Types of insurance

Foreigners’ individual health insurance on the SR territory is negotiated in the following insurance types:

1. Comprehensive insurance – Type 1,
2. Work insurance – Type 2A, Work insurance RISK – Type 2B
3. Tourists’ insurance – Type 3,
4. Extended insurance – Type 4,
5. Sports insurance – Type 5,
6. Standard insurance – Type 6,
7. Pregnancy insurance – Type 7.

1. Comprehensive insurance (Type 1)

The Insurer covers the costs of provided health care and urgent health care. Divertly from Article 5 Section 4 letter c) GTC FIHI the Insurer covers also the costs incurred in connection with examination of the insured person which resulted in the confirmation of pregnancy.

Insured event is:

1. Change in the state of health of the insured person in consequence of:

a) An accident or disease occurred to the insured person on the SR territory during the insurance period,

b) An accident or disease occurred to the insured person outside of SR territory during the insurance period, providing fulfillment of the conditions set forth in Article 4 Section 2 GTC FIHI, if the changed state of health pursuant to letters a) and b) requires medical treatment during the insurance period.

2. Provision of health care, linked to prevention of changes in the state of health (prevention).

3. Provision of health care in connection with active and systematic monitoring of the state of health of the insured person whose state of health is expected to deteriorate, including his/her examination and treatment (dispensary care).

2. Work insurance (Type 2A, 2B)

The Insurer covers the costs of provided health care and urgent healthcare.

Divertly from Article 5 Section 4 letter c) GTC FIHI, the Insurer covers also the costs incurred in connection with examination of the insured person resulting in confirmation of pregnancy.

In the case of concluding Work insurance RISK type 2B, then - divertly from Article 5 Section 4 letter b) of GTC FIHI - the Insurer covers also the costs incurred in link with performing hazardous work.

Insured event is:

1. Change in the state of health of the insured person in consequence of:

a) An accident or disease occurred to the insured person on the SR territory during the insurance period,

b) An accident or disease occurred to the insured person outside of SR territory during the insurance period, providing fulfilment of the conditions set forth in Article 4 Section 2 GTC FIHI, when the change in the state of health pursuant to letters a) and b) requires medical treatment during the insurance period.

2. Provision of health care linked to prevention of changes in the state of health.

3. Provision of health care in connection with active and systematic monitoring of the state of health of the insured person whose state of health is expected to deteriorate, including his/her examination and treatment (dispensary care).

3. Tourists’ insurance (Type 3)

The Insurer covers the costs of provided urgent health care.

Insured event is a sudden change in the state of health of the insured person in consequence of an accident or disease occurred to the insured person on the SR territory during the insurance period which represents a direct threat of his/her life, without rapidly provided health care may seriously endanger his/her health, causes sudden and unbearable pain to the insured person or causes sudden changes in his/her behaviour and actions that influences direct threat of the insured person or his/her surroundings.

4. Extended insurance (Type 4)

The Insurer covers the costs of provided health care and urgent health care.

Divertly from Article 5 Section 3 letter a) and b) GTC FIHI the Insurer covers also the costs incurred in connection with:

a) Training, preparation for competition or participation in competitions in any sport disciplines,

b) Performing of work activity or employment of the insured. Divertly from Article 5 Section 4 letter c) GTC FIHI, the Insurer covers also the costs incurred in connection with examination of the insured person resulting in the confirmation of pregnancy.

Insured event is:

1. Change in the state of health of the insured person in consequence of:

a) An accident or disease, occurred to the insured person on the SR territory during the insurance period,

b) An accident or disease, occurred to the insured person outside of SR territory during the insurance period, providing fulfillment of the condition pursuant to Article 4 Section 2 GTC FIHI,

c) Chronic or recurrent disease with which the insured person had been accepted in the insurance, when this change in the state of health occurred to the insured person in SR during the insurance period,

d) Chronic or recurrent disease with which the insured person had been accepted in the insurance, when this change in the state of health occurred to the insured person outside of the SR territory during the insurance period and the condition pursuant to Article 4 Section 2 GTC FIHI was fulfilled, if the change in the state of health according to letters a), b), c) and d) requires medical treatment during the insurance period.

2. Provision of health care linked to prevention of changes in the state of health (prevention).

3. Provision of health care in connection with active and systematic monitoring of the state of health of the insured person whose state of health is expected to deteriorate, including his/her examination and treatment (dispensary care).

5. Sports insurance (Type 5)

The Insurer covers the costs of provided urgent health care. Insured event is a sudden change in the state of health of the insured person in consequence of an accident or disease occurred to the insured person on the SR territory during the insurance period which represents a direct threat of his/her life, without rapidly provided health care may seriously endanger his/her health, causes sudden and unbearable pain to the insured person or causes sudden changes in his/her behaviour and actions that influences direct threat of the insured person or his/her surroundings.

Divertly from Article 5 Section 4 letter a) GTC FIHI the Insurer covers also the costs incurred during training, preparation for competition or participation in competitions in any sport disciplines.

6. Standard insurance (Type 6)

The Insurer covers the costs of provided urgent health care. Insured event is a sudden change in the state of health of the insured person in consequence of an accident or disease occurred to the insured person on the SR territory during the insurance period which represents a direct threat of his/her life, without rapidly provided health care may seriously endanger his/her health, causes sudden and unbearable pain to the insured person or causes sudden changes in his/her behavior and actions that influences direct threat of the insured person or his/her surroundings.

7. Pregnancy insurance (Type 7)

The Insurer covers the costs of provided health care and urgent health care.

Divertly from Article 5 Section 4 letter c) a d) GTC FIHI the Insurer covers also the costs incurred in link with:

a) Pregnancy and childbirth,

b) Intensive care of the neonate provided during the insurance period, up to maximally 3.500 EUR.

Insured event is defined as:

1. Change in the state of health of the insured person in consequence of:

a) An accident or disease having occurred to the insured person on the SR territory during the insurance period,

b) An accident or disease having occurred to the insured person outside of SR territory during the insurance period, providing fulfillment of the condition pursuant to Article 4 Section 2 GTC FIHI,

c) Chronic or recurrent disease with which the insured person had been accepted in the insurance, when this change in the state of health occurred to the insured person on the territory of the Slovak Republic during the insurance period,

d) Chronic or recurrent disease with which the insured person had been accepted in the insurance, when this change in the state of health occurred to the insured person outside of the SR territory during the insurance period and the condition pursuant to Article 4 Section 2 GTC FIHI was fulfilled, if the change in the state of health according to letters a), b), c) and d) requires medical treatment during the insurance period.

2. Provision of health care linked to prevention of changes in the state of health (prevention).

3. Provision of health care in connection with active and systematic monitoring of the state of health of the insured person whose state of health is expected to deteriorate, including his/her examination and
treatment (dispensary care).

4. Provision of health care to the insured person and neonate during physio - logical pregnancy, childbirth and confinement (obstetrician assistance).