, take a photo of your insured person's card and add it to the number. Share this contact with your friend or a family member. 

Clients should visit contractual doctor and healthcare facility, except in case of the need for acute care. Prior to any visit, call the assistance services (Section no. 2) for up-to-date list of doctors. The assistance service also has list of doctors speaking English. 

• The PVZP is the only insurance company that currently allows searching for a contractual medical facility online www.pvzp.cz contract health facilities finder https://www.pvzp.cz/en/contract-health-facilities-finder/

Each of the insurance companies have a different level of coverage comes to the number of contractual facilities and doctors but generally, all insurance companies have large hospitals in big cities covered. 

PRIVATE CLINICS

Unless it is specifically part of your insurance contract, membership fees for private clinics are not included in your contract. If you agree with the assistance services prior the visit of a private clinic, you will pay for the services and claim back or the insurance company will care for the bill (subject to agreement). The claim (see section "claims") is then proceeded, but coverage is only to the level of national health care standard. 

USEFUL TIP!

There is a background procedure that has to happen in order for you not to pay out of pocket, hence it is essential always calling the assistance services, even when revisiting the same doctor. Private hospitals will recover some of the care from the membership fees and will only charge the excess to your insurance company. As this is your contractual duty, failing to do so may result in your claim falling through. 

Please refer to your insurance contract (the terms and conditions) for details of the limits. 

BASIC HEALTH INSURANCE

Basic health insurance will have lower limits, subject to insurance company of your choice and covers only accidents and emergencies. 

COMPREHENSIVE HEALTH INSURANCE

The scope of comprehensive health insurance is as close to identical to that provided under public medical insurance in the Czech Republic. 

Insurance benefit is subject to a limit per insured event, with the option of also taking out supplementary insurance such as liability, Schengen area emergency cover, hospitalisation or injury (only with some of the insurance companies).

Comprehensive insurance only. 

PREVENTION

This differs per insurance company and the level of premium you decide to purchase (check the Terms&Conditions or the IPID - the product information document). However, majority of the insurance companies cover 1x GP check up a year. Some have added dental prevention and gynaecology visit (for dental limits and prevention care see section "dental"). 

VACCINATIONS

You are eligible for mandatory vaccination (as per the CZ national health care standards). 

COVID-19 VACCINATIONS

At the moment, registration for vaccination in the Czech Republic is possible only for participants in public medical insurance.

PRESCRIBED MEDICATIONS

Some of the insurance companies offer e-prescription (Colonnade). Prescriptions are otherwise given by doctors. The same applies. The client pays for the drugs himself at the pharmacy and then asks the insurance company for reimbursement (see section "claims").

CARRYING MEDICINES FROM ABROAD

Many international travelers carry medicines with them to treat acute or chronic health problems. However, each country has its own laws related to medicines. Medicines that are commonly prescribed or available over the counter in your country might be unlicensed or considered controlled substances in other countries. 

USEFUL TIP!

Check with the Czech embassy - travelling with medication for the rules before you travel. It is useful to keep the medication unpacked in its original packaging and an original of a prescription or a letter from your physician stating that you need the medication for your personal use. www.mzv.gov.cz - travelling with medication https://mzv.gov.cz/washington/en/consular_information/travel_to_CR/travelling_with_medication.html

Essential stomatological treatment for the purpose of eliminating pain, simple dental filling and stomatological treatment in the case of accident up to the limit set in your insurance contract. 

Below we outline limits for dental care, make sure you check against your insurance contract as limits change as the market develops. 

DENTAL CARE LIMITS - in CZK annual limits (As at August 2024)

AXA                    5.000 CZK

Collonade        20.000 CZK (1x dental prevention)

PVZP                 10.000 CZK 

Slavia                25.000 CZK (1x dental prevention)

SV Pojistovna    6.000 CZK (1x dental prevention)

Uniqa                 10.000 CZK (1x dental prevention)

Sporting activities on a "hobby level" are included in the insurance (except for professional and dangerous sports). Exclusions are in the Terms and Conditions of each of the insurance companies. 

Unless specifically added to your insurance contract based on individually assessed amendment, any health condition or injury prior entering the insurance contract is excluded from the insurance. 

To this point, PVZP is the only insurance company that can, upon your request, detailed medical history and doctor reports, assess and often at increased price, include your pre-existing health condition to your contract. 

Please contact us, shall this be your case and we will assist in the assessment proces. Contact

Anything outside the territory of the Czech Republic is excluded from the contract. 

SCHENGEN AREA

Students generally have Schengen area cover included in their insurance contract for free. 

Adults can either include or exclude Schengen area cover in their insurance contract. There are time limits for such cover (amount of days per travel).

Schengen cover allows for the standard payment that would be due for this healthcare under public health insurance in another Schengen Area member state where urgent and necessary care was provided for the insured. 

Schengen Area member countries are: Austria, Belgium, Bulgaria, Czechia, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Norway, The Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland.

If you plan to travel, it comes very useful to look for travel insurance, it does not cost much but can save a lot. Contact

The insured event is investigated on the basis of the documentation submitted by you. You will be informed about the result directly from the insurance company.

Us, as your insurance agent, can help to file the claim but we cannot make decisions on behalf of the insurance company. We recommend submitting all the documents you receive during the insured event along with your contact details, your contract number and bank details to which the reimbursement would be made. 

There is a statutory three month period for the liquidations of the insured event. 

Some of the insurance companies have online claims options, all of them can be contacted via email too. 

CONTACT DETAILS for claims and other communication

AXA                                          info@axa-assistance.cz 

Collonade                                info@collonade.cz 

PVZP                                        info@pvzp.cz (+online claims option)

Slavia                                       info@slavia-pojistovna.cz (+online claims option)

SV Pojistovna                         info@svpojistovna.cz (+ online claims option)

Uniqa                                       info@uniqa.cz (+online claims option)

If repatriation is necessary and possible from the medical point of view after hospitalisation or treatment, the assistance service in cooperation with the attending physician will arrange for the return of the insured to the country of permanent residence. (see the Terms & Conditions of your insurance contract).

Not all insurance companies offer optional insurances. From those that offer, the options are:

• Insurance for pregnant women: insurance for mother's pregnancy and the birth of her child
• Insurance for professional athletes: covers illness and injuries that occur in connection with the practice of professional sports. 
• Liability for damages insurance: covers cause of accidental damage, for which you are legally liable, and claim is filled against you for compensation
• Accident insurance: accidental death or permanent disability
• Hospitalisation cover: gives you an extra excess per each day in a hospital

EUROPEAN HEALTH INSURANCE CARD - EHIC

A free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland or the United Kingdom under the same conditions and at the same cost (free in some countries) as people insured in that country. https://ec.europa.eu/social/main.jsp?catId=559

It covers benefits provided in conjunction with chronic or existing illnesses as well as in conjunction with pregnancy and childbirth.

Please note:

• is not an alternative to travel insurance. It does not cover any private healthcare or costs such as a return flight to your home country or lost/stolen property,
• does not cover your costs if you are travelling for the express purpose of obtaining medical treatment,
• does not guarantee free services. As each country's healthcare system is different services that cost nothing at home might not be free in another country.

USEFUL TIP!

We are not qualified to advice on the EHIC, please refer to the above website and here https://www.ehic.cz/index.php/for-foreigners?lang=en to start your search through the correct use of the insurance.