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Information for foreigners living in the Czech Republic

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Health insurance
in the Czech Republic

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AXA, Colonnade, Maxima, Slavia, Uniqa, pVZP, SV or Vitalitas insurance company

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Health insurance for foreigners in the Czech Republic

Foreigners in the Czech Republic are required to have valid health insurance. There are basically two types of health insurance: public and commercial.

Public health insurance in the Czech Republic is provided through seven health insurance companies. The public health insurance company is required to accept each person who meets the requirements for participation in the public health insurance program.

ČPZP, code 205
(Česká průmyslová zdravotní pojišťovna)

OZP, code 207
(Oborová zdravotní pojišťovna zaměstnanců bank, pojišťoven a stavebnictví)

RBP, code 213
(Revírní bratrská pokladna, zdravotní pojišťovna)

VZP ČR, code 111
(Všeobecná zdravotní pojišťovna ČR)

VoZP ČR, code 201
(Vojenská zdravotní pojišťovna České republiky)

ZPŠ, code 209
(Zaměstnanecká pojišťovna Škoda)

ZPMV ČR, code 211
(Zdravotní pojišťovna ministerstva vnitra ČR)

Commercial health insurance in the Czech Republic is currently offered by eight private insurance companies specializing in coverage for foreigners. This insurance must be purchased individually. There are two types of commercial health insurance available: comprehensive health insurance and basic medical insurance.

– IPA, member of the AXA Group
– Colonnade Insurance Company
– Insurance Company pVZP
– Maxima Insurance Company
– SLAVIA Insurance Company
– SV Insurance Company
– UNIQA Insurance Company
– Maxima Insurance Company
– Vitalitas Insurance Company

Acute and Emergency health insurance

The acute and emergency health insurance covers elementary medical expenses in case of acute health problems. It includes assistance services and contains lower covering limits of medical care than Comprehensive health insurance for foreigners. Acute and emergency health insurance is usually arranged for less than 90 days, so for the time of short-term residence in the Czech Republic (short-term visa). In case you have sudden health problems, acute and emergency health care is provided in every medical facility. It means that it is not necessary if the medical facility which you visit belongs to the list of contractual healthcare facilities of your Insurance company.
ABOUT HEALTH INSURANCE

Comprehensive health insurance for foreigners

This medical insurance covers all medical examination including acute health problems. It contains higher limits of covering and it is also a necessary condition for obtaining long-term visa for foreigners or long-term residence in the Czech Republic. Comprehensive health insurance for foreign nationals includes dental care with higher limits and extended care. It also contains higher cover limits for medicaments. We warn you, the limit of covering varies in every insurance company. Usually the higher the limit of covering is, the higher the scale of medical care. This insurance also fulfills conditions of the Czech Law par. 1 of the Act No. 326/1999 Coll., on Residence of Foreign Nationals. Is also recognized by the Ministry of the Interior of the Czech Republic in the extension of long-term residence, including the amendment of the law of September 2023 after almost two years of monopoly of one of the insurance companies.

Insurance companies

IPA, member of the
AXA Group

The world’s largest insurance company is also represented in the Czech Republic and uses its international assistance network and its standards.

Colonnade Insurance company

Colonnade Insurance is a Luxembourg based non-life insurance company fully owned by Fairfax and established for a strategic expansion of the Fairfax insurance business in Europe.

Insurance company
VZP

Insurance company VZP is a subsidiary of the state insurance company VZP ČR.
It offers its clients the most contractual workplaces.

SLAVIA insurance
company

SLAVIA insurance company is one of the oldest insurance companies in the Czech Republic.
It offers its clients quality insurance at favorable prices.

SV insurance
company

SV insurance company was created by the purchase of the Czech branch of ERGO by a German financial group.
Offers to foreigners balanced insurance products at good prices.

UNIQA insurance
company

UNIQA insurance company draws on the strong background and experience of its Austrian shareholder UNIQA International AG.
It offers its clients the largest choice of insurance for foreigners.

Maxima insurance
company

Maxima insurance company provides health insurance for foreigners in the Czech Republic. Against the rival insurance companies Maxima insurance company offers really affordable insurance for students.

Vitalitas insurance
company

Vitalitas insurance company forms a group with the third largest employee insurance company in the Czech Republic, the public health insurance company OZP.

Frequently asked questions

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Is health insurance mandatory for foreigners in the Czech Republic?

Yes, all foreigners staying in the Czech Republic are required to have valid health insurance, either through the public health insurance system or by purchasing commercial health insurance.

What is the difference between public and commercial health insurance?

Public health insurance is available to those who meet specific legal requirements and is provided by seven public insurance companies. Commercial health insurance must be purchased individually from one of eight private insurers and offers either comprehensive or basic coverage options.

What types of commercial health insurance are available for foreigners?

Foreigners can choose between two types of commercial health insurance:

Comprehensive health insurance, which covers a wide range of medical services and is necessary for obtaining a long-term visa or residence.

Acute and emergency health insurance, which covers basic urgent care, usually for short-term stays of up to 90 days.

Which companies provide commercial health insurance for foreigners in the Czech Republic?

Commercial health insurance is offered by companies such as IPA (AXA Group), Colonnade Insurance Company, pVZP, Maxima Insurance Company, SLAVIA Insurance Company, SV Insurance Company, UNIQA Insurance Company, and Vitalitas Insurance Company.

Why should I choose comprehensive health insurance if I plan to stay long-term?

Comprehensive health insurance meets the legal requirements for long-term visas and residence permits, provides higher coverage limits, includes extended dental and medical care, and is recognized by the Czech Ministry of the Interior and Ministry of Foreign Affairs.