Compare comprehensive (komplexní zdravotní pojištění cizinců) policies from every ČNB-authorised insurer in one English form. €400,000 minimum cover per insured event, no cost-sharing.
Verified · ČNB register€400,000
Min. cover
11+
ČNB-authorised
€0
Cost-sharing
ČNB-authorised broker
Registered intermediary; verify at jerrs.cnb.cz
ČAP member
Operates within the Czech Insurance Association code of conduct
Independent broker
Quotes every ČNB-authorised insurer, not tied to one carrier
English-first support
Quotes, certificate, and claims in English (RU / UA on request)
Foreigner health insurance in Czechia is commercial (not public) health insurance — comprehensive (komplexní zdravotní pojištění cizinců) — that non-EU nationals must hold when applying for a long-stay visa (dlouhodobé vízum) or long-term residence permit (povolení k dlouhodobému pobytu) under Act No. 326/1999 Coll. (Zákon č. 326/1999 Sb.), §180j. Minimum cover is €400,000 per insured event with no cost-sharing (bez spoluúčasti).
Czechia runs public health insurance (veřejné zdravotní pojištění) under Act No. 48/1997 Coll. for permanent residents and employees of Czech employers, and commercial cover for everyone else. Long-stay applicants from outside the EU/EEA/Switzerland/UK who do not yet qualify for the public system must purchase a Czech-law-compliant commercial policy.
A compliant policy is portable across Czechia, applies from the first koruna spent on care (no excess), and meets the €400,000 floor introduced by the September 2023 amendment. The contract is between you and a Czech-authorised insurer; the broker sources the quotes and stays with you through any claim.
First-use pairs: comprehensive ↔ komplexní zdravotní pojištění cizinců; long-stay visa ↔ dlouhodobé vízum; long-term residence permit ↔ povolení k dlouhodobému pobytu; no cost-sharing ↔ bez spoluúčasti. Sources: ipc.gov.cz/en; en.vzp.cz/information/healthcare-for-foreigners; §180j of Act No. 326/1999 Coll.
On 20 September 2023, an amendment to Act No. 326/1999 Coll. ended the monopoly of Pojišťovna VZP (PVZP) over comprehensive foreigner health insurance. Since that date, any insurance company authorised by the Czech National Bank (ČNB) may issue a compliant policy, the statutory minimum cover is €400,000 per insured event, and cost-sharing is banned.
Only one insurer (Pojišťovna VZP — historical monopoly, context only) could legally sell comprehensive foreigner health insurance accepted for in-territory long-stay filings. The previous baseline used a €60,000 reference figure for the basic tier.
Any ČNB-authorised insurer may issue a comprehensive policy that meets the €400,000 minimum cover per insured event with no cost-sharing (bez spoluúčasti). The full list of authorised insurers is public: cnb.cz/en/supervision-financial-market/lists-registers/.
More choice, more competitive pricing, and English-first service appearing across the market. Source: IPC explainer at ipc.gov.cz/en/forms-and-documents/documents/medical-insurance/ (ret. 2026-05-19).
Czechia separates non-EU long-stay visa applicants from permanent residents and employees of Czech employers. The first group buys commercial cover; the second is in the public system. The table maps each common case to the right product and the office that approves it.
Bilateral social-security treaties may route working applicants to public insurance — US, Japan, Turkey, North Macedonia, Serbia, Montenegro, Albania, Tunisia, Syria. Confirm with VZP.
Choose comprehensive (komplexní) cover whenever your long-stay application is filed inside Czechia — OAMP will not accept a basic policy in that case. Choose necessary-and-urgent (nutná a neodkladná péče) only for short-stay visas (≤90 days) or for the first 90 days of an embassy-filed long-stay application.
If the visa application is lodged at a Czech embassy abroad, basic is acceptable for the first 90 days; once inside the Czech Republic, OAMP requires comprehensive.
always
always
always; carrier sublimits typically €200 / €400 / €1,000
comprehensive
comprehensive only
comprehensive only
comprehensive only, after qualifying period
comprehensive only
comprehensive only
excluded in most variants. Higher Premium / Exclusive tiers offered by some ČNB-authorised carriers may cover at higher premium
check your terms)
Tip: Out-of-pocket pharmacy purchases are usually reimbursed only when the receipt exceeds 100 Kč. Keep originals. Sources: IPC (ipc.gov.cz/en); en.vzp.cz (both ret. 2026-05-19).
If you're not sure which list applies to you, see which tier do I need? first.
Buying a Czech foreigner health insurance policy is a five-step process: confirm the tier required for your visa, pick a ČNB-authorised insurer, buy online, submit the certificate at OAMP or your Czech embassy, and — if the policy is foreign-issued — attach a certified Czech translation (ověřený překlad).
Use the tier comparison and the coverage list. Filing inside Czechia means comprehensive.
Verify the carrier in the public ČNB register at cnb.cz/en/supervision-financial-market/lists-registers/. DigiCare's quote already filters out non-authorised carriers.
Pay the premium and receive the certificate (doklad o cestovním zdravotním pojištění). Most Czech insurers issue the certificate bilingually in Czech and English on request — ask before paying.
Long-stay visas filed abroad go via the Czech embassy. In-territory submissions go via OAMP (Odbor azylové a migrační politiky MV ČR) or the Foreigner Police (Cizinecká policie) for some procedures.
Both the contract and the general terms — the most common reason OAMP rejects an application. The simplest workaround is buying from a ČNB-authorised Czech insurer that issues bilingual certificates by default.
Always cross-check the carrier on the ČNB register at jerrs.cnb.cz before paying. Sources: IPC (ipc.gov.cz/en); MV ČR (mv.gov.cz/mvcren/); ČNB register (all ret. 2026-05-19).
A comprehensive (komplexní) foreigner health insurance policy in Czechia typically costs from ~15 000 Kč for 6 months for a younger applicant, and 8 000 Kč to 35 000 per year overall depending on age, duration, and tier. Figures updated 2026.
A published benchmark sits near 22 000 Kč for 24 months on a comprehensive-PLUS plan for a younger applicant (data-only, not a DigiCare quote). The €400 000 statutory minimum cover sets the price floor.
Last updated: 19.05.2026. Source: IPC (€400 000 floor — ipc.gov.cz/en, ret. 2026-05-19).
Three audiences need a different reading of the same rules.
A long-term residence permit for study requires comprehensive (komplexní) cover, unless an Erasmus or Fulbright exemption applies — confirm with your programme office. Some carriers publicise a convenient under-30 student rate. EURAXESS-affiliated researchers have a dedicated channel at euraxess.cz, and the Ministry-of-Education-affiliated portal studyin.cz documents the procedure. Indian, Vietnamese, and Filipino students should also check the bilateral social-security treaty list in the compliance table.
A spouse or adult dependent on a family-reunification visa (žadatelé o slučování rodiny) needs their own comprehensive policy. The 1 January 2024 amendment changed the picture for under-18s: from the day a child collects their biometric DP-1 long-term residence card, they are automatically enrolled in the public health insurance system. The commercial policy for the child can be cancelled with refund for the unused period. Parents and spouses without Czech employment stay on commercial cover.
Holders of temporary protection (držitelé dočasné ochrany) are in a SEPARATE LEGAL REGIME under the Lex Ukrajina framework and Act No. 48/1997 Coll. — they sit in the public health insurance system, not the commercial one. The product on this page is NOT what you need if you hold temporary protection. Sources: studyin.cz; euraxess.cz; IPC; en.vzp.cz (all ret. 2026-05-19).
DigiCare CZ is a ČNB-authorised independent broker, not a carrier. We compare comprehensive (komplexní zdravotní pojištění cizinců) policies from every authorised Czech insurer in a single English form. Carriers translate landing pages but often default to Czech for the application flow, customer service, and claim — we stay in English end-to-end.
Not tied to any single carrier. Your shortlist is built from every ČNB-authorised insurer with a compliant comprehensive policy.
One English form replaces five carrier websites that each ask for the same information in slightly different Czech.
Native English support plus Russian and Ukrainian on request. The certificate is issued bilingually in Czech and English so OAMP and the Foreigner Police accept it without translation.
When you buy via DigiCare, no certified translation is needed for the OAMP submission. If you bring a foreign-issued policy, we still point you to a sworn translator. Source: ČNB register (cnb.cz/en/supervision-financial-market/lists-registers/, ret. 2026-05-19).
Chapter VI
Compare ČNB-authorised insurers, pay online, and receive a bilingual Czech-English certificate (doklad o cestovním zdravotním pojištění) accepted by OAMP and Czech embassies.
