Thinking about staying in Poland for longer?

Health Insurance in Poland for Foreigners

    If you're looking to get health insurance in Poland, especially as a non-Polish citizen needing a residence card (Karta Pobytu) or visa, you may be wondering how to get health insurance. There are a few different options available to you depending on your situation.

 

NFZ vs. Private Insurance: What Are Your Options?

Here are a few potential routes you could take:

 

1. National Health Fund (NFZ)

    If you're working in Poland and paying social security contributions (ZUS), you should automatically be registered with the NFZ. This means you'll be covered under the national health insurance system, and you'll be able to access healthcare services at state-run facilities.

2. Private Health Insurance

    If you're not eligible for the NFZ or you'd like additional coverage beyond what the national system provides, you could consider purchasing private health insurance. There are several insurance providers that offer plans in Poland that meet the requirements for visa and residence card applications.

3. EU Reciprocal Agreements (EHIC Card)

    If you're a citizen of another EU country, you may be eligible to use your home country's health insurance (like an EHIC card) while in Poland. Similarly, if you're a citizen of a country that has a reciprocal agreement with Poland, you may be able to access healthcare services. It's worth checking with your home country's health insurance provider to see if this is an option for you.

Insurance for Visa & Residence Card (Karta Pobytu)

The requirements differ depending on your legal status in Poland.

Mandatory Health Insurance for a Residence Card (Karta Pobytu)

    If you hold a residence card (Karta Pobytu) in Poland, you are required by law to have health insurance. You can either join the National Health Fund (NFZ) or purchase private health insurance. If you choose private health insurance, it must meet specific criteria set by the regulations to be accepted with your application.

Recommended Health Insurance for a Polish Visa

    If you are in Poland on a visa, you are not required to have NFZ insurance, but it is **highly recommended** to have private insurance. Without it, you would be responsible for paying the full cost of any healthcare services. For many visa types (like a student or work visa), **you must prove you have valid travel medical insurance** for the application.

How to Get the Right Policy

Accessing Healthcare Services

    Once you have health insurance, you can access healthcare services in Poland. If you have joined the NFZ, you can visit state-run facilities. If you have private health insurance, you can visit private healthcare facilities. In either case, it's important to have your insurance card or policy information with you when you seek treatment.

Get Your Visa or Karta Pobytu Insurance with Magro

Navigating the NFZ and private insurance options can be confusing. Our English-speaking agents at Magro are experts in policies for foreigners.

We will find you a plan that:

• Meets all official requirements for your visa or residence card application.
• Is affordable and gives you peace of mind.
• Provides you with the coverage you actually need.

Don't risk your application being rejected. Contact us today for a free quote on health insurance.

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    Regardless of which route you choose, it's important to make sure you have adequate health insurance coverage while in Poland. Healthcare costs can be high, so having insurance can provide peace of mind and financial protection in the event of an illness or injury.