FAQ Health Insurance for Foreigners
Only for registration at the Public Health Care system we charge a one-time fixed fee because it takes several hours of preparation and at least 2 visits to the authorities to sort everything out. We do everything for you; you do not need to fill in in anything and you do not need to go anywhere.
Much more convenient is to use the Online service for Maxima or AXA here on this website.
VZP Public Health Care is not paid in advance, but you will need to pay monthly(by an automatic bank transfer or paying in cash at the post office / bank)
The Ministry of Interior only accepts for Visa / Residence Permit purposes Health Insurance types that comply to their regulations. In practise this means that the insurance needs to be from a czech-based Health Insurance company. We only deal with the largest insurance companies in Czech Republic.
The official Ministry of Interior text can be found here.
Further, several embassies do not accept the 'Emergency' type for any visa application - since it covers nothing.
Lastly, when extending a visa, only a 'Complex Care' type is accepted.
Our advice: rather not take the cheap insurance; the savings do not outweigh the possible complications at the embassy, foreign police or hospital.
EU Citizens are required to register in the czech Public Health Care if they are resident in Czech Republic - it is not advisable stay registered in another EU country or not register in any EU country. It will lead to complications down the line.
Our advice: do not bother, just take a czech commercial Health Insurance or register in the czech Public Health Care, because it will save a lot of hassle, possible visa refusal and risk of being refused at a medical facility.
Also it is possible to buy health insurance now and let it start later. Generally, the starting date has to be within a year from now.
Only in very few, specific cases requests for refunds are accepted. If you upgrade to a more expensive type of the same company a refund request may be filed. However only Maxima refunds the insurance fee upon visa refusal (an official letter is required) and only PVZP refunds commercial insurance when changing to the VZP Public Health Care (and even then, reluctantly).
By far PVZP has the widest network in Czech Republic (1000s of locations). If you live outside a big city, it is advisable to take PVZP, because with another insurance company you will have to pre-pay and file a request for re-imbursement. In Prague, the coverage for other insurance companies is better, so you can avoid the pre-payment and reimbursement hassle by going to a facility on the list. When living in Prague, Maxima is probably the best option.
By default, we will send the insurance documents as a scan by email. Optionally we send the paper hard copy by registered mail or express mail / DHL. We do not charge for registered mail inside Czech Republic. However, Express mail and DHL costs are not covered by us and can be 1.000 - 2.000 CZK (!) depending on speed and destination.
Discounts: In case you will buy Health Insurance for more than one person or you are a returning customer, contact us! Always some kind of discount is possible!
Recommend a Friend: Recommend a friend and both get a bonus!