Having a Baby in the Czech Republic?
Insurance during pregnancy and maternity insurance for children
Children born in the Czech Republic to mothers with long-term residence permits in the Czech Republic*
From 1 January 2024, children born in the Czech Republic to mothers with long-term residence permits are insured in the public health insurance system according to Act No.326/1999 Coll., on the residence of foreigners in the Czech Republic (which also amends Act No.48/1997 Coll., on public health insurance and Act No.592/1992 Coll., on health insurance premiums).
The amendment applies to children born in the Czech Republic whose mother is a long-term resident of the Czech Republic on the date of the child's birth. The child will participate in the public health insurance system from the date of birth until the end of the month in which the child reaches 60 days of age. If an application for long-term residence is submitted on behalf of the child within 60 days of the date of birth, the child will remain in the public health insurance scheme for the duration of the procedure until the decision on the application is made.
The child's legal representative, guardian or custodian is obliged to notify the health insurance company with which the child's mother is insured on the day of the child's birth within 8 days of the birth. If the child's mother is not insured in the Czech Republic, she shall notify the health insurance company with which the child's father is insured on the day of the child's birth. If the parents are not insured in the Czech Republic, they shall notify the General Health Insurance Fund of the Czech Republic of the birth of the child.
The insurance premiums for these newborn children are paid by the legal guardian, guardian or guardian on behalf of the relevant health insurance company for each full calendar month. The claim is always due by the 8th day of the following month. The basis of assessment is the minimum wage for the year. In 2024, the premium is CZK 2 552.
Minors with long-term residence permits in the Czech Republic*
From 1 January 2024, minors with a long-term residence permit in the Czech Republic are insured in the public health insurance system according to Act No.326/1999 Coll., on the residence of foreigners in the Czech Republic (which also amends Act No.48/1997 Coll., on public health insurance and Act No.592/1992 Coll., on health insurance premiums).
These minors will enter the public health insurance system only after the expiry of commercial insurance. They will be registered for the period of validity of the long-term residence permit, but no longer than until they reach the age of majority, i.e. 18 years.
A minor who has been granted long-term residence in the Czech Republic shall be notified by his/her legal representative, guardian or custodian, who is obliged to notify the health insurance company of this fact within 8 days from the date of obtaining a long-term residence permit in the Czech Republic. If such a minor has also taken out commercial insurance, the notification obligation for entering the public health insurance shall be no later than 8 days before the date of termination of the commercial insurance. The health insurance company may be chosen by the legal representative.
The premiums for such minors shall be paid by the legal guardian, guardian or custodian on behalf of the relevant health insurance company for each full calendar month. Claims are due by the 8th day of the following month. The basis of assessment is the minimum wage for the year. In 2024, the premium is CZK 2 552.
*This text is extracted from the VZP ČR website:
https://www.vzp.cz/platci/informace/deti-narozene-v-cr-cizinkam-s-povolenim-k-dlouhodobemu-pobytu
https://en.vzp.cz/information/healthcare-for-foreigners
You can find more information on The Portal for Foreigners of the MOI:
Private Health Insurance for Mothers and Newborns
Foreigners, who are not eligible for public health insurance, can still obtain an insurance to cover the cost for pregnancy, delivery and postnatal care for their newborns.
You can purchase our plan even if you are already pregnant.
Please follow these 4 simple steps:
1. Contact Us to notify that you are having a baby and when.
2. You are then required to schedule and get a medical exam by a locally licensed Doctor or Gynecologist of your choice or Contact Us for help, but you MUST complete and sign the VLP Medical Exam Report in Czech language. Be sure your doctor performs ALL required tests listed in this report.You may be required to revisit the doctor to take additional medical tests, if required by VZP for Foreigners' medical review.
3. Kindly submit the VLP Medical Exam Report together with your completed on-line application at APPLY NOW!
4. Please make complete payment upon approval of your application and exams.
You will receive all necessary insurance documents and ID card within 48 hours of approval.
VZP will cover most medical costs related to maternity and prenatal care, from the 3rd month of pregnancy through delivery and postnatal care until hospital discharge of Mother and New Born Child.
Pregnancy and Maternity coverage costs from 82,590.CZK for a maximum benefit of 1 000,000.CZK with up to 3 months of postnatal hospital care. This includes the Mother's full cost for 12 months' Comprehensive Plan Coverage for Comprehensive Health Insurance for Foreigners in the Czech Republic.
Your New Born Child may join your the Comprehensive Plan after baby is discharged from the hospital upon completing the standard application form at APPLY NOW!
Be sure to attach your child's hospital discharge medical report.
Full payment is required upon approval of your application.
If you are already an insurance Card holder of VZP for Foreigners, No medical exam is required. Pregnancy coverage is already included in your plan, free of charge IF the pregnancy occurs at least 3 months after the start date of your current plan and the baby's delivery occurs at least 8 months after the start date of your current plan. However, In this case postnatal care of the newborn is not covered.
Whether or not you are already covered by us, you must still purchase this plan to cover all of the New Born's hospital expenses.