OZP (Visit website, opens in a new tab)
Public health insurance fund for employees and the self-employed.
Czechia
Statutory + privateHow health coverage works
In Czechia, health cover combines a statutory system with private insurance.
Public health insurance is mandatory and provided by competing insurance funds such as VZP. Private insurers add supplementary or travel cover.
Public health insurance funds
VZP (Visit website, opens in a new tab)
Largest public health insurance fund, covering about half of residents.
ZP MV ČR (Visit website, opens in a new tab)
Public health insurance fund with a broad network of branches.
Supplementary private insurance
Generali Česká pojišťovna (Visit website, opens in a new tab)
Large insurer with supplementary health, accident and travel insurance.
Also offers
Kooperativa (Visit website, opens in a new tab)
Major insurer with accident, travel and other private cover.
Also offers
Key facts
| Official source | Ministry of Health |
|---|---|
| Insurers listed | Generali Česká pojišťovna, Kooperativa, OZP, VZP, ZP MV ČR |
| Last reviewed |
Frequently asked questions
How does health insurance work in Czechia?
Public health insurance is mandatory and provided by competing insurance funds such as VZP. Private insurers add supplementary or travel cover.
Is private health insurance mandatory in Czechia?
It depends on your situation. Czechia combines a statutory system with private insurance; check the official source for who may choose which.
Which health insurers can I look at in Czechia?
Well-known insurers listed for Czechia, in alphabetical order: Generali Česká pojišťovna, Kooperativa, OZP, VZP, ZP MV ČR. This is not a ranking or a recommendation.
Where can I find official information on health cover in Czechia?
Ministry of Health: https://mzd.gov.cz/