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

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.

Meagan

Expat Health Insurance Partners

Aetna International

Aetna is an award-winning insurance business that provides health benefits to more than 650,000 members worldwide. Their high quality health insurance plans are tailored to meet the individual needs of expats living and working abroad.

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Cigna Global

With 86 million customer relationships in over 200 countries, Cigna Global has unrivalled experience in dealing with varied and unique medical situations and delivering high standards of service wherever you live in the world.

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