KZPC vs. NZPC: which health insurance do you need?
KZPC means comprehensive healthcare insurance. NZPC means necessary and urgent healthcare only. Your correct choice depends primarily on where you apply for your visa or residence permit, how long you will stay, and whether you qualify for Czech public health insurance.
Broader medical cover for eligible foreigners who need comprehensive insurance during their stay. It is not the same as public health insurance.
Designed to cover a wider range of medically necessary outpatient and inpatient care, within the chosen policy terms
Generally the relevant commercial option for long-term visa/residence cover beyond the initial entry period
Always verify prescriptions, preventive care, chronic conditions, pregnancy, dental treatment and exclusions in the actual policy
NZPC · Necessary and urgent medical care
A more limited product intended for necessary and urgent treatment, not a substitute for everyday comprehensive healthcare.
Focuses on unexpected urgent medical needs rather than broad ongoing healthcare
May satisfy the initial 90-day insurance part of certain applications filed at a Czech embassy, with comprehensive cover for the remaining stay
NZPC alone should not be selected for an entire long-term stay merely because it appears less expensive
Choose by your situation
Which insurance should you check first?
Applying at an embassy for a stay over 90 days
You can generally provide comprehensive insurance for the entire stay, or NZPC for the initial 90 days together with comprehensive insurance covering the remaining period. Both certificates may be needed before visa collection.
If commercial insurance is required, the official guidance generally calls for comprehensive healthcare insurance (KZPC). Do not rely on NZPC alone for this type of application.
Before buying commercial insurance, verify whether you are already covered by Czech public health insurance or a statutory exception. For example, specific rules apply to minors with long-term residence and to eligible employees.
Generally suitable scope when private cover is required
Not sufficient by itself for the entire stay
Coverage limits and exclusions
Check issued policy
Check issued policy
Important visa requirement: Where the Czech travel-medical-insurance rules apply, the insured limit must be at least EUR 400,000 per insured event with no insured-person cost sharing. This applies to both KZPC and NZPC. The required document depends on your application. Check the Czech Ministry of the Interior’s official guidance before purchasing.
Policy cover is not determined by the descriptions on this page. For a Czech visa or residence application, verify current official requirements, including any mandatory cover limit, and review the issued policy wording before paying. Pricing is confirmed by the insurer.
When you need medical assistance
Use your insurance assistance contact
Check the assistance telephone printed on your insurance documents for help finding a contracted clinic and understanding next steps. Slavia pojišťovna lists its foreigner health insurance assistance line at +420 255 790 262. Also verify the contact details shown on your own policy card.
For a life-threatening medical emergency in Czechia, call 155 or 112.
Choose a topic to see what to verify. These examples help you read the terms; they are not a promise of coverage or an insurer benefit table.
Always verify your actual product. The current Slavia policy wording, exclusions, applicable limits and your issued contract take precedence over this guide.
Always check the current Slavia Insurance Product Information Document (IPID), general terms, special conditions, exclusions and the issued policy before relying on a particular benefit. Comprehensive (KZPC) and necessary/urgent (NZPC) products do not offer identical coverage.
Comprehensive health insurance (KZPC)
Review outpatient and hospital services, prescriptions, exclusions, insured limits and pre-authorisation rules. Check the product terms for pregnancy or chronic conditions where applicable.
Check which emergencies are covered and whether this limited insurance is acceptable for your individual visa and period of stay. It must not be assumed equivalent to comprehensive cover.
Need official insurance wording or a document version? Request the current Slavia documents applicable to your quotation or issued policy. For policy administration and official assistance, use Slavia pojišťovna’s official policy services. Ask Slavia to confirm which IPID and policy wording apply to your particular quote or issued contract. We do not publish historical policy PDFs as current documents.
Practical next steps
What should you do next?
I need to see a doctor
For non-life-threatening problems, check clinic eligibility with the assistance service, and keep your policy number ready.
That depends on the visa or residence category and whether you already qualify for Czech public health insurance. Check the requirements for your specific application before buying commercial insurance.
Can I use any hospital with Slavia insurance?
Direct billing, provider networks and pre-authorisation depend on the policy. Call the assistance contact whenever practical, but never delay life-saving treatment.
What do I need for a reimbursement request?
Keep medical reports, itemised invoices, payment confirmation and the relevant policy information. Follow the insurer's claim submission instructions and deadlines.
What documents will I receive after buying insurance?
Check the actual issued contract and insurance certificate, and verify that dates and insured-person details meet your embassy's document requirements. See our after-purchase checklist.
