Expat insurance
Expat insurance in Czechia
Comprehensive cover for people who've actually moved to Czechia: multi-year stability, no trip caps, and the proper inpatient/outpatient stack you want when this is home now.
Czechia (the Czech Republic) gives nomads Prague, one of Europe's best-value capitals, with two routes to stay: the long-standing Živno freelancer visa and a newer Digital Nomad Programme open to a set list of nationalities including the US, UK, Canada and Australia. The standout, and the catch, is insurance: long-term stays require comprehensive health cover of at least €400,000 from a Czech-authorised insurer, not your home policy. Mind the forest ticks (Czechia is a TBE hotspot) and Prague's taxi and exchange scams.
What expat insurance covers in Czechia
Expat insurance is built for expats with a residence permit or long-stay visa, families, retirees abroad. The lines below are the base. Exact terms are carrier-specific, so always check the policy document for the Czechia situation you care about.
What you get
- Full inpatient and outpatient medical
- Maternity (with waiting period)
- Dental and vision (add-ons)
- Chronic-condition management
- Multi-year renewals without trip-length resets
What it won't do
- Cover in your home country (limited windows on some plans)
- Pre-existing conditions during initial underwriting
- Cosmetic procedures
What care costs in Czechia
A taste of what expat insurance protects you from. The full local cost breakdown lives in the Czechia guide.
| Private GP or short consultation | about 1,200 CZK (€50 to €55) |
|---|---|
| Specialist consultation (private) | 800 to 1,500 CZK |
| Emergency room (self-payer) | around a 5,000 CZK deposit, plus an admin fee |
Expat insurance in Czechia: FAQ
In most cases Czechia expects long-stay residents and visa applicants to show proof of health coverage. The specific bar (carrier, sum insured, residency-vs-travel cover) depends on your visa class; the Czechia guide covers the country's current visa-and-residency stance.
Premiums vary by age, plan and deductible far more than by country; the underwriting risk is priced, not the postal code. The Czechia guide breaks down local treatment costs so you can see what your insurance protects you from, then run a real quote for your own number.
It depends on your situation: how long you're staying, your visa class, your age and health, and whether you want cashless treatment or are fine with reimbursement. Rather than push one plan, we match you against the options that actually fit a stay in Czechia: answer a few honest questions and see only what's relevant.
Other insurance for Czechia
Different stages of nomad life need different cover. Here's the full set we've mapped for Czechia.
Get matched with expat insurance for Czechia
Three minutes of honest questions, then we'll show you the expat insurance options that actually fit your situation in Czechia.
Find my plan