> PATRON

General information

The new health insurance Patron offers:

•  Financial protection in case of unexpected illness or injury
• Up to 500 CZK per each day of hospitalization and simultaneously up to 500 CZK per each day of incapacity for work for up to 1 year per each insurance event
• Financial compensation even in the case of hospitalization anywhere in the Schengen area 

Insurance for hospitalization

 The purpose of the insurance is the payment of daily allowance during hospitalization due to illness, injury, pregnancy and birth. This means that in case of hospitalization the client will daily receive an amount based on the type of insurance, between 100 and 500 CZK. Clients are free to use the provided allowance as they see fit. Daily allowance is provided for a maximum of 365 days per hospitalization due to illness and injury, 30 days due to pregnancy and 10 days due to birth. Hospitalization outside the territory of the Czech Republic is also covered, as long as it occurs in the Schengen area. No guard period (i.e. the period before insurance benefits may be claimed) in case of insurance for hospitalization.  

Insurance for incapacity for work

 Insurance for incapacity for work provides payments of daily allowance during incapacity of work due to illness or injury and is designed for individuals with regular taxable income. It depends on the guard period, i.e. the period before the daily allowance is provided to the client. The guard period may be selected to be 14, 21, 28 or 35 days. The maximal length of payment of daily allowance is up to 365 days per insurance event. Insurance for incapacity for work is valid on the territory of the Czech Republic. 

Advantages over similar types of insurance

•  Both types of insurance may be entered simultaneously or independently
• When negotiating the insurance, it is not necessary to present documents on income or medical examinations, the insurance is entered based on a short questionnaire (available for download here)
• Entering the insurance for an indefinite period with the option of 3, 6 or 12 month periods
• The insurance rates remain fixed during the whole duration of the insurance, i.e. the price of insurance does not go up with the age of the client

  Who is the insurance intended for

•   Any person, including citizens of the Czech Republic and foreigners, regardless of their health insurance company may be insured
• The entry age for insurance for hospitalization is 1 – 55 years
• The entry age for insurance for incapacity for work is 18 – 55 years for persons with regular taxable income

 Discounts

• When negotiating both insurances simultaneously
• 50% discount to travel insurance for repeated stays in a period of 365 days
• For VZP ČR policy holders
• Group discounts –insurances entered for at least two individuals within 1 insurance contract

Links

How can I take out PATRON insurance?