By commission from the institutions I work with, not out of your pocket. Commissions here are supervised by the Czech National Bank and audited closely, and I am not allowed to charge a client for the advice itself. Separately I do offer paid services that have nothing to do with financial products, such as help finding your feet in Prague or coming with you to an office where it helps.

Are you independent or tied?

I am a tied agent of BEplan finanční plánování s.r.o. and I hold all the registrations listed in the legal section at the bottom of this page.

So what does it cost me in the end?

Some investments and some loans do carry fees. They fund the institution's margin and part of that is my remuneration. We always set them together and it depends on the size and the type of the deal. That is exactly what the fee calculator is for: put my numbers in and see the effect yourself.

What if I change my mind?

You can decide at any point not to continue. Nothing about a first conversation obliges you to anything.

Which languages do you work in?

Czech, English, Spanish and Portuguese.

How can I check who you are?

Through the register of the Czech National Bank, which I link to from this page. The examination certificates themselves are in the qualifications section.

I already have something with a bank or another advisor.

Then keep it, if it does its job. Or we compare the conditions and look at whether there is something with the same cover for less, a better expected return, or whether the product suits your situation at all. Sometimes the answer is that you should leave it exactly as it is.

What does the first meeting look like?

Fifteen to thirty minutes online, or in person in Prague 7. You talk, I ask questions, nobody signs anything.

Insurance for foreigners in the Czech Republic

Whether you belong to Czech public health insurance is not decided by your passport. It is decided by your residence and your work. This page sets out who is in the system automatically, who has to buy commercial cover, what changed when the insurance monopoly ended, and why health insurance and income protection are two different things.

Residence and employment decide, nationality does not

You are in public health insurance automatically if you hold permanent residence, or if you work for an employer based in the Czech Republic. For an employee the cover starts on the first day of work and ends on the last one. Anyone outside the public system who stays here longer than 90 days must hold comprehensive commercial health insurance.

Where you fit

Your situation	Health insurance
Permanent residence	Public
Employee of a Czech employer	Public, from your first day at work
EU citizen working in Czechia	Public, under EU coordination rules
Non EU freelancer without permanent residence	Comprehensive commercial
Student, family member, not working	Comprehensive commercial
Child of a foreigner under 18	Public, compulsory since 2024

In any month when the employment is not running, public cover stops and the gap has to be filled by a commercial policy. This is where most residence permit problems come from.

What changed with commercial cover

From 2021 only one insurer was allowed to sell comprehensive health insurance to foreigners. That monopoly ended on 20 September 2023 and you can now buy from any insurer licensed for this product. Price and scope differ between them, so comparing is worth the hour. Since 1 January 2024 children of foreigners under 18 also belong to public insurance by law, and a commercial policy cannot replace it.

Health insurance is not income protection

Health insurance pays for treatment. It does not pay your rent, your loan or your groceries while you cannot work.
Czech sick pay is calculated from a reduced assessment base and lands well below your net salary.
Freelancers pay sickness insurance voluntarily. If you have not been paying it, illness brings you nothing.
A disability pension requires a minimum insured period, which a short stay in the country may not reach.
Your employer accident cover applies to work injuries and occupational disease only, which is the minority of cases.

What to check in the contract

Whether the policy meets the Foreigners Act requirements for your permit type. If it does not, the immigration office will not accept it.
Exclusions, above all pregnancy, chronic conditions and anything that existed before the policy started.
Waiting periods during which nothing is paid out.
The payout limit and whether repatriation is included.
In life cover, which degree of disability triggers a payout and whether the cover is tied to your occupation.

Questions people actually ask

I am starting a job here. Do I still need commercial insurance?

Public cover starts on your first day and your employer registers you. Do not cancel the commercial policy before the registration is confirmed and before you know whether the immigration office still wants to see it.

What happens when the job ends?

Public cover ends on your last day of employment. From the next day you need another solution, usually a commercial policy if you do not hold permanent residence. A gap in cover is also a problem for the immigration authorities.

Can I choose my commercial insurer?

Yes, since September 2023 you can buy from any insurer licensed for this product. They differ in price, exclusions and payout limits, so comparing pays off.

Do I need life insurance if I already have health insurance?

They do different jobs. Health insurance pays for care, life and disability cover replaces income for your family. How much you need depends on your income, your obligations and what your employer already provides.

Do I get anything back if I leave the country?

Health insurance premiums are not refunded, it is a pay as you go system. Pension insurance periods are a different matter. They are not erased and within the EU they are coordinated, so they still count later.

See how much cover you actually need

The calculator starts from your income, your obligations and what your employer already pays for. It shows you the gap, not a product to buy.

Open the income protection calculator Write to me, no obligation

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Contact

Prague 7

Ricardo Acuy

Company ID 08912343

Email ricardo.acuy@beplan.cz

Phone +420 605 965 672

Address Dukelských Hrdinů 564/34, 170 00 Praha 7

Book a call Open the short form

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A colleague from my team

Zbyněk Chmatil is part of my team. He is listed here so that if you deal with him rather than with me, you can check who you are talking to.

Zbyněk Chmatil, contact card

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Registrations and supervision

Ricardo Acuy, Company ID 08912343, is a tied agent of the independent intermediary BEplan finanční plánování s.r.o., Company ID 05779944. Services are provided under the following registrations:

Insurance: tied agent under Act No. 170/2018 Coll., on the distribution of insurance and reinsurance
Consumer credit: tied agent under Act No. 257/2016 Coll., on consumer credit
Investment services and products: tied agent under Act No. 256/2004 Coll., on capital market undertakings
Supplementary pension savings: tied agent under Act No. 427/2011 Coll., on supplementary pension savings

The registration can be verified in the register of the Czech National Bank. Verify

Disclaimer: The information on this website and the results of the calculators are for information and illustration only. They do not constitute investment, legal or tax advice, nor an offer or a proposal to enter into a contract. Any specific recommendation requires an individual assessment of your situation, goals and risk profile. Past performance and modelled results are no guarantee of future returns.