Health insurance options in Prague
Health insurance procedures are easier than you might think
Once you made your decision to move to Prague, the time comes to think about practical things.
One of the most important things to consider is of course health insurance. It is really important and sometimes mandatory to arrange coverage even if you are really healthy; as we never know what can happen.
Moreover, health insurance procedures are easier than you might think.
If you are a citizen of a European Union member state or come from Switzerland, Norway, Iceland or Lichtenstein, you don’t have to worry about it because you can be protected thanks to the European Health Insurance Card for emergency cases. The European Health Insurance Card doesn’t cover non-emergency treatment and repatriation.
But you have to subscribe to public health insurance if you have permanent residence or if you are working for a company registered in the country of if you are a self-employed worker.
This also applies to those who are not from part of the EU.
If you work in a Czech company and earn at least CZK 2000, some two-thirds of the cost of public healthcare insurance is paid by your employer and one-third is deducted from your salary.
If your salary didn’t reach CZK 2000 or if you are a self-employed worker with permanent residence, you have to pay the insurance premium. The amount you have to pay is calculated according to your profit and can’t exceed 35 percent of it.
Every public insurance company offers the same health coverage as it is written in the law. The only difference is that you might find is some discount or benefits with some of them.
The most popular health company chosen by foreigners is Všeobecná zdravotní pojišťovna (VZP),. English-speaking consultants can help you in this process and answer your questions if something is not clear. Other public health insurance companies exist as well such as Vojenská zdravotní pojišťovna České republiky (VoZP ČR) or Revírní bratrská pokladna (RBP).
If you are a foreigner without permanent residence and you don’t work for a company registered in Czech Republic but you have a long-term permit (more than three months), then you have to find commercial or private insurance. It is different than public insurance because the scope of the covered care and other factors can be limited.
You can either chose health insurance for emergency care or the health insurance for complete care. The first one covers you for the time you are in the country for emergency cases such as sudden illness and injury as well as dental emergency issues. The second one provides full care including dental coverage and prescription medicines.
You can also take a additional private insurance to be more protected, even if you already have public insurance, but private health insurance doesn’t replace the public one if it is mandatory in your situation.
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