In this article, we will explain:
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when basic insurance is sufficient
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when comprehensive insurance is mandatory
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who can enter the public healthcare system
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what to watch out for when applying for a visa
1) Stay up to 90 Days (Tourists, Short-Term Visa)
If you are coming for less than 90 days, insurance covering necessary and urgent medical care is generally sufficient.
However, it must:
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meet the minimum coverage limits (at least EUR 60,000)
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be valid for the entire duration of your stay
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be accepted as part of the visa application
2) Stay Over 90 Days (Long-Term Visa)
In this case, the law requires comprehensive health insurance for foreigners.
This typically includes:
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outpatient care
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hospitalization
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preventive care
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repatriation
Without this type of insurance, a long-term visa will not be granted.
3) Employment in the Czech Republic
If a foreign national is employed by a Czech employer:
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they are generally enrolled in the public health insurance system
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contributions are paid by the employer
Important: This does not automatically apply to all types of work permits.
4) Students
Non-EU students are often required to have comprehensive commercial health insurance.
EU students may use the European Health Insurance Card (EHIC), but only for necessary medical care.
The Most Common Mistake
Many people purchase the cheapest option without checking exclusions.
This can result in:
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visa rejection
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denied insurance claims
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high out-of-pocket costs
Summary
The right health insurance for foreigners depends on:
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the length of stay
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the purpose of stay
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employment status
If you are unsure, always verify the requirements before submitting your visa application.
