{"id":3849,"date":"2025-03-31T13:08:41","date_gmt":"2025-03-31T11:08:41","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-dla-obcokrajowca-w-polsce-jak-dziala-i-ile-kosztuje\/"},"modified":"2026-09-14T11:57:11","modified_gmt":"2026-09-14T09:57:11","slug":"insurance-for-foreigners-in-poland-how-it-works-and-how-much-it-costs","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-dla-obcokrajowca-w-polsce-jak-dziala-i-ile-kosztuje\/","title":{"rendered":"Insurance for Foreigners in Poland \u2013 How It Works and How Much It Costs"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Insurance for Foreigners in Poland \u2013 How Does It Work and How Much Does It Cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">More and more foreigners are choosing to stay in Poland for longer periods\u2014whether for work, education, or family reasons. One of the key aspects of a legal and safe stay is <strong>Insurance for Foreigners in Poland<\/strong>. How does this type of protection work? Is it necessary? And how much does it cost? We've got the answers!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does a foreign national need to have health insurance in Poland?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014in most cases, foreign nationals are required to have a valid <strong>health insurance<\/strong>. This applies in particular to the following people:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>applicants for <strong>residence card<\/strong> (temporary or permanent),<\/li>\n\n\n<li>who are working in Poland under an employment contract or a contract for services,<\/li>\n\n\n<li>who are studying or enrolled in Polish schools and universities,<\/li>\n\n\n<li>who are staying for more than 90 days.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Not having insurance may mean you have to pay for medical treatment out of pocket\u2014and those costs can be very high.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What insurance options are available to foreigners in Poland?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are two main options available in Poland:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Public Health Insurance \u2013 NFZ<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This <strong>Voluntary health insurance for a foreign national<\/strong>, 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This gives you access to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>family doctors,<\/li>\n\n\n<li>specialists,<\/li>\n\n\n<li>public hospitals,<\/li>\n\n\n<li>reimbursable medications.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The monthly premium in 2025 is approximately <strong>719 PLN<\/strong>, unless the foreign national is employed and the employer pays it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Private health insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the most common choice for a short-term stay or a visa application. Such a <strong>insurance policy for a foreign national<\/strong> includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sudden illnesses and accidents,<\/li>\n\n\n<li>hospitalization and medical transport,<\/li>\n\n\n<li>accidents (NNW),<\/li>\n\n\n<li>Multilingual phone support.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you are applying for <strong>residence card<\/strong>, private insurance is also accepted, provided that it covers medical expenses up to a minimum amount of <strong>30,000 euros<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">See an offer tailored to your needs:<br>\n<a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\"><strong>Health Insurance for Foreigners<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much does insurance cost for a foreigner?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Policy prices depend on many factors: age, country of origin, length of stay, and scope of coverage. Here are some examples of costs:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Short-term insurance (e.g., 30 days):<\/strong> from <strong>70 to 200 PLN<\/strong>,<\/li>\n\n\n<li><strong>Annual policy for a residence card:<\/strong> from <strong>300 to 1,500 PLN<\/strong>,<\/li>\n\n\n<li><strong>Health insurance plans offered by private clinics:<\/strong> from <strong>100 z\u0142 per month<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is a small amount compared to the cost of medical treatment\u2014a visit to a specialist at a private clinic often costs 200 z\u0142 or more, and hospital treatment without insurance can cost as much as <strong>several thousand zlotys<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What should you look for when choosing insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When choosing <strong>Health insurance for a foreign national<\/strong>, make sure it includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>outpatient visits and inpatient treatment,<\/li>\n\n\n<li>transport to the hospital,<\/li>\n\n\n<li>emergencies,<\/li>\n\n\n<li>an appropriate monetary limit (at least 30,000 EUR),<\/li>\n\n\n<li>recognition by government agencies in Poland.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, it's good if the insurer offers <strong>service in English, Ukrainian, or Russian<\/strong> \u2013 This makes it easier to get in touch in emergencies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Summary: Insurance for Foreigners in Poland \u2013 Your Safety and Your Obligation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurance for Foreigners in Poland<\/strong> 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\u2014one tailored to your needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have questions, need help choosing the right policy, or want to quickly get insurance online\u2014please contact us.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\"><strong>Click here to choose health insurance for a foreign national<\/strong><\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p><a href=\"\/en\/guide\/health-insurance-residence-card-the-most-important-formalities\/\">Health Insurance and the Residence Card \u2013 Key Formalities<\/a><\/p><\/li>\n\n\n<li><p><a href=\"\/en\/guide\/kl-travel-insurance-for-foreigners-when-and-why-it-is-mandatory\/\">KL Travel Insurance for Foreigners \u2013 When and Why Is It Mandatory?<\/a><\/p><\/li>\n\n\n<li><p><a href=\"\/en\/guide\/insurance-for-foreigners-in-poland-how-it-works-and-how-much-it-costs\/\">Insurance for Foreigners in Poland \u2013 How It Works and How Much It Costs<\/a><\/p><\/li>\n\n\n<li><p><a href=\"\/en\/guide\/health-insurance-for-foreigners-what-you-should-know-before-coming-to-poland\/\">Health Insurance for Foreigners \u2013 What Should You Know Before Coming to Poland?<\/a><\/p><\/li>\n\n\n<li><p><a href=\"\/en\/guide\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/\">KL Health Insurance for Foreigners \u2013 What Is It and When Is It Required?<\/a><\/p><\/li>\n\n\n<li><p><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 \u2013 Who Is Required to Have It and How Can You Get It?<\/a><\/p><\/li>\n\n\n<li><p><a href=\"\/en\/guide\/auto-insurance-what-types-are-there-how-do-you-file-a-claim\/\">Auto Insurance \u2013 What Are the Different Types? How Do You File a Claim?<\/a><\/p><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>More and more foreigners are choosing to stay in Poland for an extended period\u2014whether for professional, educational, or family reasons. One of the key aspects of a legal and safe stay is insurance for foreigners in Poland. How does this coverage work? Is it required? <\/p>","protected":false},"author":1,"featured_media":3741,"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-3849","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":"<!-- 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