Travel medical insurance for Czech Republic

I'm applying for a long-term visa (6 months) for the Czech Republic. I need to purchase travel medical insurance and provide the Consulate with a copy of whatever policy I purchase -- and I must buy a policy that meets Czech legal requirements. According to the Consulate's web site, the policy 

•  must cover all the costs associated with necessary and urgent health care, including costs associated with transportation, including transportation of mortal remains in the event of death, and insurance must not exclude providing insurance payment in the case of accident caused by a willful act, negligence or contributory negligence of the insured, even as a result of drinking alcohol, taking narcotics or psychotropic drugs by the insured.

Not surprisingly, I've discovered US insurance companies, naturally, DO exclude payments for accidents caused by drinking, taking drugs, etc. Have any of you found insurance policies that DON'T include such exclusions? (I assume they must exist, since more and more people work in the Czech Republic each year.) Thank you!