Home/Czech Republic/VZP CR (Vseobecna Zdravotni Pojistovna)

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VZP CR (Vseobecna Zdravotni Pojistovna)

Vseobecna Zdravotni Pojistovna Ceske Republiky

95Score

★★★☆☆3.8

Customer satisfaction · 6.0M members

Expats.cz: #1 Fund, Best for Foreigners(2026)

VZP is the largest health insurance fund in the Czech Republic, covering approximately 57% of the population (~6 million members). It has the widest network of contracted doctors and hospitals, ~190 branches, and operates PVZP subsidiary for commercial health insurance for foreigners.

Overall Score

95/100

Founded

1992

Headquarters

Prague

Type

statutory

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Key Metrics

Population Coverage

~57%

Branches

~190 nationwide

Foreigner Subsidiary

PVZP (Pojistovna VZP)

English Support

yes

Editorial Ratings

Expats.cz: #1 Fund, Best for Foreigners(2026)

Rating: Largest Fund — ~57% of Population, Best for Foreigners (max: #1)

95Expats.cz

Coverage Highlights

✓Largest health insurance fund (~57% of population)
✓Widest network of contracted doctors and hospitals
✓~190 branches nationwide for in-person service
✓PVZP subsidiary for commercial health insurance (foreigners)
✓Strongest wellness and prevention programs

Pros

✓Largest network of healthcare providers
✓Most branches for in-person service
✓English website available
✓Best option for foreigners (via PVZP subsidiary)

Cons

✗Can be bureaucratic due to size
✗Longer wait times at branches
✗Less innovative than smaller funds

Frequently Asked Questions

Is VZP the best option for foreigners in the Czech Republic?

VZP is generally considered the best choice for foreigners due to its widest provider network, English website, and PVZP subsidiary that provides commercial health insurance specifically for non-EU residents.

Are benefits the same at all Czech health insurance funds?

Yes. All seven Czech health insurance funds provide the same core statutory benefits. They differ in supplementary programs, wellness incentives, branch networks, and customer service quality.

How many branches does VZP have?

VZP has approximately 190 branches across the Czech Republic, the most of any health insurance fund.

What is PVZP?

PVZP (Pojistovna VZP) is a commercial subsidiary of VZP that provides health insurance for foreigners in the Czech Republic, including basic and comprehensive plans for non-EU residents.

Quick Summary

InsurerVZP CR (Vseobecna Zdravotni Pojistovna)

Country🇨🇿 Czech Republic

Overall Score95/100

Satisfaction3.8/5

Members6.0M

Typestatutory

Founded1992

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