Health insurance for the Czech Republic Zivno visa

Care Concept AG (Bonn, Germany) · Long-stay travel insurance

German long-stay expat product designed for Schengen long-stay visas, able to provide first-90-days travel-medical plus comprehensive cover.

• ✓ Contract terms from 3 months up to 5 years; max entry age 74 (Care Expatriate); Germans/Austrians abroad can re-extend repeatedly until their 74th birthday
• ✓ Home-country visits insured: 30 (Basic) / 45 (Comfort) / 90 (Premium) days per insurance year
• ✓ Official insurer FAQ states products generally meet Schengen visa requirements; instant online confirmation issued at booking and products are recognized by German authorities (>EUR 30,000 coverage)

SafetyWing (underwritten by SafetyWing Insurance I.I., Puerto Rico; Complete health portion by VUMI Group I.I.) · Nomad subscription

Schengen-30k-compliant subscription, but the visa expects comprehensive cover beyond 90 days and Czech consulates often require a locally-recognized insurer.

• ✓ Subscription model: Essential auto-extends every 28 days (5-364 days per policy) and can be bought while already abroad; coverage in 170+ countries
• ✓ No deductible on either plan; Essential also includes travel benefits (lost checked luggage, trip interruption, evacuation from local unrest)
• ✓ Complete is full health insurance (USD 1.5M/year) including routine and preventive care, mental health, cancer treatment and limited maternity; renewable for life if enrolled before age 64

Genki UG (policyholder/agent); underwritten by Squarelife Insurance AG, Liechtenstein · Long-stay travel insurance

Schengen-30k-compliant long-stay policy (EUR 1M), but Czech long-term-visa insurers are often required to be locally authorized.

• ✓ Up to EUR 1,000,000 medical coverage valid in every country for up to 12 months, with monthly billing and cancellation possible after the first month
• ✓ Sign-up is possible while already abroad and up to age 69; insurance certificate for visa applications and border checks is issued immediately after the first payment
• ✓ 24/7 emergency assistance (MCI Assist) with direct payment for inpatient hospital stays and no deductible on inpatient treatment

Cigna Healthcare (Cigna Global Insurance Company Limited) · International health insurance

Full international health plan for the entire stay, but Czech rules can mandate a Czech-market comprehensive insurer.

• ✓ Three core tiers with annual maximums of $1M/€800k (Silver), $2M/€1.6M (Gold) and paid-in-full with no overall cap (Platinum)
• ✓ No upper enrollment age (18+); insurer states it does not terminate policies based on age
• ✓ Modular design: outpatient, evacuation & crisis assistance, health & wellbeing, vision & dental can be added; deductibles ($0-$10,000) and cost shares (0-30%) reduce the premium