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Foreigners’ Medical Insurance

Foreigners’ Comprehensive Medical Insurance PLUS

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High quality foreigners’ medical insurance from Pojišťovna VZP, a. s., the market leader

Comprehensive insurance for foreigners designed to protect their health by providing a high quality medical and assistance service. This insurance complies fully with the valid legislation governing foreigners’ residence in the Czech Republic and is accepted by the Department of Migration and Asylum Policy of the Ministry of the Interior

Benefits

No need for an initial medical examination

Free assistance services

Possibility of additional insurance for professional sports

What does the insurance contain? What does the insurance cover? How to arrange story from life Discounts Useful links Frequently asked questions Contact form

What does the insurance contain?

Unique medical insurance for foreigners, the scope of which corresponds public medical insurance
Payment for preventative and dispensary healthcare, including care related to pregnancy and childbirth, and for acute dental care, outpatient medicines and medical devices prescribed by a physician
There is no need to undergo an entrance medical examination, save for ”Newborn Baby“ supplementary insurance
Option of arranging ”Newborn Baby“ supplementary insurance, which includes the payment of costs incurred in the event of post-natal care for the insured mother’s newborn baby
Non-stop assistance services provided by AXA ASSISTANCE, a renowned provider
Can be arranged for a period ranging from four to 60 months
The amount of the insurance benefit limit is CZK 10 million per insured event

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What does the insurance cover?

Payment of the costs of healthcare provided by healthcare facilities in connection with an illness or accident. The scope of the insurance, including exclusions, is stated in the terms and conditions of this insurance
Payment for preventative and dispensary healthcare, including care related to pregnancy and childbirth, and for acute dental care, outpatient medicines and medical devices prescribed by a physician
Option of arranging ”Newborn Baby“ supplementary insurance, which includes the payment of costs incurred in the event of post-natal care for the insured mother’s newborn baby
Option of arranging supplementary insurance for professional sports
Option of arranging supplementary insurance for medical expenses in the so-called Schengen area
In addition to the framework of the insurance, you can use the following premium services:
- Preventive examination to determine the current state of health
- Examinations and check-ups to determine a particular illness (e.g. laboratory blood test, prostate examination, melanoma examination)
- Dental hygiene

How to arrange Foreigners‘ Medical Insurance?

You can arrange Foreigners‘ Medical Insurance online.

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You can arrange Foreigners‘ Medical Insurance at Pojišťovna VZP, a. s., and VZP ČR sales points.

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Insurance for wife

When I received information from the company that I would be transferred from India to the Czech Republic, my wife and I were excited to live in Prague. My employer notified me to take out health insurance for my wife. I thought to myself that we are healthy, so what could happen, but the woman finally convinced me, because even a healthy person can break a leg. So I took out comprehensive health insurance for my wife, and I did well. In addition, not long after arriving in the Czech Republic, my wife became pregnant and, thanks to health insurance, she was provided with health care throughout the pregnancy, the subsequent birth and postpartum care for our baby. We didn’t pay anything, our insurance company paid everything.

Raj, 29 years old

Examples from life

Are you a student?

Students between 15 and 30 years of age (with proof of education) can apply for a discount.

Discount

for students aged 15 to 30

Useful links

Documents to download

Sales representatives

Reporting an Insurance Event

Sales points of PVZP

Application / Notification

Frequently asked questions

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.

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

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