Do I even need commercial health insurance in Slovakia as a foreigner?

Most foreigners who cannot yet join the Slovak public health system need commercial health insurance for their residence permit, work or study.

Is klido health insurance accepted by the Slovak Foreign Police?

klido arranges commercial health insurance for foreigners that is accepted by the Slovak Foreign Police (cudzinecká polícia) for residence-permit applications. The permit decision itself always rests with the police.

What is the difference between the Simple and Safety plans?

Simple covers urgent and acute care plus accidents and needs no health questionnaire (unless you are 65+). Safety adds prevention, rehabilitation and chronic conditions and requires a short health questionnaire.

How long does it take to get insured?

The whole process is online and takes about 5 minutes for Simple, including the digital signature — no office visit and no paperwork.

Who underwrites klido insurance, and is klido legitimate?

Policies are underwritten by Union poisťovňa, a licensed Slovak insurer. klido is operated by quadur s.r.o., a registered NBS insurance intermediary (#293002), verifiable on regfap.nbs.sk.

Can I cancel and get a refund?

Yes — as a distance contract you have a 14-day right of withdrawal; just write to info@klido.sk.

Blog

28 May 2026Klido5 min read

Health insurance for international students in Slovakia: a complete overview

Q: How much does health insurance for foreigners in Slovakia cost with klido?

Simple starts from €0.90/day (emergency care and accidents) and Safety from €1.56/day (adds prevention and chronic conditions). Simple's price is shown instantly online; Safety's final price is set after a short health questionnaire.

Scholarship holder, self-funded, Erasmus or non-EU? Every international student in Slovakia has different health insurance entitlements. Find out which rules apply to you.

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