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Whether you’re a student, raising a family, or planning to retire, securing health insurance at each stage of life as an expat in the Czech Republic can bring different needs.
Taking the time to reassess insurance coverage at different stages of life ensures access to quality medical care, prevents unexpected costs, and offers peace of mind, says Jiří Hluchý, founder and CEO of Frenkee and insurance comparison platform.
“The right insurance, whether public or commercial, ensures you have access to quality care without unnecessary stress,” says Hluchý who shares his tips for key considerations for coverage at every stage from student life to pensioner, to help you make informed decisions about your health insurance options as a foreigner in the Czech Republic.
Getting covered as a student
Many universities require proof of coverage, and while some students from the EU can use their European Health Insurance Card (EHIC), in most cases, non-EU students need commercial insurance. Some students may access public insurance, but private policies typically provide broader coverage, including hospital stays, emergency care, and preventive check-ups. There are several options tailored to students, including ISIC student insurance and private policies designed for non-EU nationals studying abroad.
Health Insurance for expats starting a family
Those settling in the Czech Republic with family require comprehensive health coverage that addresses parental needs. EU citizens may access public health insurance if they’re employed or long-term residents, while non-EU citizens can also join the public system if employed or holding permanent residency; otherwise, they may need to buy commercial insurance.
Family-specific policies should include maternity benefits, newborn care, and pediatric services, as well as dental and vision coverage. Some plans also allow for additional coverage based on individual health needs.
In addition to health insurance, life insurance is an important consideration for expats with families. A suitable policy can provide financial security in case of unexpected circumstances. Many providers in the Czech Republic offer policies tailored to expats, but some might require permanent residency.
Planning for healthcare in retirement
Retirees in the Czech Republic should seek a policy that includes long-term medical care and support for chronic conditions. Many standard insurance plans exclude pre-existing conditions or limit coverage after a certain age. When choosing a policy, it is important to consider whether it includes home care, long-term treatments, access to specialist consultations and medications that you would otherwise have to cover yourself.
Staying insured while traveling
For those who travel frequently, short-term coverage that adapts to different countries and situations is essential. EHIC may cover certain services within the EU, but travelers beyond Europe should consider commercial insurance for comprehensive protection. It is important to look for plans that cover medical evacuation, repatriation, and specific activities such as adventure sports. Easiest way to compare all the options of commercial travel insurance is to use Frenkee’s online comparison tool. And always remember, policies may vary, and reading the fine print ensures there are no unexpected gaps in coverage.
How to Choose the Best Insurance Without the Hassle
Choosing the right insurance can be simple with the right tools. Instead of spending hours manually comparing policies and attending pointless meetings, an online tool can simplify the process. Frenkee’s online insurance comparison tool allows expats to find a commercial policy suited to their needs quickly and easily. It is a straightforward way to ensure proper coverage without unnecessary hassle. If you still need help, an expert is always available to assist you, whether via chat or over the phone.
