Health Insurance Selector

The right health insurance in a few steps

The type of Health Insurance for foreigners in Czech Republic depends on Visa / Residence Permit / Nationality and Profession. Generally speaking, non-EU Citizens (3-rd Country Nationals) have to get a commercial Health Insurance, whereas EU citizens must be registered at the Czech Public Health Care.
Note that there are quite a few exceptions to this rule, which are explained below!

For Students, both EU and non-EU, special commercial health insurance types are available.

Which group do you fit in?

non-EU Citizens on a Visa, not Employed
Usually (but not always, see some of the exceptions below) a non-EU Citizen has to purchase commercial Health Insurance. There are two types of commercial Health Insurance for foreigners:
  • the 'Emergency Health Insurance ', which is the basic, liability only type which does not cover any visit to medical facilities or dentists except for acute 'emergencies'
  • the 'Complex Care Health Insurance' which is a comprehensive type that is comparable to Public Health Care. It allows vists to hospitals, doctors and dentist without extra costs.
The costs of commercial medical insurance depend on age but not on income.
Which one of the two types is suitable for you depends on your visa / residence permit.

ContinueI (will) have my FIRST Visa
-or-
ContinueI (will) have an Extended Visa or Residence Permit

Exceptions: married or registered partnership with an EU Citizen, previous employment in another EU country, self-employed with EU family. Contact us if this applies to you - we might be able to save you a lot of money

non-EU Citizen with Permanent Residence Permit or Employed
For non-EU employees and non-EU nationals with a permanent residence permit the commercial 'Emergency' or 'Complex Care' Health Insurance is not suitable, they are entitled (and obligated) to register into the Public Health Care system.

The costs of the Public Health Care do not depend on age but on income, with a minimum of 1.148 CZK / month. An employer will deduct these costs at source, but people that are self-employed or not employed at all must register themselves and make their own monthly health contributions.

ContinuePublic Health Care
EU Citizens
For EU Citizens are entitled (and obligated) to register into the czech Public Health Care system, once they have a temporary or permanent residence permit, register as self-employed, are employed in Czech Republic or for any stay over 90 days. An EU Citizen should always be in the Public Health Case system of the country he is resident in.

Commercial Health Insurance is only suitable for EU Citizens who do not have valid Public Health Care for their home country, are applying for a (temporary) residence permit or are staying only for a short time in Czech Republic.

Important Note: on the VZP.cz website is written that only EU Citizens with a permanent residence (permit) can enroll into the Public Health Care - this is wrong information.

The costs of the Public Health Care do not depend on age but on income, with a minimum of 1.148 CZK / month. An employer will deduct these costs at source, but people that are self-employed or not employed at all must register themselves and make their own monthly health contributions.

ContinuePublic Health Care

Non-working spouses and children can be insured for free, even if they are non-EU, if certain conditions are met. Contact us to find out if you are eligible.

Families with mixed EU- and non-EU Citizens
non-EU spouses and children living in the household of an EU Citizen are entitled to receive a Temporary Residence Permit, which grants them (almost all) the rights of an EU Citizens. However, the rights do not include enrolling into the czech Public Health Care(!) Registering at the Public Health Care is possible only if certain conditions are met, and therefore we recommend booking an appointment to determine if you are eligible, since the regulations are quire complex and even local VZP sales points do not know some of the exceptions(!)

Important Note: on the VZP.cz website is written that only EU Citizens with a permanent residence (permit) can enroll into the Public Health Care - this is wrong information.

The costs of the Public Health Care do not depend on age but on income, with a minimum of 1.148 CZK / month. An employer will deduct these costs at source, but people that are self-employed or not employed at all must register themselves and make their own monthly health contributions.

ContinuePublic Health Care

In case it is possible to register non-EU spouse / children under the Public Health Care of the EU Citizen, all family members are covered by the contributions of the EU Citizen - we therefore may be able to save you a great deal of money!

Students - Commercial Health Insurance
Students, independent from their nationality, can enroll into a special 'Student Health Insurance'.

There are two types of commercial Health Insurance for students:
  • the 'Student Emergency Health Insurance ', which is the basic, liability only type which does not cover any visit to medical facilities or dentists except for acute 'emergencies'
  • the 'Student Complex Care Health Insurance' which is a comprehensive type that is comparable to Public Health Care. It allows vists to hospitals, doctors and dentist without extra costs.
It must be said that the Student Insurance only differs in price from the regular Emergency- or Complex Care insurance. As insurance companies are in constant price-war, quite often the regular Complex Care insurance is cheaper than the Student one - and if your purpose of stay changes, technically, the Student-type can not be used anymore, therefore we recommend to get the regular Complex Care Health Insurance - it covers in all cases.

Continue Student Insurance

Some embassies only accept the 'Student Complex Care Health Insurance' for the visa application, and also it is advisable to have full coverage if your intention is to stay several years. The 'Emergency' type we can only recommend if you have sufficient coverage from an other insurance and your stay in CZ will be short.

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