{"id":3872,"date":"2025-08-22T23:10:37","date_gmt":"2025-08-22T21:10:37","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-dla-karty-pobytu-co-trzeba-wiedziec-w-2025\/"},"modified":"2026-09-14T12:13:19","modified_gmt":"2026-09-14T10:13:19","slug":"health-insurance-for-a-residence-permit-what-you-need-to-know-in-2025","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-dla-karty-pobytu-co-trzeba-wiedziec-w-2025\/","title":{"rendered":"Health Insurance for a Residence Card\u2014What Do You Need to Know in 2025?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Why is health insurance required to obtain a residence permit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every foreign national applying to legalize their stay in Poland must meet certain formal requirements\u2014one of the most important is having valid health insurance. In 2025, the regulations leave no room for doubt: a lack of insurance means that an application for a temporary stay, permanent residence, or EU long-term resident status will be rejected. Poland\u2019s Act on Foreigners and the regulations of the National Health Fund (NFZ) clearly state that <strong>Health insurance for a residence card<\/strong> It must cover the costs of medical treatment, hospitalization, and medical transportation in the event of an emergency.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What type of insurance meets the formal requirements?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For official purposes, the following are most commonly accepted: \u2013 voluntary health insurance through the National Health Fund (NFZ), \u2013 private insurance for foreigners, \u2013 KL travel insurance, provided it meets the criteria for the minimum guaranteed coverage (at least 30,000 EUR). The document confirming the policy should include its validity period, scope of coverage, and the insured person\u2019s details. Full access to medical services within the territory of the Republic of Poland is required, which excludes non-EU national insurance policies that do not cover services in Poland. Check out the right solution here: \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\">Who is required to have insurance? List of situations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Health insurance linked to a residence card will be required in 2025 for: \u2013 individuals taking up employment in Poland, \u2013 foreign nationals joining their families, \u2013 students and doctoral candidates, \u2013 self-employed individuals, \u2013 individuals applying for a residence permit on humanitarian or health grounds. This requirement does not apply exclusively to EU citizens\u2014all third-country nationals must demonstrate that their <strong>insurance for a foreign national<\/strong> It will cover the cost of treatment and protect the state budget from the costs of benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is travel insurance enough?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Temporary KL (medical expenses) insurance may be sufficient if the document confirms that: \u2013 the coverage includes sudden illnesses and accidents, \u2013 the coverage limit is no less than 30,000 EUR, \u2013 the policy is valid for the entire duration of the authorized stay. This type of <strong>Travel insurance for foreigners<\/strong> It is often chosen by people awaiting an official decision or staying in Poland for a short period of time.   You can find more information here: \u00a0 <a href=\"\/en\/guide\/kl-travel-insurance-for-foreigners-when-and-why-it-is-mandatory\/\" target=\"_blank\">KL Travel Insurance for Foreigners \u2013 When and Why Is It Mandatory?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Health Insurance Through the National Health Fund (NFZ)\u2014Can Foreigners Use It?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014a foreign national can enroll in the National Health Fund, but only if they have a valid residence permit and meet one of the following conditions: \u2013 they are employed in Poland, \u2013 they run a business, \u2013 they are a student, doctoral candidate, or schoolchild in Poland, \u2013 has signed a voluntary agreement with the National Health Fund (NFZ) and pays premiums. For many people who are not economically active, private health insurance remains an alternative. <strong>insurance policy for a foreign national<\/strong>, the terms of which can be flexibly tailored to the purpose of the stay and the age of the insured person.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What documents do I need to submit to the office?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An application for a residence card must include: \u2013 a completed form, \u2013 proof of registration or a lease agreement, \u2013 biometric photos, \u2013 proof of financial resources, \u2013 <strong>Health Insurance for Foreigners in Poland<\/strong> \u2013 the original and a copy of the policy. Failure to submit the required documentation means that legal residence status cannot be granted.   Details are described here: \u00a0 <a href=\"\/en\/guide\/health-insurance-residence-card-the-most-important-formalities\/\" target=\"_blank\">Health Insurance and the Residence Card \u2013 Key Formalities<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does the child also need to be insured?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014when applying for a residence card for a child (e.g., as part of family reunification), you must provide proof of health insurance for the minor. This applies to both children born in Poland and those arriving with their parents from abroad. In such cases, it\u2019s a good idea to make sure that <strong>Health Insurance for Foreigners in Poland<\/strong> covering the entire family, which is often more cost-effective than individual policies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Insurance for Foreigners in Poland and Provincial Procedures<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the province, government offices may have additional requirements regarding the policy\u2019s validity period (e.g., no shorter than 12 months) or the document\u2019s format (some accept only paper copies).  Regardless of the region, one thing is certain\u2014 <strong>insurance for a residence card<\/strong> It must be submitted at the time of filing the application, and no later. Therefore, it is not worth delaying its purchase.<\/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\">Prices vary widely\u2014they depend on: \u2013 the insured person\u2019s age, \u2013 the policy term, \u2013 the scope of coverage (health insurance, accident insurance, liability insurance, etc.), \u2013 the type of provider (public or private). On average, the monthly cost of insurance ranges from 40 to 180 PLN.   You can read more about the costs 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>\n\n\n\n<h2 class=\"wp-block-heading\">Don't have insurance? The consequences are serious<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lack of valid insurance results in: \u2013 rejection of an application for legalization of stay, \u2013 lack of access to public health care services, \u2013 the need to cover medical costs out of pocket, \u2013 problems in the event of hospitalization or sudden illness. Protect yourself in advance and choose <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\" target=\"_blank\">Health Insurance for Foreigners<\/a> tailored to your situation. It\u2019s an investment in your legal residency and safety in Poland.<\/p>","protected":false},"excerpt":{"rendered":"<p>Every foreign national applying to legalize their stay in Poland must meet certain formal requirements\u2014one of the most important is having valid health insurance. In 2025, the regulations leave no room for doubt: a lack of insurance means the application will be rejected <\/p>","protected":false},"author":1,"featured_media":3788,"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":[65,66,63,64,62],"class_list":["post-3872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-cudzoziemca","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>Ubezpieczenie zdrowotne dla karty pobytu \u2013 co trzeba wiedzie\u0107 w 2025?<\/title>\n<meta name=\"description\" content=\"Dlaczego ubezpieczenie zdrowotne jest niezb\u0119dne do uzyskania karty pobytu? 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