Insurance for Foreigners in Poland – How It Works and How Much It Costs |

Insurance for Foreigners in Poland – How Does It Work and How Much Does It Cost?

More and more foreigners are choosing to stay in Poland for longer periods—whether for work, education, or family reasons. One of the key aspects of a legal and safe stay is Insurance for Foreigners in Poland. How does this type of protection work? Is it necessary? And how much does it cost? We've got the answers!

Does a foreign national need to have health insurance in Poland?

Yes—in most cases, foreign nationals are required to have a valid health insurance. This applies in particular to the following people:

applicants for residence card (temporary or permanent),
who are working in Poland under an employment contract or a contract for services,
who are studying or enrolled in Polish schools and universities,
who are staying for more than 90 days.

Not having insurance may mean you have to pay for medical treatment out of pocket—and those costs can be very high.

What insurance options are available to foreigners in Poland?

There are two main options available in Poland:

1. Public Health Insurance – NFZ

This Voluntary health insurance for a foreign national, which allows you to use the public health care system. To take advantage of it, you must sign a contract with the National Health Fund and pay premiums.

This gives you access to:

family doctors,
specialists,
public hospitals,
reimbursable medications.

The monthly premium in 2025 is approximately 719 PLN, unless the foreign national is employed and the employer pays it.

2. Private health insurance

This is the most common choice for a short-term stay or a visa application. Such a insurance policy for a foreign national includes:

sudden illnesses and accidents,
hospitalization and medical transport,
accidents (NNW),
Multilingual phone support.

If you are applying for residence card, private insurance is also accepted, provided that it covers medical expenses up to a minimum amount of 30,000 euros.

See an offer tailored to your needs:
Health Insurance for Foreigners

How much does insurance cost for a foreigner?

Policy prices depend on many factors: age, country of origin, length of stay, and scope of coverage. Here are some examples of costs:

Short-term insurance (e.g., 30 days): from 70 to 200 PLN,
Annual policy for a residence card: from 300 to 1,500 PLN,
Health insurance plans offered by private clinics: from 100 zł per month.

This is a small amount compared to the cost of medical treatment—a visit to a specialist at a private clinic often costs 200 zł or more, and hospital treatment without insurance can cost as much as several thousand zlotys.

What should you look for when choosing insurance?

When choosing Health insurance for a foreign national, make sure it includes:

outpatient visits and inpatient treatment,
transport to the hospital,
emergencies,
an appropriate monetary limit (at least 30,000 EUR),
recognition by government agencies in Poland.

In addition, it's good if the insurer offers service in English, Ukrainian, or Russian – This makes it easier to get in touch in emergencies.

Summary: Insurance for Foreigners in Poland – Your Safety and Your Obligation

Insurance for Foreigners in Poland This isn't just a formal requirement, but above all a way to protect your health and finances. Whether you're coming to Poland for a few weeks or a few years, it's worth making sure you have the right insurance policy—one tailored to your needs.

If you have questions, need help choosing the right policy, or want to quickly get insurance online—please contact us.

Click here to choose health insurance for a foreign national