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Travel medical insurance during a stay longer than 90 days

Non-EU citizens – application for a visa for a stay of over 90 days/application for a residence permit filed at a Czech Embassy

  • Proof of medical travel insurance is understood to be a document in which the relevant insurance company declares/confirms:
    • The period of insurance (insurance must cover the entire stay in the Czech Republic),
    • The extent of the insurance (the insurance policy must cover the costs that the foreign national is obliged to cover for the period of his/her stay in the Czech Republic in the event of providing necessary and urgent health care including the costs associated with transport or, in the case of his/her death, those associated with transferring his/her physical remains to the state that issued the travel document or to another state in which he/she has a residence permit),
    • The amount of the insurance benefit (the agreed insurance benefit limit for one insurance event must be at least EUR 60 000, that being without an insurance retention on the amount of the given costs).

The insurance policy must not exclude coverage for injuries and damage caused by the applicant´s intentional acts, injuries and damage caused by fault or contributory fault on the part of the applicant, and injuries and damage caused by the consumption of alcohol, narcotic and psychotropic substances by the applicant.

  • If it concerns insurance obtained abroad, along with the proof of travel medical insurance, the foreign national always submits an official translation of the insurance policy and its general terms and conditions into the Czech language. This proves the medical travel insurance policy has been taken out, above all its extent, the limit of coverage being EUR 60 000 and that insurance is taken out without retention and, upon request, a document on paying the insurance premium for an insurance policy for the entire period of the requested stay in the Czech Republic.
  • Upon request the foreign national is obliged to submit a document on having paid the insurance premium.
  • A document on medical travel insurance is not required from a foreign national who
    • contributes to public health insurance (e.g. if it concerns a stay for the purpose of employment, proof of medical travel insurance is only required for the period of entry until the beginning of employment), or
    • if the costs for health care covered on the basis of an international agreement, or
    • if the foreign national can show that health care is covered in another manner, that being on the basis of a written undertaking by a legal entity, if the foreign national’s stay in the Czech Republic is beneficial for developing spiritual values, protecting human rights or other humanitarian values, protecting the environment, cultural monuments and traditions, developing the sciences, education, physical education and sport, on the basis of a written undertaking by a state body or on the basis of an undertaking contained in an invitation verified by the Foreign police.

Non-EU citizens – application for a visa for a stay of over 90 days/application for a residence permit filed in the Czech Republic

  • When applying for a visa for a stay of over 90 days, if it is filed in the Czech Republic, or an extension of the stay period in the Czech Republic on this visa, equally in the case of an application for a long-term residence permit, if it is filed inside the Czech Republic, and in the case of extending a long-term residence permit, it must ensue from the proof of travel medical insurance that it has been arranged to the extent of comprehensive health care  with an insurance company that is authorised to provide its services in the Czech Republic.
  • Proof of travel medical insurance is not required from a foreign national who
    • contributes to public health insurance (e.g. if it concerns a stay for the purpose of employment, the document on medical travel insurance is only required for the period of entry until the beginning of employment), or
    • has the costs for health care covered on the basis of an international agreement, or
    • can show that health care is covered in another manner, that being on the basis of a written undertaking by a legal entity, if the foreign national’s stay in the Czech Republic is beneficial for developing spiritual values, protecting human rights or other humanitarian values, protecting the environment, cultural monuments and traditions, developing the sciences, education, physical education and sport, on the basis of a written undertaking by a state body or on the basis of an undertaking contained in an invitation verified by the Foreign police

EU citizens and their family members

Proof of travel medical insurance for an EU citizen and his/her family member, who is not an EU citizen, can be deemed to be:

  • European Health Insurance Card (EHIC)
  • A certificate temporarily replacing the European Health Insurance Card (EHIC)
  • A registration certificate
  • A card of an EU policy holder residing in the CR
  • A card of a policy holder living in the CR
  • One of the forms E 106, E 109, E 112, E 120, E 121

Instead of the aforementioned documents on health insurance, an EU citizen and his/her family member can also submit a different document that, in its scope, corresponds to the institute of travel medical insurance. 
 
List of insurance companies
A list of insurance companies authorised to provide their services in the Czech Republic can be found at the Czech National Bank web pages, to a specific date. The relevant categories in the listing of the types of subjects are:

  • Insurance companies and branches of foreign insurance companies
  • Foreign insurance companies and branches of insurance companies providing cross-border services in the CZE


We draw your attention to the fact that it concerns a listing of insurance companies authorised to provide their services in the Czech Republic.