Short answer
The Czech long-term visa for the purpose of doing business requires comprehensive medical insurance whose coverage amount (the agreed limit per insured event) is at least EUR 400,000, with no cost sharing by the insured person. Since 20 September 2023 the policy can be arranged with any insurer authorised to provide it in the Czech Republic (Source: CZ_IPC_INSURANCE_2026, Medical Insurance; verified 2026-06-10).
Key findings at a glance
| Item | Value |
|---|---|
| Route | Czech long-term business visa (doing business) |
| Authority | Ministry of the Interior of the Czech Republic (IPC) |
| Evidence verified | 2026-06-10 |
| Snapshot | 2026-06-10 |
| Modeled rules | Insurance mandatory; coverage at least EUR 400,000; no cost sharing (no deductible) |
What the authority requires
- Medical insurance is mandatory for the visa. (Source:
CZ_IPC_INSURANCE_2026, Medical Insurance; verified 2026-06-10) - The coverage amount must be at least EUR 400,000 per insured event. (Source:
CZ_IPC_INSURANCE_2026, Medical Insurance; verified 2026-06-10) - There must be no cost sharing by the insured person (no deductible). (Source:
CZ_IPC_INSURANCE_2026, Medical Insurance; verified 2026-06-10)
Normalized requirements table:
| Requirement | Source URL | Locator | Verified date |
|---|---|---|---|
| Insurance is mandatory | https://ipc.gov.cz/en/forms-and-documents/documents/medical-insurance/ | Medical Insurance | 2026-06-10 |
| Coverage at least EUR 400,000 | https://ipc.gov.cz/en/forms-and-documents/documents/medical-insurance/ | Medical Insurance | 2026-06-10 |
| No cost sharing (no deductible) | https://ipc.gov.cz/en/forms-and-documents/documents/medical-insurance/ | Medical Insurance | 2026-06-10 |
Verified requirements (PASS/FAIL/UNKNOWN)
| Requirement | Status | Evidence |
|---|---|---|
| Insurance is mandatory | PASS | IPC Medical Insurance page |
| Coverage at least EUR 400,000 | RED below the threshold; UNKNOWN where no limit is documented | IPC: at least EUR 400,000 |
| No cost sharing (no deductible) | RED where a deductible is documented | IPC: no cost sharing by the insured person |
How we evaluate
The checker compares each modeled requirement against product evidence. The EUR 400,000 threshold is high, so a product is GREEN only when its documented overall limit clears EUR 400,000 (after currency conversion) and it documents no deductible. A documented limit below the threshold, or any deductible, produces RED; a missing limit produces UNKNOWN rather than a guess. See /methodology/ for the full logic and the UNKNOWN > Wrong principle.
Why the common nomad products do not pass
This route is unusually strict, and the result is honest about it:
- SafetyWing Nomad Insurance and World Nomads Explorer have documented limits that convert to roughly EUR 230,000 and EUR 138,000 — both below EUR 400,000 — so they are RED.
- Genki Traveler clears the limit but documents a deductible, which conflicts with the no-cost-sharing rule, so it is RED.
- The Spanish health policies (ASISA, DKV, Sanitas) are de-facto high-limit, but their documents do not state an overall figure to compare against EUR 400,000, so they are UNKNOWN rather than GREEN.
Proof package checklist
- A certificate stating the coverage amount (agreed limit per insured event) is at least EUR 400,000.
- Confirmation that the policy applies no cost sharing (no deductible, no co-payment) to the insured person.
- An insurer authorised to provide the insurance in the Czech Republic.
FAQ
Q: How much coverage is required?
A: At least EUR 400,000 per insured event, with no cost sharing (Source: CZ_IPC_INSURANCE_2026; verified 2026-06-10).
Q: Why do the popular nomad products show RED? A: Their limits convert to below EUR 400,000, or they carry a deductible, which the no-cost-sharing rule rejects.
Q: Why are the Spanish health policies UNKNOWN? A: They do not document an overall limit to compare against the threshold, so the engine does not assume they clear it.
Check in the engine
Use the compliance checker with the current snapshot for this route:
Open Compliance CheckerRelated reading
- Czech long-term business visa requirements (route page)
- Schengen 30,000 EUR insurance rule
- Digital nomad insurance in Europe
Where to find compliant insurance for the Czech business visa
No product is singled out on this page yet. The EUR 400,000, no-cost-sharing requirement is strict, and none of the products currently in the checker documents both a limit at or above EUR 400,000 and no deductible, so each one shows RED or UNKNOWN rather than GREEN. A product will be listed here once its evidence clears both conditions and it shows GREEN for this route.
Use the compliance checker to see the current status of each product for this route.
No affiliate links on this page at this time. We only link to products once their GREEN status rests on documented evidence for this route. See affiliate disclosure.
International payments for Czech visa costs
The Czech long-term business visa requires insurance with a minimum coverage of €400,000 — one of the highest thresholds in Europe. Qualifying policies from EU-authorised insurers typically require payment in EUR.
Wise (EUR transfers) provides low-fee EUR transfers for payments to European insurance providers and other Czech visa-related costs.
Affiliate disclosure: the Wise link above is an affiliate link — commission may be earned at no extra cost to you. This is a financial transfer service, separate from the insurance compliance checker above. See affiliate disclosure.
Disclaimer + Affiliate disclosure
Not legal advice. Compliance results are evidence-based snapshots.
If an affiliate link is present, it appears only after results and does not change the compliance outcome.
Last updated: 2026-06-10
Evidence log
- Source: CZ_IPC_INSURANCE_2026