Last week the government discussed a parliamentary proposal regarding the new law, which regulates health insurance for foreigners from third-countries outside the EU.
If in the future the government approves a new law covering health insurance, the quality of health care provided to foreigners from third countries will be comparable to that under the public system.
The Chamber of Deputies, however, decided to keep the insurance to private sector to avoid overloading the public healthcare insurance system and therefore rejected the proposal.
Deputies´ decision implies that the indemnity of health insurance for foreigners should also cover risks normally borne by the public insurance product and thus reduce unenforceable debts of foreigners to health care establishments
Currently, health insurance for foreigners is governed by the Aliens Act and is being offered by five commercial insurers who are licensed in the Czech Republic: Slavia PVZP, UNIQA, ERGO and MAXIMA.
The current law enacts that third-country foreigners must take out Comprehensive Healthcare insurance for stays over 90 days. For now, the current regulation will remain unchanged. If a foreigner negotiates insurance abroad, the limit of indemnity should be at least 1.5 million CZK. Thus negotiated contract will, however, need to be translated into Czech.
In the Czech Republic the contract must be concluded with an insurance company licensed to provide health insurance in the country. In such case the limit of indemnity should be at least 3 million CZK per insurance claim.