Health Insurance Selector

The type of Health Insurance for foreigners in Czech Republic depends on several factors, this Health Insurance Selector will help you to determine whay type is most suitable for you.

Select which group you are in

non-EU Citizens on a Visa, not Employed

Usually non-EU Citizen has to purchase Commercial Health Insurance. There are two types of Commercial Health Insurance:

• 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 required depends on your visa / residence permit

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

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 (in case of no income). 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.

Public 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 or are employed in Czech Republic. 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 (in case of no income). 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.

Public Health Care

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(!)

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!

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 (in case of no income). 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.

Public Health Care

Students - Commercial Health Insurance

Student Health Insurance is meant for students at an accredited institute (you need to get proof from the institute). It is basically a renamed version of the regular 'Emergency' or 'Complex Care' Health Insurance, because they need to comply to the same regulations of the Ministry as any other insurance.

The 'Emergency' type we can not really recommend, since it is only slightly cheaper than the 'Complex Care' type but offers only a very basic liability insurance, and therefore is refused by some embassies.

Paradoxly, regular Complex Care Health Insurance can be cheaper than the student version, and therefore, to avoid any hassle with proof of study and age limits, our recommendation is to just take the regular Complex Care insurance since it will remain valid after you stop studying and you can buy it online.

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

Back Contact Us 18/08/2015