What insurance is required for a household card?

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Consultant # 27

Lawyer

Poland / Poland

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Publication date: 08.11.2024

Insurance for the Polish Card is medical insurance, which is a necessary condition for obtaining a residence permit. This insurance covers the costs of medical care in Poland during a foreigner's stay in the country.

Types of insurance for obtaining a Beat card:

• Health insurance through the NFZ (National Health Fund): if you work in Poland, your company is obliged to provide you with health insurance through the NFZ. In this case, you do not need to take out additional health insurance for the Beat Card, as you will already have access to the Polish health care system.
• Private health insurance: If you do not work in Poland or do not have access to medical services through the NFZ, you need to take out private health insurance, which should cover all medical expenses in Poland.
• Insurance for family members: If you are applying for the Beat Card for the whole family, the health insurance must also cover your relatives. Insurance for the family can be issued both through the NFZ and through a private company.

Key aspects of health insurance for the Beat Card:

1. Requirement for health insurance: Insurance is required to prove your residency status, and without it you will not be able to get a Broken Card.
2. Medical coverage: Insurance must provide access to medical services such as hospital care, therapy, diagnosis, surgery and other treatment.
3. Validity period: the insurance must be valid for the entire period of issuance of the Beat Card and cover the costs of medical services during this time.
4. Documentation: When applying for a Residence Card, you must submit proof of health insurance (insurance policy) that meets the requirements of Polish law.

Thus, health insurance is an important part of the process of legalizing your stay in Poland, and its issuance is mandatory for obtaining a Residence Card. To obtain a Residence Card in Poland, you must have health insurance that meets the requirements of Polish law. Insurance is an important component of legalizing your stay in the country, as it confirms that you will have medical care if necessary during your stay in Poland.

Requirements for health insurance for a Residence Card:

The insurance must cover all medical expenses in Poland for the duration of your stay in the country.

If you are applying for a Residence Card, the health insurance must be valid for the entire period of your stay until the card is issued.

The expenses covered by the insurance must meet the minimum requirements established by Polish law.

The insurance must be confirmed by documents in Polish.

How to arrange health insurance for the Residence Card:

• Private health insurance: if you do not have access to the NFZ, you can arrange health insurance through one of the Polish insurance companies.
• Employer insurance: if you work in Poland, your insurance must be arranged through your employer, who will pay the NFZ contributions.
• Contract with an insurance company: in case of private insurance, it is necessary to conclude a contract with an insurance company and obtain an insurance policy that covers all medical expenses.

Health insurance is an important part of your status in Poland and without it you cannot obtain a Residence Card. Legal support when applying for insurance for a Residence Card in Poland is an important part of the process of legalizing your stay in the country and, if necessary, migration to Poland. 

Legal support services when applying for insurance for a Residence Card by the legal service “Consultant”:

1. Consultation on insurance requirements: a lawyer will help you understand what health insurance you need to apply for a Residence Card. He will explain the difference between health insurance through the National Health Fund (NFZ) and private insurance that covers the costs of treatment in Poland.
2. Insurance registration and verification: legal support includes assistance in choosing an insurance company that will provide appropriate insurance, as well as checking the contract for compliance with the requirements of Polish legislation. The lawyer will make sure that the policy covers all necessary medical services at the appropriate level.
3. Policy translation into Polish: if your insurance policy is not in Polish, the lawyer will help you obtain a translation that meets the requirements of the Polish authorities. This is a prerequisite for applying for a Residence Card.
4. Legal support when submitting documents: a lawyer will ensure that you correctly fill out all the documents related to the application for the Beaten Card. This includes not only health insurance, but also other accompanying documents necessary to prove your legal stay in Poland or move to Poland.
5. Resolving disputes with the insurance company: If there are disputes with the insurance company or if the insurance does not meet the requirements, a lawyer will represent your interests and help settle the matter through court proceedings or through negotiations with the company.
6. Advice on requirements for family members: if you are applying for the Beat Card for the whole family, the legal support will help with the registration of health insurance for all members of the family and check the eligibility.