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Expat Exchange - Is Health Insurance Required When Moving to Poland?
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Bydgoszcz, Poland


Is Health Insurance Required When Moving to Poland?

By Joshua Wood, LPC

Universal Tax Professionals
Universal Tax Professionals

Summary: Is health insurance a requirement when you are moving to Poland? This article explores health insurance requirements for newcomers to Poland.

When planning a move to Poland, one of the essential considerations for expats and digital nomads is health insurance. Poland requires all residents to have health insurance coverage. For newcomers, this means that you must have a valid health insurance policy upon arrival, which will cover you until you gain residency and can join the public healthcare system, or if you choose to continue with private insurance. The insurance should meet specific minimum coverage amounts, which can vary depending on your circumstances, and it should be valid for the entire length of your stay. It's crucial to ensure that your insurance is accepted by the Polish authorities for residency purposes.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance policies are designed to meet the requirements set by various countries for residency purposes. However, it is vital to verify that the policy you choose is recognized by the Polish government. The insurance should cover all necessary medical services, including hospitalization, emergency services, and repatriation. It's recommended to check with the insurer and the Polish consulate or embassy to ensure that your policy is compliant with local regulations. Additionally, the policy should provide coverage for the entire duration of your stay, without any gaps.

Which local health insurers offer this type of insurance?

In Poland, there are several local health insurers that offer policies suitable for expats and digital nomads. Some of the well-known insurance companies include PZU, Allianz, and Signal Iduna. These insurers provide a range of health insurance products that can be tailored to meet the needs of individuals moving to Poland. They offer comprehensive coverage that is typically accepted by the Polish authorities for residency applications. It's advisable to compare different policies and read the terms and conditions carefully to ensure that the coverage meets your specific needs.

Advice from Expats in Poland about Health Insurance

Experienced expats in Poland often emphasize the importance of obtaining a comprehensive health insurance plan that provides extensive coverage. They advise newcomers to look for policies that offer direct billing with hospitals and clinics, which can simplify the payment process for medical services. It's also recommended to choose a plan that includes coverage for pre-existing conditions if needed, as well as one that has a reasonable deductible and out-of-pocket maximum. Expats suggest that you should review the insurer's network of medical facilities to ensure that you have access to quality healthcare services in your area. Lastly, consider the customer service and support offered by the insurance company, as having reliable assistance in your language can be invaluable in times of need.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.


Universal Tax Professionals
Universal Tax Professionals

Universal Tax Professionals
Universal Tax Professionals

Bydgoszcz, Poland

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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