{"id":3820,"date":"2025-06-17T09:57:37","date_gmt":"2025-06-17T07:57:37","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/jak-legalnie-mieszkac-i-leczyc-sie-w-polsce-przewodnik-po-ubezpieczeniach-dla-obcokrajowcow\/"},"modified":"2026-09-14T11:15:03","modified_gmt":"2026-09-14T09:15:03","slug":"how-to-live-and-receive-medical-treatment-legally-in-poland-a-guide-to-insurance-for-foreigners","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/jak-legalnie-mieszkac-i-leczyc-sie-w-polsce-przewodnik-po-ubezpieczeniach-dla-obcokrajowcow\/","title":{"rendered":"How to Live and Receive Medical Care Legally in Poland \u2013 A Guide to Insurance for Foreigners 2025"},"content":{"rendered":"<h2 class=\"wp-block-heading\">The New Reality of Foreigners' Stay in Poland<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The year 2025 brought significant changes to the rules governing the legalization of residence and access to health care for non-Polish nationals. Every foreign national planning a longer stay\u2014whether for professional, educational, family, or humanitarian reasons\u2014must have the appropriate <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">Health Insurance for Foreigners<\/a>. Without it, it will not only be difficult to obtain a residence permit, but also to receive medical treatment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Legal Residence and Insurance\u2014What Does the Law Say?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Polish law requires that anyone applying for: \u2013 a Type D visa, \u2013 a residence card, \u2013 permanent or temporary registration, \u2013 a job, or business registration, must have a valid health insurance policy. Starting in 2025, government offices will verify not only whether a person has a policy, but also its coverage, a translation of the general terms and conditions, and proof of premium payment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Insurance and the Residence Card\u2014What Must the Document Include?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/en\/guide\/health-insurance-for-foreigners-in-poland-who-must-have-it-and-how-to-obtain-it\/\">Health Insurance for Foreigners in Poland<\/a> It must be valid for the entire period while awaiting a decision and for the duration of the stay covered by the permit. The policy should include: \u2013 a minimum coverage limit of 30,000 EUR, \u2013 full coverage of outpatient and inpatient medical expenses, \u2013 medical transport and emergency rescue, \u2013 no deductible, \u2013 a translation of the General Terms and Conditions into Polish.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How do I get insurance for a visa or a stay?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can: \u2013 purchase a private <a href=\"\/en\/guide\/kl-travel-insurance-for-foreigners-when-and-why-it-is-mandatory\/\">KL Travel Insurance for Foreigners<\/a>, \u2013 sign a contract with the National Health Fund (voluntary insurance), \u2013 be registered with the Social Insurance Institution (ZUS) by your employer, \u2013 be covered by group insurance (e.g., through a university).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Private Insurance vs. the National Health Fund (NFZ) \u2013 Differences<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Private insurance policy:<\/strong> It takes effect immediately, provides access to prompt medical care, and is often a required document for legalizing one's stay.<br>\n<strong>National Health Fund (NFZ):<\/strong> It requires signing a contract and waiting out a waiting period (30 days), but it provides access to public health care. <a href=\"\/en\/guide\/insurance-for-foreigners-in-poland-how-it-works-and-how-much-it-costs\/\">Insurance for Foreigners<\/a> It may be cheaper through the National Health Fund, but it's less flexible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is the treatment process like with insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you have private insurance, contact the insurer\u2019s hotline\u2014they will direct you to a facility where a foreign national can receive treatment free of charge. For the National Health Fund (NFZ), all you need is your PESEL number or passport number in the system. Remember to keep all invoices, referrals, and medical certificates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Health Insurance for Children of Foreign Nationals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">All children of foreign nationals must have health insurance\u2014this is a requirement for admission to schools and preschools. They can be covered under a parent\u2019s policy or registered separately with the National Health Fund (NFZ). <a href=\"\/en\/guide\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/\">Health Insurance for Foreigners<\/a> For a child, it often costs less and covers a wide range of services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What isn't covered by a standard policy?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most insurance plans do not cover: \u2013 treatment for chronic conditions (unless you upgrade your policy), \u2013 psychiatric treatment and addiction treatment, \u2013 dental care (except for emergency pain relief), \u2013 pregnancy after the 24th week, \u2013 elective surgeries.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Most Common Mistakes Foreigners Make When Legalizing Their Stay<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013 No translation of the General Terms and Conditions into Polish, \u2013 Purchasing a policy that is too cheap and provides insufficient coverage, \u2013 Failure to pay the premium at the time of application, \u2013 A policy covering only a few days, \u2013 No coverage for hospitalization or medical transport.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where can a foreigner find good insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It's best to use a comparison platform <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">Insurance for Foreigners<\/a>, which allows you to quickly choose a policy tailored to your age, purpose of stay, length of stay, and official requirements. Make sure the policy includes all the necessary elements and has positive reviews.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance isn\u2019t just a formality\u2014it\u2019s a legal obligation and a factor that affects your comfort and safety while living in Poland. A well-chosen policy opens the door to legal residency, education, employment, and health care. Choose it carefully and secure your stay in accordance with applicable law.<\/p>","protected":false},"excerpt":{"rendered":"<p>The year 2025 brought significant changes to the rules governing legal residence and access to health care for non-Polish nationals. Every foreign national planning a long-term stay\u2014whether for professional, educational, family, or humanitarian reasons\u2014must have appropriate health insurance.<\/p>","protected":false},"author":1,"featured_media":3714,"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":[65,66,63,64,62],"class_list":["post-3820","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ciekawostki-ubezpieczeniowe","tag-karta-pobytu","tag-nfz","tag-ubezpieczenie-dla-cudzoziemcow","tag-ubezpieczenie-kl","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>Jak legalnie mieszka\u0107 i leczy\u0107 si\u0119 w Polsce \u2013 przewodnik po ubezpiecze<\/title>\n<meta name=\"description\" content=\"Nowe realia pobytu cudzoziemc\u00f3w w Polsce Rok 2025 przyni\u00f3s\u0142 wa\u017cne zmiany w zasadach legalizacji pobytu i dost\u0119pu do opieki zdrowotnej dla os\u00f3b spoza Polski. 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