Insurance for Foreigners in Poland – How to Navigate the Paperwork?

Why is insurance necessary?

Lack of insurance may not only make it difficult to receive medical treatment, but also prevent you from obtaining a residence permit. In Poland, foreign nationals have several options: they can use voluntary health insurance enroll in the National Health Fund (NFZ), take out a private insurance policy, or purchase KL health insurance for a visa or residence card.

Insurance and the Residence Card—What You Need to Know

When applying for legalization of residence, you must present a valid insurance policy. Foreign nationals often choose Health insurance for a residence card, which covers medical expenses in Poland. It’s a good idea to make sure the coverage includes outpatient care, inpatient care, and emergency care.

See also: Health Insurance and the Residence Card – Key Formalities

What are the insurance options for foreigners?

Depending on your immigration status and employment status, you may:

• take advantage of employee insurance—if you have an employment contract or a contract for services,
• register with the National Health Fund (NFZ) as a voluntarily insured person,
• buy Health Insurance for Foreigners in Poland in the form of a private insurance policy (e.g., health insurance, accident insurance, liability insurance).

Check it out: Insurance for Foreigners in Poland – How It Works and How Much It Costs

Common Mistakes and How to Avoid Them

Many foreigners opt for the cheapest insurance policy, which does not meet the formal requirements. The problem arises when the provincial governor rejects an application for a residence permit or the National Health Fund (NFZ) refuses to enroll the applicant in the insurance program. When choosing Insurance for Foreigners in Poland, it's a good idea to seek help from an advisor or use an insurance comparison website.

Where can I buy insurance?

We recommend checking out the offer on the website polisarium.pl, where proven options are available Health insurance for foreigners, which meet all the requirements for residence cards, visas, or temporary residence permits.

See also: Health Insurance for Foreigners in Poland – Who Is Required to Have It and How Can You Get It?