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If you are not a Czech citizen and do not have permanent residence, you will need commercial insurance to cover medical services related to pregnancy, monitoring, childbirth and the newborn’s subsequent stay in the maternity hospital.
This is especially important if you plan to extend a long-term stay (long-term visa or residence permit) — the relevant insurance is part of the mandatory document package.
Comprehensive policies on an extended tariff, for example the “Standard + newborn” tariff, may cover:
Such policies are accepted at most medical facilities in the Czech Republic and meet the legal requirements for extending a long-term stay.
Czech citizens and foreigners with permanent residence are fully entitled to state health insurance. This means:
Foreign women without permanent residence can obtain state insurance only through official employment or, for example, if they are directors of their own company.
Important:
Yes — if you had state insurance (for example, VZP, OZP) before becoming pregnant, all check-ups and childbirth will be covered.
State insurance covers the main costs. However, some services may be paid separately (for example, a private room, additional tests, or a specific doctor's services).
You need to take out specifically the extended insurance with childbirth coverage. Some companies, such as pVZP, have a limit on the newborn's stay in the maternity hospital — up to 3 months after birth. After discharge, you need to take out separate children's insurance.
Only if the waiting periods (čekací doba) are met:
If the birth occurs earlier than 8 months after the policy takes effect, the insurance company has the right to refuse payment.
Standard comprehensive insurance (for example, on the “Standard” tariff) does not include pregnancy as an insured event. For that, you need to take out a separate specialised policy. Its cost is higher — for example, insurance for pregnant women may cost around 76,700 CZK.
Without insurance, you’ll have to pay for everything yourself:
Important: healthcare in the Czech Republic is very expensive. It’s better to arrange the right insurance in advance and avoid unpleasant financial surprises.
