Insurance requirements for studying in Poland
Insurance information for Poland
If you are going to study and live in Poland, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.
Students from the EU/EEA countries
Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance. EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.
Students from outside the EU/EEA
If possible it is recommended that students from non-EU/EEA countries purchase their own international medical insurance prior to their arrival in Poland. Otherwise they are required to sign a voluntary health insurance agreement with the National Health Fund (Narodowy Fundusz Zdrowia; NFZ) and pay their own insurance fees, which amount to about EUR 15 a month. Under this insurance scheme, students are entitled to free medical care and can use university health care clinics and health centres. Also, all foreign students have the option of purchasing additional accident insurance. For detailed information visit the website of the National Health Fund: www.nfz.gov.pl. Though it could be challenging to find the right information as most of the content is in Polish only or temporary unavailable.
Is this enough?
It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local offered health insurance will probably not cover:
- (Additional) medical costs
- Home contents and baggage
- Legal aid
- Worldwide cover
You will need an insurance policy also covering, but also arranging for you, for example:
- You returning home if a close relative is seriously ill or dies;
- Up to two close relatives visiting you in if you fall seriously ill;
- Your medical repatriation to your home country for hospitalization or rehabilitation treatment;
- or in the worst possible situation, returning a body home for burial.
Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.
About PolandPoland represents a great mix of quality education and affordable costs. International students can choose from over 400 universities where programmes are taught in Polish and English. The main advantage of choosing a Polish-taught degree is that you won’t have to pay any tuition fees.
Polish people are known for their hospitality and specific sense of humour, which means you’ll have a lot of fun interacting with locals, making friends, and exploring your surroundings. When you’re not in classes, feel free to travel around, visit the beautiful castles, or go skiing in the Tatra Mountains (during the winter).
Get custom advice for your situation from our partner, Aon. Click the button below and enter the wizard Aon created. It provides information on prices based on your country of origin, destination, and current insurance status. All this without any obligations on your part!
Frequently asked questions
Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance
(European Health Insurance Card - Employment, Social Affairs & Inclusion - European Commission (europa.eu))
An EHIC gives the student the right to access state-provided healthcare during a temporary stay in another EU country, Norway, Iceland, Liechtenstein or Switzerland.
When you are in possession of a valid EHIC during your study period in Poland, it only provides coverage for emergency medical expenses. Please note that this does not include any costs for medical evacuation, physical therapy, acupuncture or emergency dental expenses. You are also not covered for your personal possessions, liability, legal aid, emergency assistance and extra travel expenses.
The validity of the EHIC depends on your home country and your insurer in your home country. It may not cover the full period of studies. Please verify the validity of your EHIC with your insurer in your home country for your study period abroad in Poland.
However, the coverage of the European Health Insurance Card or private insurance may not be sufficient, especially in case of repatriation and specific medical intervention. In that case, a complementary private insurance might be useful.
Taking out an additional insurance during your study abroad in Poland is specially needed for the risks that are not covered for with your EHIC. This to be certain that you are properly insured during your study period.As each country’s healthcare system is different services that cost nothing at home might not be free in another country like Poland.