Healthcare · Expat Guide
Insurance claims and reimbursement
What to keep when you pay for medical care
Before you act: This guide is informational. Official immigration rules, insurer terms and coverage eligibility may change. Verify current details with the relevant Czech authority and the insurer.
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Before paying for treatment
- Whenever practical, ask the insurer's assistance team whether the provider can bill directly or whether pre-approval is necessary.
- An out-of-network visit or optional service may not be reimbursable.
- Always read your product's exclusions and benefit limits.
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Keep complete supporting records
- Save medical reports, prescriptions, itemized invoices, payment receipts and the policy number.
- Document the date, provider and reason for each expense.
- The precise claim form and documentation can differ depending on the event.
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Submit to the insurer
- Follow the insurer's current claim-reporting process and deadline in your policy documentation.
- Provide bank details only using official secure claim channels.
- Reimbursement and processing times depend on eligibility and whether the claim file is complete.
Practical action guide
Reimbursement preparation checklist
Paid for treatment or medicine yourself? Collect the evidence before submitting a claim. Reimbursement is subject to your policy and Slavia’s decision.
Progress is saved on this device only. It is not sent to SHC or the insurer.
Important: Paying for care does not guarantee reimbursement. Do not send medical records or bank details through the general SHC contact form.
Submit your reimbursement request correctly
Prepare your documents using the checklist above. Confirm the insurer’s current claims procedure before sending medical records or bank details.