A visa is required to travel to the Czech Republic because the country is a member of the Schengen Union. Obtaining a visa provides for the registration of medical insurance in the Czech Republic. It is no secret that medical services abroad are one of the most expensive, so purchasing a medical insurance policy will avoid the financial costs associated with treatment. The lack of a policy is a violation and later negatively affects the next visa application to any Schengen country. It is convenient to take out insurance to the Czech Republic online without leaving your home. How to do it? We have prepared a detailed material on the types of insurance policies and how to buy them.
What kind of insurance is suitable for a Czech visa?
When buying medical insurance to the Czech Republic for a Category C visa, the following conditions must be met:
- The policy must cover the entire Schengen area with an initial insurance coverage of 30 thousand euros.
- The amount of insurance compensation should provide expenses for an ambulance, recovery from injuries, an unexpected illness that arose during the trip; reimburse the costs of transporting the sick insured home (or the remains of the deceased).
- The policy (with the obligatory absence of a franchise) should apply to the entire period of stay in the Czech Republic.
To obtain a Category D visa, the initial amount of insurance compensation is 60 thousand euros, taking into account the provision of recovery from various injuries sustained in situations related to the use of alcohol or drugs. The more risks are included in the policy, the higher the insurance limit.
Together with the policy, an insert is issued with the company's phone numbers and instructions for interacting with the insurer. In no case should alcohol be abused during a trip (there can be no talk of drugs at all), because if such impurities are found in the blood, problems arise with obtaining compensation.
How to choose insurance for a visa to the Czech Republic
There are two types of health insurance, depending on the timing and purpose of the trip, that is, on the type of visa -
short-term and seasonal. When planning an upcoming trip for several days, a policy with a short-term validity (over 15 days + 15 days) is suitable. Staying for more than 1 month implies an increase in the compensation amount up to 50-100 thousand euros, taking into account more frequent requests for medical care.
Various insurance companies have several insurance programs:
- Program A - Minimum - provides reimbursement of transportation costs in the event of illness or death.
- "B" - Economy - one of the most common types of insurance, which provides for many insurance issues that require transportation and medical services.
- "Comfort", "Premium" - programs with a wide range of insurance coverage, including the visit of relatives to the sick person, financing of search and rescue activities, translation services, etc.
Insurance prices in the Czech Republic
Before contacting a particular company, you can first calculate the costs through the online service "Calculator" and roughly estimate, taking into account all the features of the trip, the cost of insurance. Factors affecting its size are listed below.
The following conditions affect the cost of the insurance policy:
- The choice of an insurer.
- The number of insured people entered into the policy. If among them are persons from 65 years of age and older, minor children, when paying the insurance premium, a coefficient of increase is used, which accordingly increases the cost of insurance.
- The amount of insurance compensation (from 30 thousand to 100 thousand euros). The larger it is, the more expensive the insurance; Moreover, if the costs exceed the specified amount, then the remaining amount is paid by the policyholder.
The presence of specifying points in the policy: "active rest", "civil responsibility", "sports activities", increase the cost. - Insurance for other risks such as seasonal exacerbation of a chronic disease, sports injuries, mountaineering.
- Duration of the insurance period. In the case of buying an annual medical insurance, its cost will depend on the number of people to be insured.
How to buy health insurance for a Czech visa online
In order not to go to the office of the insurer, not to wait in line, you can issue a medical policy quickly and without red tape in an online service that is available today to any company. To carry out this operation you need:
- Enter the actual data about the upcoming trip (indicate the country of stay, the duration of the voyage, the list of travelers and their age).
- Choose the optimal insurance rate (from 30 thousand euros to 100 thousand), suitable for the trip, indicate all additional risks (if any).
- Provide personal information on the people indicated in the insurance.
Make payment in one of the following ways:
- bank card
- online payment systems
- in cash at the offices of the insurer.
After that, the policy is registered with this insurance organization and is sent to the e-mail of the owner of the medical policy, who only needs to print it and attach it to other necessary documents drawn up for submission to the Czech consulate.
If there will be several trips per year, it is better to take out annual insurance: this will save money - insurance for a year is ultimately cheaper than several that are issued separately.
The best option would be a policy of the "Whole World" category, in which the financial compensation will be valid all over the world, except for the state of permanent residence.
Which insurance company is suitable for submitting documents to the Czech consulate
When choosing an insurer for medical insurance, you need to focus on the financial viability of the company, its legal status and, of course, the reviews of customers who have already used the service of one or another insurer. A list of accredited insurers is posted on the website of the Czech Consulate. You can get an idea of the reliability of the insurance company according to the following client rating. The rating is marked with points for 3 indicators on a 50-point scale: the number of complaints, the average rating of the read reviews; the ratio of the official answers of insurers to the credited reviews. The average rating is marked with stars, the highest rating is 5 stars.
1) "Intach-insurance" takes the leading place in the client rating: (out of 230 reviews, 135 were credited). Out of 5 "stars", 3 were marked, which testifies to the satisfactory reliability of the insurer. There were 194 replies to 230 reviews. In terms of total points, the company has 117 out of 150 possible.
2) Tinkoff-insurance company, which ranks second in the rating of clients: 148 out of 230 reviews were credited; all appeals were followed by the reaction of the company. It has 3 stars according to the rating, 32 problems were solved, the score is 115 points out of 150.
3) Zetta Insurance - the third place characterizing the company, with a sufficient share of responsibility related to the fulfillment of its obligations to the policyholders. Out of 196 reviews - 99 were recorded, 101 replies were given, 6 serious problems were solved. Rated 2.5 stars, has 109 points. Fear. funds - 1,196,320 thousand rubles.
4) Renaissance Insurance - the fourth place, marked with 2 stars, out of 1014 reviews 309 were recorded, 17 problems were solved, 514 answers were given. Collection of insurance funds 5,363,377 thousand rubles
5) Yugoria - ranked 5th according to the customer rating (103 points), 132 out of 391 reviews were credited, 138 responses were given (more reviews) - evidence of the high degree of responsibility of the company, marked with 3 stars. Insurance funds - 1,317,199 thousand rubles.
6) Liberty Insurance - rating 95 points, 2.5 stars, out of 257 reviews, 120 were credited, 132 responses were given to 120 reviews, 4 problems were solved - 6th place in the rating. The amount of insurance funds is 640,867 thousand rubles.
7) “Zhaso” company - 93 points, 2 stars, 96 out of 174 reviews were recorded, 72 responses were given to 174 reviews - 7th place in the rating. Insurance funds - 2,623,044 thousand rubles.
8) Armeets - 92 points, 2 stars, 27 out of 55 reviews were recorded, a positive reaction of the insurer - 19 times.
9) Alfa Insurance - 91 points, 220 out of 518 reviews were credited, 20 problems were solved, 183 times were responded to 220 reviews. The company's capital in terms of fees is 15,950,093 thousand rubles.
10) Ergo - 88 points, 2 stars, 35 out of 64 reviews, answered 14 times. funds - 14055116 thousand rubles.
11) Hyde - 85 points, 2.5 stars, out of 65 reviews 1 was credited, answers 10.
12) Ingosstrakh - 80 points, 2 stars, out of 458 reviews 181 were recorded, 12 problems were solved, 51 answers were given. Insurance fees - 21040803 thousand rubles. Insurance funds - 839 480 thousand rubles.
13) UralSib Insurance - 79 points, 1.5 stars, out of 1178 reviews 731 were recorded, 17 problems were solved, 701 answers were given. Judging by the number of answers and solved problems, the company is responsible and quite reliable. Funds - 1959,528 thousand rubles.
14) Bean Insurance - 75 points, 1.5 stars, 118 out of 807 reviews were credited, 594 replied, 4 problems solved.
15) MSC - 72 points, 3 stars, 110 out of 576 responses were registered, 244 responses were given.
16) IC "AIG" - 72 points, 3.5 stars, 15 out of 130 responses were registered, 244 responses were given, the latest data indicate active communication with policyholders.
17) VSK - 71 points, 1.5 stars, out of 784 responses, 290 were credited, answers - 89. Collecting insurance funds - 11539935 thousand rubles.
18) Reso-Guarantee - 67 points, 2 stars, 392 out of 833 reviews, 1 problem solved. Insurance fees - 19 million 424 thousand 133 rubles.
19) VTB Insurance - 67 points, 204 out of 413 responses were registered, 11 replies, 2 problems were solved. Collecting fear. Contributions - 12,484,731 thousand rubles.
20) Energogarant - 67 points, 2 stars, 47 out of 93 reviews, no answers. Insurance premiums - 2,997,426 thousand rubles.
21) Independence - 66 points, 1 star, out of 37 reviews credited. 30, answers given 11. Collection of insurance funds - 1,118,824 thousand rubles.
The well-known companies Sogaz, Max, Rosgosstrakh, Consent do not have a high client rating. However, in terms of insurance premiums, Sogaz and Rossgosstrakh ranked first in the 1st quarter of 2016. (59,232,911 thousand rubles and 29,462,617 thousand rubles, respectively).
What is an electronic insurance policy and can it be submitted to the consulate of the Czech Republic
Since 2011, Russia has introduced a system of electronic compulsory health insurance policies (MHI). It is planned to make this document in the future a single universal card with an unlimited validity period. It should replace the pension certificate of insured persons and will be issued once for life.
The replacement of old samples of policies will be gradual. A citizen has the right to independently choose an insurance company; to obtain a single electronic policy in the form of a plastic card, the following documents are required:
- Insurance company selection application
- Passport (photocopy)
- SNILS (photocopy)
- Photo
But such an electronic compulsory medical insurance policy of a single sample cannot be applied for a visa to the Czech Republic. In this regard, it is now becoming very popular to issue a health insurance policy for applying for a visa to the Czech Republic via the Internet. It is very convenient, fast and reliable: each company is interested in more customers.
