Insurance on the road
Written by: René Jakl
Photo by: Ivan Malý
These days, hardly anyone dares to
go abroad without health insurance. Just a broken leg with a small
operation and two days hospitalization could cost as much as CZK
400,000 in the USA. The following brief information may be useful
for you, whether you have just returned from vacation or you are
planning one soon.
It might sound like a banality, but the most important thing to
know is if you are insured and against what. Many people think having
a credit card account containing travel health insurance is sufficient,
but for the most part, this coverage is likely to either exclude
some common activities such as alpine tourism and skiing, or the
settlement limitations are not high enough. American Express and
Diners Club cards, which provide high quality insurance, are exceptions.
The article was prepared with the use of information provided
by Internet Info, which operates Měšec.cz
You could also be insured already without even knowing it. Either
your local health insurer has a private contract with a foreign
partner in the place of your destination, or insurance is guaranteed
through international bilateral agreements. For example, such agreements
have been made with the U.K., Poland, and Hungary, as well as such
countries as Afghanistan, Yemen and Mozambique. However, experts
recommend not relying too much on international agreements. Theoretically,
insurance for the cost of treatment is not necessary in a country
where the medical care is less expensive than in the Czech Republic.
The domestic health insurance office is always obligated to provide
its clients with financial compensation in the amount equal to what
the treatment would cost here. So if you decide on classic, additional
insurance with a broker, it is always worth it to carefully read
the terms and conditions, even if it is three pages of fine print.
Special attention must be paid to the various exceptions and limitations
(only Allianz offers travel health insurance without limits).
Besides insurance for health care costs, brokers also offer insurance
in the case of death or permanent injury. Insurance on your own
health is certainly the most important, but don't forget that it
is possible to arrange additional insurance against other risks
related to traveling. Baggage insurance, liability insurance and
cancellation insurance are among the most common.
We welcome feedback for matters of legal advice
which are particularly interesting for you. Please submit suggestions
to The Prague Tribune (Legal Labyrinths Column), Na Maninách 7, 170
00 Praha 7, or to firstname.lastname@example.org.