End of the PVZP Monopoly – What Does It Mean For You?

#LifeInCzechia News regarding the compulsory health insurance! The insurance monopoly of PVZP (a subsidiary of the General Health Insurance Company of the Czech Republic) is now canceled. Foreigners from non-EU countries who have long-term or permanent residence in the Czech Republic can now choose the insurance company on their own.


You can now choose from any insurance company.


What Was the Monopoly About?

The Czech president Petr Pavel signed the document ending this controversial five-year monopoly on commercial insurance for foreigners which was in effect from August 2021.

The defenders of the monopoly pointed out that it was necessary to ensure that foreigners would be reimbursed for the medical care provided. However, according to the senators, it was contrary to the European law.


New Amendment – New Conditions

With the new amendment, it is believed that foreigners will once again have a choice, and thus the quality of the service increases. Moreover, the amendment will significantly strengthen transparency that respects European law.

Another highlight includes an increase in the health insurance coverage limit. Foreigners with a long-term residence permit will be now covered up to 9.6 million Czech crowns or 400,000 euros.

A new register of health insurance for foreigners will be created within a year. It will contain selected information on commercial health insurance for foreigners. It will be accessible to healthcare institutions and in some cases to the police.


The limit for health insurance coverage was increased.


How to proceed?

After the approval, you are now allowed to terminate your contract with the PVZP Insurance Company. However, you only have three months to do so.

When the termination is completed, you can sign a contract with a new insurance company offering health insurance for foreigners.

To prevent a period when a sick foreigner remains without insurance, insurance companies will have to renew the travel health insurance for those interested.


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Source: Zdravotnickýdenník

Image source: Unsplash, pexels

Monika Tužinská

Hey, my name is Monika. I love exploring the world and learning new languages. I worked in the USA for several months and moved to Brno a year ago, so I know how it feels to live in a different country. Let's discover Czech Republic together.

4 thoughts on “End of the PVZP Monopoly – What Does It Mean For You?

  1. Dear Monika,

    Thank you for your blog. In fact, I signed the contract with PVZP Insurance Company on September 18, 2023, and it is for one year (Comprehensive medical exclusive). The next day, the insurance law was amended. Do I need to change insurance now? Or wait until next year? What are the positives of the new amendment?
    Thank you with appreciation

    Kind regards,

    Sinan Aakef

    1. Hello, thank you for your question! Please contact our office at +420 533 533 787.

  2. Hello,

    I have been living in CZ for 5 years and always had the VZP.
    I am now wondering if I could choose insurance that covers more of the dental surgery and different dental procedures cost?

    Thank you in advance

    1. Hello, thank you for your question! Please contact our office at +420 533 533 787.

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