Travel medical insurance for long-stay visa must confirm to the following requirements:
coverage of costs associated with necessary and urgent health care, including the costs associated with transportation, including mortal remains in the event of death, and such insurance must not exclude providing an insurance payment 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.
coverage of up to the amount of at least 60,000 EUR;
cover the entire period of your stay in the Czech Republic (if not stated otherwise, eg. in the case of employment)
If a foreign national submits the application abroad, the travel health insurance can be taken out not only at an insurance company authorized to provide such insurance in the Territory of 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.
In the case the foreign national has already stayed in the territory of the Czech Republic and asks for extending the term of residence for a long-term visaor issuing a long-term residence permit in the Czech Republic or extending the validity of such permit, submitting a proof of travel health insurance is required to the application which 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.
If proof of insurance is not submitted, a visa cannot be granted.