One of main obstacles with private financing of health care is the dependency of common insurance product on medical underwriting and pre-existing conditions. In countries like Czechia, where universal health care system exists, this ensures necessary solidarity between healthy and sick citizens and financing objectively needed health care. Suggesting private coinsurance to supplement this system may work for some scenarios but many clients and life situations will be excluded from real possibilities to use it. Therefore, we discuss possible role for prepaid schemes that are independent of health status at the time of buying and provide flexible options for clients that want to allocate their private resources for care above the universally needed and available standard. Although they are not able to cover up for classic insurance scenarios – covering random insurance events usually with high costs, they are able to provide treatment programs that will supplement standard therapeutic and preventive care.