Insurance for non-EU/EFTA citizens
♦ Is health insurance mandatory for PhD students from non-EU/EFTA countries in Poland?
✅ Yes. All PhD students from outside the EU/EFTA must have valid health insurance for the entire duration of their stay in Poland.
♦ How can non-EU/EFTA PhD students obtain health insurance in Poland?
They must either:
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Conclude a voluntary health insurance contract with the National Health Fund (NFZ), or
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Purchase a private medical insurance policy from any insurance company in Poland.
♦ What are the steps to register for NFZ voluntary health insurance?
Step 1: Submit an application in person at the regional NFZ branch (e.g., NFZ Office in Kielce, ul. Jana Pawła II 9).
Step 2: After signing the agreement, submit a ZUS ZZA form at the Social Insurance Institution (ZUS) or opt for a commercial insurance instead.
♦ What documents are needed to apply for voluntary NFZ health insurance?
You need to provide:
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2 completed NFZ application forms,
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A passport,
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A valid Student ID card,
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An official confirmation letter from your university,
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A document proving your residence in Poland.
♦ What is the monthly cost of voluntary NFZ health insurance?
The current rate is 55.80 PLN per month.
♦ What is considered proof of insurance for NFZ coverage?
You must have:
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A signed contract with the NFZ,
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A submitted ZUS ZZA form, and
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A confirmation of your most recent insurance payment.
♦ How long does the voluntary insurance agreement with NFZ last?
It is concluded for an indefinite period, but must be terminated if you:
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Finish your studies, or
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Become covered by compulsory health insurance (e.g. through employment or another legal title).
♦ What should I do if I obtain another type of NFZ health insurance (e.g., through employment)?
You must immediately notify the Doctoral School Office, because double insurance under NFZ is not allowed.
♦ Can I use private insurance instead of NFZ?
✅ Yes. You can choose to buy private insurance covering medical expenses in Poland from any insurance company.
♦ What must I provide to the Doctoral School Office regarding my insurance?
Submit a copy or scan of your insurance agreement (with NFZ or a private insurer) confirming coverage of treatment costs in Poland.
♦ Where can I receive medical care in Poland as an insured PhD student?
You can visit:
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CENTERMED Student Health Center
These facilities are student-friendly and have English-speaking doctors.
Always bring your NFZ contract and the latest payment confirmation with you.
♦ Where can I find more information about voluntary health insurance in Poland?
Check: