travel medical insurance for czech republic

Top Travel Insurances for Czechia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Czechia is one of Europe's most quintessentially 'European' travel destinations with historic cities, deep forests, and a medieval cultural heritage such as the famous Prague Castle. Although travelling to Czechia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Czechia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Czech Republic Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Czechia:

Best Travel Insurances for Czechia

• 01. Should I get travel insurance for Czechia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Czechia scroll down

Heading to Czechia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Czechia?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Czechia. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the Czech Republic or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Czechia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Czechia. It lets you choose between various plans tailored to meet the specific needs of your trip to Czechia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Czechia:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Czechia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to the Czech Republic

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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Comprehensive health care insurance KOMPLEX It is intended for foreigners who are permanently staying in the territory of the Czech Republic and are not participants in public health insurance. It can also be used to extend the stay.

• outpatient and inpatient health care
• preventive care
• dispensary care
• emergency care and rescue services
• prescription drugs
• transportation of the sick
• repatriation of the insured or transport of mortal remains

Comprehensive health care insurance KOMPLEX+ It also extends insurance protection to professional athletes or clients who participate in publicly organized competitive sports activities, matches or races, including preparation for them.

Comprehensive health care insurance KOMPLEX2 It also extends insurance coverage to women who are planning childbirth.

• health care costs related to pregnancy and childbirth
• the cost of postnatal healthcare for a newborn up to the first 14 days of his life
• the waiting period for pregnancy and childbirth does not apply

Necessary and urgent care Insurance BASIC It is intended for foreigners who apply for a visa at a Czech embassy abroad or arrange insurance in the Czech Republic. However, it cannot be used to extend the stay.

• Emergency care and rescue services
• transportation to a medical institution
• determination of diagnosis and treatment procedure
• urgent and necessary medical procedures, including necessary medicines and medical supplies
• treatment in hospital

The insurance serves as proof of travel health insurance for foreigners during a stay of more than 90 days according to Act 326/1999 Coll., on the stay of foreigners in the territory of the Czech Republic, as amended.

Supplementary insurance options

Besides the UNIQA health insurance for foreigners, you can order a complementary insurance.

Additional liability insurance

covers property damages or health injuries, for example when another person’s things are broken, the neighbor’s property is flooded, injuring a fellow player during sports

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Private UNIQA health insurance for foreigners covers healthcare costs according to the range of the insurance selected, foreigners’ second stay, and according to the health service provider. It fulfills the condition of law no. 326/1999 Coll.

Contractual medical facilities - please contact the assistance servise + 420 234 280 234

Do you have questions about the UNIQA’s insurance? Write us an e-mail [email protected], and we will get back to you.  

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Travel Insurance to Czech Republic

Purchase insurance online on the website. Payment by any bank card. The insurance policy will be sent to your email within 3-5 minutes after payment. Valid worldwide electronically or print yourself

The insurance is valid in any country of the world

Any nationality

Insurance is suitable for citizens from any country and with any citizenship

The insurance is valid for people from 1 to 100 year old

Visa & Embassy

Insurance is suitable for submitting documents to the embassy and applying for a visa

The perfect travel health insurance that quickly solves problems of the tourist

The best health insurance for tourists. A single convenient tariff plan that includes all options. Price 1,5 USD for each day of travel

• Coverage of treatment for COVID-19
• Coverage for the treatment of other viral diseases
• Medication provision
• Treatment due to injury
• Calling a doctor
• Examination / doctor's consultation
• Emergency dental care
• Obstetric care until the 27th week
• Outpatient treatment
• Inpatient treatment
• Emergency call
• Calling a taxi to the hospital
• Transportation by medical aviation
• Medical evacuation to the country of residence
• Medical care
• Repatriation of the body to the homeland
• Burial in place
• Monetary compensation as a result of damage to the life or health of third parties
• Monetary compensation as a result of moral damage caused to third parties
• Monetary compensation as a result of damage to the property of third parties
• Transportation after inpatient treatment
• Depositing the deposit necessary for the release of the insured person from arrest

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Insurance details:

Trip duration:

Tourists: 1

Insurance includes:

35,000 USD (deductible 100 USD) , Calm

• 500 000 USD
• 1 000 000 USD
• Student Specially for students
• Work Accredited insurance for work
• Calm Fitness, yoga and pilates
• Extreme Wakeboard, freeride, wrestling
• Sport Competitions, training and camps
• Cruise For cruise ship travel

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Medical coverage on 35,000 USD (deductible 100 USD) , Calm

Outpatient care, emergency doctor visits, dentistry, prescription drug costs

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Tourist No. 1

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We recommend including additional insurance in the policy

No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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Frequently asked questions

What is a deductible, is travel insurance required, can i buy an insurance policy when i am already in another country, when does the insurance policy take effect, in what language should i write the information when buying, what should i do if the data is entered incorrectly, how to buy insurance for a child, how to issue an insurance policy for another person, which country should be indicated in the policy if i plan to travel to two or more countries in a row, what should i do if the payment has not gone through, how long does it take to receive the insurance policy after payment, how will the policy be sent, i have not received my policy. what should i do, what to do if an insured event occurs, how is monetary compensation after an insured event carried out, can i buy insurance for one day, is it necessary to buy insurance when flying on a transit flight, select a country and language, write to the director, type of travel.

Please select the type of travel that covers the majority of risks during your trip.

• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
• Weightlifting and bodybuilding;
• Cycling (except road cycling, cycling motocross, cycling track, cycling triathlon, and mountain biking);
• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
• Jeep safari;
• Surfing (including windsurfing and wakesurfing, except skysurfing);
• Sandboarding;
• Unaccompanied animal riding (including horseback riding);
• Sports and ballroom dancing.
• Motor sports on special tracks;
• Arm wrestling;
• Bungee jumping, rope jumping, and other types of bungee jumping;
• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
• Amount of compensation in case of an accident
• Return of adults
• Returning home minor children
• Standart loss of baggage
• Flight delay over 4 hours
• Loss of documents
• Expenses for staying abroad
• Payment of attorney's services
• Payment of interpreter services
• Reimbursement of costs for the preparation of documents necessary for returning to the country of permanent residence
• Reimbursement of losses that led to breakdown or damage of rented / rental sports equipment
• Payment of the cost of telephone communication
• Car transportation to the nearest service station
• Return of the driver and passengers to the country of permanent residence
• Sudden technical breakdown or damage due to a road accident

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Arrange insurance ONLINE

According to the Law concerning Residence of Foreigners on the territory of Czech Republic, which was established on the 1st of January 2010, every foreigner who is staying in the country and has over 90 days visa as well as permission for a long-term stay, is obliged to have a  comprehensive medical insurance , which was issued only by Czech insurance company.  In case you need to prolong your residence permission in Czech Republic you need to have a full set of documents which must also include Czech comprehensive medical insurance with a full coverage of 1 500 000 crones (60 000 EUR).  In case you need to obtain short-term visa which is based on tour or an invitation of Czech individual or legal entity, you will only need  basic medical accident insurance  with a total coverage of 1 000 000 crones (40 000 EUR).  If you are going to Czech Republic through neighbor countries you will also need only basic accident insurance in addition to your Schengen program.  You are recommended to pay a lot of attention to the reputation of insurance company while making your choice. Here is the list of companies which have already proved their reliability and high level of professionalism in the field of insurance: - Pojišťovna VZP, a.s.  - UNIQA pojišťovna, a.s.  - SLAVIA pojišťovna, a.s.  In order to choose the most suitable type of insurance and sign an insurance agreement you can do it online or visit  Insurance Center for Foreigners at: -    PRAGUE 1, Václavské náměstí 48 Find more detail in Contact section.

Our specialists will consult you on any questions concerning insurance and will pick up the insurance suitable for you

I needed to get a comprehensive insurance with 60.000 EUR coverage for my student visa in the Czech Republic and I bought it online on Pojisteni-cizincu.cz with no problem. I chose Uniqa as it's a big and reliable international company. They sent me all the required papers for the Embassy and I got a plastic card at the office in Prague at Mustek. Thanks, will come again.

I'm using Foreigners' Insurance Center in Prague for several years already. Previously I had the cheapest Maxima insurance for two years, now I got an insurance from Slavia and pVZP for my children who are studying at the moment. My sister had an insurance for pregnant and was happy with the service. We always get all the answers we need, about the price, what is covered and the list of facilities where we can use the insurance. Highly recommend!

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InfoCizinci

Information for foreigners living in the Czech Republic

Health insurance for foreigners in the Czech Republic

Health insurance for foreigners Tips 05/08/2023 Natela Ismail

Health insurance for foreigners in the Czech Republic will allow you to use the variety of medical services from different health facilities and it will protect you in case of an injury, illness or other health problems. Due to the law about the stay of foreigners, every foreigner who is not a holder of the European health insurance card EHIC and is not a citizen of the state which has a bilateral agreement with the Czech Republic, is obliged to present a proof of Travel Health Insurance for Foreigners.

>> Health insurance calculator for foreigners <<

Travel health insurance for foreigners in the Czech Republic

As a proof of travel health insurance for foreigners can be used as a document, which includes the following information from the insurance company:

• Insurance period (insurance has to be arranged for the whole stay in the Czech Republic)
• Insurance coverage (insurance contract should cover all expenses of Acute and Emergency health care. Those are also expenses connected to transfer to the medical facility or repatriation.)
• Insurance cover limit (Insurance cover limit for one insured event has to be minimally 60.000 EUR )

The insurance contract has to include also coverage in case of injury which was caused intentionally or as a result of narcotic/psychotropic substances or consumption of alcohol.

What are the types of travel health insurance for foreigners ?

Foreigner’s health insurance is divided into two main types: Acute and emergency health care insurance ( at PVZP insurance company it is called Basic health insurance for foreigners ) and Comprehensive health insurance for foreigners .

Comprehensive health insurance for foreigners or Acute and emergency care, what should I choose?

Choosing the right health insurance is not difficult, but it depends on different factors.

Firstly, it is important to consider your type and period of stay in the Czech Republic. Also, it depends on your preferred coverage and situation.

For example Comprehensive health insurance for foreigners is appropriate for families with children, since it covers also the necessary vaccination and preventive checkups at the doctor. On the other hand Acute and Emergency health care is recommended for foreigners who want to stay only for a short period of time in the Czech Republic and want to be covered in case of some acute health problems or accidents.

Acute and Emergency insurance

This insurance is meant for foreigners, who apply for a short term visa and want to stay in the Czech Republic for no longer than 90 days. It covers the expenses for medical treatment connected to acute health complications or an accident.

In other words it covers injuries, acute health problems, acute complications where postponement of the medical treatment could cause threat to one’s life. This health insurance also includes repatriation of the patient or in case of his death repatriation of the remains to the home country. Acute and Emergency health insurance does not cover preventive health care or medical treatment connected to non-acute health problems.

Comprehensive health insurance for foreigners

It is meant for foreigners, who apply for a long term visa and are willing to stay more than 90 days in the Czech Republic. This insurance type covers expenses of not only Acute and Emergency health care but also preventive and dispensary care and medical treatment connected to pregnancy and birth giving, dental care, prescribed medication and expenses of medical devices.

Does health insurance for foreigners cover pregnancy?

Yes, comprehensive health insurance for foreigners in the Czech Republic also covers treatment of pregnant women. For this purpose we recommend you to apply for the pregnancy type of comprehensive health insurance. This special “pregnancy package” is usually arranged for the minimal insurance period of 12 months and it covers not only pregnancy and birth giving, but also the post natal care of the baby (until its release from the maternity hospital). To arrange this insurance type it is necessary to undergo a medical examination and fill in the application for the insurance. Afterwards, all the documentation will be presented to the insurance company doctor who decides whether this client is risky for the insurance company and whether he will be accepted to the insurance or not.

What insurance companies in the Czech Republic offer health insurance for foreigners?

Health insurance for foreigners is not offered by every insurance company in the Czech Republic.

Health insurance companies have to initially undergo a process of approval by the Central National Bank of the Czech Republic, and be registered on its list of authorized insurance companies which may offer health insurance for foreigners. Among those insurance companies are: PVZP insurance company, Maxima insurance company, Slavia insurance company , Uniqa insurance company or Ergo insurance company (the whole list can be found on the official website of ČNB).

Insurance companies comparison- which insurance company provides the best health insurance for foreigners?

Deciding which insurance company is the best is very difficult. Every insurance company offers different advantages for different prices and is also focused on different people. For example Slavia insurance company has favourable prices for students, PVZP insurance company has the biggest list of contracted facilities, and ERGO does not require a medical examination for the pregnancy package insurance. It really depends on for what purposes you need health insurance for foreigners and what you expect from such insurance.

Thanks to our calculator of health insurance for foreigners you have the possibility to easily check and compare all offers of the insurance companies mentioned above and pick the most advantageous health insurance for you.

For the chosen health insurance you can directly apply through our website and arrange it in 5 minutes.

How does the application through our website work?

Application through our website is very quick and easy since you only need to fill in the requested details and then pick the option which fits you the best.

After filling in the insurance contract you can purchase the insurance from the comfort of your home through a payment card or bank transfer. After receiving the payment from you, you will be sent all the necessary documents to your email. It is also possible to receive these documents via post to the chosen address.

If you have problems with application for the insurance or just simply don’t know which health insurance type to choose, you can contact us on this telephone number: 777 795 466. There are our operators available for you and will gladly help you with the arrangement of the insurance or even make the application for you.

The most advantageous health insurance for foreigners in the Czech Republic

Because we cooperate with the biggest commercial insurance companies on the market, we can afford to offer you various discounts which you wouldn’t be able to get anywhere else. So when comparing prices on your health insurance through our website, you can be sure that the given price is the cheapest one.

What influences the price?

The price of the insurance depends on so called “price determining factors”, which are insurance period, insurance type, type of stay, age of the insured person and territorial validity of the chosen health insurance. Health insurance is for example often cheaper for students and adults up to 50 years old, since older age categories are more risky for the insurance company and therefore more expensive.

Why apply for insurance on our website?

Our online calculator and application system will not only spare you time and money, but also thanks to our qualified staff you can be sure that the arranged contract will be correct and valid, because we check it every time before sending the originals to your email.

Useful contacts

• E-mail: [email protected]
• Our adress: Na Příkopě 988/31, Praha 1
• Opening hours: (Po-Pá) 09:00 – 17:00
• Telephone: +420 777 795 466
• Calculator online: HERE

About Natela Ismail

Na webu InfoCizinci.cz přispívám od roku 2013. Jako cizinec, který žije v České republice, využívám při psaní článků vlastní zkušenosti. Doufám, že mé články pomohou všem cizincům, kteří chtějí studovat nebo se přestěhovat do České republiky.

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Travel medical insurance for Czech Republic

Expert Info

I'm applying for a long-term visa (6 months) for the Czech Republic. I need to purchase travel medical insurance and provide the Consulate with a copy of whatever policy I purchase -- and I must buy a policy that meets Czech legal requirements. According to the Consulate's web site, the policy 

•  must cover all the costs associated with necessary and urgent health care, including costs associated with transportation, including transportation of mortal remains in the event of death, and insurance  must not exclude providing insurance payment in the case of accident caused by a willful act, negligence or contributory negligence of the insured, even as a result of drinking alcohol, taking narcotics or psychotropic drugs by the insured .

Not surprisingly, I've discovered US insurance companies, naturally, DO exclude payments for accidents caused by drinking, taking drugs, etc. Have any of you found insurance policies that DON'T include such exclusions? (I assume they must exist, since more and more people work in the Czech Republic each year.) Thank you!

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I think your best bet would be to look into international insurance companies who have experience covering expats. Cigna, Aetna and Bupa are all good options to look into. For more info and quote comparisons, you can take a look at some of our recommended  expat health insurance companies .

Hope this helps. Best of luck with the move.

Expat Health Insurance

Cigna Global Health Insurance. Medical insurance specifically designed for expats. With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider. Get a quote from Cigna Global - 20% off

Aetna Aetna International, offering comprehensive global medical coverage, has a network of 1.3 million medical providers worldwide. You will have the flexibility to choose from six areas of coverage, including worldwide, multiple levels of benefits to choose from, plus various optional benefits to meet your needs. Get your free no-obligation quotes now!

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International Movers. Get Quotes. Compare Prices. Sirelo has a network of more than 500 international removal companies that can move your furniture and possessions to your new home. By filling in a form, you’ll get up to 5 quotes from recommended movers. This service is free of charge and will help you select an international moving company that suits your needs and budget. Get your free no-obligation quotes from select removal companies now!

Free Moving Quotes ReloAdvisor is an independent online quote service for international moves. They work with hundreds of qualified international moving and relocation companies to match your individual requirements. Get up to 5 free quotes from moving companies that match your needs. Get your free no-obligation quotes now!

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Insurance Český turista

Travel insurance for trips in the Czech Republic

The ‘Český turista’ travel insurance package is for everyone who likes to discover different corners of the Czech Republic on foot, on water, on a bicycle or on a motorbike.

Accident insurance

Insurance of personal belongings, liability insurance, insurance sport, insurance of mountain rescue service intervention, insurance in case of hospitalisation, package insurance.

• Positive test or confirmed illness – for the ‘Procházka’ (Walk), ‘Výlet’ (Trip) and ‘Túra’ (Hike) packages
• Preventive quarantine/isolation without confirmation of illness – ONLY with the ‘Túra’ package

We will be happy to tell you the exact insurance price, including supplementary insurance, at our branches or on our information line

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Travel health notices, vaccines and medicines, non-vaccine-preventable diseases, stay healthy and safe.

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After Your Trip

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Check the vaccines and medicines list and visit your doctor at least a month before your trip to get vaccines or medicines you may need. If you or your doctor need help finding a location that provides certain vaccines or medicines, visit the Find a Clinic page.

Routine vaccines

Recommendations.

Make sure you are up-to-date on all routine vaccines before every trip. Some of these vaccines include

• Chickenpox (Varicella)
• Diphtheria-Tetanus-Pertussis
• Flu (influenza)
• Measles-Mumps-Rubella (MMR)

Immunization schedules

All eligible travelers should be up to date with their COVID-19 vaccines. Please see  Your COVID-19 Vaccination  for more information. 

COVID-19 vaccine

Hepatitis A

Recommended for unvaccinated travelers one year old or older going to Czechia.

Infants 6 to 11 months old should also be vaccinated against Hepatitis A. The dose does not count toward the routine 2-dose series.

Travelers allergic to a vaccine component or who are younger than 6 months should receive a single dose of immune globulin, which provides effective protection for up to 2 months depending on dosage given.

Unvaccinated travelers who are over 40 years old, immunocompromised, or have chronic medical conditions planning to depart to a risk area in less than 2 weeks should get the initial dose of vaccine and at the same appointment receive immune globulin.

Hepatitis A - CDC Yellow Book

Dosing info - Hep A

Hepatitis B

Recommended for unvaccinated travelers younger than 60 years old traveling to Czechia. Unvaccinated travelers 60 years and older may get vaccinated before traveling to Czechia.

Hepatitis B - CDC Yellow Book

Dosing info - Hep B

Cases of measles are on the rise worldwide. Travelers are at risk of measles if they have not been fully vaccinated at least two weeks prior to departure, or have not had measles in the past, and travel internationally to areas where measles is spreading.

All international travelers should be fully vaccinated against measles with the measles-mumps-rubella (MMR) vaccine, including an early dose for infants 6–11 months, according to  CDC’s measles vaccination recommendations for international travel .

Measles (Rubeola) - CDC Yellow Book

Czechia is free of dog rabies. However, rabies may still be present in wildlife species, particularly bats. CDC recommends rabies vaccination before travel only for people working directly with wildlife. These people may include veterinarians, animal handlers, field biologists, or laboratory workers working with specimens from mammalian species.

Rabies - CDC Yellow Book

Tick-borne Encephalitis

For travelers moving or traveling to TBE-endemic areas

TBE vaccine is recommended for persons who will have extensive exposure to ticks based on their planned outdoor activities and itinerary.

TBE vaccine may be considered for persons who might engage in outdoor activities in areas ticks are likely to be found. 

Tick-borne Encephalitis - CDC Yellow Book

Avoid contaminated water

Leptospirosis

How most people get sick (most common modes of transmission)

• Touching urine or other body fluids from an animal infected with leptospirosis
• Swimming or wading in urine-contaminated fresh water, or contact with urine-contaminated mud
• Drinking water or eating food contaminated with animal urine
• Avoid contaminated water and soil

Clinical Guidance

Airborne & droplet.

• Breathing in air or accidentally eating food contaminated with the urine, droppings, or saliva of infected rodents
• Bite from an infected rodent
• Less commonly, being around someone sick with hantavirus (only occurs with Andes virus)
• Avoid rodents and areas where they live
• Avoid sick people

Tuberculosis (TB)

• Breathe in TB bacteria that is in the air from an infected and contagious person coughing, speaking, or singing.

Learn actions you can take to stay healthy and safe on your trip. Vaccines cannot protect you from many diseases in Czechia, so your behaviors are important.

Eat and drink safely

Food and water standards around the world vary based on the destination. Standards may also differ within a country and risk may change depending on activity type (e.g., hiking versus business trip). You can learn more about safe food and drink choices when traveling by accessing the resources below.

• Choose Safe Food and Drinks When Traveling
• Water Treatment Options When Hiking, Camping or Traveling
• Global Water, Sanitation and Hygiene | Healthy Water
• Avoid Contaminated Water During Travel

You can also visit the  Department of State Country Information Pages  for additional information about food and water safety.

Prevent bug bites

Although Czechia is an industrialized country, bug bites here can still spread diseases. Just as you would in the United States, try to avoid bug bites while spending time outside or in wooded areas.

What can I do to prevent bug bites?

• Cover exposed skin by wearing long-sleeved shirts, long pants, and hats.
• Use an appropriate insect repellent (see below).
• Consider using permethrin-treated clothing and gear if spending a lot of time outside. Do not use permethrin directly on skin.

What type of insect repellent should I use?

• FOR PROTECTION AGAINST TICKS AND MOSQUITOES: Use a repellent that contains 20% or more DEET for protection that lasts up to several hours.
• Picaridin (also known as KBR 3023, Bayrepel, and icaridin)
• Oil of lemon eucalyptus (OLE) or para-menthane-diol (PMD)
• 2-undecanone
• Always use insect repellent as directed.

What should I do if I am bitten by bugs?

• Avoid scratching bug bites, and apply hydrocortisone cream or calamine lotion to reduce the itching.
• Check your entire body for ticks after outdoor activity. Be sure to remove ticks properly.

What can I do to avoid bed bugs?

Although bed bugs do not carry disease, they are an annoyance. See our information page about avoiding bug bites for some easy tips to avoid them. For more information on bed bugs, see Bed Bugs .

For more detailed information on avoiding bug bites, see Avoid Bug Bites .

Stay safe outdoors

If your travel plans in Czechia include outdoor activities, take these steps to stay safe and healthy during your trip:

• Stay alert to changing weather conditions and adjust your plans if conditions become unsafe.
• Prepare for activities by wearing the right clothes and packing protective items, such as bug spray, sunscreen, and a basic first aid kit.
• Consider learning basic first aid and CPR before travel. Bring a travel health kit with items appropriate for your activities.
• If you are outside for many hours in the heat, eat salty snacks and drink water to stay hydrated and replace salt lost through sweating.
• Protect yourself from UV radiation : use sunscreen with an SPF of at least 15, wear protective clothing, and seek shade during the hottest time of day (10 a.m.–4 p.m.).
• Be especially careful during summer months and at high elevation. Because sunlight reflects off snow, sand, and water, sun exposure may be increased during activities like skiing, swimming, and sailing.
• Very cold temperatures can be dangerous. Dress in layers and cover heads, hands, and feet properly if you are visiting a cold location.

Stay safe around water

• Swim only in designated swimming areas. Obey lifeguards and warning flags on beaches.
• Do not dive into shallow water.
• Avoid swallowing water when swimming. Untreated water can carry germs that make you sick.
• Practice safe boating—follow all boating safety laws, do not drink alcohol if you are driving a boat, and always wear a life jacket.

Keep away from animals

Most animals avoid people, but they may attack if they feel threatened, are protecting their young or territory, or if they are injured or ill. Animal bites and scratches can lead to serious diseases such as rabies.

Follow these tips to protect yourself:

• Do not touch or feed any animals you do not know.
• Do not allow animals to lick open wounds, and do not get animal saliva in your eyes or mouth.
• Avoid rodents and their urine and feces.
• Traveling pets should be supervised closely and not allowed to come in contact with local animals.
• If you wake in a room with a bat, seek medical care immediately.  Bat bites may be hard to see.

All animals can pose a threat, but be extra careful around dogs, bats, monkeys, sea animals such as jellyfish, and snakes. If you are bitten or scratched by an animal, immediately:

• Wash the wound with soap and clean water.
• Go to a doctor right away.
• Tell your doctor about your injury when you get back to the United States.

Reduce your exposure to germs

Follow these tips to avoid getting sick or spreading illness to others while traveling:

• Wash your hands often, especially before eating.
• If soap and water aren’t available, clean hands with hand sanitizer (containing at least 60% alcohol).
• Don’t touch your eyes, nose, or mouth. If you need to touch your face, make sure your hands are clean.
• Cover your mouth and nose with a tissue or your sleeve (not your hands) when coughing or sneezing.
• Try to avoid contact with people who are sick.
• If you are sick, stay home or in your hotel room, unless you need medical care.

Avoid sharing body fluids

Diseases can be spread through body fluids, such as saliva, blood, vomit, and semen.

Protect yourself:

• Use latex condoms correctly.
• Do not inject drugs.
• Limit alcohol consumption. People take more risks when intoxicated.
• Do not share needles or any devices that can break the skin. That includes needles for tattoos, piercings, and acupuncture.
• If you receive medical or dental care, make sure the equipment is disinfected or sanitized.

Know how to get medical care while traveling

Plan for how you will get health care during your trip, should the need arise:

• Carry a list of local doctors and hospitals at your destination.
• Review your health insurance plan to determine what medical services it would cover during your trip. Consider purchasing travel health and medical evacuation insurance for things your regular insurance will not cover.
• Carry a card that identifies, in the local language, your blood type, chronic conditions or serious allergies, and the generic names of any medicines you take.
• Bring copies of your prescriptions for medicine and for eye glasses and contact lenses.
• Some prescription drugs may be illegal in other countries. Call Czechia’s embassy to verify that all of your prescription(s) are legal to bring with you.
• Bring all the medicines (including over-the-counter medicines) you think you might need during your trip, including extra in case of travel delays. Ask your doctor to help you get prescriptions filled early if you need to.

Many foreign hospitals and clinics are accredited by the Joint Commission International. A list of accredited facilities is available at their website ( www.jointcommissioninternational.org ).

Select safe transportation

Motor vehicle crashes are the #1 killer of healthy US citizens in foreign countries.

Be smart when you are traveling on foot.

• Use sidewalks and marked crosswalks.
• Pay attention to the traffic around you, especially in crowded areas.
• Remember, people on foot do not always have the right of way in other countries.

Riding/Driving

Choose a safe vehicle.

• Choose official taxis or public transportation, such as trains and buses.
• Make sure there are seatbelts.
• Avoid overcrowded, overloaded, top-heavy buses and minivans.
• Avoid riding on motorcycles or motorbikes, especially motorbike taxis. (Many crashes are caused by inexperienced motorbike drivers.)
• Choose newer vehicles—they may have more safety features, such as airbags, and be more reliable.
• Choose larger vehicles, which may provide more protection in crashes.

Think about the driver.

• Do not drive after drinking alcohol or ride with someone who has been drinking.
• Consider hiring a licensed, trained driver familiar with the area.
• Arrange payment before departing.

Follow basic safety tips.

• Wear a seatbelt at all times.
• Sit in the back seat of cars and taxis.
• When on motorbikes or bicycles, always wear a helmet. (Bring a helmet from home, if needed.)
• Do not use a cell phone or text while driving (illegal in many countries).
• Travel during daylight hours only, especially in rural areas.
• If you choose to drive a vehicle in Czechia, learn the local traffic laws and have the proper paperwork.
• Get any driving permits and insurance you may need. Get an International Driving Permit (IDP). Carry the IDP and a US-issued driver's license at all times.
• Check with your auto insurance policy's international coverage, and get more coverage if needed. Make sure you have liability insurance.
• Avoid using local, unscheduled aircraft.
• If possible, fly on larger planes (more than 30 seats); larger airplanes are more likely to have regular safety inspections.
• Try to schedule flights during daylight hours and in good weather.

Helpful Resources

Road Safety Overseas (Information from the US Department of State): Includes tips on driving in other countries, International Driving Permits, auto insurance, and other resources.

The Association for International Road Travel has country-specific Road Travel Reports available for most countries for a minimal fee.

Maintain personal security

Use the same common sense traveling overseas that you would at home, and always stay alert and aware of your surroundings.

Before you leave

• Research your destination(s), including local laws, customs, and culture.
• Monitor travel advisories and alerts and read travel tips from the US Department of State.
• Enroll in the Smart Traveler Enrollment Program (STEP) .
• Leave a copy of your itinerary, contact information, credit cards, and passport with someone at home.
• Pack as light as possible, and leave at home any item you could not replace.

While at your destination(s)

• Carry contact information for the nearest US embassy or consulate .
• Carry a photocopy of your passport and entry stamp; leave the actual passport securely in your hotel.
• Follow all local laws and social customs.
• Do not wear expensive clothing or jewelry.
• Always keep hotel doors locked, and store valuables in secure areas.
• If possible, choose hotel rooms between the 2nd and 6th floors.

Healthy Travel Packing List

Use the Healthy Travel Packing List for Czechia for a list of health-related items to consider packing for your trip. Talk to your doctor about which items are most important for you.

Why does CDC recommend packing these health-related items?

It’s best to be prepared to prevent and treat common illnesses and injuries. Some supplies and medicines may be difficult to find at your destination, may have different names, or may have different ingredients than what you normally use.

If you are not feeling well after your trip, you may need to see a doctor. If you need help finding a travel medicine specialist, see Find a Clinic . Be sure to tell your doctor about your travel, including where you went and what you did on your trip. Also tell your doctor if you were bitten or scratched by an animal while traveling.

For more information on what to do if you are sick after your trip, see Getting Sick after Travel .

Map Disclaimer - The boundaries and names shown and the designations used on maps do not imply the expression of any opinion whatsoever on the part of the Centers for Disease Control and Prevention concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries. Approximate border lines for which there may not yet be full agreement are generally marked.

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Home  > Information for tourists...  > Travel Medical Insurance...

Travel Medical Insurance - complete information

LAST UPDATE: 20 September 2023 Proof of travel medical insurance shall be presented: - Prior to affixing a LONG-TERM visa (not when submitting the application). -  TOGETHER with SCHENGEN visa application submission.  Below you can find the specific requirements for all visa types:

A) SCHENGEN VISA

When you apply for a Schengen visa, you need to arrange for a travel medical insurance covering all expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death.

The insurance must be IN THE NAME OF THE VISA APPLICANT  and valid throughout the ENTIRE Schengen Area and cover the entire period of stay (transit).

The minimum coverage must be EUR 30,000 for necessary and urgent medical care.

This insurance may be taken out with an insurance company authorised to operate this insurance in the Czech Republic or in other EU Member States / States bound by the European Economic Area (EEA) Treaty or in the home state.

When travelling based on an invitation officially verified by the Alien Police Service , the insurance coverage referred to therein pertains only to the territory of the Czech Republic. Applicants are therefore requested to arrange coverage for the entire Schengen Area confirming to the above specifications.

You need to show to the Embassy the whole document "terms and conditions" of the insurance to prove the above!

B) LONG-TERM VISAS (stays over 90 days up to 1 year) AND RESIDENCE PERMITS - with exception of Employee cards (see letter C below)!

Travel health insurance must be in visa applicant's name and cover the cost of medical care for the ENTIRE DURATION of the visa validity, which will be communicated to you by the Embassy together with the visa decision well in advance of visa sticker attachment appointment.

The minimum insurance cover must be EUR 60,000 without a deductible.

You need to show to the Embassy the whole document "terms and conditions" of the insurance!

1) Comprehensive/extensive health care for the entire period of visa validity

• - minimal insured limit per claim is EUR 400,000

- must include preventive and dispensary (= regular medical supervision for a specific illness) care as well as care related to pregnancy and childbirth.

• - arranged with: any insurance company authorised to operate this insurance in the Czech Republic

2) Necessary and urgent medical care for the first 90 days, then comprehensive/extensive health care

- shall not preclude the provision of insurance coverage in the event of an accident caused by the intentional act, fault or complicity of the insured or as a result of the consumption of alcohol, narcotic or psychotropic substances .Only necessary and urgent health care arranged with an insurance company other than the VZP Insurance Company

insured period:

• - the minimum coverage must be EUR 30,000 per claim for necessary and urgent medical care.
• - arranged with: any insurance company authorised to operate this insurance in the Czech Republic (applicable after 20 September 2023)

C) EMPLOYEE CARDS

Same as option A , BUT MINIMUM 40 DAYS of insured period after the first day of visa validity.

D) VISA-VAIWER FOREIGN NATIONALS (stays up to 90 days)

Foreign nationals who do not require visas for their stay in Czechia / Schengen Area still require medical insurance (see above for Schengen visas), which can be checked at the border crossing. For more information see the website of the Alien Police Service .

The obligation to take out travel health insurance for a stay in the Czech Republic does not apply to the following foreigners (situations):

• ● the applicant will be covered by public health insurance (e.g. if the applicant is staying for employment purposes, proof of travel health insurance is only required for the period from entry into the territory until the start of the employment relationship - minimum 40 days),
• ● health care costs will be covered by an international treaty,
• ● the applicant holds an EHIC and GHIC health insurance card,
• ● the applicant is an EU citizen or an immediate family member: (1) spouse; (2) parent, if the EU citizen is under the age of 21 and is effectively cared for; (3) descendant under the age of 21 or such descendant of the EU citizen's spouse; (4) a descendant or an ancestor or a descendant or an ancestor of the EU citizen's spouse, if he or she is dependent on the maintenance or other necessary care provided by the EU citizen or his or her spouse for the satisfaction of his or her basic needs, or was dependent on such maintenance or other necessary care immediately before entering the territory of the Czech Republic in the State of which he or she is a citizen or in the State in which he or she was allowed to reside; (5) a foreigner who is related to a Czech citizen registered in the Czech Republic for permanent residence in the relationship referred to in points (1) to (4).
• ● the applicant proves that health care will be covered in another way, on the basis of a written commitment by a legal entity, if the foreigner's stay in the territory is beneficial for the development of spiritual values, the protection of human rights or other humanitarian values, the protection of the natural environment, cultural monuments and traditions, the development of science, education, physical education and sport, on the basis of a written commitment by a state authority or on the basis of a commitment contained in an official invitation certified by the Aliens Police.
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