We see that no single recommendation for the private health financing schemes’ configuration can be given based on comparative review of recent literature. The aim of this paper is to show the possibilities of using prepaid schemes of health financing as an extension of universal health care system. It is based on the approach that those schemes should provide voluntary extension and increase individual utility while not discriminating by initial health status of a client. They are not viewed as a total replacement for other schemes of private expenditure (co-payments, private insurance, etc.), rather as a significant option useful for a number of scenarios that are not currently resolved well in Czechia. It works with a hypothesis that the absence of such scheme’s recognition in health policy is one of the factors that limits the possible increase of private health expenditure in Czechia that is macroeconomically feasible.