Insurance of foreigners

Foreigners with temporary residence in Slovakia are required to register for insurance, whether public or commercial .

Public health insurance – covers health care and services related to the provision of health care to the extent according to Act no. 577 / 2004 on the scope of health care, i.e. emergency health care, medicines, medical devices, dietetic foods, spa care, some preventive examinations (e.g. child prevention, 1x a year gynecological preventive examination, 1x every 2 years general preventive examination).

Who is insured under public health insurance?

• Public health insurance is mandatory for:
• citizens with permanent residence in the Slovak Republic
• persons (including foreigners) employed by an employer based in the Slovak Republic
• persons (including foreigners) engaged in self-employment in the Slovak Republic
• students (studying on the basis of international agreements)
• asylum seekers...

Individual health insurance – covers health care provided beyond the scope of public health insurance to the extent specified in the insurance contract according to the Civil Code.

Who is insured under individual health insurance?

• Persons who do not have the possibility of health insurance in the public system
• they do not have permanent residence in the Slovak Republic
• they are not employed by an employer based in the Slovak Republic
• they do not perform independent gainful activity on the territory of the Slovak Republic
• work or do business in the Slovak Republic but do not meet the minimum wage requirement (year 2022 – EUR 646)
  
• On the territory of the Slovak Republic, e.g. in order:
• business (as company managers, does not apply to SZČO), family reunification
• performing sports activities
• they perform work and are sent and paid from abroad or work for an employer who benefits
• diplomatic benefits and immunity
• study, but not students from an EU member state or on the basis of an international agreement to which the Slovak Republic is bound
• holidays, visits, tourism

Commercial health insurance from the UNION insurance company - types

Safety (Complex ZS) from UNION

The health insurance for foreigners SAFETY covers comprehensive health care to the extent comparable to public health insurance in Slovakia.

SAFETY health insurance for foreigners is suitable for you when:

• you are staying in Slovakia for more than 3 months,
• you carry out work or sports activities in Slovakia,*
• you have an existing or chronic disease,*
• you are pregnant.*

What is covered by the insurance?

• Outpatient health care with contracted doctors,
• hospital healthcare,
• first aid medical service,
• medicines and medical equipment prescribed by a doctor,
• diagnostic and therapeutic procedures prescribed by the attending physician,
• stomatological (dental) treatment in case of injury or pain relief,
• transportation of the sick by ambulance, air ambulance,
• dispensary care for chronic diseases,
• control examinations, rehabilitation, spa treatment,
• preventive examinations with an insurance period of at least 6 months.

How much does the insurance cover for health care costs?

• The insurance company will cover the costs of healthcare up to EUR 60,000,
• for pregnancy insurance up to EUR 17,000,
• the insured sum for dental treatment is EUR 300, while the maximum limit per insurance event is EUR 100,
• if repatriation is necessary (transportation of the insured patient or body remains), the insurance company will pay the costs up to EUR 20,000.

Simple (Urgent ZS) from UNION

SIMPLE health insurance for foreigners covers the necessary treatment of an accident or sudden illness, medical care to avert a threat to life or health, treatment of sudden pain.

SIMPLE health insurance for foreigners is suitable for you when:

• you do not suffer from health problems at the time of taking out the insurance,
• you do not need health care insurance related to pregnancy and childbirth,
• you do not need health care insurance related to work and sports activities,
• you are planning a shorter stay in Slovakia.

What is covered by the insurance?

• Outpatient healthcare,
• hospital healthcare,
• first aid medical service,
• medicines, and medical, material prescribed by a doctor,
• acute dental treatment,
• transportation of the sick by ambulance, air ambulance.

How much does the insurance cover for health care costs?

• The insurance company will cover the costs of healthcare up to EUR 60,000,
• if repatriation is necessary (transportation of the insured patient or body remains), the insurance company will pay the costs up to EUR 20,000.

Are you interested in insurance? Contact us. Our company is authorized for personal and property insurance.