Comprehensive health insurance for foreigners in the Czech Republic

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Suitable for whom?

Students coming to the Czech Republic to study are obliged to have comprehensive health insurance for the entire duration of their visa/ residence permit. Exception: if a student is officially employed under a labor contract (HPP or DPČ), he/she is automatically included in the public health care system and is not obliged to buy commercial insurance.

Entrepreneurs

A foreigner with a residence permit cannot pay contributions to the public health care system, even if he/she has registered as an entrepreneur (OSVČ). The right to participate in the state insurance only arises if you have a residence permit or EU citizenship. Therefore, such entrepreneurs need to conclude a private comprehensive insurance contract.

Family reunion

Family members (spouses, children, parents) who apply for reunification with a person living in the Czech Republic (foreigner with residence permit or permanent residence permit) must provide proof of health insurance. If they do not work and are not eligible for VZP, they must take out private comprehensive insurance.

Ukrainians requesting a special residence permit

As long as temporary protection (dočasná ochrana) is in force, Ukrainians are included in public insurance. However, if a person switches to a special residence permit and does not work anywhere, he or she is obliged to provide a comprehensive private insurance contract.

Foreigners with a work card changing jobs

Foreigners with a work card are included in the public health care system and the employer pays contributions for them. But if a person is dismissed or changes jobs, he or she temporarily loses the insured status. For the period between jobs (usually 1-2 months), the foreigner is obliged to take out private comprehensive insurance for this period.

Children under 18 years of age coming to the Czech Republic on a long-term visa

Children who come to the Czech Republic on a long-term visa are obliged to have comprehensive private health insurance for the entire period. When children transfer to a residence permit, they are included in the public health care system in the same way as Czech citizens.

Comprehensive health insurance for foreigners in the Czech Republic is a compulsory form of insurance for all those who plan to stay in the country for a long period of time, e.g. for study, business or family reunification. The main purpose of this insurance is to give a foreigner access to medical services at a level comparable to that received by Czech citizens through the public health insurance system. It covers the costs of emergency and planned medical care, hospitalization, treatment of various diseases, outpatient visits to doctors, diagnostics, and partly vaccinations and preventive examinations.

You can get insurance directly from an insurance company, but it is much more convenient and profitable to do it through us - a professional insurance broker. We provide full support in Russian, English and Ukrainian languages, helping to understand all the nuances of insurance and choose the best option for your situation.

Insurance companies

Pojišťovna VZP

A subsidiary of the largest state insurance company VZP. Specializes in health insurance for foreigners and has an excellent reputation in the Czech Ministry of the Interior.

Benefits:

Extensive network of contractual clinics
Additional insurance cover of 3600 kronor

Slavia pojišťovna

One of the oldest insurance companies in the Czech Republic, founded in the 19th century. Today it actively offers convenient health insurance programs for foreigners.

Benefits:

+2 months of insurance as a gift when concluding a contract for 1 year
Free access to the U lékaře medical service

UNIQA pojišťovna

A large international insurance group with Austrian roots. A reliable choice for those who appreciate high quality service.

Benefits:

High level of customer service
Convenient tariffs for short-term insurance (from 1 month)

AXA Assistance

A renowned international brand offering quality health insurance programs with wide coverage.

Benefits:

Reliable emergency care coverage both in the Czech Republic and abroad
+2 months of insurance free of charge when concluding a contract for 1 year

Colonnade Insurance

International insurance company present in Central and Eastern Europe, with favorable offers through brokers.

Benefits:

The best price on the market
Additional coverage package for the amount of 1500 CZK

SV pojišťovna

A new brand on the Czech market (formerly ERGO), which quickly established itself thanks to its quality health insurance products.

Benefits:

Excellent emergency and repatriation coverage
Prompt payment of insurance indemnities upon occurrence of insured events

How do I formalize the contract?

Download the visa extension guide

The document contains a list of documents for a student visa or residence permit in the Czech Republic, a sample application form, addresses of the Ministry of Interior offices, useful links, answers to the most common questions and much more.

The download for free download for free

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