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

 As a member of the European Union and the Schengen Area, Poland is attracting an increasing number of foreigners: students, workers, entrepreneurs, as well as refugees and tourists. Consequently, the following question is being asked more and more often: Does a foreigner need to have health insurance in Poland? In 2025, the relevant regulations leave no room for doubt— Health Insurance for Foreigners It is not only recommended but, in many cases, mandatory.

When is health insurance required for a foreign national?
 If a foreign national plans to stay in Poland for more than 3 months for the purpose of work, study, or family reunification, they must apply for residence card. In that case Health insurance for a residence card This is a required part of the documentation.

Who is required to have insurance?

– Third-country nationals – Health insurance is required before entry.
    – College and high school students – Private health insurance or voluntary enrollment in the National Health Fund (NFZ) is required.
    – Legally Employed Workers – are covered by their employer's insurance.
    – Visa applicants – must have Insurance for Foreigners to cover medical expenses.

More information: KL Health Insurance for Foreigners – What Is It and When Is It Required?

Voluntary Health Insurance for Foreigners—When Is It Worth It?

People staying in Poland under the visa-free travel program or on a short-term visa should consider Voluntary health insurance for a foreign national. It covers treatment, hospitalization, and medical transport. The following are also commonly used: Health Insurance for Foreigners in Poland, which provide a broader scope of coverage.

See more: Insurance for Foreigners in Poland – How It Works and How Much It Costs

Insurance for a residence card—what must it include?

An insurance policy for a foreign national in Poland must:

– be valid for the entire duration of the stay,
    – include outpatient and inpatient treatment,
    – guarantee coverage of medical expenses totaling at least 30,000 euros,
    – operate throughout Poland.

Such Health Insurance for Foreigners in Poland You can purchase it online. The policy will be honored when you submit an application for insurance for a residence card.

Travel Insurance for Foreigners – When Is It Enough?

For short visits, it's enough to Travel insurance for foreigners, which includes:

– emergency treatment,
    – medical transport,
    – rescue and hospitalization costs.

Check it out: KL Travel Insurance for Foreigners – When and Why Is It Mandatory?

How much does health insurance cost for foreigners?

The price of the policy depends on age, length of stay, and scope of coverage. On average Health Insurance for Foreigners It costs between 500 and 1,500 PLN per year. Discounts are often available for children and students.

How do I purchase a policy?

1. Visit the website: Health insurance for a residence card

2. Select the option that best suits the length of your stay and the type of visa
     3. Fill out the online form and pay the premium
     4. You will receive your policy via email—ready to print and present at the office