FAQ

Frequently Asked Questions

1. Does Hamilton Hudson insurance satisfy the Requirements for a Czech Visa or Residency Permit?

Yes. All  plans,
Bronze, Silver and Gold are accepted under Act No. 326/19999 'Komplexní zdravotní pojištění cizinců'



2. What is the Cancellation Policy?

Once coverage takes effect there are NO Refunds or Cancellations unless you upgrade to better coverage.

If you cancel your Insurance Policy before the start date, you will receive a 80% refund.

If you cancel your Insurance Policy within the first two months, you will receive an 80% refund



3. There are both Private and Public Health Insurance in Czech Republic which one is for me?
If you are Self-Employed, a Business Owner, Student, Retiree or a Family Member of a Legal Employee of a Czech company, you must purchase Private Health Insurance.

If you are a Legal Employee of a Czech Company, you are REQUIRED to enroll in Public Health Insurance with your employer. If you have family residing with you they MUST purchase Private Health Insurance.




4. Why is there both Private and Public Health Insurance and how do they differ in the Czech Republic?
In 1995, the Parliament of the Czech Republic enacted legislation regulating how foreigners must obtain Health Insurance in the Czech Republic and created a segregated "Private" Health Insurance regulation for covering foreigners residing in the Czech Republic.

 

ONLY FOREIGNERS ON A VALID WORK PERMIT, working under a legal employment contract with a company registered in the Czech Republic, may enter the "Public" Health Insurance System, which is state-subsidized. ALL OTHER FOREIGNERS, INCLUDING FAMILY MEMBERS of legal employees, MUST purchase "Private" Health Insurance.

 

This segregation was put in place to avoid the practice of "Medical Tourism”, which is causing a catastrophic effect on the health budgets of other Western countries who allow foreigners into their "Public" Health Insurance System, since "Public" Health Insurance covers pre-existing conditions and "Private" Health Insurance does not.

 

This legislation was enacted to prevent foreigners with major illnesses from coming to the Czech Republic for treatment and taking advantage of the "Public" Health Insurance System at taxpayer's expense.

 

 

 

5. How do I purchase Health Insurance on-line?

Apply and Pay. Click Here



6. How do I use Health Insurance in the event of illness or injury in the Czech Republic?
Please Click Here and follow the instructions.



7. Can I Pay in Installments?

Unfortunatelly not. By law, proof of full pre-payment is required covering the term (# of months) of your visa or residence permit.



8. I would like to Renew or Extend my Insurance. How do I do this?

     1) Please Contact Us at office@hamiltonhudson.cz Include your full name and the answers to the following questions:

​     2) Do you wish to remain on the same plan or upgrade?
     3) If there are any changes in your personal information, please Contact Us as soon as possible.




9. How should I choose the Start Date and End Date of my Insurance?

If you need this insurance to satisfy the Requirements for your Visa or Residency Permit, make sure the Start and number of months you select meet or exceed the desired Start Date and End Date of your Visa or Residency Permit.




10. What is the earliest possible Start Date?

Silver and Gold Plan – the day after payment. Bronze Plan – the date of payment




11. Is purchasing Maternity Coverage important?

Absolutely. For applicants who are already pregnant, we offer optional Maternity Coverage. Selecting this valuable option will guarantee full coverage for a newborn child as well as the delivery up to a maximum of 300.000 Kč and will also cover any unexpected birth related complications or any additional hospital and medical expenses should the newborn have unexpected medical issue. These costs can be prohibitive! Selecting this option will also protect you from these potential costs.




12. Is a Medical Examination required to qualify for this insurance?

No. All you need to do is answer the medical questions on the application. The only exceptions are if you are applying for Maternity Coverage or Gold Plan EXCLUSIVE.



13. Can I Apply if I am not yet in the Czech Republic?

Yes. You may apply online and receive your documents from anywhere in the world.




14. My Visa Deadline is approaching and the Embassy or Consulate needs my Health Insurance Documents immediately. How can you help me?

VZPforForeigners can send electronic copies of your Health Insurance Documents directly to your Embassy or Consulate. You may request this on the Application Form.

 

Please be sure to fill out all of the related fields on the application to ensure speedy delivery.




15. How can I Pay?

We accept Visa, Mastercard, AmericanExpress, PayPal and Western Union. We also accept cash payments and bank transfers from anywhere in the world or in person at our English-Speaking office or at any branch of Raiffeisen Bank in the Czech Republic However, we MUST receive full payment before we can issue your insurance documents.




16. What is the fastest way to receive my Health Insurance Documents?

In addition to emailing your documents directly to any embassy or consulate, we can also sent your documents by DHL Express (at your expense).

You may also collect your documents in person at our Prague office - BY APPOINTMENT ONLY!

 

For Fastest Service: Please complete the online application form - "Apply and Pay", you will be receive an email with a secure payment portal where you can pay by credit card or debit card. Once payment is received, you will receive a payment confirmation email, followed by electronic copies of your insurance documents within 24-hours of payment.




17. How long will it take for me to get my Health Insurance Documents?

Your insurance documents will be issued electronically within 24 hours of payment. We will mail you the original documents by standard mail for no additional fee. Please allow 4-6 days for delivery. If necessary, your documents can be sent by overnight courier for an additional fee. For international mailing we use DHL for an additional fee




18. I’m a Student in the Czech Republic. Can I receive a Discount?

Yes. We offer a Student Discount to students ages 15-26 Yrs., provided that you can produce a letter confirming your enrollment from Czech University or Academic Institution. Emergency coverage for Schengen zone is automatically included.




19. Is Dental covered?

Emergency dental at hospitals is covered; up to 5,000 CZK. There are no routine dental insurance plans available from any insurance company in the Czech Republic.




20. Is Vision Care covered?

Yes and No. Expenses associated with corrective lenses, such as eyeglasses and contact lenses, are not covered. However, any diseases or malfunctions of the eye, treated by an ophthalmologist, are covered (ie. eye infection, cataracts, etc.)




21. What does Schengen Emergency Coverage mean?

Certain visas require Schengen Zone Coverage in addition to Comprehensive Health Insurance Coverage for the Czech Republic. All of our plans include coverage for health emergencies that occur while the insured is in any of the Schengen Zone countries of the European Union. However, medical expenses will be reimbursed ONLY according to the Medical Fee Schedule used in the Czech Republic for the same procedures and NOT according to the local cost.

The maximum limit is 60,000.€ .
If you are a frequent traveler outside of the Czech Republic, you should strongly consider the Gold Plan.



22. Which countries are in the Schengen Zone?

Belgium, Czech Republic, Denmark, Estonia, Finland, France, Italy, Latvia, Lithuania, Luxembourg, Hungary, Malta, Germany, the Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain and Sweden and Iceland, Liechtenstein, Norway and Switzerland




 

23. I lost my Insurance Card. How do I replace it?

Please Contact Us. Include your full name in the E-mail. We will send you a replacement card by email within hours and we will mail your new laminated card to your address or you may pick it up from our office at any time. In the event of an emergency, we will verify your coverage on your behalf with hospital admissions or your doctor.





24. How do I get reimbursed for Prescription Medical Expenses?

Prescription drugs are reimbursed only if each prescription is more than 100.Kč prescribed by a doctor by submitting this Claim form


25. Where do I get a Claim Form?

A Claim Form was included with your insurance documents. If you need another copy, please Click Here.

 

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