Czech Health Insurance: Public (VZP) vs. Private Coverage for Expats
If you are a **foreigner living in the Czech Republic**, having **health insurance** is mandatory. Whether you need **public health insurance (VZP) or private insurance** depends on your residency status, employment, and visa type.
This guide explains **who qualifies for public health insurance**, when private insurance is required, and how insurance ties into taxation in Czechia.
1. Who Needs Health Insurance in Czechia?
All foreigners must have **valid health insurance** during their stay in the Czech Republic. The type of insurance you need depends on **your visa type and employment status**.
Who Qualifies for Czech Public Health Insurance (VZP)?
- EU/EEA/Swiss citizens who register residence in Czechia.
- Foreigners with **permanent residency** in Czechia.
- Foreign employees working for a **Czech employer** (automatically enrolled by employer).
- Self-employed individuals who register for public health contributions.
Who Needs Private Health Insurance?
- Non-EU foreigners on a **long-term visa** (students, freelancers, family reunification).
- Entrepreneurs not covered by an employer.
- Visitors staying in Czechia for under 90 days.
For official health insurance rules, visit the VZP Public Health Insurance Portal.
2. Czech Public Health Insurance (VZP)
Public health insurance is **state-regulated** and covers **doctor visits, hospitalization, medications, and preventive care**. The **largest provider** is Všeobecná zdravotní pojišťovna (VZP), covering most residents.
How Much Does Public Insurance Cost?
- Employees: Automatically enrolled by employer (monthly deduction of ~13.5% of salary).
- Self-Employed (OSVČ): Monthly contributions start at **2,722 CZK**.
- EU Citizens: Can use **EHIC card** for emergency care but must register for full benefits.
What Does It Cover?
- Doctor visits & specialist consultations.
- Hospital stays & emergency care.
- Prescription medications.
- Pregnancy care & preventive screenings.
3. Czech Private Health Insurance
Foreigners who **do not qualify** for public insurance must buy **private health insurance** from a licensed provider. This is **mandatory for visa applications**.
How Much Does Private Insurance Cost?
- Basic plans: Start at **12,000 CZK per year**.
- Comprehensive plans: Up to **40,000 CZK per year**, covering **pre-existing conditions**.
What Does It Cover?
- Doctor visits & hospitalization.
- Emergency care & ambulance services.
- Some plans include **dental & maternity care**.
For a list of approved private insurers, visit the Czech Ministry of the Interior – Insurance Guidelines.
4. Step-by-Step Guide to Getting Health Insurance
How to Register for Public Health Insurance (VZP)
How to Get Private Health Insurance
5. FAQs: Czech Health Insurance
- Can I use my home country’s insurance in Czechia?
- Only EU citizens can use EHIC temporarily. Non-EU citizens need Czech-accepted insurance.
- Is private insurance enough for a work visa?
- No, once employed, you must switch to **public health insurance (VZP)**.
Need Help Choosing Health Insurance in Czechia?
Confused about public vs. private health insurance? Our team can guide you through the **best options for expats**.
