FAQ

How to register with ZPŠ?

You can register at any ZPŠ contact place by submitting an identity document and filled out Personal Sheet.

What kind of medical care is paid for from the public health insurance plan?

Medical care that is fully paid from public health care insurance funds includes out-patient and in-patient care, urgent and emergency care, preventive care, dispensary care, provision of medicines, medical devices and dental products, balneal care, care in professional children's sanatoriums and convalescent homes, company-provided preventive care, transport of ill persons (if required by the insured person's medical condition) and reimbursement of travel costs, expert opinion activities (only to a certain extent), examination of deceased persons and autopsies. Insured persons contribute to the payment of the costs for certain procedures or medical devices that exceed the framework defined by law. For example, this includes certain dental procedures, a part of balneal care, and especially co-payment for some medications. Some medications are paid by insurance companies in full, while some of them are partly paid by a patient. Nevertheless, every group of medications has to contain at least one that is fully paid by an insurance provider; and for others, the doctor has to notify the patient in advance about his/her co-payment responsibility when picking the medicine up from a pharmacy. Costs of medications and medical devices in the course of in-patient care are paid in full. Medical care, to which public health insurance does not apply and that has to be paid directly, is defined by law. This concerns, for example, selected dental procedures or acupuncture.

Is it advisable to purchase travel insurance when traveling abroad?

Why is it beneficial not to rely only on the European Health Insurance Card (EHIC) and purchase travel insurance?
Czech insured persons should not rely only on the European Health Insurance Card (EHIC) when traveling abroad, because in EU countries, co-payment for treatment is not later reimbursed in the Czech Republic. They are not entitled to transportation back to the Czech Republic free of charge, and for medical care, they can only use medical facilities that are funded from public resources.

We provide foreign travel insurance in cooperation with the Vitalitas pojišťovna, a.s., insurance company. Insurance can be arranged online at www.vitalitas.cz.

INSURANCE OF MEDICAL EXPENSES ABROAD

Medical expenses cover the costs of medical treatment, hospitalization if necessary, and medications and other medical material necessary for the illness or injury. Sum Insured: CZK 5,000,000

Insurance includes:
Insurance of repatriation costs
Repatriation means return home via substitute transportation: ambulance, airplane, or even a special flight if it is not possible to use the originally planned transportation means to return home. Repatriation also includes transport of remains in case of death abroad. Sum Insured: CZK 200,000*
Insurance of costs for sending a caretaker
We're not just thinking about you, but about your children. That is why we insure the costs of sending for a caretaker. This insurance covers the costs to and from a foreign country, as well as accommodation costs if your child ends up abroad without help (e.g., if a child travels with a grandmother who is hospitalized abroad due to a sudden gall bladder problem). Sum Insured: CZK 50,000*

ADDITIONAL INSURANCE

Additional insurance can be arranged to supplement insurance of medical expenses abroad. It significantly reduces the consequences of damages that you might incur.
1. Additional Sports Insurance
Do you love skiing, mountain climbing or scuba diving? Insuring medical expenses may cover your travels, but don't forget about additional sports insurance! With this additional insurance, you'll be able to enjoy your passion for sport with peace of mind.
2. Liability Insurance
Liability insurance covers loss of life, health or property caused by the insured person to a third person abroad.

Sums Insured:
CZK 10,000,000* (loss of life or health)
CZK 10,000,000* (property damage)

3. Additional Accident Insurance
Insurance of permanent disability caused by injury
Unfortunately, some injuries cause permanent disabilities. To help you deal with these unexpected situations, we offer permanent disability insurance. Sum Insured: CZK 200,000*
Insurance for death resulting from injury
In the worst case, injury results in death. In such cases, we provide one-time indemnity. Sum Insured: CZK 100,000*
4. Luggage Insurance
We have prepared luggage insurance in the event of luggage loss, damage or theft. Sum Insured: CZK 20,000*

* The sums insured apply for Europe, the Mediterranean countries and for the rest of the world.

Daily insurance premium for ZPŠ clients in Europe and Mediterranean countries

Age range medical expenses (basic insurance premium) Additional Accident Insurance Health damage, property damage Luggage Insurance Additional Sports Insurance

0 - 17

CZK 10

+ CZK 5

+ CZK 5

+ CZK 5

+ CZK 10

18 - 69

CZK 14

+ CZK 5

+ CZK 5

+ CZK 5

+ CZK 14

70 und up

CZK 30

+ CZK 5

+ CZK 5

+ CZK 5

+ CZK 30

The price of a business trip is double the daily insurance premium.
 

Daily insurance premium for ZPŠ clients in the world (with USA / without USA)

Age range medical expenses (basic insurance premium) Additional Accident Insurance Health damage, property damage Luggage Insurance Additional Sports Insurance

0 - 17

CZK 30 / 20

+ CZK 5

+ CZK 5

+ CZK 5

+ CZK 30 / 20

18 - 69

CZK 42 / 28

+ CZK 5

+ CZK 5

+ CZK 5

+ CZK 42 / 28

70 and up

CZK 90 / 60

+ CZK 5

+ CZK 5

+ CZK 5

+ CZK 90 / 60

The price of a business trip is double the daily insurance premium.
 

How to pay the insurance premium?

 Payment of the premium

-   Via a money order issued by ZPŠ
-   Transfer to the ZPŠ account at ČNB, a.s.

Deposit slip at the ČNB, a.s., Cash Office
 
Transfer from your account  

Account No.:
2092101181/0710

Variable symbol:
personal identification number

Constant symbol:
558 (when making a transfer from account to account)
1379 (when paying cash)

Specific symbol: 
230 (for self-employed persons)
240 (for persons without taxable income)

Payment from abroad:
CZ67 0710 0000 0020 9210 1181

SWIFT:
CNBACZPP

What am I obliged to report to ZPŠ? 

The rights and obligations of insured persons are governed by Act No. 48/1997 Coll., on Public Health Insurance, as amended.

The insured person is obliged to report the following changes within specified periods to the health insurance provider:

Obligation to report within 30 days any change of 

Name and surname
Permanent residence
Personal identification number

Obligation to report within 8 days

1. Birth of a child

Legal guardian responsible for reporting duty. The child becomes an insured person of the insurance provider that was covering the child's mother on the day of the child's birth.

2. Beginning or end of the government's responsibility to pay insurance premium on behalf of an insured person in the following cases:

- Study (of a dependent child)

- Pension drawing (retirement, disability, widow/widower)

- Registration with the Employment Bureau

- Receipt of health insurance benefits by reason of a protective period

- Maternity leave (receipt of parental allowance)

- All-day, personal and regular care of a child up to 7 years of age or at least two children up to 15 years of age, even if the child is placed in a nursery school (daycare centre) for a period that does not exceed 4 hours a day (a caretaker, father or mother may not have income from employment or self-employment)

- Receipt of social security benefits because of social neediness (persons almost or completely helpless and persons caring for them, persons caring for a long-term seriously disabled child who requires exceptional care)

- performance of military service

- detention or imprisonment.

3. Beginning or end of the insured person's responsibility to pay insurance premiums:

- Self-employed persons – when changing a health insurance provider, a document on the amount of insurance premiums paid in advance calculated from an assessment base must be submitted to the new health insurance provider

- Persons without taxable income, i.e., insured persons, who are not self-employed and for whom insurance premiums are not paid by the government or an employer.


4. Commencement or termination of employment if an employer did not do so already.

Obligation to return an insurance card to the health insurance provider within 8 days and to report the following facts 

Change of health insurance provider
Long-term stay abroad (in accordance with Article 8 par. 4 of the aforementioned act)
Expiration of the health insurance coverage for the following reasons:

- Death of the insured person or his being declared dead

- Termination of employment of a person without permanent residence in the Czech Republic

- Termination of permanent residence in the Czech Republic