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Foreigners’ Medical Insurance

Basic Foreigners’ Medical Insurance

Basic

Insurance for foreigners designed to protect their health by providing high-quality medical and assistance services.

Necessary and urgent medical care in the event of sudden illness or injury of the insured person.

The insurance complies fully with the valid legislation governing foreigners ‘residence in the Czech Republic (up to 90 days) and is accepted by the Department of Migration and Asylum Policy of the Ministry of the Interior.

Benefits

For all age categories

Option of arranging supplementary cover for hazardous sports

Assistance services

Advantages of the insurance What does the insurance cover? Story from life Types of insurance How to arrange Discount Useful links FAQs Contact form

Advantages of the insurance

Coverage of the costs of necessary and urgent treatment and hospitalisation– We ensure coverage for necessary treatment and hospitalisation at all healthcare facilities in the Czech Republic.
Non-stop assistance services 24/7 – Professional support is available in Czech, Russian, and English.
Flexible insurance duration – Insurance can be arranged for a period ranging from one day to 36 months, so you can choose the duration that fits your plans and needs.
Suitable for all age categories – Our insurance is available to everyone, from children to seniors, regardless of age, ensuring coverage for your entire family.
High benefit limit – benefit limit ranging from CZK 1.8 million to CZK 3 million per insured event. This provides high financial protection even in the case of serious health issues.
Coverage in the Czech Republic and the entire Schengen Area – Our insurance covers not only the Czech Republic but also all Schengen Area countries, providing you with peace of mind while traveling across Europe.
Online arrangement – quick and easy, from anywhere
The insurance serves as a proof of medical insurance for foreigners staying up to 90 days in accordance with Act No. 326/1999 Coll., on the Residence of Foreigners in the Czech Republic, as amended.

What does the insurance cover?

Insurance includes:

necessary care by emergency medical and rescue services
transportation to a healthcare facility
necessary examinations required to determine the diagnosis and treatment plan,
essential treatment and hospitalisation,
urgent and necessary medical procedures, including essential medications and medical supplies
acute dental care,
outpatient medicines,
repatriation of the insured to the country of origin, including transportation of bodily remains.

Additionally, you can arrange supplementary insurance for hazardous sports.

Safe travel for foreigners

Mr. Karim arrived in the Czech Republic for a two-week vacation. During a sightseeing tour in Prague, he injured his ankle and had to seek medical treatment. Thanks to the basic health insurance for foreigners from PVZP, he received the necessary medical care without high out-of-pocket expenses. The insurance covered not only the medical examination but also the required medications and transportation to the hospital.

Karim, 35 years old

Examples from life

What kind of medical insurance should a foreigner choose?

covered

not covered

Insurance coverage	Basic Medical Insurance	Comprehensive Medical Insurance PLUS	Comprehensive Medical Insurance EXCLUSIVE
Essential and urgent healthcare
Preventive check-ups
Healthcare related to pregnancy and childbirth		yes, after qualifying period	yes, after qualifying period
Treatment of chronic illnesses
Pre-existing conditions (illnesses that occurred before the insurance was arranged)
Healthcare similar to the public health insurance in the Czech Republic		yes, with exclusions	yes, without exclusions
Professional sportsmen		yes, optional	yes, optional
Insurance Newborn (without qualifying period for pregnancy + postnatal care for a newborn baby)		yes, optional	yes, optional
Repatriation and transportation of bodily remains
Duration of insurance coverage	1 day - 36 months	4 - 60 months	4 - 60 months
Indemnity limit for one insured event	1,8 million CZK - 3 million CZK	10 million CZK	10 million CZK
Accepted by Department of Asylum and Migration Policy (OAMP)	for a stay of up to 90 days	for stays over 90 days	for stays over 90 days
Assistance services 24/7

How to arrange Foreigners‘ Medical Insurance?

You can arrange Foreigners‘ Medical Insurance online from the comfort of your home.

Buy
online

You can arrange Foreigners‘ Medical Insurance

at PVZP and VZP CR sales points.

SALES
POINTS

Do you want a discount?

Discounts apply to:

students

children of parents already insured

other family members

groups

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Based on the assessment of health status before entering the insurance, the insured person's health condition may be evaluated by an assessor.

The premium may then be increased during the assessment process, and a discount may not be granted or may be reduced.

Useful links

Documents to download

Reporting an Insurance Event

Sales points of PVZP

Frequently asked questions

Do you offer Foreigners‘ Medical Insurance with coverage identical to public medical insurance in the Czech Republic?

Our Comprehensive Medical Insurance EXCLUSIVE is high quality medical insurance designed for foreigners. Its scope is identical to that provided under public medical insurance in the Czech Republic. e insurance benefit is subject to a limit per insured event, with the option of also taking out supplementary insurance for the event of hospitalisation and insurance of medical expenses

I am pregnant. What insurance should I arrange?

If you are pregnant, we recommend that you arrange Foreigners’ Comprehensive Medical Insurance PLUS or the Standard + Newborn version of the EXCLUSIVE insurance. The waiting period that would apply in the case of the Standard version shall not apply for this type of insurance in the case of payment for healthcare provided in connection with pregnancy

Can I visit any doctor or healthcare facility?

Clients should visit our contractual doctor and healthcare facility, except in case of the need for acute care.

I am planning to go to your branch and arrange Foreigners’ Comprehensive Medical Insurance PLUS for my wife (colleague, acquiantance, …), what will I need to bring with me?

If the client is not in the Czech Republic, he/she may be also represented by another person, a so-called policyholder (i.e. a person who concludes the insurance policy and pays the premium), during the arrangement of Foreigners’ Comprehensive Medical Insurance (hereinafter referred to as FCHI). In order to arrange the insurance policy, the policyholder must have his/her identity card and

Is the cost of medicines paid directly to the client under Foreigners‘ Medical Insurance?

A client pays for the medicines he/she purchases in a pharmacy by him/herself and subsequently requests the insurance company to reimburse him/her, but this is only possible if the payment was more than CZK 100.

Does Foreigners‘ Medical Insurance also cover sporting activities?

Depends on the type of insurance arranged and the type of sporting activities. In the case of Foreigners‘ Basic Medical Insurance, there is the option of arranging supplementary insurance for hazardous sports.

What should I do when I need to visit a doctor?

Please contact AXA Assistance, our assistance service, and follow their instructions. 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.

I am interested in vaccination against covid-19. Will vaccination be covered by my insurance?

At the moment, registration for vaccination in the Czech Republic is possible only for participants in public medical insurance. If the conditions change in the future, Pojišťovna VZP, a.s. will react, and under agreed conditions, vaccination will be covered by insurance.

I have arranged Foreigners´ Medical Insurance. Does my insurance also cover PCR tests and antigen testing?

PCS tests are covered only if they are prescribed by a hygiene station or by a doctor, we do not cover voluntary PCR testing. Voluntary PCR testing can be covered from “Premium healthcare services”, that is included in most foreigners´ comprehensive medical insurance policies. Antigen testing (that is free only for those insured by the

Is it possible to arrange supplementary insurance that would cover voluntary testing?

Voluntary testing can be covered by „Premium“ that is included in all insurance policies of Foreigners´ Comprehensive Medical Insurance PLUS. As for Foreigners´ Comprehensive Medical Insurance Exclusive, „Premium“ is included in most insurance policies arranged from 1. June 2020.

I have arranged Foreigners´ Medical Insurance. If I get ill with covid-19, will you cover all the care related to it?

Yes. All the acute healthcare related to covid-19 treatment is covered by Foreigners´ Medical Insurance of Pojišťovna VZP, a.s., including hospitalisation. Non-acute healthcare in connection with this illness will be covered by comprehensive medical insurance, within the scope of insurance terms and conditions.

I need a contract in English (for the embassy etc.), is that possible?

Yes, we will issue a certificate in English upon request from the policyholder.

Do you offer health insurance for foreigners identical to public health insurance in the Czech Republic?

Our insurance product Comprehensive Health Insurance EXCLUSIVE is a quality health insurance designed for foreigners. It is identical in scope to public health insurance. The insurance benefit is limited to a single claim limit and you can also take out insurance for hospitalisation and medical expenses insurance for the Schengen area.

Does health insurance for foreigners also apply to sports activities?

It depends on the type of insurance taken out and the type of sporting activities. In the case of the Basic Foreigners’ Health Insurance product, it is possible to add dangerous sports. For the insurance products Comprehensive Foreigners’ Health Insurance PLUS and Comprehensive Health Insurance EXCLUSIVE, sporting activities are included in the insurance (except for

Are medications covered directly by the client’s health insurance for foreigners?

The client pays for the drugs himself at the pharmacy and then asks the insurance company for reimbursement, which is possible only if the reimbursement is higher than 100 CZK.

I am pregnant, what insurance should I take out?

If you are pregnant, we recommend taking out Comprehensive Foreigners’ Health Insurance PLUS or EXCLUSIVE insurance of the Standard + Newborn type. For this type of insurance, the waiting period that would apply for the Standard type does not apply in the case of benefits for pregnancy and childbirth related medical care. In addition, this

Can I see any doctor or health facility?

Clients should see our contracted doctors and medical facilities unless it is for acute care.

What should I do if I need to see a doctor?

Please contact our helpdesk and follow their instructions. The helpdesk is available 24 hours a day, speaks all the world’s main languages, has an up-to-date list of our contracted doctors and medical facilities, can give a guarantee of reimbursement to the medical facility, etc. Contact details for the assistance service can be found on the

Is it possible to take out supplementary insurance that would also cover my voluntary testing?

Voluntary testing can be covered by the Excess Benefit, which is included in all contracts of the Comprehensive Health Insurance for Foreigners PLUS product. For Comprehensive Alien Health Insurance Exclusive products, the Excess Benefit is included in most contracts concluded from 1 June 2020.

I’ve taken out health insurance for foreigners. Does my insurance also cover PCR and antigen testing?

PCR testing is covered if prescribed by a health authority or doctor, voluntary PCR testing is not covered. Voluntary PCR testing can be covered under the Excess Benefit, which is already included in most Comprehensive Alien Health Insurance policies. Antigen testing, which has been declared free only for public health insurance policyholders under the aliens’

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