海外旅行保険

health insuranceは合算可能なので・・・

大丈夫ではないかな？？？という気がします。
多分、ほとんどの人は気にせず(知らずに）行っているのでは
ないかと思います。もう、5年も経っているのに大騒ぎを聞くこともないし。
しかも、大使館ですら、あくまでビザの要件としてあるだけです。

４）申請者が、所有するクレジットカードに含まれる保険を利用する場合でも、カード会社に、保険証券の発行を依頼してください（カードとカード規約の提示では不十分です）。この保険は、保険金に関する上記の条件をすべて満たしたものでなければなりませんが、カード付帯の保険は、この条件を満たしていないものが多いですので、注意してください。

Czech Republic
New Medical Insurance Requirements for Foreign Nationals
January 14, 2010 (Updated January 28, 2010)
Czech authorities have instituted new health insurance requirements for foreign nationals, including both short-term visitors staying in Czech Republic for 90 days or less and long-term residents. The new requirements took effect on January 1, 2010 and apply to foreign nationals seeking entry and those who already reside in Czech Republic. However, the Czech foreign police have stated that there is an unofficial grace period, until March 31, 2010, for foreign nationals already living in Czech Republic to obtain the necessary insurance. If a long-term resident fails to obtain the required health insurance coverage from an approved company by March 31, his or her immigration status may be revoked and he or she would have to leave the country.

Insurance Requirements for Short-Term Visitors

Foreign nationals seeking to stay in Czech Republic for 90 days or less must possess travel health insurance with minimum coverage of €30,000 and no deductible for the duration of their stay. The insurance policy must be able to cover the costs of treating an injury or sudden illness during the foreign national’s stay, including transportation costs. A foreign national may purchase the required insurance policy from any company authorized to provide such coverage in his or her country of citizenship or legal residence or in Czech Republic.

Foreign nationals must be able to present a certificate of insurance when applying for a visitor visa or when seeking entry at a port of entry, if visa exempt. They must also be able to provide proof of insurance if subjected to a residence check by Czech authorities.

health insuranceであり、mortality (life) insuranceではありません。
求められているのは。制度の意味からして当然ですが。
死亡保険と違って疾病は制度上合算できるが、それで説得できるかは実際やってみないと
わかりません。そもそも、提示を求められる、さらに書類不備を指摘される、のは宝くじに
当たる以上に希なことでしょう。さらに、説得も通じないのであれば、貴重な体験なので、
ここで報告すれば、途轍もない情報になります。
ところで、自動付帯のカードですよね？利用付帯ではなく・・・。