Health insurance for foreigners in the same quality as for citizens of the Czech Republic


The most comprehensive health insurance for foreigners in the Czech Republic with maximum risk coverage from Pojišťovna VZP, a.s.


It doesn’t pay off to take a risk. And this is doubly true for health. Recently, we have noticed an increased number of offers of suspicious health insurance for foreigners. Don’t be lured by their price, it could happen that you will not be reimbursed for care and treatment costs. The costs could then be recovered directly from you. Every Czech citizen pays at least 2,352 CZK a month for health insurance, so it is not adequate to expect a price of, for instance, around 6,000 CZK for annual health insurance.

Health insurance is mandatory for anyone who will stay in the Czech Republic for a long time, whether for work or study. Just as health insurance is a matter of course for foreigners in their country of origin, it should also be so in the case of a long-term stay abroad. Everyone has only one health, so do not take any risks and choose quality health insurance.

Health insurance for foreigners: What to focus on?

When choosing health insurance, it is particularly important to consider the purpose, duration of stay and scope of insurance. It is necessary to pay increased attention to references and evaluations of the insurance company, availability of contracted doctor’s offices and medical facilities. Last but not least, it is necessary to verify whether the given insurance meets the conditions of the act on the residence of foreign nationals in the territory of the Czech Republic.

What does health insurance for foreigners include?

Health insurance for foreigners from Pojišťovna VZP, a.s. (PVZP) is based on long-term experience with this type of insurance, which guarantees health care at a very high level. The insurance includes the provision of medical aid and a non-stop assistance service which can be contacted 24 hours a day. The insurance fully complies with the valid legislation of the Czech Republic for the stay of foreigners in our territory and is accepted by the Department for Asylum and Migration Policy of the Ministry of the Interior of the Czech Republic.

Three types of health insurance for foreigners offered by PVZP

Basic health insurance for foreigners

  • stay in the Czech Republic for a maximum of 90 days
  • urgent care and hospitalization
  • treatment in all medical facilities
  • acute dental treatment

Basic health insurance for foreigners is suitable for stays in the territory of the Czech Republic for a maximum of 90 days, and covers the costs of necessary and urgent treatment and hospitalization in all medical facilities in the Czech Republic to the necessary extent. This insurance also includes payment for the necessary examinations needed to determine the diagnosis and further treatment. It also applies to medical treatment and subsequent hospitalization. The insurance also covers acute dental treatment and the provision of outpatient prescription medications. In addition, it offers assistance in unexpected situations, such as possible repatriation and transportation of mortal remains to the country of origin.

Comprehensive health insurance for foreigners Plus

  • stay in the Czech Republic for a period exceeding 90 days
  • all care in connection with illness and injury
  • dental care
  • medicines and medical devices
  • treatment of covid-19, PCR test
  • gynaecological and prenatal care with the Novorozenec (newborn) tariff

Comprehensive health insurance for foreigners Plus (KZPC Plus) is for all people who came to the Czech Republic permanently or for more than 90 days, whether for the purpose of work, study, accompanying their partner or for family reasons. This comprehensive insurance covers the reimbursement of all costs associated with health care in connection with illness or injury (except for injuries and illnesses that the insured person already had before arranging the insurance), preventive and dispensary health care (active monitoring or supervision of illness which does not require the provision of acute health care) or acute dentistry. It reimburses medicines prescribed by the doctor and the necessary medical devices. The KZPC Plus insurance also covers the costs associated with the treatment of covid-19 disease, including the PCR test if it is prescribed by a hygienic station or the attending doctor.

The KZPC Plus insurance with the additional insurance Novorozenec is suitable for pregnant women, because it covers all care for the expectant mother, regular examinations during pregnancy, childbirth, post-natal examinations and post-natal care for the newborn.

All people who arrange the KZPC Plus insurance can use other above-standard services with PVZP, such as dental hygiene, preventive examination to determine the current state of health and/or specific examination (e.g. laboratory blood tests, skin or prostate examination, etc.).

Health insurance for foreigners Exclusive

  • all health care without limitations

Health insurance Exclusive is suitable for foreigners living in the Czech Republic for a long time, who expect the highest standard of medical and assistance service. Premium insurance with an optional indemnity limit (1.8 million CZK or 3.0 million CZK per insured event) completely identical to the scope of Czech public health insurance.