Do you need to get health insurance as an ex-pat in the Czech Republic?
Czech law requires anyone staying in the country to have health insurance, but not everyone qualifies to receive coverage from the state.
From August 2021, foreigners with long-term residence are required to buy a health insurance contract with the commercial branch of Všeobecná zdravotní pojišťovna (VZP), officially known as Pojišťovna VZP (PZVP), for five years.
What is commercial health insurance?
Commercial health insurance is a private contract between the insured person (the ex-pat) and the insurance company. It is available to foreigners staying in the Czech Republic (or those applying for residence) who are not included in the public health insurance system.
Who qualifies for commercial health insurance coverage?
Ex-pats staying in the Czech Republic based on a long-term visa or a long-term residence permit with the purpose of business are not included in the public health insurance system and must buy commercial comprehensive health insurance from PVZP.
That includes:
- Ex-pats with resident permit or long-term visa (for business, study, family reunification).
- Ex-pats who are self-employed in the Czech Republic.
- Third-country nationals living in the Czech Republic three months or longer.
Why clients choose us? We have discounts for you!
Prices for this type of insurance depend on a number of factors (age, limit of indemnity and the duration of the policy).
We have prepared discounts for our ex-pat clients!
Payments: Health insurance is paid upfront for the whole period. The account number for payment is sent to you once you choose the type of insurance with us.
Three types of insurance:
Basic health insurance for foreigners
- stay in the Czech Republic for a maximum of 90 days
- urgent care and hospitalization
- treatment in all medical facilities
- acute dental treatment
Comprehensive health insurance for foreigners Plus
- stay in the Czech Republic for a period exceeding 90 days
- all care in connection with illness and injury
- dental care
- medicines and medical devices
- treatment of covid-19, PCR test
- gynaecological and prenatal care with the Novorozenec (newborn) tariff
Health insurance for foreigners Exclusive
- all health care without limitations
Health insurance Exclusive is suitable for ex-pats living in the Czech Republic for a long time, who expect the highest standard of medical and assistance service. Premium insurance with an optional indemnity limit (1.8 million CZK or 3.0 million CZK per insured event) completely identical to the scope of Czech public health insurance.
