> Guaranty Plus

General information

The purpose of this insurance is to pay daily contributions during hospitalization due to illness, injury, pregnancy or birth, with the option of supplementary insurance for a stay in hospital due to a serious condition. This means that if clients are hospitalized in a healthcare establishment they receive a daily payment of 60 to 500 CZK, depending on the type of insurance taken out. This insurance allows for the utilization of the daily contributions for any purposes at the discretion of the insured person. Suitable uses include payment of regulation fees for hospital stays, which patients are obliged to pay to healthcare establishments under current legislation in effect.

Medical consultation 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

Advantages over similar types of insurance

• the annual insurance premium rate for younger age categories is reduced, with the rate depending on the entrance age of the insured person (now from one year old)
• family insurance with a special rate
• the insurance covers accompaniment of an insured child up to six years of age. If the insured person is a six-year-old child, the insurer will also cover the amount of daily costs for one person accompanying the insured person
• the product includes a medical consultation service
• in the event of hospitalization, supplementary insurance can also be added to the insurance for the stay in hospital due to such serious conditions as:
  • myocardial infarct
  • cerebral vascular accident
  • malignant tumour (cancer)
  • transplantation of important bodily organs
  • blindness
• if this supplementary insurance has also been taken out and the cause of hospitalization is one of the above conditions, the agreed insured daily coverage is doubled

Who the insurance is for

• the insured person may be anybody who is party to public medical insurance in the Czech Republic at any medical insurance company in the Czech Republic. The applicant is to prove this by presenting a medical insurance card (EHIC)
• highly advantageous conditions have been arranged for VZP ČR clients. If the insured person is a party to public medical insurance with VZP ČR, he or she is due a 5% discount on the insurance premium when taking out the insurance policy. The insured person must prove coverage under VZP ČR with a medical insurance card (EHIC) valid as of the date the insurance policy is taken out
• the minimum age for taking out insurance is one year and the maximum age is 59 years

Forms of insurance

• Individual insurance – designed to insure individuals
• Group insurance – can be taken out for just two or more people. Group insurance attracts a discount – the insurance premium is reduced by a certain percentage depending on the number of people
• Family insurance – insurance for a maximum of four people, at least one of whom is a parent and at least one is a child, e.g. two parents and two children, or one parent and three children. A child is understood to mean a person up to seventeen years of age
• the client has the option of choosing daily coverage of 60, 200, 300 or 500 CZK
• the insurance premium rate is also based on the age of the insured person – it is generally the case that the lower the age of the insured person, the lower the rate

Links

How can I take out Guaranty Plus insurance?

Where can I take out Guaranty Plus insurance?