Medical Insurance for Foreigners

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Current information from August 2, 2021

ERGO pojišťovna, a.s., hereby informs its clients who use the Welcome insurance product.

On August 2, 2021, the Act amending Act No. 326/1999 Coll., On the Residence of Foreigners in the Czech Republic, entered into force. The change concerns, among other things, the possibility to conclude the comprehensive health insurance for foreigners.

The change in the law will in no case affect clients who have concluded an insurance contract before August 1, 2021 (inclusive). We would like to assure our clients that during the insurance period specified in the insurance contract, we are ready to provide insurance benefits in accordance with the general insurance conditions.

There is no need to make any changes to your existing insurance policy.

Welcome insurance contracts concluded with the ERGO pojišťovna before August 2, 2021 are in compliance with the legal order of the Czech Republic.

Should our clients encounter a problematic approach on the part of state authorities or medical facilities, they can contact us via:

  • E-mail: info@ergo.cz
  • Phone: +420 221 585 111

We continue to monitor the situation and will inform our clients about any significant changes.

Information for the clients using the Welcome insurance can also be found in this document.

Why do you have to be insured?

It is mandatory for all foreigners, who are not covered by the Czech public medical insurance and who are not EU citizens, to get the insurance and it is also a precondition to get the Czech visa and to extend the stay in the Czech Republic.

The insurance is recognized by the Czech Ministry of Interior of the Czech Republic, department of asylum and migration policy, as a document in the sense of Section (§) 180i and Section (§) 180j of the Act No. 326/1999 Coll. on the residency of foreigners on the territory of the Czech Republic, as amended.

The continual assistance service is provided by GLOBAL Assistance: +420222 518 100.

Welcome Insurance covers proved costs which arose in the context of medical expenses related to COVID-19.

Indemnity limits

Tarif Welcome Komplex Prenatal Baby Dítě+ Standard Plus
Comprehensive health insurance {check} {check} {check} {check} - -
Total maximum limit 80 000 EUR 80 000 EUR 80 000 EUR 80 000 EUR 60 000 EUR 80 000 EUR
Medical transport 80 000 EUR 80 000 EUR 80 000 EUR 80 000 EUR 60 000 EUR 80 000 EUR
Repatriation of remains 80 000 EUR 80 000 EUR 80 000 EUR 80 000 EUR 60 000 EUR 80 000 EUR
Dental care in case of injury 6 000 Kč 6 000 Kč 6 000 Kč 6 000 Kč 6 000 Kč 6 000 Kč
Other dental care 6 000 Kč 6 000 Kč 6 000 Kč 6 000 Kč - 6 000 Kč
Outpatient prescription medication {check} {check} {check} {check} - {check}
Pregnancy care and delivery {check}* {check} {check} - - -**
Newborn care - - 300 000 Kč - - -
Assistance services {check} {check} {check} {check} {check}*** {check}
Preventive care {check}**** {check}****** {check}**** {check}***** - -
Dispensary care {check} {check} {check} {check} - -

* this does not apply for cases of acute threat to life
** pregnancy and delivery coverage shall be subject to waiting times of 3 and 8 months respectively
*** only for cases with cost exceeding CZK 5.000
**** up to limit set in Article 10, par. 6 of the General insurance terms and conditions
***** to the same extent as public health insurance in the Czech Republic 
****** the insurance does not apply to Article 10, par. 6, letters (a) and (b)