Health Insurance for Foreigners in Poland – What Do You Need to Know in 2025?

Is health insurance mandatory for foreigners?

Yes, in most cases Health Insurance for Foreigners In Poland, it is mandatory—especially when a non-EU citizen applies for residence card or a long-term visa. The lack of valid insurance may be grounds for refusing to issue documents authorizing your stay.

This requirement applies, among others, to students, employees, self-employed individuals, and family members of Polish citizens. Furthermore, in the event of a sudden illness or accident, not having insurance can result in very high medical costs.

Check out the details on the website: Insurance for Foreigners

Types of Health Insurance for Foreigners

In Poland, foreigners have two main options to choose from:

• Private Insurance – purchased individually, most often as Health Insurance for Foreigners. It offers a wide range of services that are easily accessible online and are often required by government agencies.
• Voluntary Insurance with the National Health Fund (NFZ) – An option available to individuals who are legally residing in Poland and wish to enroll in the public health care system. It requires signing an agreement with the provincial branch of the National Health Fund (NFZ) and paying the premium.

You can read more about the formalities here: Health Insurance and the Residence Card – Key Formalities

How much does health insurance cost for foreigners?

Costs vary depending on the plan you choose and the scope of coverage. Private Health insurance for foreigners In Poland, they are available starting at a few dozen zlotys a month, though more comprehensive plans can cost several hundred zlotys. Prices depend on age, length of stay, and the scope of coverage.

If you're wondering exactly how much you'll pay, read on: Insurance for Foreigners in Poland – How It Works and How Much It Costs

What does an insurance policy for a foreign national cover?

Typical insurance policy for a foreign national It should include at least:

• coverage of medical expenses in the event of a sudden illness or accident,
• the organization of medical transportation,
• hospital services,
• specialist consultations,
• Sometimes also accident insurance or liability insurance.

It is worth checking whether a particular offer is accepted by the provincial governor when submitting an application for residence card – Not every policy meets the formal requirements.

How do I get health insurance linked to my residence card?

The easiest and fastest way is to purchase a policy online—for example, on the website insurance for a residence card. All you need to do is provide your basic personal information, select the policy term, and pay the premium. The documents are sent by email—ready to be submitted to the government office.

A Foreigner Without Insurance—What Are the Consequences?

Lack of insurance can mean not only financial risk but also administrative problems. The authorities may refuse to issue visas or residence cards, and if medical treatment is necessary, an uninsured person must cover all costs out of pocket.

In 2025, every foreign national planning to stay in Poland legally—whether for work, study, or family reunification—must have a valid Health Insurance for Foreigners in Poland. It’s best to take care of this in advance—the right insurance policy isn’t just a formal requirement, but also provides real protection for your health and financial security.

Find out more: KL Travel Insurance for Foreigners – When and Why Is It Mandatory?