Insurance in Czech Republic
Health and other insurance options for foreigners
💡 Important tips about insurance:
- Non-EU citizens MUST have commercial health insurance (pojisteni cizincu) before applying for a visa
- Once you get a Czech permanent residency or long-term work permit, you typically join the public system
- EU citizens can use their EHIC card for short stays — but get proper insurance for long-term stays
- Students on Czech student visa can choose between commercial insurance or joining public system through school
- PVZP is the most popular choice for non-EU foreigners applying for Czech visas
- Keep your insurance documents in Czech — border police and hospitals may ask for them
This information is for general guidance only and does not constitute medical or insurance advice. Always verify requirements directly with the insurer or a qualified professional.
Types of Insurance
Health Insurance (Zdravotní pojištění) REQUIRED
Mandatory for all residents. Covers GP visits, hospital, emergencies.
Travel Insurance (Cestovní pojištění)
For short visits. Covers medical emergencies, cancellations.
Liability Insurance (Pojištění odpovědnosti)
Covers damages you accidentally cause to others. Often included in home insurance.
Home/Renter Insurance (Pojištění domácnosti)
Covers your belongings in your flat. Cheap and worth having.
Health Insurance Providers
VZP (Všeobecná zdravotní pojišťovna)
~3,306 CZK/month (min. 2026 contribution)
Largest Czech health insurer. Mandatory for EU residents and employees.
PVZP (Pojišťovna VZP)
from 1,075 CZK/month
Commercial insurer specifically for foreigners. Very popular for non-EU nationals.
Zdravotní pojišťovna Ministerstva vnitra (ZPMV)
~3,306 CZK/month (min. 2026)
Public insurer, one of the smaller state-run options
Slavia Pojišťovna
from 1,000 CZK/month (comprehensive)
Good commercial health insurance for foreigners
Uniqa Pojišťovna
from 700 CZK/month
International insurer with good coverage for foreigners
📱 Useful Insurance Apps
Moje VZP
Official app for VZP (largest Czech health insurer). Check your insurance status, find doctors, and manage your health card.