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 Foreigners’ Medical Insurance
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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 for the Schengen area.

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 and birth. In addition, postnatal care for the newborn (from birth to a maximum of 3 months of age) is covered by this insurance, i.e. healthcare directly linked to childbirth without interruption of the period of hospitalisation.

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 the insured person‘s particulars: first name, surname, date of birth, passport number and address at which the insured will stay in the Czech Republic. When arranging the insurance, it is necessary to complete an insurance application form, including the insured person’s medical questionnaire.
  • If acting on behalf of another person, this questionnaire can be completed and signed only with the consent of the person being insured, who shall empower you to do so.

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

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 public medical insurance system) is not possible to cover. However clients can undergo testing as self-payers. In case clients have a valid insurance policy for foreigners´ comprehensive medical insurance with a stated limit for “Premium”, it is possible to ask for a refund for antigen testing up to the stated limit.

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 professional sports, which can be added).

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 insurance also covers postnatal care for the newborn (from birth to a maximum of 3 months of age), i.e. medical care immediately following the birth without interrupting the continuity of hospitalisation.

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 insured person's card.

I am going to go to your branch and arrange KZPC PLUS for my wife (colleague, friend, …), what will I need with me?

If the client is not located in the Czech Republic, someone else, the so-called policyholder (i.e. the person who concludes the insurance contract and pays the premium), may represent the client when arranging comprehensive health insurance for foreigners (hereinafter referred to as KZPC). The policyholder needs his/her identity document and information about the insured person to conclude the insurance contract: name, surname, date of birth, passport number and address where the insured person will be staying in the Czech Republic. In addition, you need to have a completed health questionnaire with a handwritten signature of the insured person or his/her legal representative in the original.

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' health insurance, cannot be covered. Clients can only undergo it as self-payers. If they have a valid comprehensive health insurance policy with a stated limit of Above Standard, then it is possible to claim reimbursement for antigen testing up to this limit.

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