- 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 of Foreign Nationals is intended, in particular, for those staying in the Czech Republic in the long term and interested in comprehensive medical care in contractual medical facilities without direct reimbursement of the cost of treatment. Within this insurance, it is possible to take out additional insurance of pregnancy or additional insurance of a child up to one year of age. Insurance of Necessary and Urgent Care applies only to acute treatment and is predominantly sought after by those planning to stay in the Czech Republic for less than 3 months.
- Are there any situations not covered by this insurance?
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This insurance does not apply to the so-called health tourism (i.e. the intentional travel to the Czech Republic for the purpose of drawing healthcare), where a person is party to the public health insurance of the Czech Republic, and to illnesses and injuries suffered prior to the conclusion of the insurance contract. The insurance does not apply to acts which are not recognized as common medical practice or not recognized pursuant to the laws, to damage caused intentionally, to harm suffered as a consequence of breach of a medical procedure, or in the case of fault or contributory fault. The insurance does not cover damage events (except injuries) arisen as a consequence of consumption of alcohol, drugs or other toxic substances, physiotherapeutic care which is unnecessary to remove immediate health complications, and cosmetic and aesthetic surgeries which 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 annual and longer contracts and covers damage to health and life, property damage, harm to an animal, including the cost of veterinary treatment of an injured animal, and non-property harm caused by an unauthorized intervention in the right to protection of personality.
- 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, there is. Maxima pojišťovna offers these women Pregnancy Insurance as additional insurance within Comprehensive Health Insurance of Foreign Nationals. This insurance is intended for pregnant women between 16 and 50 years of age and offers three options: Pregnancy – covers all pregnancy check-ups and everything related to childbirth; Pregnancy Basic - covers everything related to pregnancy, childbirth, and post-natal care for a new born, with an insurance benefits limit of CZK 100,000; Pregnancy Plus – provides a higher limit than Pregnancy Basic. More detailed information can be obtained at any of Maxima pojišťovna‘s branches.
- I have a child less than one year old. Can health insurance be arranged for him or her?
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Yes, it can. For infants between 0 and 12 months, Maxima pojišťovna has prepared additional insurance called Baby. This insurance covers not only comprehensive healthcare but also all preventive check-ups of your child. More detailed information can be obtained at our branch Maxima pojišťovna a. s., Italská 1583/24, 120 00 Praha 2 – Vinohrady.
- 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. .
