Czech visa insurance

In accordance with the current visa agreements between Russia and the Czech Republic, citizens of the Russian Federation (as well as Ukraine and most of the CIS countries) are required to obtain a visa before traveling to the Czech Republic. The decision to issue a visa is made by the consular services after the applicant provides the required documents. A medical insurance policy is a mandatory document for obtaining most types of entry visas to the Czech Republic. Insurance is required to be provided together with other necessary documents to the Embassy of the Czech Republic in Moscow, one of the accredited visa centers or through the services of intermediaries.

Do I need to take out an insurance policy for a visa to the Czech Republic?

Citizens of Russia are required to have a valid insurance policy during the entire period of stay in the Czech Republic. Insurance verification is carried out by consular services when considering an application for a visa and by the police of the Czech Republic during passport control (at the request of the police).

The absence of insurance from a foreign citizen during his stay in the Czech Republic is a violation of the country’s legislation, entails the imposition of administrative sanctions and may lead to problems in subsequent obtaining visas to the Schengen countries.

The rules for insurance of Russian tourists traveling abroad are currently regulated by Federal Law No. 155-FZ of 2015. In accordance with it, every adult citizen of the Russian Federation is required to have an insurance policy with a coverage amount of at least 2 million rubles. for every trip abroad.

What insurance is suitable for a visa to the Czech Republic?

Insurance requirements for a Schengen visa to the Czech Republic (single, double and multiple entry visa category C):
The insurance must be valid throughout the Schengen area. The insurance rate must cover the following costs: emergency medical care, treatment of injuries and sudden illnesses that occurred in the Czech Republic, transportation costs for the transportation of the Insured to his homeland for medical reasons or his remains in case of death. The minimum amount of insurance coverage is 30,000 euros. The validity of the policy during the entire period of stay in the Czech Republic. The absence of a deductible in the policy (a fixed amount that is not covered by insurance when paying for medical expenses). services).

It is necessary to purchase an insurance policy and obtain an entry Schengen visa to the Czech Republic if you plan to travel for the following purposes:

Tourism;
Treatment;
Business trip;
Participation in cultural and sporting events;
Passage of short training programs;
Scientific research;
Working trip;
Guest visit on the basis of an invitation;
Tourist trip on the basis of ownership of real estate in the Czech Republic.

Insurance policy coverage requirements for a national visa to the Czech Republic category D:
The requirements for insurance for a national visa to the Czech Republic are more extensive than for insurance for a Schengen visa. The policy must have an insurance limit of at least 60,000 euros.
Also, the policy must cover the treatment of injuries received by the Insured in a state of alcohol or any other type of intoxication. Other requirements for insurance are similar to those for insurance for a Schengen visa.

Insurance must be purchased in cases where a trip to the Czech Republic is planned to be made for the following purposes:

Long-term training;
Travel for the purpose of family reunification;
Doing business in the Czech Republic;
Participation in sporting events.

How to choose insurance for a visa to the Czech Republic?

The Embassy of the Czech Republic in Moscow and visa centers accept insurance issued in accordance with the above requirements. The insured have the opportunity to include additional insured events in the policy, depending on the purpose and timing of the planned trip.

Tourist visa insurance requirements are standard.
For long (more than 1 month) trips, it is recommended to increase the sum insured up to 50,000 or 100,000 euros, because increased risk of needing repeated medical attention. If recreation is one of the main purposes of a trip to the Czech Republic, then it is advisable to include the risk of “playing sports” in the policy. In the absence of it, the insurance will not cover the treatment of injuries received during the practice of any sports or outdoor activities. Popular sports in the Czech Republic: tennis, football, hockey. Popular outdoor activities in the Czech Republic: skiing, swimming, cycling. If playing sports or active recreation is one of the main purposes of a trip to the Czech Republic, then the insurance must indicate the respective sport. Otherwise, consular services may refuse to issue a visa.

Insurance for multivisa to the Czech Republic

Insurance requirements are standard. The period of validity of the insurance for a double-entry visa must be no less than the duration of both planned trips to the Czech Republic. The insurance for a multiple entry visa may be valid during the first trip, and the applicant must sign an obligation to have insurance during each subsequent visit to the Czech Republic. For double and multiple entry visas to the Czech Republic, it is recommended to increase the limit of insurance liability to 50,000 or 100,000 euros, because frequent travel increases the risk of health problems, and the minimum insurance limit of 30,000 euros may not be enough for repeated requests for medical care.
For multivisa to the Czech Republic, it is advisable to purchase annual insurance with a certain number of insured days included in it. This will allow you not to issue a new policy before each trip, but to use one insurance throughout the year. In addition, as practice shows, the availability of annual insurance has a positive effect on the decision of consular services to issue multiple visas.
Examples of annual medical policies:
Annual policy with 30 insured days;
Annual policy with 60 insured days;
Annual policy with 90 insured days, etc.

Insurance for a visitor visa to the Czech Republic

Insurance requirements are standard. Visitor visas (visas by invitation) to the Czech Republic belong to the type of Schengen visas. For a guest trip, it is recommended to add the “civil liability” option to the insurance policy. If during the trip the property of a third party (car, personal belongings, property of an apartment or hotel, etc.) is unintentionally damaged, the insurance company will reimburse the costs.

Insurance for a student visa to the Czech Republic

Insurance requirements are standard. It is recommended to choose the maximum insurance limit for a student visa depending on the duration of the chosen educational program. For short courses (no more than 1 month), the basic insurance amount of 30,000 euros is usually sufficient. For a longer stay in the country for the purpose of studying, it is advisable to increase this limit to 50,000 or 100,000 euros, because. the minimum amount may be not enough with repeated requests for medical help.

Insurance for a work visa to the Czech Republic

The insurance requirements for a work visa are standard. If the received work visa belongs to the category of national ones, then the limit of insurance liability must be set at least 60,000 euros and the risk “assistance in the presence of alcohol intoxication” must be included in the policy. For a work visa, it is recommended to include the item “high-risk work” in the insurance. In its absence, the policy will not cover the treatment of injuries and diseases received during working hours. In particular, this rule applies to cases where the health problem that has arisen is not related to the performance of work duties.