Insurance calculator for foreigners

The price depends mainly on the insured person's age, the insurance duration and the scope (CZ / Schengen). The calculator above gives an estimate; the broker confirms the exact price.

Medical costs in the millions of crowns, dental treatment and outpatient medicines, repatriation and a 24/7 assistance service. The exact limits differ between insurers — you will find them in the policy terms and in the summary next to each quote.

Urgent-care insurance pays only for necessary and urgent treatment — care that cannot be postponed. Comprehensive insurance also covers routine and preventive care: preventive check-ups, vaccination, pregnancy monitoring and childbirth. That is the main difference, and the reason urgent-care cover is cheaper. For long-term stays over 90 days the Foreigners’ Residence Act requires comprehensive insurance; urgent-care cover applies to short stays.

Yes — comprehensive health insurance for foreigners meets Act No. 326/1999 and is recognised for visa applications and long-term stays over 90 days.

The premium is usually paid once for the whole period and the policy starts on payment. An adviser completes the arrangement with you after checking the scope of cover and your documents; fully online arrangement is in preparation.

Cover starts when the premium is paid, from the start date you choose. You can pick a future start date — for example the day you arrive in Czechia.

After payment you receive the policy (PDF) with proof of insurance. It is accepted by the Foreign Police, the Ministry of the Interior and diplomatic missions for visa and residence.

The draft policy and terms (VPP, IPID) are available right after arranging. We email you the valid policy once the payment clears.

No. Age, gender and the length of cover are enough for the price. Your name, travel document and address are only needed at the point of arranging the policy, where the insurer requires them.

They differ in the scope of cover, benefit limits, excess, waiting periods and exclusions. The lowest price is therefore not necessarily the best choice - with health insurance what matters is what happens when you actually need care.

Get in touch. Depending on the insurer and the product, the policy can be extended or a follow-on policy arranged - we will find a solution together so you are never left without cover.