Voluntary participation in pension insurance coverage is possible for individuals who are 18 years old or older. The appropriate district social security administration (DSSA) for the place of one’s permanent residence or for one’s reported place of residence (in the case of a foreigner) accepts applications and keeps records of voluntary pension insurance coverage. Individuals who do not have a permanent or reported place of residence in the Czech Republic may submit applications to any DSSA, which is obliged to accept them. If the application for participation in voluntary pension insurance coverage is submitted at the time when pension proceedings are already underway, the DSSA where the pension insurance coverage request has been filed is the appropriate DSSA in proceedings on payment of the insurance premium. As of 1 January 2012, participation in voluntary pension insurance coverage is possible only until the day that immediately precedes the day of establishment of the entitlement to old-age pension.
Voluntary participation in pension insurance
From January 1st 2021 the minimum insurance premium for voluntary insurance is CZK 2 482.
It is possible to participate in voluntary pension insurance pursuant to the provisions of § 6, section 1 of Act no. 155/1995 Coll., as amended, for the following reasons:
a) An individual is registered by a labour office as a job applicant, provided unemployment benefits / retraining benefits are not awarded for this period;
b) Systematic preparation for a future occupation – secondary school or university in the Czech Republic or abroad, as the case might be, if – according to the decision of the Ministry of Education - this study program is equal to study programs at secondary schools and universities in the Czech Republic; with the exception of the first six years of this study after reaching the age of 18; the first 6 years after reaching the age of 18 is included as from 1.1.1996. This insurance is possible as from 1.1.2002. As of 1 January 2010, individuals who reach 18 years of age may register for voluntary pension insurance. Confirmation about the duration of one’s studies has to be submitted along with the insurance registration application or insurance deregistration application. Studies can be demonstrated by presenting a report card, credit book, or confirmation from the respective school. The presented documents have to show the date of commencement or termination of studies.
These two types of voluntary insurance coverage can even be applied retroactively prior to submitting the application without any time limits.
c) Gainful activity abroad after 31.12.1995, in the case of:
o An employee within employment;
o Members of cooperatives;
o Self-employed persons.
d) Long-term voluntary service on the basis of a contract concluded with the delegating organization. e) Activities in the Czech Republic on behalf of a foreign employer in the case of individuals, who are employed by a foreign employer and who act on behalf of (in favour of) this employer in the Czech Republic. It is also possible to participate in the insurance prior to submitting an application, however only for up to two years immediately preceding this day.
Participation in insurance coverage for these three types of voluntary insurance is possible at maximum of two years immediately prior to the date of submitting the application.
f) Discharge of the office of Member of European Parliament elected in the Czech Republic – in force from 19 September 2009 [Section 6(1)(f) of Act No. 155/1995 Coll.].
g) Residence abroad for the reason of accompanying one’s spouse who is a member of the diplomatic corps of the Czech Republic – in force from 1 January 2010 [Section 6(1)(g) of Act No. 155/1995 Coll.].
These two types of voluntary insurance coverage can even be applied retroactively prior to submitting the application without any time limits, but no sooner than as of the date of force of the statutory amendment.
h) Voluntary insurance coverage – without stating a reason:
Individuals over 18 years of age who submitted a voluntary insurance coverage registration application even though they do not fulfil the conditions stated above may also apply for voluntary pension insurance coverage.
In such case, however, participation in insurance coverage is possible for a maximum of 15 years. For the period prior to the date of submission of the application, participation in insurance coverage is possible for no more than one year immediately preceding such date. From 1st February 2018 it is also necessary to acquire at least one year of insurance before the date of submission of the application.
If the 15-year period expires and one does not submit insurance deregistration application, participation in the insurance coverage ends on the last day of such period.