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Czech health insurance

New requirements for the proof of health insurance

When applying for a long-term visa or long-term residence permit, proof of health insurance is required.
Such insurance must cover costs associated with necessary and urgent health care, including the costs associated with transportation and must include cover in the case of accident caused by a willful act, negligence or contributory negligence of the insured, even as a result of drinking alcohol, taking narcotics or psychotropic drugs by the insured and must include cover for the repatriation of a the persons body. The amount of the insurance payment limit must be at least EUR 60,000.00.

Health insurance can be taken out not only at an insurance company authorized to provide such insurance in the Czech Republic, but also at an insurance company which is entitled to provide such insurance in the other member states of the European Union and/or in a state which is bound by the Treaty on the European Economic Area (Iceland, Lichtenstein, Norway), or in a state where the foreign national is a citizen or where he/she has a permitted residence. In such cases, the foreign national is obliged to submit an officially authenticated translation of the insurance policy and general insurance terms and conditions to Czech together with the proof of travel health insurance. Upon request, he/she shall also submit a proof of the payment of insurance premium for the whole term of required stay in the Territory.

When extending a long-term visa or issuing a long-term residence permit inside the CR, submitting proof of health insurance is required.
Insurance can only be taken out at an insurance company authorized to provide such insurance in the Territory of the Czech Republic and it must be taken out in the scope of complex healthcare.

A foreign national is not required to submit a proof of travel health insurance if he/she is a participant in the public health insurance or if the payment of costs of healthcare is paid on the basis of an international treaty, or if the foreign national proves that healthcare is paid in a different manner (i.e. on the basis of a written undertaking of a legal entity if the foreign national´s stay in the Territory of the Czech Republic is beneficial for the development of spiritual values, protection of human rights and/or other humanitarian values, protection of the environment, cultural monuments and traditions, the development of science, education, sport or on the basis of a written undertaking of a state authority and/or on the basis of an undertaking contained in an invitation authenticated by the Police).