{"id":3817,"date":"2025-08-22T23:38:51","date_gmt":"2025-08-22T21:38:51","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ile-kosztuje-ubezpieczenie-zdrowotne-dla-obcokrajowcow-w-polsce-w-2025-roku\/"},"modified":"2026-09-14T11:12:42","modified_gmt":"2026-09-14T09:12:42","slug":"how-much-will-health-insurance-cost-for-foreigners-in-poland-in-2025","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ile-kosztuje-ubezpieczenie-zdrowotne-dla-obcokrajowcow-w-polsce-w-2025-roku\/","title":{"rendered":"How much will health insurance cost for foreigners in Poland in 2025?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Why does a foreigner need to have insurance in Poland?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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\u2014access 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\u2014which can amount to several thousand zlotys for a single day of hospitalization. That is why <strong>Health Insurance for Foreigners<\/strong> In Poland, this is not just a formality, but a mandatory part of a responsible stay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What factors determine the cost of health insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At the expense of <strong>Health insurance for foreigners in Poland<\/strong> Many factors come into play, including: \u2013 the duration of the insurance, \u2013 the insured person\u2019s age, \u2013 the scope of coverage (medical, accident, liability), \u2013 legal status (tourist, employee, student), \u2013 whether it is a private policy or a contract with the National Health Fund (NFZ). Foreigners can choose from a variety of options\u2014ranging from basic, short-term travel insurance to comprehensive packages with 24\/7 service and outpatient care. Check out one of the popular options: \u00a0 <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\" target=\"_blank\">Health insurance for a residence card<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Travel Insurance \u2013 How Much Does It Cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For people coming to Poland for short stays\u2014such as on tourist or family visas\u2014the most common option is <strong>Travel insurance for foreigners<\/strong>. On average, these policies cost: \u2013 40\u201390 PLN per month of coverage, \u2013 100\u2013250 PLN for 3 months, \u2013 300\u2013500 PLN for half a year, \u2013 up to 700\u20131,000 PLN per year. The price depends, among other things, on the insured person\u2019s age and the scope of coverage. Older people (over 60) may pay more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Voluntary Insurance Through the National Health Fund (NFZ) \u2013 Monthly Cost<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 <strong>Voluntary health insurance for a foreign national<\/strong> is approximately 800 PLN. In addition, a fee may be charged for a gap in coverage\u2014up 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: \u00a0 <a href=\"\/en\/guide\/health-insurance-for-foreigners-in-poland-who-must-have-it-and-how-to-obtain-it\/\" target=\"_blank\">Health Insurance for Foreigners in Poland \u2013 Who Is Required to Have It and How Can You Get It?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are there any cheaper alternatives available?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014many foreigners choose private <strong>Health Insurance for Foreigners<\/strong> with limited coverage that meets the formal requirements, e.g., for applying for a residence permit.\u00a0 This type of insurance costs: \u2013 60\u2013100 PLN per month for people up to age 40, \u2013 120\u2013180 PLN for people over 60, \u2013 300\u2013500 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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What factors contribute to a higher insurance premium?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following factors influence the premium: \u2013 the insured person\u2019s age and health, \u2013 the duration of coverage\u2014longer policies cost more, \u2013 additional coverage: accident insurance, liability insurance, assistance, treatment for chronic conditions, \u2013 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 <strong>Insurance for Foreigners<\/strong> are accepted by provincial offices.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is it worth investing in a good insurance policy?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Good <strong>Health Insurance for Foreigners in Poland<\/strong> It\u2019s not just about meeting legal requirements, but also a guarantee of safety\u2014in the event of an accident, a sudden illness, or a hospital stay. An expense of 100\u2013300 PLN per month is significantly less than the tens of thousands of PLN you\u2019d pay for an uninsured hospital stay. It\u2019s an investment in a legal, peaceful, and safe stay in Poland. You can find details here: \u00a0 <a href=\"\/en\/guide\/insurance-for-foreigners-in-poland-how-it-works-and-how-much-it-costs\/\" target=\"_blank\">Insurance for Foreigners in Poland \u2013 How It Works and How Much It Costs<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>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\u2014access to a doctor, hospital treatment, or medical care<\/p>","protected":false},"author":1,"featured_media":3716,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[46],"tags":[65,66,74,63,62],"class_list":["post-3817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ciekawostki-ubezpieczeniowe","tag-karta-pobytu","tag-nfz","tag-obowiazek-ubezpieczenia","tag-ubezpieczenie-dla-cudzoziemcow","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ile kosztuje ubezpieczenie zdrowotne dla obcokrajowc\u00f3w w Polsce w 2025<\/title>\n<meta name=\"description\" content=\"Dlaczego obcokrajowiec musi mie\u0107 ubezpieczenie w Polsce? 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