How to Get Money Back from VZP

The Most Common VZP Health Insurance Refunds Explained

Many expats insured with VZP (Všeobecná zdravotní pojišťovna) treat their health card simply as emergency coverage. In doing so, they leave thousands of crowns on the table every year.

Through its Prevention Fund (Fond prevence), VZP reimburses adult policyholders for everyday wellness expenses—ranging from routine dental hygiene and mental health sessions to specialized cancer screenings and sports memberships. Most claims can be submitted in under five minutes using the Moje VZP mobile application.

First Requirement: A Valid 24-Month Preventive Visit

Before submitting a claim, ensure you meet VZP’s foundational requirement for adult benefits:

• Routine Check-Up (Preventivní prohlídka): If you are over 18, you must have completed a routine preventive check-up with your registered General Practitioner (praktický lékař) within the last 24 months.
• System Sync: Your GP must bill this check-up to VZP under the official procedure code. You can verify whether it is logged by checking your personal care history inside the Moje VZP app. If it is missing, your reimbursement request will be automatically rejected.
• No Premium Debts: Your public health insurance payments must be completely up to date.

Deep Dive: Most Popular Benefit Categories

1. Dental Hygiene (Dentální hygiena)

• Amount: 500 CZK annually.
• How it works: Schedule a standard cleaning with any certified dental hygienist in Czechia. Pay out of pocket, collect the receipt (doklad o zaplacení), and submit it.
• Invoice requirement: The receipt must explicitly list your legal name, the date of service within the current calendar year, and the phrase “dentální hygiena.”

2. Mental Health Support (Duševní zdraví)

• Amount: Up to 5,000 CZK (distributed as up to 500 CZK per session for up to 10 sessions).
• Interval: Can be claimed once every 5 calendar years.
• Formats: Covers individual, couples, family, or group therapy conducted in-person or online.
• Mandatory condition: The psychotherapist must be formally registered in VZP’s psychosocial support program network. Therapy must also be preceded by a brief referral or recommendation from your GP or specialist.

3. Cancer Prevention Screenings

• Breast Ultrasound (Ultrazvuk prsou): 500 CZK for women under 45, offering a low-cost bridge before state-funded mammograms begin at age 45.
• Cervical Cancer / HPV Testing: Up to 1,000 CZK for modern biomolecular tests (such as HPV DNA tests) not included in the standard yearly gynecological visit, targeted primarily at women aged 35 and older.

4. Rehabilitation & Physiotherapy

• Amount: Up to 1,000 CZK.
• How it works: Covers therapeutic exercise, post-accident physical therapy, or targeted back/joint rehab outside the regular doctor-prescribed voucher track.
• Requirement: Must be performed by an accredited physiotherapist or rehabilitation clinic with a registered identification number (IČO).

General Claim Rules You Must Follow

To prevent your application from being returned or denied, adhere to these operational parameters:

• Submission Window: Claims must be filed within 3 months of payment. The receipt itself must stem from the current calendar year and cannot be older than 6 months at submission.
• Application Limits: Insured adults can generally submit up to two separate applications per calendar year, allowing you to combine different benefits (for example, Dental Hygiene + Sports).
• Digital Only: Applications are processed through the Moje VZP portal or app.

Steps for Submitting Your Receipt in Moje VZP

1. Log In: Access the Moje VZP app or web portal using your Identita občana (Bank iD is the fastest method for expats) or your registered login credentials.
2. Navigate to Applications: Click on Příspěvky (Contributions/Benefits) from the main menu dashboard.
3. Select Benefit: Choose the relevant category (e.g., Dentální hygiena dospělí).
4. Enter Bank Details: Confirm your Czech bank account number (IBAN/account code) where VZP will transfer the funds.
5. Upload Receipt: Attach a clear, high-resolution photo or PDF of your receipt. Ensure the business registration number (IČO), service date, service name, your name, and the final price are legible.
6. Submit & Track: Track the status under Historie žádostí. Processing typically takes between 2 to 4 weeks, after which the refund is credited directly to your bank account.

Practical Checklist for Your Documents

Before snapping a picture of your invoice, ensure the paper or digital receipt contains:

• Your full name and surname
• Provider’s business name and IČO (company ID number)
• Date of payment (must fall within the current calendar year)
• Unambiguous description of the service rendered (e.g., dentální hygiena, psychoterapie)
• Total amount paid in CZK

Because the VZP Prevention Fund operates on annual budget allocations, individual program quotas can occasionally run out near the end of the year. File your receipts as soon as you receive them rather than waiting until December to guarantee that funds remain available for your claim. For full program terms and updates, check the current official booklet on vzp.cz or review eligible programs directly in your Moje VZP dashboard. We created for you English summary of most popular refunds in : VZP brochure ENG

Maximizing your VZP coverage comes down to two simple habits: keep your routine biennial GP check-up current, and upload your medical receipts immediately rather than letting them pile up in a drawer. Even if you only claim your annual dental hygiene and a gym subscription, that is 1 000 CZK back in your pocket for five minutes of effort on your phone.