Choose the Best Medical Plan for Expatriates based on Your Requirements

Posted by Alzbeta berka on March 6th, 2018

When you plan to travel to Czech Republic for business, job or academic purposes, you need to purchase a health plan to get the approval for your Visa. An expat policy is the best way to protect your health, as it offers exclusive coverage for medical expenses at varying costs. However, it is vital to carefully check the regulations of this country before you apply for an expat policy.

These policies are obviously more expensive than a government-aided plan. However, a public medical insurance is only available to the EU citizens. If you are not an EU citizen, then it is mandatory for you to invest in a private medical plan according to the rules of this country. The private medical plans give you more options in comparison to a public plan which is the major benefit of these health plans despite the higher premiums. These plans do not prohibit you from visiting a handful of doctors unlike the public policies and they are also accepted in a higher number of healthcare facilities when compared to the public plans.

Global Coverage

The majority of the expat medical plans offer global coverage which becomes beneficial when you are supposed to travel to multiple foreign countries to satisfy your professional necessities. The public plans can cover your medical expenses when you live in a specific country. However, you need to apply for a private plan every time you travel to another country. Having a private medical policy can save you from this hassle and can keep you safe anywhere. You may keep an expat health insurance in Czech Republic even if you have a public medical policy as an EU citizen or as the employee of an EU employer. A private policy gives you additional protection whilst a public policy takes care of basic medical expense.

It is essential to research in details before investing into a private policy. You can make an informed decision after learning about the country-specific regulations regarding the medical plans. This knowledge can help you determine the suitability of a plan based on your requirements and budget.

Varying Premium Amount

It may seem expensive to maintain a private medical plan in comparison to the public policies. However, the private policies are available with varying premium amounts. It is prudent to thoroughly check the amount of ‘premium’ before making any investment due to this reason. One policy may cost you 9000 Korunas whilst another plan may cost you 27000 Korunas. This huge difference in the amount of ‘premium’ also reflects in types of facilities you receive. Hence, you have the chance to select the best health insurance for foreigners depending upon your budget and requirements when you buy a private policy.

Alongside the types of facilities, the amount of premium also depends upon the length of a policy. You receive a discount when you purchase a long-term policy, as the insurance companies invest the amount of premium in the market. The long-term policies let them invest the money for an extended period and they offer a discount on these policies due to this reason.