Insurance for Foreigners
Foreigners visiting the European Union, including the Czech Republic, must have insurance, regardless of whether they hold a residence permit or not—be they tourists, diplomats, athletes, or others. The legal requirements for mandatory insurance vary based on the duration of the foreigner’s stay in the Czech Republic:
1. Short-term Stay (up to 90 days):
If a foreigner is applying for a visa (residence permit) or visiting as a tourist, they must have at least medical insurance that covers emergency care. The coverage amount must be equivalent to at least €60,000.
2. Long-term Stay (more than 90 days):
For stays longer than 90 days, the law requires more comprehensive medical insurance. This coverage must include not only emergency care but also services such as general practitioner visits, referrals to specialists (e.g., cardiologists, gastroenterologists, urologists, and gynecologists), examinations, and tests. This insurance may also partially or fully cover medications, with a minimum coverage amount equivalent to €400,000.
Detailed Overview of Residence Permits and Insurance Requirements
1. Newly Arriving Foreigners (tourists, visa applicants, participants in events, etc.):
They can choose between insurance that covers only emergency medical care or a comprehensive policy. Emergency care insurance suffices if the visa application is submitted outside of the Czech Republic, typically in the applicant's home country.
2. Foreigners Working or Starting a Business (self-employed) in the Czech Republic:
These individuals are required to have mandatory public health insurance. Their minor children are also covered under this insurance without additional costs.
3. Foreigners Studying, Reuniting with Family, or Starting a Business - own company s.r.o. for example (also Student Visa or Family Reunification):
They must purchase comprehensive health insurance with a minimum coverage amount of €400,000. While emergency care insurance may be sufficient for the first 90 days, it is often more economical to opt for comprehensive insurance for a year or longer, even if the decision on the residence permit is pending.
4. Permanent Residence Permit Holders:
These individuals must have public health insurance, which can be linked to their employment or self-employment.
New arrivals in the Czech Republic can usually obtain private insurance from a limited number of specially accredited insurance companies.
For a detailed review of these insurance products and the option to order insurance online, please visit Insurance Comparison for foreigners from AXA Assistance in the Czech Republic.