Czech Commercial Insurance (Student Plans)
CZK 600–1,100/month (~€24–€44)
Best for: Non-EU students — required for visa
Providers: PVZP, Maxima, Slavia. Covers medical emergencies, hospital stays, GP visits, repatriation.
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Health Insurance for Students in the Czech Republic
Non-EU students need Czech commercial insurance (CZK 7,000–13,000/year ≈ €280–520). EU students can use EHIC.
5 requirements 3 plan options 5 setup steps
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- Health insurance mandatory for all students in the Czech Republic
- Non-EU students must have Czech commercial health insurance (comprehensive coverage)
- EU/EEA students with EHIC can access Czech public healthcare
- Commercial insurance required for visa and residence permit
- VZP (public insurance) only available if employed in Czech Republic
Available Insurance Options
VZP (Public Insurance)
Not available for students (employment-based)
Best for: Students working in Czech Republic
VZP is Czech public insurance. Only available if employed. Students typically use commercial insurance.
Learn moreEHIC + Supplementary Insurance
€10–€25/month (for supplement)
Best for: EU/EEA students
EHIC covers public healthcare. Supplementary insurance recommended for extras and repatriation.
Learn moreCost Overview
| Item | Cost | Details |
|---|---|---|
| Commercial Insurance (Annual) | CZK 7,000–13,000/year (~€280–520) | Required for non-EU students. Covers comprehensive medical care. |
| Commercial Insurance (Monthly) | CZK 600–1,100/month (~€24–€44) | Monthly payment option for commercial insurance |
| Doctor Visit (Private) | CZK 500–1,000 (~€20–€40) | Out-of-pocket cost for private doctor visit |
| Emergency Care | Free with insurance | Emergency treatment covered by commercial insurance |
Item
Commercial Insurance (Annual)
Cost
CZK 7,000–13,000/year (~€280–520)
Details
Required for non-EU students. Covers comprehensive medical care.
Item
Commercial Insurance (Monthly)
Cost
CZK 600–1,100/month (~€24–€44)
Details
Monthly payment option for commercial insurance
Item
Doctor Visit (Private)
Cost
CZK 500–1,000 (~€20–€40)
Details
Out-of-pocket cost for private doctor visit
Item
Emergency Care
Cost
Free with insurance
Details
Emergency treatment covered by commercial insurance
Visa & Insurance Requirements
- Long-term residence permit requires proof of Czech commercial health insurance
- EU students can show EHIC for visa purposes
- Commercial insurance must meet Czech Ministry requirements (comprehensive coverage)
- Insurance providers must be accredited in Czech Republic (PVZP, Maxima, Slavia, etc.)
- Insurance must be valid for entire visa duration
How to Get Insured
Choose Commercial Insurance Provider
Compare Czech commercial insurance providers like PVZP, Maxima, or Slavia. Ensure they meet residence permit requirements.
Apply for Insurance
Submit application with passport, university admission letter, and planned arrival date. Pay annual or monthly premium.
Receive Insurance Certificate
Your insurance provider will issue a certificate (potvrzenà o pojiÅ¡tÄ›nÃ). Submit this with your visa application.
Apply for Long-Term Visa/Residence Permit
Submit visa application with insurance certificate, university admission, and proof of funds.
Register at Municipal Office
After arrival, register your address at the local municipal office (obecnà úřad) within 30 days.
Student Health Insurance in the Czech Republic
The Czech Republic requires all international students to have comprehensive health insurance. Non-EU students must purchase Czech commercial insurance, costing CZK 7,000–13,000/year (€280–520).
Czech Commercial Insurance
Non-EU students cannot access Czech public insurance (VZP) unless employed. Instead, you must buy commercial health insurance from accredited providers like:
- PVZP (Pojišťovna VZP) — Most popular for students
- Maxima — Comprehensive coverage
- Slavia — Affordable student plans
These plans cost CZK 600–1,100/month (~€24–€44) and cover:
- Medical emergencies
- Hospital treatment and surgery
- GP and specialist consultations
- Prescriptions
- Repatriation to home country
EU Students with EHIC
EU/EEA students can use their European Health Insurance Card (EHIC) to access Czech public healthcare. EHIC grants the same coverage as Czech citizens, with small co-pays for doctor visits.
What’s Covered?
Commercial insurance provides comprehensive coverage comparable to public insurance:
- Doctor visits (GP and specialists)
- Hospital care (emergency and scheduled)
- Prescription medications
- Diagnostic tests and imaging
- Emergency dental care
Why the Czech Republic?
With over 50,000 international students, the Czech Republic offers excellent universities in Prague, Brno, and Olomouc at affordable costs. Enjoy rich history, beautiful architecture, and central European location with very reasonable living costs.
Frequently Asked Questions
What is Czech commercial insurance?
Commercial insurance is comprehensive private health insurance for foreigners in the Czech Republic. It's required for non-EU students' residence permits and costs CZK 7,000–13,000/year (€280–520).
Can EU students use EHIC?
Yes, EU/EEA students with EHIC can access Czech public healthcare at the same cost as Czech citizens.
Which insurance provider should I choose?
Popular providers for students include PVZP (Pojišťovna VZP), Maxima, and Slavia. All must meet Czech Ministry requirements for residence permits.
Does commercial insurance cover everything?
Czech commercial insurance covers medical emergencies, hospital treatment, GP visits, specialist consultations, prescriptions, and repatriation. Coverage varies by provider and plan.
How do I see a doctor in Czech Republic?
With commercial insurance, visit private clinics or hospitals listed by your insurer. For emergencies, call 155 (ambulance) or visit nejbližšà nemocnice (nearest hospital).
Ready to Study in the Czech Republic?
Compare Czech commercial insurance providers and find the best plan for your studies.
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