Healthcare and Insurance

Are you planning a long-term stay in the Czech Republic?

We, team of Aspretum a.s. company, are well settled here in order to assist and help you to get the best from the market offerings!

The Czech Republic health care system provides a very high level of professional medical care. As a foreigner seeking medical care in the Czech Republic, it is essential that the person has medical insurance to pay for the cost of care. In the Czech Republic, healthcare services are basically paid for by one of the public health insurance companies.

All individuals have to have insurance – it is mandatory that no qualifying individual can be denied coverage by a public health insurance company. In the case of employment, the employer pays for health insurance at the rate of 13.5% of your income (of which one-third is paid by the employee and two-thirds by the employer).

A foreign person participates in the public health insurance program and obtains the same rights to receive care paid for by public health insurance as other insured persons, if they are either of the following:

Foreign nationals without permanent residency in the Czech Republic and who are not employed in the Czech Republic cannot participate in the public health insurance program. In most such cases, these individuals will need to arrange for their own private health insurance. Such insurance is different from and independent of the public health insurance program. It is based on a contractual relationship (an insurance policy) entered into between the insured person and a private insurance company.

Below you will find six options for taking personal Health Insurance in the Czech Republic:

1. Health insurance for foreigners in case of necessary and urgent care is intended for foreigners who intend to stay in the Czech Republic for a maximum period of 90 days and apply for a short-term visa, or intend to reside in the Czech Republic for more than 90 days and apply for a long-term visa or long-term residency permit. This insurance is sufficient if the visa application is submitted to the Embassy of the Czech Republic abroad. The insurance is valid in the extent of necessary and urgent care throughout the Schengen area.

This insurance covers:
■  necessary and urgent examinations needed to establish the diagnosis and medical procedure
■  hospitalisation
■  outpatient prescription medications
■  dental treatment in case of acutely painful dental conditions
■  transport to a health-care facility
■  repatriation of the insured person, including the transport of remains to the home country of the insured person

Scope of Insurance: study, tourist and working stays

2. The comprehensive health insurance for foreigners is intended for foreigners who intend to reside in the Czech Republic for 90 days or longer and to apply for a long-term visa or long-term residency permit or to apply for an extension of a visa or residency permit. This insurance is necessary if the application for a visa or an extension of a visa or residency permit is submitted in the Czech Republic.

Comprehensive health care is provided in contractual health-care facilities in the Czech Republic. Insurance in the extent of necessary and urgent care also applies to stays of the insured person inthe Schengen area outside the territory of the Czech Republic, where each individual stay can last up to 30 days.

The insurance covers:
■  outpatient care
■  institutional medical care, including diagnostic, preventive and dispensary care
■  emergency care and rescue services
■  transport of the patient and provision of outpatient prescribed medications
■  repatriation of the insured person or bodily remains of the insured person
■  pregnancy and childbirth-related care

Coverage options:
STANDARD - covers comprehensive health care
MOTHER - includes comprehensive STANDARD health care plus post-natal health care for the insured person’s newborn

Scope of Insurance: study, tourist and working stays

 3. BASIC Foreigners’ Medical Insurance

Basic Foreigners’ Medical Insurance includes the reimbursement of costs of necessary and urgent treatment and hospitalization in all healthcare facilities within the Czech Republic within the necessary scope.

Additional insurance options: tourist/business stay, sports competitions / dangerous sports / extreme sports, indemnity limit from 1.7 to 2.1 million CZK for a single insured event

4. Foreigners’ Comprehensive Medical Insurance

Foreigners’ Comprehensive Medical Insurance includes the reimbursement of healthcare provided in a scope comparable to public medical insurance, with agreed limits and defined exclusions.

Additional insurance options: tourist/business stay, healthcare costs insurance for the Schengen area, professional sports – indemnity limit from 1.7 to 2 million CZK for a single insured event

5. PREMIUM Foreigners’ Medical Insurance

PREMIUM Foreigners’ Medical Insurance is above-standard insurance for foreigners with a long-term residence in the Czech Republic. It standardly guarantees healthcare in the scope comparable to Czech public medical insurance, and so it covers preventative examinations and vaccinations, medication and medical equipment costs and urgent dental treatment, prenatal and postnatal treatment of a mother.

Compared to the Foreigners’ Comprehensive Medical Insurance it includes the following additional services:

6. EXCLUSIVE Foreigners’ Comprehensive Medical Insurance EXCLUSIVE

This is a unique product on the market – Foreigners’ Comprehensive Medical Insurance EXCLUSIVE. It is the first commercial medical insurance for foreigners that is completely identical in its scope to public medical insurance in the Czech Republic. Compared to public medical insurance this product offers additional useful services.

This EXCLUSIVE package is designed for all foreigners regardless of age, who want to have a guarantee of first-class healthcare in the territory of the Czech Republic.

We invite you to enjoy our services and solutions.
We will be proud to serve you in supporting your Individual, Business or Corporate needs and ambitions here.


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Please contact us for further information and to see how we can effectively help you.

We are looking forward to proving the value of our services and solutions.

Thank you.