How much will health insurance cost for foreigners in Poland in 2025?

Why does a foreigner need to have insurance in Poland?

In 2025, every foreign national legally residing in Poland must have valid health insurance. This is not only a formal requirement when applying for a visa or a residence card, but also a necessity in everyday life—access to a doctor, hospital treatment, or emergency care often depends on having the appropriate insurance policy. Without it, the patient may be responsible for the full cost of treatment—which can amount to several thousand zlotys for a single day of hospitalization. That is why Health Insurance for Foreigners In Poland, this is not just a formality, but a mandatory part of a responsible stay.

What factors determine the cost of health insurance?

At the expense of Health insurance for foreigners in Poland Many factors come into play, including: – the duration of the insurance, – the insured person’s age, – the scope of coverage (medical, accident, liability), – legal status (tourist, employee, student), – whether it is a private policy or a contract with the National Health Fund (NFZ). Foreigners can choose from a variety of options—ranging from basic, short-term travel insurance to comprehensive packages with 24/7 service and outpatient care. Check out one of the popular options:   Health insurance for a residence card

Travel Insurance – How Much Does It Cost?

For people coming to Poland for short stays—such as on tourist or family visas—the most common option is Travel insurance for foreigners. On average, these policies cost: – 40–90 PLN per month of coverage, – 100–250 PLN for 3 months, – 300–500 PLN for half a year, – up to 700–1,000 PLN per year. The price depends, among other things, on the insured person’s age and the scope of coverage. Older people (over 60) may pay more.

Voluntary Insurance Through the National Health Fund (NFZ) – Monthly Cost

Foreign nationals may sign a contract with the National Health Fund if they are legally residing in the country and do not have any other form of health insurance. In 2025, the monthly premium for Voluntary health insurance for a foreign national is approximately 800 PLN. In addition, a fee may be charged for a gap in coverage—up to several thousand PLN if coverage was missing for several years. Despite the high cost, this option provides full access to the public healthcare system. You can read more about this here:   Health Insurance for Foreigners in Poland – Who Is Required to Have It and How Can You Get It?

Are there any cheaper alternatives available?

Yes—many foreigners choose private Health Insurance for Foreigners with limited coverage that meets the formal requirements, e.g., for applying for a residence permit.  This type of insurance costs: – 60–100 PLN per month for people up to age 40, – 120–180 PLN for people over 60, – 300–500 PLN for full annual packages. The advantages include ease of purchase, flexible terms, and fast service. The disadvantages include no access to the National Health Fund (NFZ) and the need to cover certain costs out of pocket.

What factors contribute to a higher insurance premium?

The following factors influence the premium: – the insured person’s age and health, – the duration of coverage—longer policies cost more, – additional coverage: accident insurance, liability insurance, assistance, treatment for chronic conditions, – the need to cover the costs of hospitalization abroad. People planning a longer stay and seeking to legalize their status should choose insurance policies with a minimum coverage limit of 30,000 EUR, because only such policies Insurance for Foreigners are accepted by provincial offices.

Why is it worth investing in a good insurance policy?

Good Health Insurance for Foreigners in Poland It’s not just about meeting legal requirements, but also a guarantee of safety—in the event of an accident, a sudden illness, or a hospital stay. An expense of 100–300 PLN per month is significantly less than the tens of thousands of PLN you’d pay for an uninsured hospital stay. It’s an investment in a legal, peaceful, and safe stay in Poland. You can find details here:   Insurance for Foreigners in Poland – How It Works and How Much It Costs