If you've searched the web for health insurance that covers expats in the Czech Republic then you are probably for looking for trusted UK based health insurance companies that will cover your medical expenses in the Czech Republic.
Living as an expat in the Czech Republic you want to avoid any unwanted and unexpected medical costs. In some countries these can run into hundreds of thousands of pounds for very serious conditions.
Our advice when shopping around for private medical insurance that covers expatriates living in the Czech Republic is to speak to a insurance broker. Health insurance is very complex and if you want complete certainty that the Czech Republic is covered by your policy you should consult with a broker who can explain which providers will cover medical costs for expatriates in the Czech Republic and which will exclude it.
There are many advantages to using a insurance broker but the biggest by far is that you're using their industry experience at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their brokering services.
- Do you reside in many different areas? Some will give you a cheaper policy premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different policies?
- You've developed a certain medical condition and want to know which insurer offers the largest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every medical insurance provider you can find and ask if they provider cover for expats in the Czech Republic, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one medical insurance broker which will know which policy providers on the market offer cover for expats in the Czech Republic and under what terms they do or don't cover it.
The Czech Republic Information
The Czech Republic has become one of the major tourist destinations in Europe, receiving over 20 million visitors yearly. The capital, Prague, is the most popular destination, by itself receiving over 8 million visitors annually out of which almost 7 million are foreign. Other highly visited destinations include Karlštejn Castle, Kutná Hora, Brno, Český Krumlov, České Budějovice, Olomouc and the Lednice–Valtice Cultural Landscape. Prague attracts large numbers of foreign tourists, mostly from Germany, Russia, Poland, the United States, Israel and the United Kingdom.
As of 2020, the Czech Republic has 14 UNESCO World Heritage Sites. All of them are in the cultural category and one is shared with Germany. The Historic Centre of Prague and the Historic Centre of Český Krumlov are popular among tourists from all over the world.
Prague attracts large numbers of tourists because of low costs associated with nightlife. The large number of bars and clubs, located close together and often open late, serves as additional attraction for certain types of tourists.
The Czech countryside offers protected areas such as Bohemian Paradise (Český ráj), Bohemian Karst (Český kras) and Šumava National Park. The countryside features castles, caves and other landmarks. In South Bohemia, the Šumava Mountains, also in Vysočina, Jizerské hory and Beskydy contain many hiking and cross-country skiing possibilities. The nature reserve Rejvíz is a popular destination in the Jeseníky Mountains.
Prague is served by Prague Václav Havel Airport. For travel within the Czech Republic it is common to use Inter-City trains or buses. Roads are in good condition and include a highway network. There is good tourism infrastructure in every big city and most tourist resorts.