Voluntary Health Insurance for Foreigners – Who Is Eligible and When?

What is voluntary health insurance, and who is it for?

Voluntary health insurance for foreigners is a solution designed for people who do not have access to mandatory health insurance in Poland—for example, those who are not employed, do not run a business, and are not family members of a person insured through the National Health Fund (NFZ). In 2025, this option is increasingly being chosen by people residing in Poland on a long-term basis but who are not covered by the social insurance system. By signing an individual contract with the National Health Fund (NFZ), a foreign national can legally access public health care in Poland.

Who is eligible to sign a contract with the National Health Fund (NFZ)?

Not every foreign national is eligible for voluntary health insurance. In 2025, this option is available to individuals who: – are legally residing in Poland, – hold a valid residence card or national visa, – submit an application to a provincial branch of the National Health Fund (NFZ), – pay the applicable premium and—if required—an additional fee for a gap in coverage. This form of Health insurance for a foreigner in Poland It is intended, among others, for job seekers, students, children of foreign nationals, and seniors who are not working but want access to a family doctor and a hospital.

What documents do I need to prepare?

To gain access to voluntary health insurance through the National Health Fund (NFZ), a foreign national must submit: – an application for voluntary health insurance, – a copy of a residence document (residence card, visa, passport), – a document confirming the legality of their stay, – a declaration regarding prior insurance coverage or the lack thereof, – confirmation of payment of any applicable fee for a gap in coverage. Such insurance policy for a foreign national It is entered into with a government agency, not a private insurer, and entitles the holder to the same benefits as a Polish citizen.

How much does voluntary health insurance cost for foreigners?

The amount of the premium depends on the national average wage. In 2025, this will be approximately 700–800 PLN per month.  In addition, people who have not been insured by the National Health Fund (NFZ) for an extended period must pay a one-time fee for the gap in coverage—the amount depends on the length of the gap (it can range from a few hundred to several thousand zlotys).   That is why some people opt for private Health insurance for foreigners, which may be cheaper, although they are not always accepted by government agencies when it comes to, for example, residence permits. Check out these alternative solutions:   Health Insurance for Foreigners

What rights does this insurance provide?

After signing a contract with the National Health Fund (NFZ), a foreign national is entitled to: – free visits to a primary care physician, – hospital treatment, – diagnostic tests, – specialist care, – reimbursement for medications. Importantly – Health Insurance for Foreigners in Poland It also includes access to nighttime and holiday medical care and emergency medical services.

When is it better to choose private insurance?

For many foreigners, a private insurance policy is a faster and cheaper option—especially if they are staying in Poland for a short time, are awaiting a residence permit decision, or do not want to pay the high NFZ premiums. This type of Medical Expense Insurance for Foreigners It typically covers sudden illnesses, outpatient treatment, hospitalization, and medical transport. Although it does not provide the full range of benefits offered by the National Health Fund (NFZ), it does provide coverage in the event of an accident or illness. You can find more information here:   Health Insurance for Foreigners – What Should You Know Before Coming to Poland?

How long does voluntary insurance last?

The agreement with the National Health Fund (NFZ) is concluded for an indefinite period, but it can be terminated at any time—for example, after finding a job and switching to mandatory health insurance. A foreign national may also change their health coverage to a different plan at any time—depending on their current life situation. It is worth remembering that Health Insurance for Foreigners It should be continuous—any interruption could have serious consequences, especially when applying for a residence permit.

What about the foreign national's children and family?

A person voluntarily insured with the National Health Fund (NFZ) may also enroll their children and spouse in the insurance program if they are not otherwise covered. This is a beneficial option for families planning a longer stay in Poland. Insurance for Foreigners They may also include family plans—both through the National Health Fund (NFZ) and private insurance companies. Their coverage is flexible and allows all family members to be covered by health insurance.

Does this insurance allow you to obtain a residence card?

Yes—voluntary insurance through the National Health Fund (NFZ) is accepted by provincial offices as a basis for legalizing one’s stay. However, you must present a current contract with the NFZ and proof of premium payments. If a foreign national does not have such insurance, they may provide another valid insurance policy, e.g.,.   KL Health Insurance for Foreigners – What Is It and When Is It Required?

Voluntary health insurance is an essential part of ensuring your health and the legality of your stay in Poland. It provides access to public health care and also allows you to meet the formal requirements when applying for a residence card. Although the cost may be higher than that of private insurance policies, for many foreigners this is the best and safest option.