Health insurance calculator
for foreigners in the Czech Republic

Health insurance foreigners is necessary for the stay foreigners in the territory of the Czech Republic. Meets the requirements of Act No. 326 / 1999 Coll. about the stay of foreigners on the territory of the Czech Republic, including the amendment to this law, which was published in the collection of laws on 19 September 2023.

Health insurance for foreigners are basically divided into 2 types of insurance: Comprehensive care and Necessary and urgent care. When choosing between these two types of insurance it depends on the planned length of your stay in the Czech Republic and also on your personal interest. Complex health insurance is usually arranged for a period longer than 3 months, i.e. for a stay of more than 90 days. This insurance includes not only acute care in the event of an accident or injury, but also preventive care and so also regular visits to the doctor. Regarding Necessary and urgent care (in some insurance companies, they say “Basic care”), so it is only suitable for short-term stays of up to 90 days. Insurance includes only acute cases requiring medical assistance and cannot be used for preventive medical examinations.

Generally in the visa prefers the process Comprehensive health insurance, which is closest to the Czech public health system and contains a limit of EUR 400,000 and CZK 10,000,000 in crowns. Only in rare cases where a really short stay, basic health insurance is sufficient. So if you are going to the Czech Republic on exchange stay, for work, or if you want to settle here permanently, we recommend that you find out more about visa conditions at the Czech embassy in your country. Unless you are told exactly that Basic insurance is sufficient, we recommend not leaving anything to chance and arranging comprehensive health insurance insurance. In this context, it is necessary to point out that the process of renegotiation from the basic version to complex is quite complicated and lengthy and can thus cause you considerable problems with delivery necessary documents for a visa.

If you already have one more serious health problems, they had you should be very careful when purchasing health insurance. In the insurance conditions of the majority insurance companies, you will come across so-called “retroactivity” in the exclusions, which means that the insurance will not take place apply to illnesses that occurred before the insurance was taken out. If you have to take special medications on a daily basis, or You are going to have a necessary operation, it is very likely that the health insurance company will not pay for it. However, some insurance companies are trying to solve this problem and offer special types of comprehensive insurance such as “Exclusive insurance” from insurance company PVZP a.s. Health insurance of this kind, They will guarantee you full coverage even in the case of pre-existing health problems, but it is necessary to make an appointment is undergoing a medical examination by a doctor and subsequent approval by the insurance company.

Health insurance foreigners is agreed upon for a certain period time and insurance premiums are already paid when agreed in advance. Together with the insurance contract, policy, card the insured and with the confirmation of payment you will also receive a list of contractual facilities where you can go in the event need to turn. These facilities have already agreed a cooperation agreement with the insurance company, and therefore here when visiting, just show your insurance card, the employee will find you in their internal database, and all care covered by your type of insurance will be provided to you free of charge. If you would were not found in the contracted facility and had to pay for the care themselves, we recommend that you keep all of them proof of payment, medical report and prescription. You can then submit these documents together with the completed submit requests to report an insurance event to the insurance company’s head office for reimbursement. Please note that the refund does not take place immediately, it is necessary to check the originals you have brought documents, contact the medical facility and investigate whether the medical care provided is covered by yours type of insurance. It usually takes 2 to 3 months to process the request, after which they will send you the returned payment to Your bank account, or you receive clarification that you are not entitled to this refund. This process involves both reimbursement of examinations, various interventions and consultations, as well as medicines prescribed by a doctor. After duration of the health insurance, it is necessary to take out this insurance again. The existing contract cannot extend, but new health insurance can be arranged under the same conditions. It is also your right to decide for another type of health insurance, or even for another commercial health insurance company.

It doesn’t take much to make an appointment online more than five minutes. Only you fill in the necessary data and then choose the most suitable offer. You can make the payment online by card or by bank transfer.

You can pay online by payment card or directly at us in person or by bank transfer. After receiving payment, all insurance documents will be sent to you email in electronic version with electronic stamp and signature. Additionally, you can request to be sent originals by post to your address or abroad. It should be noted that the electronic version documents has the same validity as the original issued at the branch, so you don’t have to worry that the documents submitted by you rejected the Visa application.

Your insurance is valid when we receive your payment.

We are sending your documents by email immediately upon receipt payments. On request, we also send by post or you can use a personal visit to our branch.

– Passport details
– Contact details
– In some cases, a medical report
– In the case of a student, a certificate of study

– Insurance contract
– Insurance card
– confirmation of payment
– List of contracted facilities

Cancel the contracted insurance you can within 2 months of his agreement and preferably before it begins. In this case, you do not need to give a reason, and in most cases insurance companies will refund you the full amount minus handling costs. Official reasons for cancellation there are several types of insurance: failure to receive a Visa to the Czech Republic, arranging the wrong type of insurance, transition to the public healthcare system in connection with work, or transition to the public healthcare system from reason for obtaining permanent residence or citizenship. Therefore, if you cancel the insurance after a period of 2 months, you must provide official confirmation that you will not be coming here, or that you are transferring to public health system and health insurance will be paid for by your employer. Watch out for some insurance companies that do not recognize the transition to the public system as a reason to cancel the contract. Yippee therefore it is better to study the insurance terms and conditions offered before taking out health insurance product. In the event that you have inadvertently taken out a basic type of insurance instead of comprehensive, it is the standard procedure of paying for a new comprehensive insurance and then refunding the payment for the previous one basic type. As we have already written, this process is quite lengthy, and therefore we advise you to do everything well think about whether to consult an insurance agent about the matter.