For foreigners · Self-employed
Health insurance for self-employed foreigners in Czechia
Running a business in Czechia on a trade licence? Unlike employees, you are usually not covered by the public health insurance system. We compare insurers' offers and advise on what the policy needs to meet.
When you will need it
You work on a trade licence
Self-employment on its own does not establish participation in public health insurance - unlike employment with a Czech company.
A stay longer than 90 days
Health insurance is submitted with an application for a long-term visa, for residence and for its extension.
You need a certificate for the authorities
You receive the policy and proof of payment by email, usually in English as well.
What to watch out for
Business and employment at the same time
If you are also employed by a Czech company alongside your business, you are in the public system and do not need commercial insurance. Check this before you arrange anything.
Your family is assessed separately
A partner and children are assessed on their own. Children under 18 with long-term residence have been in the public system since 1 January 2024.
Health insurance does not cover business liability
Damage you cause to a client while working is covered by liability insurance - a separate product. We are happy to go through it with you.
Continuity when extending
When extending your residence, insurance for the follow-on period is submitted again. A gap between policies causes problems.
Work out your price in a minute
Enter your age and the length of cover. You will see insurers' prices side by side.
Questions from self-employed clients
Do I need commercial insurance if I hold a trade licence?
What if I am also employed under a contract?
Can I claim the premium as a business expense?
How long should the policy run?
How quickly will I have the insurance?
Guides
Public or commercial health insurance in Czechia?
Who falls into the Czech public health system and who has to buy commercial cover. Employment, permanent residence and children under 18 decide it.
Not sure about your insurance?
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