{"id":15344,"date":"2020-11-03T12:00:32","date_gmt":"2020-11-03T11:00:32","guid":{"rendered":"https:\/\/icpraha.com\/?p=15344"},"modified":"2025-06-13T16:11:10","modified_gmt":"2025-06-13T15:11:10","slug":"zdravotni-pojisteni-v-cr-en","status":"publish","type":"post","link":"https:\/\/old.icpraha.com\/en\/zdravotni-pojisteni-v-cr-en\/","title":{"rendered":"Health insurance in the Czech Republic"},"content":{"rendered":"<div id='av_section_1'  class='avia-section av-9ozze-dee2ccce1042eedb0e2d42d0194b15a7 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  avia-builder-el-no-sibling  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15344'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-bp233-20eaf6fe82f78270b759869dadda8652 sc-av_one_full av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bp233-20eaf6fe82f78270b759869dadda8652\">\n#top .flex_column_table.av-equal-height-column-flextable.av-bp233-20eaf6fe82f78270b759869dadda8652{\nmargin-top:0px;\nmargin-bottom:30px;\n}\n.flex_column.av-bp233-20eaf6fe82f78270b759869dadda8652{\nborder-radius:10px 10px 10px 10px;\npadding:150px 30px 150px 30px;\nbackground:url(https:\/\/old.icpraha.com\/wp-content\/uploads\/2020\/09\/17-1030x539.png) 50% 50% no-repeat scroll rgba(0,0,0,0.6);\n}\n<\/style>\n<div  class='flex_column av-bp233-20eaf6fe82f78270b759869dadda8652 av_one_full  avia-builder-el-1  el_before_av_one_full  avia-builder-el-first  shadow blend first flex_column_table_cell av-equal-height-column av-align-middle avia-full-stretch  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jkaxdisn-a3c96d983f2c6d594152475aeb1fedde\">\n#top .av_textblock_section.av-jkaxdisn-a3c96d983f2c6d594152475aeb1fedde .avia_textblock{\nfont-size:18px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-jkaxdisn-a3c96d983f2c6d594152475aeb1fedde '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><h1 style=\"text-align: center;\"><b>Health insurance in the Czech Republic<\/b><\/h1>\n<h2 style=\"text-align: center;\"><b>Professional counselling in a nutshell #3<\/b><\/h2>\n<h2 style=\"text-align: center;\"><\/h2>\n<\/div><\/section><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-bp233-2-5e6c544ab3c1a324c24a73e900d5bf4a sc-av_one_full av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bp233-2-5e6c544ab3c1a324c24a73e900d5bf4a\">\n#top .flex_column_table.av-equal-height-column-flextable.av-bp233-2-5e6c544ab3c1a324c24a73e900d5bf4a{\nmargin-top:0px;\nmargin-bottom:30px;\n}\n.flex_column.av-bp233-2-5e6c544ab3c1a324c24a73e900d5bf4a{\nborder-radius:10px 10px 10px 10px;\npadding:30px 30px 30px 30px;\nbackground-color:#ffffff;\n}\n<\/style>\n<div  class='flex_column av-bp233-2-5e6c544ab3c1a324c24a73e900d5bf4a av_one_full  avia-builder-el-3  el_after_av_one_full  avia-builder-el-last  shadow first flex_column_table_cell av-equal-height-column av-align-top  column-top-margin'     ><p><section  class='av_textblock_section av-jkaxdisn-1-63b5b060505b2a01bebd5f05927ea174 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">In the last article from our professional counselling series, we will explain how does health insurance in the Czech Republic work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article is designed for third-country nationals residing in CZ on at least a long-term visa.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For starters, we&#8217;d like to point out that as a foreigner residing in the territory of CZ for more than three months, you <\/span><strong>must have<\/strong><span style=\"font-weight: 400;\"> a health insurance subscription for the entire duration of your stay.\u00a0<\/span><\/p>\n<h1>Public health insurance<\/h1>\n<p><span style=\"font-weight: 400;\">If you have access to <\/span><strong>public health insurance<\/strong><span style=\"font-weight: 400;\">, you may utilize health care the same way as Czech nationals. You may receive treatment in any hospital and from most doctors.<\/span><\/p>\n<h2><strong>1) Who has access to public health insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Apart from Czech nationals, the following categories of foreigners have access to public health insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreigners with permanent residence<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreigners without a permanent residence, employed under an employer who is registered or has permanent residence in the Czech Republic. <\/span><span style=\"font-weight: 400;\">This is only applicable if you have full-time employment \/ main employment (in Czech HPP or \u201cHlavn\u00ed pracovn\u00ed pom\u011br\u201d), agreement on performing work (in Czech DP\u010c or \u201cDohoda o pracovn\u00ed \u010dinnosti\u201d) with monthly earnings above CZK 4,500, or agreement on completing a job (in Czech DPP \u201cDohoda o proveden\u00ed pr\u00e1ce\u201d) with monthly earnings above CZK 11,500.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some foreigners with a temporary residence permit for a family member of an EU citizen, but only if certain conditions are met.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreigners granted international protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starting from 1 January 2024, foreigners with long-term residence permits under the age of 18<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ukrainian refugees granted temporary protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Other specific categories of foreigners<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you are unsure whether you\u2019re eligible for public health insurance, dial +420 252 543 846 to make an appointment for our free of charge social counselling.<\/span><\/p>\n<h2><strong>2) I have access to public health insurance. Which health insurance companies can insure me?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">There are 7 public health insurance companies. You can find them on <a href=\"https:\/\/www.mzcr.cz\/zdravotni-pojistovny-2\/\" target=\"_blank\" rel=\"noopener\">this link<\/a> (page is in the Czech language only). The biggest and most well-known is the VZP (V\u0161eobecn\u00e1 zdravotn\u00ed poji\u0161\u0165ovna).<\/span><\/p>\n<h2><strong>3) How to prove that I have valid public health insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Your health insurance company will issue an insurance card for you (karti\u010dka poji\u0161t\u011bnce) or a replacement document confirming your insurance, which you must always carry with you. You will present this card or proof of insurance at your medical check-up or examination<\/span><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">In addition to your identification details, the card also contains the telephone number of the insurance company&#8217;s helpline, which you can call if you have any problems or questions. The helpline employees speak Czech and English.<\/span><\/p>\n<h2><strong>4) Which forms of medical care are covered by public health insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Public health insurance covers various forms of medical care, including preventive medical examination at a general practitioner, gynecologist or dentist, some medicaments, some medical procedures related to pregnancy and birth, some medical supplies, and\/or transfer to a hospital in case of serious health complications. For a complete list of medical care covered by the insurance, <a href=\"https:\/\/www.zakonyprolidi.cz\/cs\/1997-48\" target=\"_blank\" rel=\"noopener\">click here<\/a> (page is in the Czech language only).<\/span><\/p>\n<h1>Complex commercial insurance<\/h1>\n<p>Under complex commercial insurance, you\u2019re limited to those hospitals and doctors who\u2019ve signed a contract with your selected commercial insurance company. If you don\u2019t find such hospitals and doctors, you may also register as a self-payer with them, i.e. pay for all medical procedures on the spot and then seek the coverage with your insurance company (in that case, it is necessary to agree on this with your insurance company in advance).<\/p>\n<h2><strong>1) Who does complex commercial insurance concern?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">If you do not fall under any of the categories of foreigners with access to public health insurance (e.g. access based on employment, permanent residency or, <\/span><span style=\"font-weight: 400;\">as of 1 January 2024 being a foreigner with a long-term residence permit under the age of 18<\/span><span style=\"font-weight: 400;\">), you will have to purchase commercial insurance.<\/span><\/p>\n<h2><strong>2) At what insurance companies may I purchase commercial insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Many insurance companies are offering commercial health insurance. Some of the best known are Poji\u0161\u0165ovna VZP, a.s., Maxima, ERGO, Axa Assistance, Slavia, Uniqa.\u00a0<\/span><\/p>\n<h2><strong>3) How to prove that I have purchased commercial health insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Commercial health insurance companies will issue insuree cards, just like public health insurance companies. If you did not receive an insuree card, you&#8217;ll instead use a health insurance contract and proof of payment. Insuree card or health insurance contract with proof of payment both serve as proof that you have valid health insurance in the territory of the Czech Republic. You should always carry this proof with you in case you need medical assistance or are checked by Foreign Police.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On your insuree card or in your contract you&#8217;ll find your insurance company&#8217;s call center contact information, which you can dial in case you&#8217;ve got questions or are experiencing difficulties. You can usually communicate with them in multiple languages.<\/span><\/p>\n<h2><strong>4) What health care is covered by commercial health insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Commercial insurance\u2019s health care scope depends on the limit of your insurance fee and the insurance contract. Even a more expensive complex commercial insurance is not equivalent to public health insurance, and the insurance contract usually contains a number of exclusions (i.e. cases not covered by the insurance, usually chronic illnesses or existing medical conditions).<\/span><\/p>\n<p>As of September 20, 2023, the minimum coverage limit per insured event is required to be EUR 400 000 excluding the deductable part .<\/p>\n<p><span style=\"font-weight: 400;\">When purchasing commercial health insurance, it is important to carefully read and understand all terms and conditions.\u00a0<\/span><\/p>\n<p><strong>CARE<\/strong><span style=\"font-weight: 400;\"><strong>:<\/strong> In case you&#8217;ve purchased commercial health insurance and are expecting a baby, we advise you to make an appointment for our social counseling at +420 252 543 846. Such a situation is very specific and best consulted with a professional.<\/span><\/p>\n<h1><strong>Health insurance covered by government<\/strong><\/h1>\n<p><span style=\"font-weight: 400;\">In some cases, a person\u2019s (foreigner\u2019s with permanent residence) access to public health insurance is covered by the government.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">May be applicable if you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">are receiving an old-age pension or disability pension<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">are on maternity leave or parental leave<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">are listed as a job applicant in the Labor Office register (in the case of EU citizens, this only applies if they are eligible to receive unemployment benefits)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">are a recognized refugee or an applicant for international protection<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A detailed list of persons whose health insurance is covered by the government can be found\u00a0<\/span><a href=\"https:\/\/www.vzp.cz\/platci\/informace\/stat\/za-koho-plati-pojistne-stat\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">\u00a0(the website is in Czech language only). However, the type of residence permit you have also plays a role in this list.<\/span><\/p>\n<h1>How to look for a doctor?<\/h1>\n<p><span style=\"font-weight: 400;\">You should be registered at a general practitioner\u2019s clinic, where you\u2019ll go for a preventive health check-up or if you are feeling unwell. <\/span><span style=\"font-weight: 400;\">If necessary, your GP will refer you to see a medical specialist or issue you with a temporary sick leave (in Czech the so called \u201cneschopenka\u201d).<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In case you have access to public health insurance, we recommend visiting the <\/span><a href=\"http:\/\/www.znamylekar.cz\"><span style=\"font-weight: 400;\">www.znamylekar.cz<\/span><\/a><span style=\"font-weight: 400;\"> website, where you can search for GPs based on location, reviews, contracted insurance companies, and\/or whether they currently register new patients. On this website, you can also search for GPs who can speak foreign languages and thus can provide assistance without an interpreter. For interpreting services, you may also employ the services of our <a href=\"http:\/\/icpraha.com\/kontakty\/#doprovody-a-tlumoceni\" target=\"_blank\" rel=\"noopener\">intercultural workers<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In case you have purchased commercial health insurance, please contact your insurance company&#8217;s assistance center. They will help you find a contracted GP.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pay special attention to whether your chosen GP has signed a contract with your health insurance company. Furthermore, always inform yourself whether the medical treatment you require is fully covered by your health insurance or whether you&#8217;ll have to pay a portion yourself. You may also visit a GP who isn&#8217;t contracted by your health insurance company. In case they receive you, you&#8217;ll have to cover the medical expense in cash or by an invoice (via VZP, a.s.)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are having trouble finding a GP, ask your health insurance company to send you a list of their contracted GPs.<\/span><\/p>\n<h1>Opting out of the general health insurance<\/h1>\n<p><span style=\"font-weight: 400;\">Opting out of the Czech public health insurance system is only possible if you have been staying abroad for a long period of time, i.e. at least 6 months.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">!ATTENTION! Different rules apply in EU countries.<\/span> <span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">In order to opt out, in addition to staying abroad for more than 6 months, it is also necessary to have valid insurance in the country where the insured is traveling for the entire duration of this stay and also to bring to the VZP branch a written statement of long-term stay in the country, which you can find here:\u00a0<\/span><a href=\"http:\/\/vzpstatic.cz\/media\/Default\/formulare\/prohlaseni-o-dpp-v-cizine.pdf\"><span style=\"font-weight: 400;\">vzpstatic.cz\/media\/Default\/formulare\/prohlaseni-o-dpp-v-cizine.pdf<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">After eight days from the start of your stay abroad, you also need to hand in your insurance card. A person opt out from VZP does not have the obligation to pay insurance in the Czech Republic, but also loses the right to reimbursement of medical services from the public health insurance. After returning from abroad, it is necessary to re-register with VZP and the obligation to pay insurance begins on the day of re-registration.<\/span><\/p>\n<p><strong>ATTENTION!<\/strong><span style=\"font-weight: 400;\">\u00a0If the insured person returns earlier, and the condition of six months has not been met, the insured person must pay the insurance for the entire period of absence in the Czech Republic, including a possible penalty.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Complete information can be found directly on the VZP website here: <\/span><a href=\"https:\/\/www.vzp.cz\/pojistenci\/cestovani-a-pobyt-v-zahranici\/dlouhodoby-pobyt-v-zahranici\"><span style=\"font-weight: 400;\">https:\/\/www.vzp.cz\/pojistenci\/cestovani-a-pobyt-v-zahranici\/dlouhodoby-pobyt-v-zahranici<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">From 1 January 2024<\/span><span style=\"font-weight: 400;\">, the new rule of 6 months abroad also applies to holders of temporary protection, and the possibility of opting out of VZP retrospectively has also been cancelled. Citizens of Ukraine can use the online form for opting out of VZP and re-register here:\u00a0<\/span><a href=\"https:\/\/pomocukrajine.vzp.cz\/\"><span style=\"font-weight: 400;\">https:\/\/pomocukrajine.vzp.cz\/<\/span><\/a><\/p>\n<h1>Got more questions?<\/h1>\n<p><span style=\"font-weight: 400;\">Each situation is unique, so we&#8217;d always recommend visiting our organization, where we can answer your questions in depth. Call +420 <strong>252 543 846<\/strong> and make an appointment for counseling.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We&#8217;d like to point out that all information is valid as of the article publication date. The information may change with time. You may always inquire about the current situation in a personal meeting with a social worker.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We&#8217;ve also prepared a short video on this topic. Check it out! <\/span>\u263a<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k6sf3kla-53b675de81b3cf39048d3e37a1cf2750\">\n.avia-video.av-k6sf3kla-53b675de81b3cf39048d3e37a1cf2750{\nbackground-image:url(https:\/\/old.icpraha.com\/wp-content\/uploads\/2020\/11\/Thumbnail-SP-3-300x169.png);\n}\n<\/style>\n<div  class='avia-video av-k6sf3kla-53b675de81b3cf39048d3e37a1cf2750 avia-video-16-9 av-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/youtu.be\/CU15Oa_zBvI'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" title=\"HEALTH INSURANCE in the Czech Republic - English, Russian and Vietnamese subtitles!\" width=\"1500\" height=\"844\" src=\"https:\/\/www.youtube.com\/embed\/CU15Oa_zBvI?feature=oembed&autoplay=0&loop=0&controls=1&mute=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n","protected":false},"excerpt":{"rendered":"<p>In the last article from our professional counseling series, we&#8217;ll explain just how does health insurance in the Czech Republic work.<\/p>\n","protected":false},"author":6,"featured_media":21069,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58,103],"tags":[130],"class_list":["post-15344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-category","category-useful-information-for-foreigners","tag-guide-6-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Health insurance in the Czech Republic - Integra\u010dn\u00ed centrum Praha<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health insurance in the Czech Republic - 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