During your studies in the Czech Republic, you are covered for the medically necessary treatments in the case of illnesses and accidents. A 24/7 assistance program is included, as well as search & rescue, repatriation to the home country.
This insurance is required for foreign students who wish obtain the student visa for Czech Republic
All foreign students around the world who study in Czech Republic.
You can change your address by simply connecting to your customer account or using MySwisscare app on iOS or Android.
If a medical treatment is necessary, you can fix an appointment with a general practitioner or a specialist. For such outpatient treatments, you have to pay in advance your medical fees and then request the refund through your customer account or your MySwisscare iOS / Android app.
If you are admitted in an hospital (means you need to stay a night and more) then simply show your digital insurance card from your MySwisscare account on iOS or Android smartphone. If the hospital ask more details about the insurance, you can simply click on share on MySwisscare account on iOS or Android, enter the given email address ot the hospital. The hospital will then receive instantly your full insurance certificate with all details. For such inpatient treatments at hospital, Swisscare will be billed directly. In general you dont have to pay. In some case, the hospital can as you to pay a deposit.
Dentist are in general not covered except in case of accident.. Some plans of Swisscare includes a small dentist cover. The general insurance conditions will provide more information about the dentist cover if existing.
Si un traitement médical s'avère nécessaire, tu peux prendre rendez-vous avec un médecin généraliste ou un spécialiste. Les frais de traitement doivent être payés à l'avance, puis réclamés à l'assureur pour remboursement. Dans le cas d'un traitement hospitalier, l'établissement te demandera ton numéro d'assurance et tes renseignements personnels, dans la plupart des cas, aucun paiement anticipé ne sera exigé. Toutefois, dans le cas d'un traitement ambulatoire à l'hôpital, il est toujours considéré comme un traitement ambulatoire et les frais doivent être payés d'avance par l'assuré.
The insurance deductible is the portion of amount that you bear yourself for your medical treatments. The general insurance conditions will fix the rules for the deductible. The deductible can be calculated per contractual year, for a specific duration, for a specific treatment or for a specific insurance cover.
The insurance deductible is stated also on the insurance certificate.
Not all insurance plans has deductibles.
Important
Before all, it is important that you understand that an insurance company provide only cover for the benefits stated in the general insurance conditions. Not everything is paid by default.
Before you start a claim procedure, note that outpatient treatments must be paid in advance (doctors, pharmacy, specialist, hospital day visit...).
In order to get quickly a response from the claim services, we invite you to follow the claim procedure that you can start online on your customer account or using MySwisscare app on iOS or Android.
How long does it take for a refund ?
Only once you send all the relevant document, the insurance company will start the refund. In general within less than 30 days you will be refunded. Some pick times can happens. If after 45 days you still not receive any information from the insurance company, then get in touch with them through our contact form.
Instantly if you pay with credit card
If you pay your insurance with credit card, you can download your insurance policy immediately.
Takes up to 2 weeks with bank transfer
Payment coming from EU/EEA or Switzerland bank accounts, it takes maximum 2-3 office days until you will see your payment into your personal mySwisscare account. You will get an email automatically after reception of your payment.
Payment coming from outside of EU/EEA or Switzerland. Such payment can take up to 2 weeks until they are accounted into your personal mySwisscare account. You will get an email automatically after reception of your payment.
You can at any time pay with credit card to receive instantly your insurance certificate
Just login in your mySwisscare account and under finance you can directly choose to pay with credit card your insurance premium. Takes few seconds and you can download instantly your insurance policy.
You can cancel your insurance before the start date of your insurance. Cancellation is only possible under certain conditions :
Cancellation accepted with 100% refund
If the embassy or consulate refuse your visa, you can request the cancellation of your insurance only by sending the refusal letter of the embassy to Swisscare. Use our contact form, choose the good product and request the cancellation. We refund 100% of the insurance premium to the method you pay it.
Before start date of the insurance you can at any time request the cancellation of the insurance. Swisscare will refund 100% of the premium.
Cancellation not accepted, no possibility of refund
If the insurance policy start, then it is no more possible to cancel it or get a refund without any visa refusal. In that case the full insurance period is due.
