Topic outline

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    Welcome to Health insurance for international Students section


    In this section you will find detailed information on how to arrange your insurance, what is acceptable and how to find a doctor when you need one.


    Content overview:

    1. Types of Health insurance and coverage
    2. Insurance necessary for visa/residence permit
    3. Insurance for EU citizens
    4. Find a doctor
    5. About Poliklinika na Narodni
    6. Emotional and/or mental distress


    Additional important information:

    In case of medical emergency call

    • 112 (English speaking operators)
    • 155 (Czech speaking operators)



    • 1.



      Types of Health insurance and coverage


      All international student are required to have a valid health insurance for the duration of their stay in the Czech republic. You need to distinguish between the public insurance and the commercial insurance.

      Public insurance is available to all Czech citizens and foreigners who are employed in the Czech republic. As a foreigner who is not employed in the Czech Republic you cannot be registered in the public insurance, but will have to arrange a commercial insurance.

      EU citizens may not need to purchase the commercial insurance and may be able to use health insurance from their home country to cover them also in the Czech republic. More information about this, you can find in the next section.

      Generally speaking there are three types of coverage when it comes to the commercial insurance; necessary and urgent care which covers emergency situations, comprehensive care which covers essential care and full coverage which is equal to the coverage that a Czech citizen would be eligible for.


      Necessary and urgent care:

      Emergency and urgent medical care means care provided because of injury or sudden illness that requires immediate treatment, outpatient prescription drugs, urgent dental treatment, necessary repatriation of the patient and possibly transport of mortal remains of the insured.


      Comprehensive care:

      Comprehensive care will include also dispensary and preventive health care, acute dentistry, medication prescribed by the doctor and standard health services (eg. vaccinations , OTC drugs , hormonal contraception , etc. ) up to the limit specified in the insurance policy.


      Full coverage:

      Full coverage equals to the coverage available to Czech citizens registered in the public healthcare system. This type of insurance is quite expensive and is not offered by all insurance companies.


      *Other health care fees*

      Regardless of the coverage, you might be required to pay certain non-refundable fees upon your visit to the doctor. These fees are normally charged also to Czech citizens with public health insurance and are not refundable by any insurance company.
      There is a standard fee of 90 CZK for visiting emergency at a hospital which is refundable in case of later hospitalization.


      • Topic 2



        Insurance necessary for visa/residence permit


        If you are a visa student and are applying for long term visa or long term residence permit, you are required by law to arrange comprehensive insurance that covers you in the Czech Republic as well as Schengen area and should cover at least 60.000 EUR of medical costs.


        There is a list of insurance companies that you can choose from:


        As mentioned above you are required to arrange insurance that covers more than just necessary and urgent care. So anything that says "basic" or "necessary and immediate care" will not be considered as comprehensive insurance and may cause troubles when trying to obtain your long term visa or residence permit.


        All the insurance companies above offer the option of arranging insurance online and usually offer discounts for students. When arranging it, please keep in mind that it should cover the entire period that the visa or residence permit is requested for. 
        That means, if you arranged all your visa documents with a 1 year validity, you are requesting the visa for 1 year - your insurance should cover that same period.



        • Topic 3



          Insurance for EU citizens


          As an EU citizen you are eligible for healthcare in the Czech republic on the basis of your European Health Insurance Card (EHIC). If you don't have one, you should contact your national health insurance provider back home and request one. Usually the issuance of the card is free of charge.



          Full care or comprehensive care

          Depending on the rules in your home country you might be eligible for full care or comprehensive care. You can find that out by contacting  the national contact point in your home country and ask if you can sign S1 form as a student who will be studying in a foreign EU country for several years.

          If the rules in your home country allow you to fill out the S1 form, you will be eligible for full care in the Czech Republic.

          If you are not eligible for S1 form your EHIC card will allow you to get comprehensive care in the Czech Republic.



          I am eligible for S1 form. What are the steps I need to take?

          1. Fill out S1 form
            Contact the national contact point for cross-border insurance in your home country and fill out the S1 form. 

          2. Bring S1 form
            Bring S1 form or confirmation that you filled out the S1 form with you to the Czech Republic.

          3. Register with National insurance fund
            Choose one of the 7 health insurance funds in the Czech Republic and register there upon your arrival. We recommend to register with VZP (Všeobecná zdravotní pojišťovna). For registration y
            ou will need S1 form, EHIC card and passport.

          4. Receive yellow card
            Upon registration you will receive a yellow insurance card which will allow you to visit the doctor and be eligible for full care. You need to carry this card with you at all times.



          I am NOT eligible for S1 form. What are the steps I need to take?

          1. Obtain your EHIC card
            If you don't already have an EHIC card, contact your public insurance provider in your home country and apply for an EHIC card 

          2. Register with National insurance fund
            Choose one of the 7 health insurance funds in the Czech Republic and register there upon your arrival. We recommend to register with VZP (Všeobecná zdravotní pojišťovna). For registration you will need EHIC card and passport.

          3. Receive yellow card
            Upon registration you will receive a yellow insurance card which will allow you to visit the doctor and be eligible for comprehensive care. You need to carry this card with you at all times.



          • Topic 4



            Find a doctor



            Non-EU citizens

            As a non-Eu citizen you are required to arrange commercial medical insurance with one of the Czech insurance companies (see above). 

            Each insurance provider has a list of health care providers (doctors) that they cooperate with and that accept that particular insurance. When arranging your insurance, you should check how many providers and what type of providers does certain insurance company have. You can find the list of providers on the insurance providers website.

            Usually, the majority of Insurance companies have arrangements with hospitals and larger health care providers. This can be an inconvenience when you just have a cold or fever. 


            Where to go in case of emergency:

            Medical emergency is something serious such as a broken leg, quick onset of serious illness etc. In such case, please visit a hospital.


            We usually recommend Motol hospital since they have a section for foreigners where they will help you figure out where to go, help negotiate with your insurance and can even provide a translator if need be.


            Where to go if I just have a cold:

            In cases when your medical condition is not an emergency, for example when you have a cold or flu, or you are feeling bad and you need a general practitioner (GP) to check you and tell you where to go. in this case it is good to first check if your insurance provider has contracts with any general doctors in the area. In case they do, contact that doctor and arrange an appointment.


            In case your insurance provider has very little available providers where you can go, you can visit Poliklinika Na Narodni. They are a private clinic with a range of specializing doctors (including GP) that speak English, Russian, German and French. Since this is a private clinic you might be required to pay higher non-refundable fees which you wouldn't have to pay if you used a public institution that accepts your insurance.

            Nonetheless, should you plan on visiting the above mentioned clinic, we suggest that you make an appointment before visiting.

            If you visit Poliklinika na Narodni, you will have to cover your own medical costs as well as certain fees. The staff at the clinic will provide you with receipts and diagnostic sheet which you will need in order to claim the refund from your insurance company. 

            Learn more about Poliklinika na Narodni...



            EU citizens

            The same as with non-EU citizens, when you need a doctor, it is best to first check the list of health-care providers that your health insurance fund cooperates with.

            When considering who to register with, you should check how many providers and what type of providers does certain insurance company have. You can find the list of providers on the insurance providers website.


            Where to go in case of emergency:

            Medical emergency is something serious such as a broken leg, quick onset of serious illness etc. In such case, please visit a hospital.


            We usually recommend Motol hospital since they have a section for foreigners where they will help you figure out where to go, help negotiate with your insurance and can even provide a translator if need be.


            Where to go if I just have a cold:

            In cases when your medical condition is not an emergency, for example when you have a cold or flu, or you are feeling bad and you need a general practitioner (GP) to check you and tell you where to go. In this case it is good to first check if your insurance provider has contracts with any general doctors in the area. In case they do, contact that doctor and arrange an appointment.


            In case your insurance provider has very little available providers where you can go, you can visit Poliklinika Na Narodni. They are a private clinic with a range of specializing doctors (including GP) that speak English, Russian, German and French. Since this is a private clinic you might be required to pay higher non-refundable fees which you wouldn't have to pay if you used a public institution that accepts your insurance. Nonetheless, should you plan on visiting the above mentioned clinic, we suggest that you make an appointment before visiting. 


            If you visit Poliklinika na Narodni, you will have to cover your own medical costs as well as certain fees. The staff at the clinic will provide you with receipts and diagnostic sheet which you will need in order to claim the refund from your insurance company. 

            Learn more about Poliklinika na Narodni...


            • Topic 5


              About Poliklinika na Narodni


              Poliklinika na Narodni is a private health care center which means that you will be required to cover the expenses of treatment out of your own pocket and later ask for a refund at your insurance company.

              Nonetheless, Poliklinika na Narodni is part of UNYP Benefit program which means they offer discount on their services when you show them a valid UNYP ID card. Here you can also find a price-list for basic examinations.



              What to do when you need to visit a doctor?

              We strongly suggest to arrange an appointment in advance by calling:
              (+420) 222 075 119
              (+420) 222 075 120

              When arranging your appointment let the lady on the phone know that you are a UNYP student and make sure you have your UNYP ID card with you when visiting the doctor.


              Please note t
              hat the clinic is open from 8:30 - 17:00.


              How to get there?

              Poliklinika is located at:

              Národní 9 (3rd floor),
              110 00 Praha 1


              The closest public transport stations are:

              Národní divadlo - tram lines: 6, 9, 17, 18, 22
              Národní třída - metro line B



              • Topic 6



                Emotional and/or mental distress


                When moving to another country, starting new school and completely changing the environment can sometimes contribute to emotional stress. If you feel like this is something you are experiencing you can find information what to do below.




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