Pregnancy health insurance for foreigners in Czechia 2026: where to buy and how much it costs (7 insurers)

Updated: 15 November 2026

Short answer: if a pregnant foreigner is not in Czech public health insurance, she needs a commercial policy that covers pregnancy and childbirth. In 2026 it is sold by Maxima, Slavia, PVZP, Colonnade, ERGO, Vitalitas and AXA; a 12-month policy costs roughly 65,000 to 221,400 CZK. Women on a Czech employment contract, permanent residents and holders of temporary protection are covered by public insurance. In Prague you can arrange pregnancy insurance at Akimov TRUST — we compare insurers and explain the terms in English, Ukrainian, Russian or Czech.

Who is covered by public insurance

If you are in Czech public health insurance (VZP, OZP, ČPZP and others), pregnancy care and childbirth are fully paid. This applies to:

• foreigners with permanent residence (trvalý pobyt);
• employees on an employment contract with an employer based in Czechia;
• holders of temporary protection — if their premiums are paid by the state or by themselves;
• children under 18 with a long-term residence permit (since 1 January 2024).

Employees also get maternity benefit — see Maternity benefit (mateřská) for foreign women. Public vs commercial insurance — VZP or PVZP.

You need a commercial policy if you are a student, self-employed (OSVČ) without permanent residence, a spouse on family reunification or anyone else outside the public system.

2026 prices: 7 insurers

Insurer	Age of the mother	Price for 12 months
Maxima	15–50	65,000 CZK
Slavia	18–40	78,000 CZK
PVZP	12–44	82,710 CZK
Colonnade	18–45	85,000 CZK
SV (ERGO)	18–40	90,000 CZK
Vitalitas	18–40	111,060 CZK
AXA	15–45	221,400 CZK

Indicative prices from the Akimov TRUST calculator, November 2026. Pregnancy policies are issued for 12 months; we confirm the exact price before you sign.

• Most affordable: Maxima (65,000 CZK), also with the widest age range of 15–50.
• Mid-range: Slavia, PVZP, Colonnade and ERGO (78,000–90,000 CZK).
• Over 40 the choice narrows to Maxima, PVZP, Colonnade and AXA.

What a pregnancy policy covers

• regular gynaecologist check-ups, ultrasound and tests;
• hospitalisation in case of complications;
• childbirth in a maternity hospital;
• the newborn’s stay in the maternity ward until discharge — up to 3 months, depending on the terms.

These policies meet the requirements for extending a visa or residence permit. Terms vary between insurers: waiting periods, limits, clinic networks, direct payment or reimbursement. Read them before you sign.

When to buy

• As early as possible — ideally before pregnancy or right after it is confirmed. The later you buy, the fewer options you have.
• No gaps — the new policy must start the day after the old one ends.
• Mind the age limits — every insurer has its own (see the table).

What to do after the birth

1. Get the birth certificate at the registry office (matrika).
2. Apply for the baby’s residence permit — within 60 days.
3. Arrange the baby’s insurance: with a long-term residence permit the child joins public insurance; until then it needs a policy.

Step by step in A foreigners’ baby born in Czechia.

FAQ

Does standard comprehensive insurance cover childbirth?

Usually not, or only with limits. For pregnancy and childbirth you need a dedicated pregnancy tariff.

How much does pregnancy insurance for a foreigner cost in Czechia?

A 12-month policy in 2026 costs roughly from 65,000 CZK (Maxima) to 221,400 CZK (AXA), depending on the insurer and age.

Do I need commercial insurance if I work?

No, not if you work on an employment contract for a Czech employer: you are in public insurance and childbirth is fully paid.

Where can I buy pregnancy insurance in Prague in English?

For example at Akimov TRUST: an office in Praha 3 (Hartigova 2596/211) and online service, consultations in English, Ukrainian, Russian and Czech, +420 777 277 742.

Sources

• MZV ČR — Informace ke zdravotnímu pojištění cizinců
• Zákon č. 48/1997 Sb., o veřejném zdravotním pojištění
• Zákon č. 326/1999 Sb., o pobytu cizinců

This article is for general information only and is not legal or tax advice. Check the current rules before making a decision, or contact us.