Czech Complex/Comprehensive health insurance

Complex/Comprehensive health insurance is designed by law to give non Czechs the same rights and access to the Czech health care system as Czech people have through the Czech state system.

Most of the Complex/Comprehensive health insurance that you can purchase online is all very similar but there are some important differences from state health insurance and some of the insurance is slightly different from company to company.

The difference between Czech state health insurance and Czech private health insurance

• Czech state health insurance is unlimited in scope and basically covers all illnesses without limit or deductible
• Czech private health insurance is usually limited to 10,000,000 Kc per illness
• Czech state health insurance covers pre exiting health conditions
• Not all private health insurance covers pre existing health conditions
• Czech state health insurance covers pregnancy and childbirth
• Not all private health insurance covers pregnancy and childbirth
• Foreigners who are employed on a Czech employment contract should have state health insurance
• Czech private health insurance is for non Czechs who are resident in CR and are not empolyed. Although there are some caviats with this rule, such as children with a valid long-term residence permit

Comprehensive health insurance for foreigners

• Comprehensive Health Insurance for Foreigners has the scope of extended health care beyond necessary and urgent health care.
• covers necessary and urgent health care in case of sudden illness or accident in the Schengen Area
• repatriation or transport of the corpse of the Insured to the home country included
• possibility of supplementary civil liability insurance

• Outpatient care
• Treatment in hospital
• Costs of comprehensive health care and transport of the Insured
• Repatriation or transport of remains to the home country
• Urgent dental treatment and costs of dental care of the Insured
• Costs of outpatient prescription medication for the Insured
• Costs for all routine checkups and vaccinations of children according to the Czech vaccination calendar
• Costs of necessary and urgent care outside the Czech Republic (Schengen Area)
• Related assistance services

Necessary and urgent health care insurance

• covers the costs associated with an acute medical intervention
• in the case of a Schengen type contract, the insurance also covers the necessary and urgent care in the Schengen Area
• applies to medications prescribed by a doctor and to acute dental treatment
• the health condition of the Insured is not examined before the conclusion of the contract
• a child can be insured from the age of 12 months
• student discount program

All the insurance we provide meets Czech visa regulations.

If you have specific questions about this type of health insurance contact us with your questions and we will do what we can to help.