{"id":3875,"date":"2025-08-22T23:34:31","date_gmt":"2025-08-22T21:34:31","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-dla-obcokrajowcow-w-polsce-jakie-sa-obowiazki-w-2025-roku\/"},"modified":"2026-09-14T12:15:22","modified_gmt":"2026-09-14T10:15:22","slug":"health-insurance-for-foreigners-in-poland-what-are-the-requirements-in-2025","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-zdrowotne-dla-obcokrajowcow-w-polsce-jakie-sa-obowiazki-w-2025-roku\/","title":{"rendered":"Health Insurance for Foreigners in Poland \u2013 What Are the Requirements in 2025?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Does every foreign national have to have health insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014under current regulations, as of 2025, every foreign national residing in Poland must have valid health insurance. This requirement stems directly from the Act on Foreigners and the regulations governing the National Health Fund.\u00a0 This applies both to people arriving for a short time\u2014such as tourists or business travelers\u2014and to those who wish to settle in Poland for the long term. Lack of insurance can lead to serious consequences\u2014such as being denied medical care, problems with legalizing one\u2019s stay, or having to cover medical costs out of pocket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What types of insurance are accepted?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Poland, foreign nationals have several options available to them: \u2013 <strong>Health insurance for a residence card<\/strong>, \u2013 private health insurance purchased from a Polish or international insurance company, \u2013 voluntary insurance through the National Health Fund (NFZ), \u2013 <strong>KL Travel Insurance for Foreigners<\/strong> for short-term visits. Each of these policies must meet specific criteria\u2014primarily, they must cover the costs of medical treatment, hospitalization, and medical transportation, and the guaranteed coverage amount must not be less than 30,000 EUR. View the relevant policy 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 foreign national<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who verifies insurance coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following entities verify insurance coverage: \u2013 provincial offices \u2013 when applications for a residence card are submitted, \u2013 Polish consulates \u2013 when processing visa applications, \u2013 employers \u2013 when hiring foreign nationals, \u2013 border guards and the police \u2013 during checks on the legality of residence. Failure to present a valid insurance policy may result in the rejection of the application or an order to leave Poland.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does health insurance for foreigners in Poland cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The scope of coverage depends on the policy you choose, but it should include at least: \u2013 outpatient treatment, \u2013 hospitalization, \u2013 emergency assistance in the event of an accident, \u2013 specialized care, \u2013 medical transport to a hospital or to your home country. Good <strong>Health Insurance for Foreigners<\/strong> It should be comprehensive and address the real needs of people living outside their home country.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do children and seniors need to have insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014regardless of age, every person legally residing in Poland must have insurance. For children, insurance can be purchased by a parent or guardian. Special plans are available for seniors, although the premium may be higher. <strong>Insurance for a foreigner<\/strong> It can be tailored to your age, health, and the purpose of your stay, so it's a good idea to seek advice before purchasing it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does health insurance allow you to legalize your stay?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014health insurance is one of the basic requirements for obtaining: \u2013 a Type D national visa, \u2013 a temporary or permanent residence card, \u2013 an EU long-term resident permit, \u2013 the right to work or study. Learn more about the formalities: \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\">Voluntary Insurance Through the National Health Fund (NFZ) \u2014 An Alternative to a Private Policy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A foreign national may sign a contract with the National Health Fund if: \u2013 they have legal residency in Poland, \u2013 they have no other basis for health insurance coverage, \u2013 they pay monthly premiums (approx. 700\u2013800 PLN in 2025). This is an option for people planning a long-term stay who wish to use the public healthcare system.   Check the details: \u00a0 <a href=\"\/en\/guide\/health-insurance-for-foreigners-in-poland-who-must-have-it-and-how-to-obtain-it\/\" target=\"_blank\">Health Insurance for Foreigners in Poland \u2013 Who Is Required to Have It and How Can You Get It?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the consequences of not having insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not having a valid insurance policy poses the following risks: \u2013 refusal of treatment at a hospital, \u2013 having to pay the full cost of private medical care, \u2013 refusal to issue an administrative decision regarding your stay, \u2013 problems during border or police checks. For this reason <strong>Health Insurance for Foreigners<\/strong> It's not just a formality, but an absolute necessity in everyday life in Poland.<\/p>","protected":false},"excerpt":{"rendered":"<p>Yes\u2014under current regulations, in 2025, every foreign national residing in Poland must have valid health insurance. This requirement stems directly from the Act on Foreigners and the regulations governing the National Health Fund. This applies to both <\/p>","protected":false},"author":1,"featured_media":3793,"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-3875","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":"<!-- 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 obcokrajowc\u00f3w w Polsce \u2013 jakie s\u0105 obowi\u0105zk<\/title>\n<meta name=\"description\" content=\"Czy ka\u017cdy obcokrajowiec musi posiada\u0107 ubezpieczenie zdrowotne? 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