7 must-have insurance policies for expats in Czechia

Planning a move to the Czech Republic or already settling in? Understanding the country’s insurance requirements can save you from unexpected costs and hassles. Here are six essential types of insurance every expat should consider.

Securing health insurance is the first and most crucial step. You might not even complete your visa or residence permit applications without it. Employees in the Czech Republic are automatically enrolled in public health insurance, while freelancers, students, and non-EU residents must secure private coverage.

The public system ensures access to state healthcare facilities but may not cover private clinics or offer English-speaking medical services. If you’re not covered by your employer, you can opt for comprehensive private insurance to guarantee broader coverage, shorter wait times, and access to international healthcare networks.

Finding a place to live is a key milestone for any expat, and securing home insurance should be a priority. While not legally required, covering accidental damage, such as a broken appliance or water damage to a neighbor’s apartment, is always helpful.

Home insurance covers personal belongings, including furniture, electronics, and valuables. Many expats underestimate the cost of replacing essential items after an incident, so having home insurance is an important safeguard.

One of the most overlooked yet valuable types of insurance for expats is liability coverage, and it’s important to distinguish between personal and professional liability. Personal liability insurance protects you in everyday situations. If you break a friend’s expensive camera or your child damages a neighbor’s property, this type of insurance ensures you’re not left paying the bill out of pocket.

But expats working in Czechia should also be aware that, under Czech law, employees are financially responsible for damages they cause at work, up to 4.5 times their gross monthly salary. Your employer can legally claim compensation if you crash a company car or make a costly administrative error. Employee liability insurance covers these situations. It’s useful for everyone from warehouse staff to office workers because even a small mistake can come with a big price tag.

Car insurance is a legal requirement if you are planning to drive in the Czech Republic. Before registering a vehicle, you must secure third-party liability insurance (called povinné ručení), which covers damages caused to other vehicles or property in case of an accident.

If you want to cover damage to your car, comprehensive car insurance (havarijní pojištění) is a popular choice. This covers damages from theft, vandalism, and accidents, providing peace of mind, especially if you drive frequently or park your car on the street.

While health insurance covers medical treatment within the Czech Republic, it doesn’t necessarily apply abroad. Comprehensive travel insurance is an essential investment if you frequently travel within the EU or return home for visits. 

A good policy ensures coverage for medical emergencies, trip cancellations, lost luggage, and medical evacuation. If you often travel for work or have family spread across multiple countries, you might need flexible travel insurance that covers multiple trips per year.

If you want to stay in Czechia long-term, life insurance or income protection insurance is an important safety net for freelancers, business owners, or those with families. While this is not always a priority for new arrivals, securing financial stability over the long term is something many expats should consider after settling in.

Similarly, expats with pets often face high veterinary costs, particularly in urban areas where private vet clinics dominate. Pet insurance helps cover medical expenses, surgeries, and sometimes even liability in case an animal causes damage to someone else’s property.

“Having the right insurance means you’re covered when the unexpected happens, whether it’s a health emergency, damage to your rental, or a car accident," says Jiří Hluchý, CEO and Founder of Frenkee. "Some policies are required by law, others simply help you avoid unnecessary stress and expenses, but together, they make settling into life in the Czech Republic a whole lot easier."

Frenkee’s online insurance comparison tool helps you find the best insurance from the comfort of your home. You can easily select all the criteria that matter to you, from medical coverage to additional protections tailored to your needs, and the tool will suggest the best options. All you have to do is choose the one that suits you best.

And if you need assistance, an expert is always available via chat or phone. No gimmicks and unnecessary meetings—just smart, simple insurance that works for you.