If you wish to reside in the Czech Republic, you must arrange health insurance to cover the costs of medical care and have a document to prove that you have health insurance.
In the Czech Republic, you can either choose public health insurance or use commercial health insurance.
1. Public health insurance
Not everyone has the right to take part in the system of public health insurance. In addition to citizens of the Czech Republic, the following persons can also take out public health insurance:
- persons having a permanent residence permit for the Czech Republic;
- persons employed by an employer having its principal office (or having permanent residence) in the Czech Republic;
- citizens of non-EU countries for whom this is guaranteed by an international convention on health insurance;
- EU citizens undertaking a business or employment in the Czech Republic;
- the family members of EU citizen policyholders undertaking gainful activity in the Czech Republic.
The following persons also have the right to take out public health insurance:
- EU citizens receiving certain social security benefits and economically inactive persons having their place of residence in the Czech Republic;
- applicants for international protection, persons having been granted asylum, the beneficiaries of subsidiary protection, persons having residence authorisation for the purpose of temporary protection;
- children born to foreign nationals within the territory of the Czech Republic (parents having permanent residence, EU citizens working or undertaking a business in the Czech Republic, applicants or foreign nationals having been grated the status of beneficiaries of international protection).
Foreign nationals that enter the public health system must pay a premium (or a premium must be paid on their behalf) and also have the duty to inform and other obligations in relation to the health insurance company with which they are insured.
If you are not entitled to take out public health insurance, you are obliged to take out commercial health insurance.
2. Commercial health insurance
If you are not entitled to take part in the system of public health insurance in the Czech Republic, you must take out commercial health insurance with a commercial insurance company in the Czech Republic to be able to reside in the Czech Republic. This is mainly the case if you are staying in the Czech Republic for purposes other than gainful activity, for example for tourism or studies.
Commercial insurance must cover all costs of treatment that could arise during your stay in the Czech Republic in connection with an accident, sudden illness or repatriation to your country of origin and must be valid throughout your stay in the Czech Republic.
Depending on the type of residence that you have, you can take out insurance for necessary and urgent health care or comprehensive health insurance.
2.1. Insurance for necessary and urgent health care
Insurance for necessary and urgent health care is the basic type of insurance that is intended for foreign nationals that are not entitled to take out public health insurance and plan to stay in the Czech Republic over the short-term (fewer than 90 days).
This insurance only covers the costs connected with urgent and necessary healthcare operations and medical examinations in the case of acute medical problems. It also has lower payout limits when compared with comprehensive health insurance. However, these disadvantages are partly compensated by the lower price.
2.2. Comprehensive health insurance
Comprehensive health insurance is a broader type of insurance that is intended for foreign nationals that are not entitled to take out public health insurance and plan to stay in the Czech Republic over the long-term (longer than 90 days).
Comprehensive health insurance covers the cost of health care provided to an extent that is similar to public health insurance. The aim of comprehensive insurance is to maintain the medical condition of the insured person at the time before entering into an insurance contract. It therefore covers expenses for broadened care, including outpatient treatment, preventative and dispensary health care. In contrast to insurance for necessary and urgent health care, it also has higher limits for the coverage of health care.