Foreigners’ Comprehensive Medical Insurance EXCLUSIVE

Premium insurance product for foreigners who are long-term residents of the Czech Republic

  • PVZP’s premium product designed for foreigners who are long-term residents of the Czech Republic and expect the highest standards of medical and assistance service. This is the first commercial medical insurance for foreigners, the scope of which is identical to that provided under public medical insurance in the Czech Republic. Unlike public medical insurance, however, this product also includes other useful services. EXCLUSIVE is designed for foreigners of all ages, who wish to have the guarantee of truly high quality health care in the Czech Republic

The insurance policy is concluded
by the crediting of the premium to the insurance company’s bank account

Payment by card or bank transfer,
your insurance is arranged in a few minutes


  • The first commercial medical insurance for foreigners, the scope of which is identical to that provided under public medical insurance in the Czech Republic
  • This product also includes other useful services (assistance service, repatriation, transport of bodily remains, with the insured being absolved eof paying the regulatory fee)
  • Unlike other commercial medical insurance products, this insurance has absolutely no exclusions
  • Non-stop assistance services provided by AXA ASSISTANCE, a renowned provider
  • Designed for foreigners of all ages, who wish to have the guarantee of truly high quality health care in the Czech Republic
  • The amount of the insurance benefit limit is optional – either CZK 2.5 million, CZK 4.5 million or CZK 6.5 million per insured event
  • This insurance complies fully with the valid legislation governing foreigners’ residence in the Czech Republic and is accepted by the Department of Migration and Asylum Policy of the Ministry of the Interior/span>

What does the insurance cover?

  • Scope identical to that provided under public medical insurance in the Czech Republic, and completely free of any exclusions
  • Option of arranging supplementary insurance for professional sports
  • Option of arranging supplementary insurance for medical expenses in the so-called Schengen area

How to arrange Foreigners‘ Medical Insurance?

You can arrange Foreigners‘ Medical Insurance online, or at Pojišťovna VZP, a. s., and VZP ČR sales points.

Frequently asked questions

Questions concerning covid-19

I have arranged Foreigners´ Medical Insurance. If I get ill with covid-19, will you cover all the care related to it?
Yes. All the acute healthcare related to covid-19 treatment is covered by Foreigners´ Medical Insurance of Pojišťovna VZP, a.s., including hospitalisation. Non-acute healthcare in connection with this illness will be covered by comprehensive medical insurance, within the scope of insurance terms and conditions.
I have arranged Foreigners´ Medical Insurance. Does my insurance also cover PCR tests and antigen testing?
PCS tests are covered only if they are prescribed by a hygiene station or by a doctor, we do not cover voluntary PCR testing. Voluntary PCR testing can be covered from “Premium healthcare services”, that is included in most foreigners´ comprehensive medical insurance policies.
Antigen testing (that is free only for those insured by the public medical insurance system) is not possible to cover. However clients can undergo testing as self-payers. In case clients have a valid insurance policy for foreigners´ comprehensive medical insurance with a stated limit for “Premium”, it is possible to ask for a refund for antigen testing up to the stated limit.
Is it possible to arrange supplementary insurance that would cover voluntary testing?
Voluntary testing can be covered by „Premium“ that is included in all insurance policies of Foreigners´ Comprehensive Medical Insurance PLUS. As for Foreigners´ Comprehensive Medical Insurance Exclusive, „Premium“ is included in most insurance policies arranged from 1. June 2020.
I am interested in vaccination against covid-19. Will vaccination be covered by my insurance?
At the moment, registration for vaccination in the Czech Republic is possible only for participants in public medical insurance. If the conditions change in the future, Pojišťovna VZP, a.s. will react, and under agreed conditions, vaccination will be covered by insurance.
I will study in the Czech Republic. My university requires a certificate certifying that my insurance will cover covid-19. Can you issue such a certificate?
Yes. We can issue such a certificate upon request. In such cases, please send us an email on or contact us by phone on +420 233 006 311.

General questions about Foreigners´ Insurance

What should I do when I need to visit a doctor?
Please contact AXA Assistance, our assistance service, and follow their instructions. The assistance service is available non-stop, its staff is able to communicate with clients in all world languages, it has an up-to-date list of our contractual doctors and healthcare facilities and can, if required, also provide a payment guarantee to a healthcare facility, and so forth. The contact details for the assistance service can be found on the insured person’s ID card.
Can I visit any doctor or healthcare facility?
Clients should visit our contractual doctor and healthcare facility, except in case of the need for acute care.
I am pregnant. What insurance should I arrange?
If you are pregnant, we recommend that you arrange Foreigners’ Comprehensive Medical Insurance PLUS or the Standard + Newborn version of the EXCLUSIVE insurance. The waiting period that would apply in the case of the Standard version shall not apply for this type of insurance in the case of payment for healthcare provided in connection with pregnancy and birth. In addition, postnatal care for the newborn (from birth to a maximum of 3 months of age) is covered by this insurance, i.e. healthcare directly linked to childbirth without interruption of the period of hospitalisation.
Is the cost of medicines paid directly to the client under Foreigners‘ Medical Insurance?
A client pays for the medicines he/she purchases in a pharmacy by him/herself and subsequently requests the insurance company to reimburse him/her, but this is only possible if the payment was more than CZK 100.
Does Foreigners‘ Medical Insurance also cover sporting activities?
Depends on the type of insurance arranged and the type of sporting activities. In the case of Foreigners‘ Basic Medical Insurance, there is the option of arranging supplementary insurance for hazardous sports. In the case of Foreigners’ Comprehensive Medical Insurance PLUS, sporting activities are part of the insurance (with the exception of professional sports, for which supplementary insurance can, however, be arranged). In the case of Comprehensive Medical Insurance EXCLUSIVE, sporting activities include professional sports.
Do you offer Foreigners‘ Medical Insurance with cover identical to public medical insurance in the Czech Republic?
Our Comprehensive Medical Insurance EXCLUSIVE product is high quality medical insurance designed for foreigners. The scope of its cover is identical to public medical insurance. The insurance benefit is subject to a limit per insured event, with the option of also taking out supplementary insurance for the event of hospitalisation and insurance of medical expenses for the Schengen area.
What should I do if I find a mistake in the insurance policy?
In this case, please contact the client service department of Pojišťovna VZP, a. s. by telephone on 233 006 311 or by e-mail at
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