Another insurance provider is joining the platform that compares foreign health insurance offers: Vitalitas. It offers international clients both Necessary and Urgent Care Insurance and Comprehensive Health Insurance. The company benefits from the strong backing of the Industry Health Insurance Fund for Employees of Banks, Insurance Companies, and Construction (OZP), which is the third-largest employee health insurance fund in the Czech Republic and provides public health insurance.
What you will learn in this article:
What types of health insurance Vitalitas offers to foreigners
Why it is a good idea to use Vitalitas’s travel insurance as well
Who provides assistance services for Vitalitas
For Short-Term and Long-Term Stays: Everyone Can Choose
If your stay in the Czech Republic does not exceed 90 days, you can choose the Necessary and Urgent Care Insurance from Vitalitas. It covers:
- Required examinations and hospitalization.
- Acute dental procedures.
- Medications prescribed on an outpatient basis.
- Repatriation to your home country.
The maximum coverage limit for Necessary and Urgent Care Insurance is EUR 60,000 per claim, valid in both the Czech Republic and the Schengen area countries.
For stays longer than 90 days, it is necessary to purchase Comprehensive Foreign Health Insurance. How does it differ from Necessary and Urgent Care Insurance at Vitalitas? Among other things, it also covers:
- Preventive check-ups.
- Mandatory vaccinations.
- Long-term care in the event of a serious illness.
The amount of the insurance limit is also important. For Comprehensive Health Insurance, it reaches EUR 400,000, safely meeting legal requirements. However, if you travel, for example, to one of the neighbouring countries of the Czech Republic and something happens to you, the limit for the Schengen area, just like with the Necessary and Urgent Care Insurance, is a maximum of EUR 60,000.
Foreign students aged 15 to 26 who are heading to a Czech school or university can get insured very advantageously with Vitalitas. They receive selected supplementary insurance free of charge under certain conditions.
Trips Outside the Czech Republic? Don’t Forget Travel Insurance
It’s not just about work or study. During your stay in the Czech Republic, you will surely find time to travel, perhaps to one of the neighboring countries. Whether you have Necessary and Urgent Care Insurance or Comprehensive Health Insurance, the limit for the Schengen area will always be a maximum of EUR 60,000. That’s why it pays to take advantage of the travel insurance offer from Vitalitas. There are several attractive packages to choose from, where the limit for medical expenses can be up to CZK 25,000,000 (roughly EUR 1,000,000). Every package includes liability insurance, and you can optionally add supplements such as trip cancellation insurance, car assistance, and much more.
If you plan to travel more during your study or work stay in the Czech Republic and explore places and cities in Germany, Poland, or Slovakia, consider purchasing long-term travel insurance. With Vitalitas, you can opt for either a six-month or a yearly option (for 185 or 364 days). This way, you don’t have to worry before every trip across the Czech border about whether you have travel insurance arranged and if it protects you adequately. You can tailor the half-year or annual travel insurance to your needs and preferences, and travel or fly worry-free. Prices start from just CZK 4,625 (roughly EUR 190).
You Are Never Alone
Assistance services are an indispensable part of foreign health insurance. At Vitalitas, these are provided by Eurocross Assistance: 24 hours a day, 365 days a year, in several world languages. One of the regional branches of this Dutch company is located in the Czech Republic. Furthermore, Eurocross Assistance is part of the Astrum alliance of European assistance centres, collaborating with 100,000 partners in 180 countries.
The number of foreigners choosing Vitalitas health insurance for their stay in the Czech Republic is constantly growing. “This interest is obvious and not surprising. Vitalitas has come up with a great product, a perfect price-to-performance ratio, and professional assistance. It couldn’t have turned out badly. It’s a pleasure to have such a partner’s offer on our platform,” says Ladislav Griga, Head of Telesales at Fabrika ads, which operates the InfoCizinci.cz website.
Contracts for foreign health insurance serve as supporting documents for a visa application or a long-term stay application. The foreign health insurance comparison tool compares offers from INTER PARTNER ASSISTANCE (part of the AXA Group), Colonnade, and Vitalitas.
TIP: If you had commercial foreign health insurance from Vitalitas in the Czech Republic and are now switching to public health insurance with OZP, you can remain within the same group. This step offers you several advantages: a smooth continuation of the relationship, easy transition between insurance types, and the ability to start drawing on benefits and programs intended for OZP policyholders.
