Expert Info

Posted by davidoutwest
on 29 Aug 2019

I'm applying for a long-term visa (6 months) for the Czech Republic. I need to purchase travel medical insurance and provide the Consulate with a copy of whatever policy I purchase -- and I must buy a policy that meets Czech legal requirements. According to the Consulate's web site, the policy 

  •  must cover all the costs associated with necessary and urgent health care, including costs associated with transportation, including transportation of mortal remains in the event of death, and insurance must not exclude providing 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.

Not surprisingly, I've discovered US insurance companies, naturally, DO exclude payments for accidents caused by drinking, taking drugs, etc. Have any of you found insurance policies that DON'T include such exclusions? (I assume they must exist, since more and more people work in the Czech Republic each year.) Thank you!

Meagan on 30 Aug 2019 - 08:01

Hi David,

I think your best bet would be to look into international insurance companies who have experience covering expats. Cigna, Aetna and Bupa are all good options to look into. For more info and quote comparisons, you can take a look at some of our recommended expat health insurance companies.

Hope this helps. Best of luck with the move.


Expat Health Insurance

Cigna Health Insurance -

Cigna Global

If you’re thinking about taking out private health insurance, our trusted partner Cigna Global is very aware of all the difficulties that expats can face when it comes to healthcare in a new location, so they have created a range of international health insurance plans specifically designed for expats, which you can tailor exactly to the needs and ensure access to quality care for you and your family.

Get a quote from Cigna Global

Moving Companies

Sirelo logo

Moving Internationally?

Sirelo has a network of more than 500 international removal companies that can move your furniture and possessions to your new home. By filling in a form, you’ll get up to 5 quotes from recommended movers. This service is free of charge and will help you select an international moving company that suits your needs and budget.

Get your free no-obligation quotes now!