{"id":3864,"date":"2025-08-23T00:01:17","date_gmt":"2025-08-22T22:01:17","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-dla-cudzoziemca-w-polsce-co-trzeba-wiedziec-w-2025-roku\/"},"modified":"2026-09-14T12:07:51","modified_gmt":"2026-09-14T10:07:51","slug":"health-insurance-for-foreigners-in-poland-what-you-need-to-know-in-2025","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-dla-cudzoziemca-w-polsce-co-trzeba-wiedziec-w-2025-roku\/","title":{"rendered":"Health Insurance for Foreigners in Poland \u2013 What Do You Need to Know in 2025?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Is health insurance mandatory for foreigners?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, in most cases <strong>Health Insurance for Foreigners<\/strong> In Poland, it is mandatory\u2014especially when a non-EU citizen applies for <strong>residence card<\/strong> or a long-term visa. The lack of valid insurance may be grounds for refusing to issue documents authorizing your stay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This requirement applies, among others, to students, employees, self-employed individuals, and family members of Polish citizens. Furthermore, in the event of a sudden illness or accident, not having insurance can result in very high medical costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check out the details on the website: <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\" rel=\"nofollow\" target=\"_blank\">Insurance for Foreigners<\/a><\/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 Poland, foreigners have two main options to choose from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n\n\n<li><strong>Private Insurance<\/strong> \u2013 purchased individually, most often as <strong>Health Insurance for Foreigners<\/strong>. It offers a wide range of services that are easily accessible online and are often required by government agencies.<\/li>\n\n\n<li><\/li>\n\n\n<li><strong>Voluntary Insurance with the National Health Fund (NFZ)<\/strong> \u2013 An option available to individuals who are legally residing in Poland and wish to enroll in the public health care system. It requires signing an agreement with the provincial branch of the National Health Fund (NFZ) and paying the premium.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You can read more about the formalities here: <a href=\"\/en\/guide\/health-insurance-residence-card-the-most-important-formalities\/\" rel=\"nofollow\" target=\"_blank\">Health Insurance and the Residence Card \u2013 Key Formalities<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much does health insurance cost for foreigners?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Costs vary depending on the plan you choose and the scope of coverage. Private <strong>Health insurance for foreigners<\/strong> In Poland, they are available starting at a few dozen zlotys a month, though more comprehensive plans can cost several hundred zlotys. Prices depend on age, length of stay, and the scope of coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you're wondering exactly how much you'll pay, read on: <a href=\"\/en\/guide\/insurance-for-foreigners-in-poland-how-it-works-and-how-much-it-costs\/\" rel=\"nofollow\" target=\"_blank\">Insurance for Foreigners in Poland \u2013 How It Works and How Much It Costs<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does an insurance policy for a foreign national cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Typical <strong>insurance policy for a foreign national<\/strong> It should include at least:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n\n\n<li>coverage of medical expenses in the event of a sudden illness or accident,<\/li>\n\n\n<li><\/li>\n\n\n<li>the organization of medical transportation,<\/li>\n\n\n<li><\/li>\n\n\n<li>hospital services,<\/li>\n\n\n<li><\/li>\n\n\n<li>specialist consultations,<\/li>\n\n\n<li><\/li>\n\n\n<li>Sometimes also accident insurance or liability insurance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It is worth checking whether a particular offer is accepted by the provincial governor when submitting an application for <strong>residence card<\/strong> \u2013 Not every policy meets the formal requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How do I get health insurance linked to my residence card?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The easiest and fastest way is to purchase a policy online\u2014for example, on the website <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\" rel=\"nofollow\" target=\"_blank\">insurance for a residence card<\/a>. All you need to do is provide your basic personal information, select the policy term, and pay the premium. The documents are sent by email\u2014ready to be submitted to the government office.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Foreigner Without Insurance\u2014What Are the Consequences?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lack of insurance can mean not only financial risk but also administrative problems. The authorities may refuse to issue <strong>visas<\/strong> or <strong>residence cards<\/strong>, and if medical treatment is necessary, an uninsured person must cover all costs out of pocket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, every foreign national planning to stay in Poland legally\u2014whether for work, study, or family reunification\u2014must have a valid <strong>Health Insurance for Foreigners in Poland<\/strong>. It\u2019s best to take care of this in advance\u2014the right insurance policy isn\u2019t just a formal requirement, but also provides real protection for your health and financial security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Find out more: <a href=\"\/en\/guide\/kl-travel-insurance-for-foreigners-when-and-why-it-is-mandatory\/\" rel=\"nofollow\" target=\"_blank\">KL Travel Insurance for Foreigners \u2013 When and Why Is It Mandatory?<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Yes, in most cases, health insurance for foreigners in Poland is mandatory\u2014especially when a non-EU citizen applies for a residence permit or a long-term visa. The lack of valid insurance may be grounds for denying the issuance of documents legalizing one\u2019s stay.<\/p>","protected":false},"author":1,"featured_media":3776,"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":[65,66,74,63,62],"class_list":["post-3864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-cudzoziemca","tag-karta-pobytu","tag-nfz","tag-obowiazek-ubezpieczenia","tag-ubezpieczenie-dla-cudzoziemcow","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- 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