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Komplexní zdravotní pojištění cizinců

Comprehensive medical insurance for foreigners

What does “Komplexní zdravotní pojištění cizinců” mean in Czechia?

Comprehensive health insurance for foreigners — commercial medical insurance for those who do not have public health insurance.

🔴 Who this often concerns

Those who switched to ZDP (long-term residence permit) and do not work: on ZDP, public insurance is provided only if you work — self-employed people (OSVČ) and unemployed people must get commercial insurance. This is one of the main hidden costs of switching from temporary protection to ZDP.

What has changed

the limit has been raised from 3,000,000 CZK to 10,000,000 CZK (= 400,000 EUR) per insured event
for old contracts, the limit will be raised automatically after 3 months
PVZP's monopoly has been canceled — other insurance companies can also offer it
PVZP Exclusive covers illnesses that existed before the contract was signed

Important. 🔴 ZDP — not a free upgrade: if you are not working, you lose public insurance with it and switch to commercial insurance. Calculate this cost BEFORE applying for ZDP.

Examples of use

SK

The limit for comprehensive health insurance for foreigners is 10,000,000 CZK per insured event.

The limit for comprehensive medical insurance for foreigners is 10,000,000 CZK per insured event.

SK

The PVZP monopoly was canceled, other insurance companies can also offer services.

PVZP monopoly canceled — others can offer insurance too.

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Frequently asked questions

Who needs commercial insurance?

For those outside public insurance. Most often – owners of ZDP (taxable income) who are not working (OSVČ, self-employed status; unemployed).

Does only PVZP offer it?

No, PVZP's monopoly has been canceled — others can offer insurance too.

Similar terms

Zdravotní pojišťovna

health insurance

In the Czech Republic, there are 7 insurance companies. You can change your insurance company once every 12 months. This change can only happen on January 1st or July 1st. You must apply 3 months before the change.

VZP — the largest state medical insurance company (code 111)

Všeobecná zdravotná poisťovňa (General Health Insurance Company), code 111. From January 2026, it will not accept cash — only bank transfer, card, QR code, or payment order.

person without taxable income

🔴 After 90 days, the state does not pay for you: if you do not work, you pay 3,024 CZK/month yourself by the 8th of the month.