Why is health insurance mandatory for foreigners?
Everyone a foreign national residing in Poland Based on a visa, a temporary or permanent residence permit, he or she should have a valid health insurance. Without it, it will be impossible to obtain residence cards, and in the event of an accident, you will be responsible for covering the medical expenses. This is especially important when applying for an extension of your legal stay in Poland.
Types of Health Insurance for Foreigners
In 2025, there are still two main types of insurance available:
- Voluntary Insurance with the National Health Fund (NFZ) – an option for people who want to use the public health care system and meet the relevant requirements.
- Private insurance policy – most often chosen by people staying for a short time or for the purpose of obtaining visas or residence cards.
Health Insurance Costs for Foreigners
The premium amount depends on the plan you choose and the insurance company. For private policies, the cost ranges from 50 to 250 zł per month. Health Insurance for a Residence Card It must cover medical expenses of at least 30,000 euros. For voluntary insurance through the National Health Fund (NFZ), the monthly premium in 2025 is approximately 600 PLN (or more for new enrollees).
The Most Common Mistakes and Pitfalls When Choosing Insurance
Insurance for Foreigners in Poland It must meet certain conditions—be wary of cheap offers that don’t cover all the required benefits. The most common pitfalls include:
- no coverage for hospitalization costs,
- insufficient guaranteed amount,
- a policy not accepted by provincial offices,
- No translation of the insurance policy into Polish.
What documents are required?
To the application for residence card Please attach a valid Health Insurance for Foreigners – whether private or government-sponsored. The policy must be translated into Polish and include confirmation that it covers medical expenses at the required level.
Where can a foreigner buy health insurance?
Before choosing the right insurance, it’s a good idea to consult with an advisor. You can find proven options on the website:
More about insurance for foreigners in Poland:
- Insurance for Foreigners in Poland – How It Works and How Much It Costs
- Health Insurance for Foreigners in Poland – Who Is Required to Have It and How Can You Get It?
- KL Travel Insurance for Foreigners – When and Why Is It Mandatory?
Don't risk having your stay denied or ending up with unpaid medical bills—choose a legal and safe option Health Insurance for Foreigners today.
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