The type of health insurance depends on Profession and Nationality:
3rd-Country Nationals (non-Schengen)
For 3rd-Country Nationals the costs of the health insurance do not depend on the income,but on age, gender and risk-category. This type of insurance is commercial, either of the 'emergency' or 'complex care' type depending on the visa / residence permit.
Exception: Employees at Czech companies and citizens of Croatia, Macedonia, Montenegro, Serbia, Turkey and Japan with a Czech trade license (živnostenský list) do not pay commercial insurance, but pay into the public healthcare system (see below, at the EU Citizens)
3rd-Country Nationals (non-Schengen) on FIRST visa
| profession / purpose of stay | minimum required type of insurance |
|---|---|
| Visa-free entry,
C-Visa,
first D-Visa (max. 6 months) |
Emergency health insurance or 'Complex Care' health insurance * |
| Employee at a Czech company (with a workpermit) |
public health care as EU-Citizen, for visa purposes (to enter CZ) it may be easiest to get a short additional
Emergency or 'Complex Care' insurance |
| EU Residence permit (on basis of marriage) |
Emergency health insurance or 'Complex Care' health insurance * |
* Most embassies accept emergency health insurance for the first visa (and the stay is shorter than 6 months), others accept only 'complex care' a first visa. Please check with your local embassy, or avoid problems and take the 'complex care' health insurance right away.
3rd-Country Nationals (non-Schengen) on extended visa / TEMP. residence permit
| profession / purpose of stay | minimum required type of insurance |
|---|---|
| extending a Visa * | 'Complex Care' health insurance |
| extending a Trade License * | 'Complex Care' health insurance |
| Employee at a Czech company (with a workpermit) |
no 'Complex Care' health insurance but instead public healthcare as EU-Citizen |
| Director of sro ** | 'Complex Care' health insurance |
| unemployed, not working | 'Complex Care' health insurance | children, spouse *** | 'Complex Care' health insurance |
| EU Residence permit *** (on basis of marriage) |
'Complex Care' health insurance |
* People from Croatia, Macedonia, Montenegro, Serbia, Turkey and Japan with a Czech trade license (živnostenský list) should NOT pay 'Emergency' or 'Complex Care' health insurance, but instead monthly public health insurance like EU-Citizens, see below.
** Directors on a business visa, taking out a director's renumeration (as source of regular income demanded by the Ministry of Interior) are ALSO required to pay social / public health contributions on the renumeration next to the Complex Care insurance.
*** 3rd-Country non-working spouse / children in a marriage with an EU Citizen,
may in certain cases be insured using the public care health insurance of the EU partner.
EU Citizens (with Schengen passports) +
3rd-Country Nationals (non-Schengen ) with a PERMANENT residence permit
For EU Citizens (and some 3rd Country Nationals) the costs of the health insurance depend on the income, with a minimum monthly health insurance contribution of 1.080 CZK / month or 1670 CZK / months for a trade license.| profession / purpose of stay | minimum required type of insurance |
|---|---|
| EU Residence permit (on basis of Schengen passport) | public healthcare insurance, minimum payment 1.080 CZK / month |
| Trade License | public healthcare insurance, minimum payment 1.670 CZK / month |
| Employee at a Czech company | public healthcare insurance, minimum payment 1.080 CZK / month |
| Director of sro (with our without salary) | public healthcare insurance, minimum payment 1.080 CZK / month |
| Unemployed, otherwise not working * | public healthcare insurance, minimum payment 1.080 CZK / month |
| Non-working spouse * | public healthcare insurance, minimum payment 1.080 CZK / month |
* 3rd-Country non-working spouse / children in a marriage with an EU Citizen,
may in certain cases be insured using the public care health insurance of the EU partner.
