Top 9 Insurance Providers for Expats in the Czech Republic
The top 9 insurance companies for expats in the Czech Republic include VUMI, Bupa, Cigna, GeoBlue, William Russell, Allianz Care, IMG, AXA, and DavidShield. These providers offer a range of international health insurance plans designed to meet the diverse needs of expatriates living in the country.
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Choosing the right health insurance as an expat in the Czech Republic requires considering factors such as coverage options, benefits, and the company’s reputation for customer service. This Pacific Prime guide highlights the best providers and their offerings, helping you make an informed decision about your healthcare coverage abroad.
Best International Health Insurance Options for Expats in the Czech Republic
The best international health insurance for expats in the Czech Republic offers comprehensive coverage that expats will need in their journey abroad. From inpatient and outpatient coverage to medical evacuation and telehealth services, expats can navigate into the unknown with confidence.
The top 10 insurance companies in the Czech Republic for expats are:
VUMI Insurance Plans for Expats in the Czech Republic
VUMI has five different plan levels– Global Flex VIP Basic, Standard, Superior, Ultra, and Total, each providing certain benefits up to the annual benefit limit. Expats in the Czech Republic can also opt for maternity, routine dental, and optical coverage if necessary (subject to a waiting period).
Here’s a list showing the benefits of their respective plan levels:
- Global Flex VIP Basic Plan: With an annual limit of US $3,000,000, the VIP Basic plan is the most affordable insurance option for expats in the Czech Republic. It offers comprehensive inpatient coverage, with outpatient services after hospitalization or surgery.
- Global Flex VIP Standard Plan: With an annual limit of US $3,500,000, this plan offers step-up coverage from the Basic plan with optional wellness and optical benefits for an additional premium.
- Global Flex VIP Superior Plan: With an annual limit of US $4,000,000, the Superior Plan has options for additional optical and maternity benefits. It also includes coverage for outpatient benefits like complementary therapies.
- Global Flex VIP Ultra Plan: With an annual limit of US $4,500,000, the Ultra plan includes routine dental coverage and maternity benefits. Optical benefits can be added as well.
- Global Flex VIP Total Plan: The Total Plan offers an annual limit of US $5,000,000. This plan includes the highest benefit limits and high coverage for dental and maternity benefits.
Bupa’s Health Insurance for Expats in the Czech Republic
Bupa is considered one of the best insurance companies because of its long-established brand name, dedicated customer service, and 24/7 medical help through Bupa’s Global Virtual Care, a leading telehealth platform capable of offering personalized treatment through technology.
Bupa is reputed for its excellent benefit provision across all plan tiers, including:
- Extensive network of providers
- Online and in-app access to support services through MembersWorld
- Customized insurance plans
- Second medical opinions
- Direct access to specialists without referral
- Direct billing
- Lifetime renewal
- Coverage for two children under 10 at no additional cost
Bupa is one of the most popular choices for families due to the coverage for two children under 10 at no additional costs, meaning your children’s medical expenses are also calculated and covered under your policy, saving a decent amount of neonatal and potential pediatric medical expenses.
Cigna Health Insurance Plans for Expats in the Czech Republic
Cigna offers global health insurance to expats from over 200 countries and jurisdictions. Their widespread network of hospitals and doctors, coupled with round-the-clock customer support, has received acclaim from numerous expats for the convenience and professionalism they provide.
Cigna’s international health insurance plan is separated into three plan tiers: Silver, Gold, and Platinum. Here are the core benefits covered in all tiers (but to different extents).
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Cigna Health Insurance Plans: Standard Medical Benefits |
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|
Benefits Coverage |
Silver | Gold |
Platinum |
| Annual Limit Amount | US $1,000,000 | US $2,000,000 | Unlimited |
| Inpatient Treatment | ✓ | ✓ | ✓ |
| Rehabilitation | US $5,000 | US $10,000 | ✓ |
| Ambulance Services | ✓ | ✓ | ✓ |
| Out-of-Area Emergency Hospitalization | US $100,000 | US $250,000 | ✓ |
Cigna provides expatriates with a range of deductible and cost-share options to effectively manage the premiums associated with their international health insurance plans. Below are the available choices for deductibles, cost-share percentages, and out-of-pocket maximums that can be selected:
- Deductible: US $0, $375, $750, $1,500, $3,000, $7,500, $10,000
- Cost-share after deductibles: 0%, 10%, 20%, 30%
- Out-of-pocket maximum: US $2,000 or $5,000
GeoBlue Health Coverage for Expats in the Czech Republic
GeoBlue’s Xplorer is an international health insurance for expats that has a network of providers spanning more than 180 countries with over 1.7 million providers. Every member can access phone-based or online support and telehealth services (Global TeleMDTM) all year round.
GeoBlue features cashless appointments, paperless claims resolutions, and an extensive direct billing network, so expats in the Czech Republic can freely choose a hospital, and do not have to worry about paying large hospital bills upfront and facing financial pressure waiting for reimbursement.
There are a total of two plan levels– Xplorer Essential and Xplorer Premier. The former provides minimal to no US coverage, while the latter provides worldwide coverage. The core benefits of the plans outside the US are:
- Unlimited telemedicine visits
- Optional dental and vision coverage
- Immediate coverage of pre-existing conditions with proof of previous coverage
- A waived deductible for prescriptions, office visits, and preventative care
- Preventative care and examinations
- Inpatient drugs
- Medical equipment
Expats who secured insurance with GeoBlue automatically become their members and can gain exclusive access to their member services application available in Apple and Android. Members can:
- Receive up-to-date news and safety information notifications for their locations
- Access to the provider directory which includes doctor profiles, preferred hospitals, contact information, and addresses
- Get a medical term and phrase glossary for common healthcare terms and phrases in multiple languages
- Use a medicine equivalent tool to help figure out what country-specific equivalent prescriptions and over-the-counter medications
William Russell Health Insurance for Expats in the Czech Republic
William Russell excels at providing comprehensive and customizable international health insurance to expats in the Czech Republic. With the addition of a personal touch in their customer service, they are capable of assisting expats take charge of their own experience abroad.
From inpatient and outpatient treatments to wellness and maternity benefits, William Russell’s international health insurance will have coverage for all these expenses up to the policy limit. It has a total of four tiers: Bronze, Silver Lite, Silver, and Gold.
Below are the core insurance coverage for the four tiers:
|
Benefits Coverage |
Bronze | Silver Lite | Silver |
Gold |
| Annual Benefit Limit | US $1.5 million | US $1.5 million | US $2.5 million | US $5 million |
| Hospital Treatments | ✓ | ✓ | ✓ | ✓ |
| Advanced Diagnostic Tests | ✓ | ✓ | ✓ | ✓ |
| Emergency Medical Evacuation | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
| Lifetime Limit for Mental Health Treatment | US $50,000 | ✗ | US $75,000 | US $100,000 |
Allianz Care: A Trusted Option for Expats in the Czech Republic
Allianz Care is a world-leading health insurance provider with an extensive network of over 1.9 million medical providers. The international health insurance plan has three tiers of coverage, namely Allianz Care, Care Plus, and Care Pro. The plan offers a maximum plan limit of US $5,000,000.
Here are some common examples of benefits and coverage provided by Allianz Care plans:
- Inpatient care
- Oncology
- Medical evacuation
- Nursing at home
- MyHealth Digital services
- Second medical opinion service
- Rehabilitation treatment
- Emergency out-patient treatment
- Expat assistance program
- Travel Security services
High-tier plans typically offer enhanced coverage and benefits to policyholders. To give you an overview of what you can expect from the premiums you pay, here is a concise comparison of the international health insurance plans provided by Allianz.
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Allianz Care Expat Health Insurance Plans Comparison |
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Benefits Coverage |
Care Plan | Care Plus Plan |
Care Pro Plan |
| Maximum Plan Limit | US $2,500,000 | US $4,000,000 | US $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care | ✓ | ✓ | ✓ |
| Oncology | ✓ | ✓ | ✓ |
| Medical Evacuation | ✓ | ✓ | ✓ |
| Preventive Surgery | ✗ | ✗ | US $40,500 |
| Laser Eye Treatment | ✗ | ✗ | US $1,350 |
| Emergency Out-Patient Treatment | US $338 | US $1,015 | US $1,015 |
IMG Insurance Plans for Expats in the Czech Republic
IMG Health offers an international health insurance plan for expats in the Czech Republic with coverage options categorized into Bronze, Silver, Gold, and Platinum. Each category has varying lifetime limits, with a maximum of up to US $8,000,000 per individual.
Designed to cater to expats and families seeking long-term travel, IMG’s international health insurance provides extensive benefits with a non-renewable lifetime limit, which keeps the premium affordable. Individuals planning to relocate should consider opting for a more sustainable plan.
IMG’s comprehensive coverage includes inpatient care, prescription coverage, cancer treatment, and medical emergency services. Additionally, depending on the selected plan level, you have the flexibility to enhance your coverage by adding riders such as dental, vision, maternity, and even sports coverage.
Here’s a comparison of the core benefits provided by IMG’s international health insurance of different tiers:
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IMG Health Insurance Plans Benefits Comparison |
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|
Benefits Coverage |
Bronze | Silver | Gold |
Platinum |
| Physician Visits | ✓ | ✓ | ✓ | ✓ |
| Hospitalization room/board | ✓ | US $600 per day; 240 days max | ✓ | ✓ |
| Surgery | ✓ | ✓ | ✓ | ✓ |
| Labs & X-rays | ✓ | ✓ | ✓ | ✓ |
| Specialist/ Physician visits | Maximum Limit: US $500 (Before Inpatient Treatment) Maximum Limit: US $500 (90 days following Inpatient Treatment or Outpatient Surgery) | Maximum per visit: US $70
Chiropractic maximum per visit: US $50 (with a referral from a physician) Surgical Intervention Consultation maximum: US $500 |
✓ | ✓ |
| Outpatient Surgery | ✓ | ✓ | ✓ | ✓ |
Note: For more information on coverage details, you may want to check out our insurer introduction page.
AXA’s International Health Insurance for Expats in the Czech Republic
AXA has over 50 years of experience offering insurance solutions to more than 95 million clients in 50 countries which makes AXA a great choice for expats looking for wide coverage and flexibility in their insurance policies.
AXA’s international insurance plans are the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. The annual plan limits range from USD $160,000 to $8,000,000. The key features of their international health insurance plans are:
- Experienced 24/7 personal support
- Evacuation and repatriation coverage
- Ambulance transport
- Telehealth service
- CT, PET, and MRI scans
- Rapid claims repay
- Second medical opinion
- Cancer Treatments
- Mind Health Support
- Inpatient hospital charges and surgeries
Foundation Plan
The Foundation plan aims to provide basic insurance coverage for cancer treatments and emergency care. Outpatient treatments such as tests and drugs are optional with top-up insurance. The annual benefit limit is US $160,000.
Standard Plan
The Standard plan is a step up from the Foundation plan, to provide extra dental care (with a waiting period) and a higher annual benefit limit of US $1,600,000.
Comprehensive Plan
The plan includes out-patient coverage in its core (up to a limit) instead of being optional and also opens up the coverage for chronic conditions and eye tests. The annual benefit limit is US $2,400,000.
Prestige Plan
AXA’s Prestige plan features the same coverage as the Comprehensive plan and also covers routine pregnancy care and routine health checks up to the annual benefit limit of US $3,200,000.
Prestige Plus Plan
The Prestige Plus plan provides the same extent of coverage as the Prestige plan, but with a higher annual benefit limit of US $8,000,000.
DavidShield Insurance: A Top Choice for Expats in the Czech Republic
The DavidShield Group is a leading international private health insurance provider, providing insurance solutions to customers in over 150 countries. Their strategic alliances with other worldwide providers have established a solid foundation for a network of world-class medical service providers.
DavidShield is dedicated to providing their customers with the best services, by opening up the gateway for them to access quality healthcare services without paying any out-of-pocket expenses or submitting claim forms.
DavidShield members are offered the DavidCard that enables cashless payment for medical services such as doctor visits, prescription medication, lab tests, imaging tests, and emergency room visits.
The benefits of a DavidShield insurance plan are:
- Instant payouts: If you need to see a doctor abroad, dial the number on the back of your DavidCard. The system will calculate the costs instantly and transfer the money straight onto your card, which you can use like a normal debit card when accessing medical care.
- No paperwork required: When settling a claim, DavidShield is the only insurer capable of doing it in real-time within minutes. You can eliminate the need for paperwork, follow-ups, and a lengthy claims process. Settling claims has never been simpler!
- Re-activation: All policyholders need to do is contact the insurer before going abroad to activate the policy for a set period.
How to Choose the Right Health Insurance in the Czech Republic
By understanding the top 10 insurance companies in the Czech Republic for expats, you can make informed decisions on which company you think is the right choice for you by comparing the flexibility, comprehensiveness, and cost-effectiveness of the international health plans offered.
Insurance brokers are best positioned to compare plans across insurers, supporting you with form-filling issues, claims, and renewal processes. And that’s why you should consider working with a reputed insurance broker like Pacific Prime.
Pacific Prime has over 20 years of experience in the industry, our team of expert advisors can help you find and compare international health insurance in the Czech Republic from these insurance companies so you can further verify your initial thoughts and impressions on these insurers.
Contact our team of expert advisors today, or start by getting an obligation-free quote with our online quote generator!
You can also check out our top 10 insurance companies for expats in Denmark and the Netherlands if that is relevant to your expat journey.
Frequently Asked Questions
How much is health insurance in the Czech Republic?
The annual premium of health insurance in the Czech Republic is approximately EURO €300. International insurance is more expensive, and the final premium also depends on the coverage of your policy.
Is health insurance free in the Czech Republic?
Those who are formally employed in the Czech Republic are automatically enrolled in the country’s public healthcare system. For remote workers or digital nomads, private health insurance is mandatory to stay in the country and access the private healthcare system.
How good is the Czech Republic’s healthcare?
Treatment at private hospitals in the Czech Republic is excellent but expensive. Doctors are highly qualified and experienced. There are English-speaking staff at private hospitals to help with communication. You can also expect much shorter waiting times.
Since joining Pacific Prime, Eric was exposed to a new world of insurance. Having learned about insurance products extensively, he has taken joy and satisfaction in helping individuals and businesses manage risks and protect themselves against financial loss through the power of words.
Although born and raised in Hong Kong, he spent a quarter of his life living and studying in the UK. He believes his multicultural experience is a great asset in understanding the needs and wants of expats and globe-trotters.
Eric’s strengths lie in his strong research, analytical, and communication skills, obtained through his BA in Linguistics from the University of York and MSc in Teaching English to Speakers of Other Languages (TESOL) from the University of Bristol.
Outside of work, he enjoys some me-time gaming and reading on his own, occasionally going absolutely mental on a night out with friends.
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