Axa complex health insurance slovakia
This type of Comprehensive (complex) health insurance meets al Slovakian visa requirments and is suiable for (Slovak) visa collection.
Insurance can be purchased for a period from 3 months up to three years.
No entrance/medical examination.
This health insurance does not cover pre-existing health conditions.
The insurance covers care provided at a designated, participating facility. Only for urgent care and acute conditions you can use any healthcare facility.
The insured person should contact the service center prior to receiving care.
The insurance premium (cost) differs depends on your sex, age, and coverage.
Comprehensive (complex) insurance coverage is limited as far as the total healthcare costs are concerned (60,000 Euro).
Check the terms of the insurance coverage, in particular “exclusions” listed below. "Exclusion" means that the specific situation or illness is not covered.
The insurance does not cover treatment in specialized medical facilities (e.g. mental hospitals), treatment if the injury resulted from deliberate action on your part, or if the symptoms of a condition become apparent prior to when the insurance commenced or during a waiting period.Only acute dental care is covered.
The standard-type insurance variant has a waiting period of 3 months for pregnancy and 8 months for childbirth. If you become pregnant sooner than 3 months or give childbirth sooner than 8 months from when coverage commences, the standard insurance variant will not cover the pregnancy or childbirth. For these situations you can obtain a pregnancy/childbirth insurance variant.
If you receive medical care from a doctor or facility which does not have a contract with your insurance (is not a “participating” facility), you may be required to pay in cash. You may be told that the insurance company will reimburse you; however, the insurance company will only pay up to certain limits or at specific rates. You will not be reimbursed for any amounts you paid over these limits.
The insurance covers treatment up to state health insurance levels and does not cover the full cost of expensive "expat" clinics.
You should contact the assistance service before using the insurance.
Full terms and conditions are here:
Axa Complex health insurance terms and conditions (pdf)
Axa Complex health insurance IPID (pdf)
Axa Complex health insurance, is very close to European state health insurance levels for 279 Euro a year.
Exclusions
1. The Insurer is not obliged to provide Insurance Indemnifications, with the exception of preventive and dispensary care
related to the pregnancy of an insured mother and the delivery of her child, in the event that:
a) The Insured Party or the person claiming insurance indemnification does not respect the instructions of the Insurer
or the Assistance Service and does not effectively cooperate with them, or does not submit the documents required
by the Insurer or the Assistance Service;
b) The Insured Party refuses to undergo repatriation suggested by the Insurer;
c) The Insured Party refuses treatment or the necessary medical examinations by a physician or health care centre
designated by the Insurer or the Assistance Service;
d) The Insurer has been unable to investigate the Damage Claim because the Insured Party or the person claiming
insurance indemnification did not relieve the attending physician or other institutions from their non-disclosure
obligation vis-à-vis the Insurer or the Assistance Service, as requested by the Insurer or the Assistance Service;
e) The Insured Party or the person claiming insurance indemnification prevented the Insurer or the Assistance Service
from contacting the attending physician or other institutions as requested by the Insurer or the Assistance Service;
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f) The Insured Party or the person claiming insurance indemnification have knowingly provided the Insurer
or the Assistance Service with false or incomplete information regarding the Damage Claim;
g) The Damage Claim occurred in connection with any disturbances provoked by the Insured Party or the person claiming
insurance indemnification or in connection with a crime committed or attempted by them; such an exclusion does not
apply in the event of an injury;
h) The Damage Claim occurred in connection with the Insured Party’s or the person ́s claiming insurance indemnification
active or passive engagement in warfare, peace missions, combat or military events, participation of the Insured Party
in an uprising, demonstration, riot or unrests, public violence, strikes or by the intervention or decision of public
administration authorities;
i) The Damage Claim was caused by the Authorized Person or another person based on the initiative of the Insured Party
or Authorized Person;
j) The Damage Claim occurred in relation to the Insured Party’s or the person ́s claiming insurance indemnification
active participation in a Terrorist Act or in preparation for it;
k) The Damage Claim occurred outside the Slovak Republic;
l) The Damage Claim occurred in connection with the consumption of alcohol or other narcotic, toxic, or psychotropic
substances; this exclusion is not applied in the case of an injury;
m) The Damage Claim occurred in connection with Dangerous and High-Risk Sports and Activities or in connection
with Professional Sport, or during participation in Competitions or preparations for such Competitions;
n) The Damage Claim was caused by nuclear energy or nuclear risks, or chemical or biological contamination;
o) The Damage Claim occurred as a consequence of the deliberate conduct, fault, or contributory fault of the Insured
Party or the person claiming insurance indemnification; this exclusion does not apply in the event of injury.
2. The Insurer is not obliged to pay any Insurance Indemnification for events that occurred prior to the premium payment.
3. Furthermore, the Insurer is not obliged to pay any Insurance Indemnification under the following circumstances:
a) the medical care is related to the treatment of illnesses or injuries which existed prior to the signing of the Insurance
Contract, including medication;
b) the medical care is related to the treatment of illnesses or injuries, the cause or symptoms of which existed prior
to the signing of the Insurance Contract or during the Waiting Time;
c) there are complications which occurred during the treatment of the illnesses or injuries to which this insurance does
not apply;
d) the purpose of the stay is treatment or continued treatment which began outside of the Slovak Republic;
e) examinations, check-ups, or other medical procedures are in the personal interest of the Insured Party
and do not serve any medical purpose (e.g., abortion, examination and treatment of infertility and artificial
insemination and the costs associated with contraceptives and hormone therapy, issue of a medical certificate
upon the patient’s own request);
f) non-acute dental treatment and related services, cost of dentures, dental crowns, bridges, removal of plaque or tartar;
g) treatment by the Insured Party’s Relative or a person without the corresponding qualifications, medical acts outside
of a health care centre registered in the Slovak Republic, treatment using methods which are not scientifically
recognized in the Slovak Republic;
h) purchase of medicines and medical aids without a prescription, supplementary medicines, vitamin products, and food
supplements;
i) vaccination with the exception of compulsory vaccination in accordance with the Act No. 355/2007 Coll.,
on the protection, promotion and development of public health, as amended. and vaccination against tetanus
and rabies in relation to injury;
j) spa care or treatment, physical and bath therapy;
k) acupuncture and homeopathy;
l) medical care provided in a non-contractual health care centre;
m) postpartum and Newborn Care of Insured Party - mothers, if the Mother insurance programme is not effective
as of the date of the Damage Claim;
n) examination and treatment of congenital defects, as of the time of diagnosis, if the Mother insurance programme
is not effective as of the date of the Damage Claim;
o) treatment of addictions, including all complications and related diagnoses;
p) production and repair of prostheses (orthopaedic, dental), glasses, contact lenses, or hearing aids, and the purchase
of braces of other than the basic model;
q) medical expenses that would not be paid from public health insurance were the insured person a party thereto;
r) payments for cosmetic and aesthetic surgeries;
s) reimbursement of costs of regulatory fees and surcharges;
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t) complications caused by violation of the treatment regime established by the attending physician;