1. What are the available health insurance options and plans for expats in Czech Republic?

Expats in Czech Republic have various options for health insurance, including the following:

1. Public Health Insurance: As a member of the EU, citizens of the European Union, as well as citizens of Iceland, Liechtenstein, Norway and Switzerland can access free public health insurance in Czech Republic through their European Health Insurance Card (EHIC). This covers basic medical treatment and emergency care.

2. Czech National Health Insurance: Non-EU citizens residing in Czech Republic on a long-term basis (over 90 days) are required to have Czech national health insurance. This can be accessed through employment or self-employment in Czech Republic.

3. Private Health Insurance: Expats from non-EU countries who will not be working or studying in Czech Republic can purchase private health insurance to cover any medical expenses they may incur during their stay. This type of insurance is also recommended for expats who want more comprehensive coverage than what is offered by public or national health insurance.

4. International Health Insurance: Some expats may prefer to purchase international health insurance, which offers more global coverage than private or national plans.

Some popular national and international health insurance providers available to expats in Czech Republic include AXA PPP Healthcare, Cigna Global, Aetna International, Allianz Care and Bupa Global.

2. What is covered under the public healthcare system?

In Czech Republic, public healthcare covers basic medical treatments and emergency care for citizens and residents who are members of the national health insurance scheme. This includes:

– Visits to general practitioners
– Prescribed medications
– Basic laboratory tests
– Hospital stays
– Emergency treatments

However, there may be additional fees for certain medications or treatments that are not deemed medically necessary.

3. What is covered under the private healthcare system?

Private healthcare options in Czech Republic offer more comprehensive coverage than public healthcare. Depending on the plan chosen, private healthcare can cover a wider range of medical treatments and services, including:

– Specialized medical treatments
– Dental care
– Alternative therapies
– Preventative care
– Extended hospital stays

It is important to carefully review the coverage and exclusions of a private healthcare plan before purchasing, as they may vary among providers.

4. How do I choose the right health insurance plan for me?

When choosing a health insurance plan in Czech Republic, consider the following factors:

1. Coverage needs: Take into account your current and potential future healthcare needs when selecting a plan. If you have any pre-existing conditions or require certain medications or treatments, make sure they are covered under the plan.

2. Cost: Different plans will have different premiums, deductibles, and copayments. Consider your budget and choose a plan that offers adequate coverage at an affordable cost.

3. Inclusions and exclusions: Review the list of inclusions and exclusions carefully to ensure that the plan covers all necessary medical treatments and services.

4. Network of providers: Be sure to check if your preferred doctors or hospitals are included in the network of providers for the insurance plan you are considering.

5. Customer reviews: It can also be helpful to read reviews from current or past customers of the insurance provider to get an idea of their experience with the company’s coverage and customer service.

5. Are pre-existing conditions covered under health insurance plans in Czech Republic?

For public health insurance, pre-existing conditions are generally covered (as long as they were not intentionally withheld at the time of enrolling). However, private health insurance providers may have different policies regarding pre-existing conditions. Some may cover them with no waiting period, while others may impose a waiting period before covering any related health issues. It is important to review each individual policy’s terms and conditions regarding pre-existing conditions before purchasing a plan.

6. Can I use my home country’s health insurance in Czech Republic?

EU citizens can use their European Health Insurance Card (EHIC) to access free emergency medical treatment in Czech Republic. However, this may not cover all necessary treatments and expats are advised to also have private or international health insurance.

Non-EU citizens will need to purchase a separate health insurance plan for their stay in Czech Republic, as most countries’ health insurance policies do not extend outside their borders.

2. Is it mandatory for expats to have health insurance in Czech Republic?

Yes, it is mandatory for expats to have health insurance in Czech Republic. As an expat, you are required to have health insurance that meets the minimum requirements set by the Czech government.

3. What type of health insurance do I need as an expat in Czech Republic?
As an expat in Czech Republic, you will need to have either public or private health insurance. The type of health insurance you need will depend on your specific circumstances and whether you are employed or self-employed.

If you are employed, your employer will typically provide you with public health insurance through the state-run system. If this is not the case, you must obtain private health insurance.

If you are self-employed or a freelancer, you are responsible for obtaining your own private health insurance.

4. How much does health insurance cost in Czech Republic?
The cost of health insurance in Czech Republic can vary depending on factors such as age, pre-existing conditions, and the type of coverage chosen. On average, monthly premiums can range from 1,500 CZK (approximately $70 USD) to 6,000 CZK (approximately $280 USD).

5. Are pre-existing conditions covered by health insurance in Czech Republic?
Yes, pre-existing conditions are covered by both public and private health insurance in Czech Republic. However, coverage for pre-existing conditions may be subject to waiting periods or exclusions depending on your specific policy.

6. Can I use my home country’s health insurance while living in Czech Republic?
It is possible to use your home country’s health insurance while living in Czech Republic under certain circumstances. If you are a citizen of an EU/EEA country or Switzerland and hold a valid EHIC card (European Health Insurance Card), you may be able to access emergency medical treatment during a temporary stay in Czech Republic.

However, if you plan on living and working long-term in Czech Republic, it is recommended that you obtain local health insurance to ensure you have proper coverage and access to healthcare services.

7. Can I choose my own doctor or healthcare provider with Czech health insurance?
Yes, with both public and private health insurance in Czech Republic, you can choose your own doctor or healthcare provider. However, some public insurance plans may have a list of preferred doctors or facilities that you must use in order to receive full coverage.

8. Is dental care covered by health insurance in Czech Republic?
Dental care is not fully covered by public health insurance in Czech Republic. Some basic dental procedures may be partially covered, but most expats choose to obtain additional private dental insurance for more comprehensive coverage.

9. Can I cancel my health insurance in Czech Republic if I leave the country?
If you are an EU/EEA citizen leaving Czech Republic permanently, you can cancel your public health insurance as long as you provide proof of registration with a new EU/EEA state’s national health service.

If you are a non-EU/EEA citizen leaving the country permanently, you can cancel your private health insurance by submitting a written cancellation request and providing proof of your permanent departure from Czech Republic.

10. How do I choose the right health insurance plan for me in Czech Republic?
To choose the right health insurance plan for you in Czech Republic, it is important to consider your specific needs and circumstances. You may want to consult with an insurance broker or do research on various options before making a decision. Additionally, it is recommended to compare prices and benefits from multiple providers to find the best plan for your budget and needs.

3. What is the average cost of health insurance for expats in Czech Republic?

The average cost of health insurance for expats in Czech Republic varies depending on factors such as age, coverage level, and medical history. On average, a basic health insurance plan can cost between 2,000 to 5,000 Czech korunas (approximately $90 to $225) per month. Expats with pre-existing conditions or those who require more comprehensive coverage may have higher premiums.

It is recommended that expats compare different insurance plans and consult with a reputable insurance provider to determine the best coverage and pricing options for their specific needs.

4. Are there any government-sponsored health insurance programs for expats in Czech Republic?

Yes, there are government-sponsored health insurance programs available for expats in Czech Republic. These include:

– Public Health Insurance: All employed individuals in Czech Republic are required to have public health insurance through the state-run system. This includes expats who are eligible for work permits.

– Voluntary Health Insurance: Expats who do not qualify for public health insurance or who wish to have additional coverage can opt for voluntary health insurance from private insurance providers.

– EU Health Insurance Card: Expats from other EU/EEA countries and Switzerland can use their European Health Insurance Card (EHIC) to receive healthcare services in Czech Republic at a reduced cost or for free.

– Contracted International Health Insurance: Expats from non-EU/EEA countries can also purchase contracted international health insurance plans that meet the minimum coverage requirements set by the Czech government.

– Bilateral Agreements: The Czech Republic has bilateral agreements with certain countries, such as Canada, that allow their citizens to access public healthcare in both countries at reduced costs.

5. Can I use my home country’s health insurance while living in Czech Republic?

It is not possible to use your home country’s health insurance while living in the Czech Republic. All residents, regardless of nationality, are required to have insurance from a Czech insurance provider. Foreigners staying in the Czech Republic for longer than 90 days must obtain public health insurance or purchase private health insurance that meets the same minimum coverage requirements as the public insurance.

6. How does the healthcare system work for expats in Czech Republic?

The healthcare system in Czech Republic is generally regarded as one of the best in Europe and offers high quality services at a relatively low cost. Expats are eligible to access the public healthcare system if they have employment, permanent residence permit, or hold an EU Blue Card. They can also opt for private health insurance if they prefer.

Upon arrival, expats must register with a local health insurance company and obtain a health insurance card. This card allows them to access public healthcare services without paying out-of-pocket costs. However, there may be some fees for prescription drugs and non-urgent visits.

The public healthcare system covers most medical services including consultations, hospitalization, diagnostic tests, and emergency care. Patients can choose their primary care physician from a list of registered doctors within their district.

Expats can also use private healthcare facilities for faster appointments and shorter waiting times. Private insurance plans often cover extra benefits such as dental care and alternative treatments.

In case of emergencies, expats should call 112 for an ambulance or seek immediate assistance at a public hospital’s emergency department.

It is recommended that expats research both the public and private healthcare options available to them in order to make an informed decision about which best suits their needs and budget.

7. Do I need to have a certain level of income to be eligible for health insurance as an expat in Czech Republic?

No, there is no income requirement for expats to be eligible for health insurance in Czech Republic. However, you will need to pay monthly premiums based on your income level and the type of insurance plan you choose.

8. Are pre-existing conditions covered under the expat health insurance plans in Czech Republic?

Pre-existing conditions may not be covered under expat health insurance plans in Czech Republic, depending on the policy and insurance provider. It is important to thoroughly read and understand the terms and conditions of the policy before purchasing to ensure that any pre-existing conditions will be covered. Some policies may cover pre-existing conditions, but with limitations or exclusions, so it is important to clarify this with the insurance provider.

9. What is the process of applying for health insurance as an expat in Czech Republic?

1. Determine your eligibility: As an expat in Czech Republic, you are eligible for public health insurance if you have a visa or residence permit and work or study in the country.

2. Choose your insurance provider: In Czech Republic, there are two types of health insurance: public (state) and private. It is mandatory for all residents to have health insurance, so you will need to choose a provider that best suits your needs.

3. Obtain necessary documents: You will need to have a valid passport, visa or residence permit, and proof of employment or enrollment in school in order to apply for health insurance.

4. Register at a local branch office: Visit the nearest branch office of your chosen insurance provider with all the necessary documents to initiate the registration process.

5. Complete the registration form: Fill out the required registration form and submit it along with your passport and other supporting documents.

6. Pay the required fees: There may be an initial registration fee along with monthly premiums that you will need to pay depending on your chosen insurer.

7. Enroll in Public Health Insurance: If you choose a public (state) health insurance provider, they will enroll you in the public healthcare system and provide you with an identification card.

8. Get covered by Private Health Insurance: If you opt for private health insurance, make sure that it complies with the minimum coverage requirements set by law.

9. Renew Your Insurance Coverage Annually: Your health insurance coverage needs to be renewed on an annual basis by paying the applicable premiums.


Note: It is recommended that you consult with a local insurance broker or agent who can guide you through the process and help you find the best plan for your specific needs as an expat in Czech Republic.

10. Are routine check-ups and preventative care covered under expat health insurance plans in Czech Republic?

Yes, routine check-ups and preventative care are typically covered under expat health insurance plans in Czech Republic. This may include annual physical exams, vaccinations, and screenings for common health conditions. However, the specific coverage may vary depending on the individual insurance plan and provider. It is important to review the details of your policy to understand what preventative care services are included.

11. Can I choose my own doctor or hospital with the provided health insurance options in Czech Republic?

The answer to this question may vary depending on the specific health insurance plan you choose. In general, most Czech health insurance plans allow you to choose your own doctor or hospital, as long as they are within the network of providers covered by your plan. Some plans may restrict your choice of providers more than others, so it is important to research and compare different options before making a decision. Additionally, emergency care is typically covered by all health insurance plans in Czech Republic, regardless of the provider or hospital used.

12. What documents do I need to provide when applying for health insurance as an expat in Czech Republic?

The specific documents required may vary depending on the health insurance provider you choose, but generally, you will need to provide:

1. A valid passport or identification document
2. Proof of your residency status in Czech Republic (such as a visa or residence permit)
3. Your address in Czech Republic
4. Your contact information (phone number and email)
5. Your date of birth
6. Details about your current medical conditions, if any
7. Any previous medical records or health insurance coverage information
8. A completed application form for the chosen health insurance provider
9. Proof of payment for the health insurance premiums

It is best to check with your chosen health insurance provider for their specific requirements and whether any additional documents may be needed.

13. Do I have to pay upfront for medical treatments or will my claims be reimbursed by the insurer?

This depends on your insurance policy. Some plans may require you to pay upfront and then submit a claim for reimbursement, while others may offer direct billing where the insurer pays the medical provider directly. You should review your policy or contact your insurance provider for more information on how medical expenses will be handled.

14. Are prescription drugs covered under expat health insurance plans in Czech Republic?

Yes, prescription drugs are typically covered under expat health insurance plans in Czech Republic. However, coverage can vary depending on the specific policy and provider. It is best to review the details of a policy before purchasing to ensure that it includes coverage for prescription drugs. Additionally, some policies may have restrictions or limitations on certain types of medications or require prior authorization from a doctor. It is important to check with the insurance provider for specific information about coverage for prescription drugs.

15. In case of emergencies, does the health insurance cover medical evacuation expenses?

It depends on your specific health insurance policy. Some policies may cover medical evacuation expenses in cases of emergencies, while others may not. It is important to carefully review your policy or speak with a representative from your insurance provider to understand what is covered in case of emergencies.

16. Are dental and vision care included in expat health insurance plans in Czech Republic?

Many expat health insurance plans do cover dental and vision care in Czech Republic, although this may vary depending on the specific plan. Some plans may offer these services as add-on options for an additional cost, while others may include them in their basic coverage. It is important to carefully review the details of a health insurance plan to determine if dental and vision care are covered and to what extent.

17. How long does it take to get coverage after purchasing a plan as an expat in Czech Republic?

The length of time it takes to get coverage after purchasing a plan as an expat in Czech Republic can vary depending on the type of insurance and the specific policy terms. In general, it can take anywhere from a few days to a couple of weeks for coverage to become effective. It is important to read and understand the terms of your chosen insurance policy to know when exactly your coverage will begin. Some policies may have waiting periods before certain benefits are available, so it is important to plan ahead and purchase insurance in advance of needing it.

18. Can I tailor my coverage based on my specific needs and budget as an expat living in Czech Republic?

Yes, you can tailor your coverage based on your specific needs and budget as an expat living in Czech Republic. Many insurance companies offer customizable plans that allow you to choose the type and level of coverage you need. You can also add additional coverage options, such as dental or vision insurance, to your plan for an extra cost. It is important to carefully review and compare different options before selecting a plan that meets your unique needs and budget.

19.For how long can I keep my international/expat health insurance if I decide to leave Czech Republic and move to another country?

The length of time you can keep your international/expat health insurance may vary depending on your specific policy. It is important to check with your insurance provider for the specific terms and conditions of your policy. In some cases, you may be able to maintain coverage for a certain period of time after leaving Czech Republic, as long as you continue paying your premiums. However, if you plan on living in another country for an extended period of time, it may be necessary to switch to a new insurance policy that covers the healthcare needs of that country.

20. Are there any exclusions or limitations on coverage for expats in Czech Republic?

There may be certain exclusions or limitations on coverage for expats in Czech Republic, depending on the specific insurance plan and provider. Some possible examples of exclusions or limitations could include:

1. Pre-existing conditions: If you have a pre-existing medical condition, it may not be covered by your health insurance plan for a certain period of time after you arrive in Czech Republic.

2. High-risk activities: Some insurance plans may exclude coverage for injuries sustained during participating in high-risk activities such as extreme sports or adventure activities.

3. Substance abuse: Treatment or services related to substance abuse may not be covered under your health insurance plan.

4. Mental health care: Some insurance plans may have limited coverage for mental health services, or may require prior authorization before covering these services.

5. Temporary stays outside Czech Republic: If your health insurance plan is limited to providing coverage only within Czech Republic, any medical care received outside of the country may not be covered.

It is important to carefully review the terms and conditions of your insurance policy to understand any potential exclusions or limitations before purchasing coverage. You can also speak with an insurance representative for more information about what is and is not covered by your specific plan.