> Guaranty Max

General information

Guaranty Max medical insurance is made up of a combination of several types of insurance covering the maximum number of possible risks and allowing for effective coverage of any revenue shortage on the part of the insured person.

Primary (obligatory) insurance:

• Hospitalization Insurance
• Insurance for the permanent effects of injury

Optional insurance:

• Death due to injury
• Daily compensation for the duration of treatment of an injury
• Daily compensation for incapacity to work due to illness

By taking out Guaranty Max insurance you also gain access to the unique medical assistance services system.

Automatic 5% discount for those insured by VZP ČR.

Primary insurance

Hospitalization insurance

In the event of hospitalization due to illness or injury you will be paid insurance benefits for each day of your stay in hospital if hospitalization lasts a minimum of four days (the first and last day count as one day), but for a maximum of 30 days of hospitalization within a single year.

• daily coverage may be chosen for 60, 200, 300 or 500 CZK
• supplementary insurance available for serious conditions

If an insured child up to six years of age is hospitalized, daily coverage is also agreed for one accompanying person.

In the event of hospitalization due to   a listed serious condition for which this supplementary insurance has been taken out, the insurer will pay benefits amounting to double the agreed daily contribution.

 

Insurance for permanent effects

In the event of an injury you will be paid insurance benefits for permanent effects, if damage comes to a minimum extent which you have specified. When the type without progressive benefits is taken out, you will be paid a percentage of the agreed sum insured, while for the type with progressive benefits you will be paid the appropriate multiple of the agreed sum insured.

• options for sum insured under the insurance type with progressive benefits: 100,000 - 800,000 CZK

without progressive benefits: 100,000 - 1,000,000 CZK.

For both types of insurance benefits, a minimum extent of damage may be selected for which the insurer is obliged to provide benefits (0.001%, 2% or 10%)

Secondary insurance

Death due to injury

In the event of the death of the insured person due to injury, the agreed sum insured will be paid out.

• options for sum insured
  • for children a flat amount of 20,000 CZK
  • for adults 100,000 - 1,000,000 CZK

Daily compensation for treatment of an injury

Where an injury has occurred and is being treated within the duration of the insurance for at least the agreed minimum number of days, you will be paid the agreed daily compensation for each day of treatment, retroactively from the first day.

• daily compensation options
  • for children 50 - 150 CZK
  • for adults 50 - 300 CZK
• options for the minimum number of days of treatment for payment: 9, 14 or 21 days

Confirmation of incapacity to work is not required. The agreed daily compensation will even be paid to you for a period when you are actively in employment but receiving treatment for the injury.

 

Daily compensation for incapacity to work due to illness

In the event of incapacity to work due to illness arising within the duration of the insurance and lasting for at least the agreed minimum number of days, you will be paid the agreed daily compensation for each day of its subsequent duration, i.e. not retroactively.

• options for daily compensation for adults: 50 - 300 CZK
• options for the minimum number of days of payment for incapacity to work: 15, 22 or 29 days

Medical assistance service

By purchasing this product you can make use of these services round the clock:

Healthcare assistance service (included free in the price of the insurance)

phone: 242 480 806

• for the entire Czech Republic
• find the nearest emergency medical services
• find the nearest pharmacies with emergency service
• find the nearest hospital with emergency operation
• guide a patient to a particular healthcare establishment

Telephone doctor's advice service (special rate 38 CZK/min)

Phone: 900 382 211

A specialist doctor's advice service if your state of health deteriorates (not meant to replace the ambulance service or to deal with emergency life-threatening situations)

• specialist advice and consultations if the client does not have a doctor to hand
• specialist advice and consultations if the client does not have an attending physician,
• specialist consultations if the possible side effects of medicines need to be checked
• specialist consultations on particular healthcare procedures and operations
• specialist advice on vaccination issues

Visits and treatment by a doctor at a designated location (special fee 2,200 CZK per visit)

phone: 1231

• treatment in Prague and Brno – or within 20 km of the city limits
• treatment by a doctor at a location designated by the patient – at home or at work
• treatment within 120 minutes
• provision of basic medicines on site included in the price
• recommendation of subsequent specialist care
• arrangement of subsequent nursing care
• arrangement of follow-on care service

Links

How can I take out Guaranty Max insurance?

 

This insurance can be taken out at these sales outlets:

• Pojišťovna VZP, a.s.
• VZP ČR
• Česká podnikatelská pojišťovna, a.s.,Vienna Insurance Group