Health insurance as a self-employed person
Registering with your insurer as OSVČ, monthly advances and the annual statement.
What this actually is
As a self-employed person you pay your own health insurance monthly, in advance, and settle the real amount after the year ends. Unlike tax, there is a legal minimum advance even in a loss-making year, unless self-employment is only your side activity.
Who it applies to
Anyone carrying on self-employed activity while in the Czech public health insurance system.
When it's required
Notify your insurer within eight days of starting or ending the activity.
Step by step
- 1
Notify your health insurer
Report the start of self-employment; the unified registration form can do this for you.
- 2
Start paying monthly advances
Advances are due each month, with the minimum set annually by the state.
- 3
Say whether it is your main or side activity
If you are also employed, self-employment can be a side activity and the minimum advance does not apply.
- 4
File the annual statement
The přehled (overview) is filed after your tax return and reconciles what you owe.
Documents to bring
- Trade licence extract or proof of activity
- Insurance card and insurer details
- Annual tax returnNeeded to complete the annual overview
Who decides
Your health insurance company
Related
Official information
- VZP — largest public health insurer (English pages)Official source
- Ministry of HealthOfficial source
Last checked: 1 September 2026
This is a plain-English explanation, not legal advice. Requirements change and individual cases differ — confirm with the responsible authority before acting. Information last checked 1 September 2026.