{"id":3863,"date":"2025-07-08T13:55:24","date_gmt":"2025-07-08T11:55:24","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-cudzoziemca-wymagania-koszty-i-pulapki-2025\/"},"modified":"2026-09-14T12:07:10","modified_gmt":"2026-09-14T10:07:10","slug":"health-insurance-for-foreigners-requirements-costs-and-pitfalls-in-2025","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-cudzoziemca-wymagania-koszty-i-pulapki-2025\/","title":{"rendered":"Health Insurance for Foreigners \u2013 Requirements, Costs, and Pitfalls in 2025"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Why is health insurance mandatory for foreigners?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Everyone <strong>a foreign national residing in Poland<\/strong> Based on a visa, a temporary or permanent residence permit, he or she should have a valid <strong>health insurance<\/strong>. Without it, it will be impossible to obtain <strong>residence cards<\/strong>, and in the event of an accident, you will be responsible for covering the medical expenses. This is especially important when applying for an extension of your legal stay in Poland.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of Health Insurance for Foreigners<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, there are still two main types of insurance available:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Voluntary Insurance with the National Health Fund (NFZ)<\/strong> \u2013 an option for people who want to use the public health care system and meet the relevant requirements.<\/li>\n\n\n<li><strong>Private insurance policy<\/strong> \u2013 most often chosen by people staying for a short time or for the purpose of obtaining <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">visas or residence cards<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Health Insurance Costs for Foreigners<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The premium amount depends on the plan you choose and the insurance company. For private policies, the cost ranges from 50 to 250 z\u0142 per month. <strong>Health Insurance for a Residence Card<\/strong> It must cover medical expenses of at least 30,000 euros. For voluntary insurance through the National Health Fund (NFZ), the monthly premium in 2025 is approximately 600 PLN (or more for new enrollees).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Most Common Mistakes and Pitfalls When Choosing Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurance for Foreigners in Poland<\/strong> It must meet certain conditions\u2014be wary of cheap offers that don\u2019t cover all the required benefits. The most common pitfalls include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>no coverage for hospitalization costs,<\/li>\n\n\n<li>insufficient guaranteed amount,<\/li>\n\n\n<li>a policy not accepted by provincial offices,<\/li>\n\n\n<li>No translation of the insurance policy into Polish.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What documents are required?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To the application for <strong>residence card<\/strong> Please attach a valid <strong>Health Insurance for Foreigners<\/strong> \u2013 whether private or government-sponsored. The policy must be translated into Polish and include confirmation that it covers medical expenses at the required level.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where can a foreigner buy health insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before choosing the right insurance, it\u2019s a good idea to consult with an advisor. You can find proven options on the website:<\/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>https:\/\/polisarium.pl\/turystyczne-zdrowie-i-zycie-firmowe\/ubezpieczenie-cudzoziemca-kl-do-wizy-karty-pobytu<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">More about insurance for foreigners in Poland:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><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><\/li>\n\n\n<li><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><\/li>\n\n\n<li><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><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Don't risk having your stay denied or ending up with unpaid medical bills\u2014choose a legal and safe option <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">Health Insurance for Foreigners<\/a> today.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Every foreign national staying in Poland on the basis of a visa, a temporary residence permit, or a permanent residence permit must have valid health insurance. Without it, you will not be able to obtain a residence card, and in the event of an accident, you will be responsible for covering the cost of medical treatment. It is mandatory to have<\/p>","protected":false},"author":1,"featured_media":3770,"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":[51],"tags":[65,66,75,63,62],"class_list":["post-3863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-cudzoziemca","tag-karta-pobytu","tag-nfz","tag-polisa-ubezpieczeniowa","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>Ubezpieczenie zdrowotne cudzoziemca \u2013 wymagania, koszty i pu\u0142apki 2025<\/title>\n<meta name=\"description\" content=\"Planujesz zamieszka\u0107 lub kontynuowa\u0107 legalny pobyt w Polsce? 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