HEALTH INSURANCE IN THE CZECH REPUBLIC

In the Czech Republic, the health insurance is compulsory. It can be arranged through a public or private health insurance provider. 

Anyone working full time for a Czech employer is automatically insured under the country’s public healthcare system and payments for the health insurace are deducted and paid automatically from their salary. 

Long-term visitors usually arrange insurance through a private insurance company. 

Health Insurance Guide, EU, Czech Republic
Health Insurance Guide, nonEU, Czech Republic

In the Czech Republic, it is compulsory to have a health insurance. Everybody staying for over 90 days is required to show proof of the healthcare scheme. Those who stay for less than 90 days can be insured by the travel insurance. 

 

Private health insurance in the Czech Republic is more expensive than the public insurance, however it is better equipped to procure the expat patients as there are more English speaking staff. The private medical centers also usually offer immediate medical treatment without waiting in queues.  

General health insurance secure free medical treatment based on compulsory contributions monthly paid by the employers and employees (automatic deductions from the salary). But still some of the treatments may require separate payment as they may not be coverred by the general insurance. The biggest insurance company is Všeobecná Zdravotní Pojišťovna (VZP). 

 

EU citizens may dispose of an European Health Insurance Card (EHIC). Upon presentation of the EHIC, the insured person of one EU Member State is entitled to medically necessary healthcare in the territory of another Member State, taking into account the nature of the illness and the expected length of stay. Please note that the EHIC does not guarantee free treatment.
Expats without EHIC who are not employed by a Czech employer are not entitled to free medical care.