- What is the difference between Comprehensive Health Insurance of Foreign Nationals and Insurance of Necessary and Urgent Care of Foreign Nationals?
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Comprehensive health insurance for foreigners is intended mainly for those who are staying in the Czech Republic for a long period of time and are interested in comprehensive medical care in contracted medical facilities, usually without direct payment of treatment fees. It is possible to take out additional insurance for pregnancy and childbirth under this insurance. Necessary and urgent care insurance covers only acute treatment and is mainly sought by those who plan to stay in the Czech Republic for up to 3 months.
- Are there any situations not covered by this insurance?
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This insurance cannot be applied in the case of so-called medical tourism (i.e. deliberate travel to the Czech Republic for the purpose of receiving medical care) at the moment when the individual is a participant of the public health insurance of the Czech Republic, and it cannot be applied to illnesses and accidents that occurred before the conclusion of the insurance contract, except for the Exclusive variant, which is not subject to this restriction. Furthermore, the insurance does not cover procedures that are not medically or legally accepted, nor does it cover damage caused intentionally, damage caused by a violation of a medical procedure or in the case of fault or complicity. The insurance does not cover damages (accidents are an exception) resulting from the ingestion of alcohol, drugs and other psychotropic substances, physiotherapy treatment that is not necessary to eliminate immediate health complications, and cosmetic and aesthetic operations that are not part of the treatment.
- Liability insurance of foreign nationals is part of comprehensive health insurance of foreign nationals. Who is this insurance intended for and what does it cover?
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This insurance is an automatic part of contracts taken out for a year or more and covers injury to life and limb, property damage to property or an animal, including the cost of veterinary treatment for an injured animal, and consequential property damage (consequential financial loss)
- Can my partner take out this insurance for me?
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Yes, it is possible. The person taking out the insurance will be stated as the policy holder in the contract and the person in the name of whom the contract is concluded will be stated therein as the insured. To conclude the contract, the policy holder needs to submit his identity document and information on the insured (the insured's full name, date of birth, nationality, passport number, and address of stay in the Czech Republic).
- Is a foreign national obliged to have health insurance taken out in the Czech Republic?
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Yes, he is. There are two types of insurance a foreign national may choose from: public health insurance or commercial health insurance. The Czech public health insurance applies to persons irrespective of nationality with a permanent address in the Czech Republic and to persons without a permanent address in the Czech Republic, but employed with a company seated in the Czech Republic. If a person does not meet either of the conditions, he must arrange commercial health insurance. Both types of insurance are eligible for the issuance of visa.
- I am a foreign national living in the Czech Republic and planning to get pregnant or being pregnant. Is there an insurance option for me?
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Yes, Maxima insurance company offers these women Comprehensive Health Insurance Premium. This insurance is designed for pregnant women between 15 and 50 years of age and covers the cost of standard medical procedures related to the insured's follow-up at a pregnancy clinic and subsequent delivery at the insurance company's contracted medical facility. At the same time, it offers a limit of benefits beyond the standard health care provided in a pregnancy clinic up to CZK 3,000, the so-called Pregnancy Package. For more information, please contact the Maxima insurance company branch.
- I have a child less than one year old. Can health insurance be arranged for him or her?
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Insurance company Maxima offers insurance for children from the age of 1 year.
- Health insurance of foreign nationals can be arranged online. How does it work?
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In this case, the insurance contract is considered as concluded after the insurance premium is paid. You will receive all necessary documents at your e-mail. The process of concluding the contract is simple. Just follow the instructions on the website in the language that suits you most (Czech, English, Russian, Chinese, Vietnamese, and Spanish).
- How can I change or correct my data in the contract?
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If you need to change or correct your data in the contract, you have to fill in the Request for a Change in the Insurance Contract for Health Insurance of Foreign Nationals and send it to the insurance company’s address Maxima pojišťovna a. s., likvidace pojistných událostí, Italská 1583/24, 120 00 Praha 2 – Vinohrady, by e-mail to info@maxima-as.cz, or through your agent.
- Based on what grounds can the insurance expire?
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Health insurance of foreign nationals may expire for several reasons, such as the expiry of the insurance period specified in the insurance contract, death of the insured, termination of the insured’s stay or his expulsion from the Czech Republic, obtaining of public health insurance, or withdrawal from the insurance contract. These situations are specifically described in the General Insurance Conditions.
- How can I terminate the contract?
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In such case, it is necessary to fill in the Request for a Cancellation of the Health Insurance Contract. Please send the completed form by e-mail to info@maxima-as.cz, in writing to Maxima pojišťovna a. s., Italská 1583/24, 120 00 Praha 2 – Vinohrady, or through your agent. .
