NFZ Voluntary Insurance
PLN 55/month (~β¬13)
Best for: Non-EU students wanting access to Polish public healthcare
Register at local NFZ office. Same access as Polish citizens to public hospitals and clinics.
Learn more
Health Insurance for Students in Poland
Very affordable! NFZ voluntary insurance ~β¬13/month or private from β¬15/month. EU students can use EHIC.
5 requirements 3 plan options 5 setup steps
Compare Plans Insurance Requirements
- Health insurance mandatory for all students in Poland
- EU/EEA students with EHIC can register with NFZ (National Health Fund)
- Non-EU students must have Polish health insurance (NFZ voluntary or private)
- NFZ voluntary insurance costs ~PLN 55/month (~β¬13)
- Private insurance accepted for visa and university enrollment
Available Insurance Options
Private Health Insurance (Basic)
From β¬15/month
Best for: Students preferring private care or faster appointments
Covers medical emergencies, GP visits, hospital stays. Accepted for visa and enrollment.
Learn morePrivate Health Insurance (Comprehensive)
β¬25ββ¬50/month
Best for: Students wanting premium coverage with dental and specialists
Full private care with faster access, dental, optical, and specialist consultations.
Learn moreCost Overview
| Item | Cost | Details |
|---|---|---|
| NFZ Voluntary Insurance | PLN 55/month (~β¬13) | Extremely affordable public healthcare access. Same coverage as Polish citizens. |
| Private Insurance (Basic) | From β¬15/month | Emergency and basic medical coverage |
| Private Insurance (Comprehensive) | β¬25ββ¬50/month | Premium care with dental, optical, and specialists |
| Doctor Visit (Private) | PLN 100β200 (~β¬23ββ¬46) | Out-of-pocket cost for private doctor visit without insurance |
Item
NFZ Voluntary Insurance
Cost
PLN 55/month (~β¬13)
Details
Extremely affordable public healthcare access. Same coverage as Polish citizens.
Item
Private Insurance (Basic)
Cost
From β¬15/month
Details
Emergency and basic medical coverage
Item
Private Insurance (Comprehensive)
Cost
β¬25ββ¬50/month
Details
Premium care with dental, optical, and specialists
Item
Doctor Visit (Private)
Cost
PLN 100β200 (~β¬23ββ¬46)
Details
Out-of-pocket cost for private doctor visit without insurance
Visa & Insurance Requirements
- Student visa requires proof of health insurance
- EU students: EHIC sufficient
- Non-EU students: NFZ voluntary insurance or private insurance certificate required
- Insurance must cover entire stay duration
- Minimum coverage typically β¬30,000 for medical expenses
How to Get Insured
Apply for Student Visa
Submit visa application with proof of insurance (EHIC for EU, NFZ or private insurance for non-EU).
Arrive in Poland and Register Address
Register your Polish address at the local municipal office (urzΔ d miasta) within 30 days.
Register with NFZ (Optional)
Visit local NFZ office with residence permit, passport, and university enrollment certificate. Pay PLN 55/month for coverage.
Receive NFZ Confirmation
After registration, you'll receive NFZ confirmation and can use public healthcare facilities.
Get PESEL Number (Optional)
Apply for PESEL (Polish ID number) at municipal office. Makes registration and daily life easier.
Student Health Insurance in Poland
Poland offers extremely affordable healthcare for international students. With NFZ voluntary insurance at just β¬13/month or private insurance from β¬15/month, Poland is one of Europeβs most budget-friendly study destinations.
NFZ β Polish Public Healthcare
Non-EU students can register for NFZ (Narodowy Fundusz Zdrowia) voluntary insurance at their local NFZ office. The cost is just PLN 55/month (~β¬13), and it grants you the same access to Polish public healthcare as Polish citizens:
- Doctor visits at public clinics (przychodnia)
- Hospital treatment
- Emergency care
- Specialist referrals
- Prescription medications (with small co-pays)
Private Health Insurance
If you prefer private care or faster appointments, private insurance starts from just β¬15/month. Private insurance offers:
- Faster access to doctors and specialists
- Private clinics and hospitals
- English-speaking doctors
- Dental and optical coverage
EU Students with EHIC
EU/EEA students can use their European Health Insurance Card (EHIC) to access Polish public healthcare. However, many students register with NFZ anyway for easier access and to avoid language barriers.
Why Poland?
With over 90,000 international students, Poland is a rising star in European education. Enjoy low living costs, rich history, world-class universities in cities like Warsaw, Krakow, and WrocΕaw, and incredibly affordable healthcare.
Frequently Asked Questions
Is healthcare cheap in Poland?
Yes! Poland has some of Europe's most affordable healthcare. NFZ voluntary insurance is just β¬13/month, and private insurance starts from β¬15/month.
Can EU students use EHIC?
Yes, EU/EEA students with EHIC can access Polish public healthcare. Registering with NFZ is optional but makes access easier.
What does NFZ cover?
NFZ covers doctor visits, hospital treatment, emergency care, specialist referrals, and prescriptions (with small co-pays).
Should I choose NFZ or private insurance?
NFZ is more affordable and provides access to public healthcare. Private insurance offers faster appointments and more flexibility, but costs slightly more.
How do I see a doctor in Poland?
With NFZ: Visit any public clinic (przychodnia) contracted with NFZ. With private insurance: Visit private clinics. For emergencies, call 999 or visit SOR (emergency room).
Ready to Study in Poland?
Choose between affordable NFZ coverage or flexible private insurance plans.
Compare Plans