Najważniejsze informacje, m.in. jak załatwić sprawę w NFZ, gdzie się leczyć.
The Act of 27 August 2004 on healthcare services financed from public funds (Dz.U. [Journal of Laws] of 2015 item 581 as amended) provides uninsured people with the opportunity to arrange voluntary health insurance pursuant to art. 68 of the abovementioned Act.
A person covered by the voluntary health insurance is entitled to use healthcare services on the same principles as any other person covered by compulsory insurance in the National Health Fund.
Failure to arrange health insurance may result in high costs arising from healthcare services provided in case of illness or the necessity to receive immediate medical help.
1. Who can conclude an agreement for voluntary insurance in the National Health Fund
Persons who are not entitled to any insurance may conclude an agreement for voluntary insurance. This group includes:
2. How to sign for voluntary health insurance in the National Health Fund In order to conclude an agreement for voluntary health insurance, you have to visit the relevant Health Fund Branch competent for the place of residence, where you file an "application for voluntary health insurance coverage by the National Health Fund" as well as a declaration on your insurance status. You need to attach a document confirming the last period of insurance (e.g. a copy of ZUS ZWUA form, decision on the loss of the unemployed status, certificate from the contribution payer, certificate of employment, E-104 form, etc.) and you have to produce an identity document. In addition, in case of agreements concluded by third parties acting on behalf of the person who wishes to become insured, it is necessary to submit a power of attorney or authorization to undergo talks and activities in order to conclude the agreement.
Pursuant to art. 68 of the Act of 27 August 2004 on healthcare services financed from public funds (Dz.U. of 2015 item 581, as amended) persons covered by voluntary health insurance (listed below) are not required to present documents confirming the last period of health insurance, as they are not subject to additional charge, notwithstanding the length of break in insurance. This group includes:
- students and participants in PhD studies, studying and living in Poland, graduates and trainees who are not citizens of EU/ EFTA member states,
- members of religious orders and alumni of clerical and theological seminaries, postulants, novices, and junior monks of religious orders or their equivalents, who are residing in Poland and are not citizens of EU/ EFTA member states,
- persons undergoing adaptation period internship,
- persons taking a Polish language course or preparatory courses for studying in Polish, who are residing in Poland and are not citizens of EU/ EFTA Member States.
2.1 Documents, which are the basis for concluding the agreement: - a citizen of the EU/EFTA Member State not subject to compulsory health insurance in Poland or any other EU/ EFTA member state
-persons who are not citizens of the EU/ EFTA member states:
- students and participants in PhD studies, who are not citizens of EU/EFTA member states:
- members of religious orders and alumni of clerical and theological seminaries, postulants, novices, and junior monks of the religious orders and their equivalents, who are not citizens of EU/ EFTA member state:
- persons undergoing an adaptation internship, who are not citizens of EU/ EFTA member state:
- foreigners - persons taking a Polish language course or preparatory courses for studying in Polish,
A person who has concluded an agreement for voluntary health insurance is obliged to register for insurance the family members who are not subject to health insurance obligation on other grounds. Family members registration for insurance does not involve any additional fees.
The following persons are considered to be family members:
This obligation does not concern foreigners - students, or participants in PhD studies or graduates who are undergoing mandatory adaptation period internship, or take part in Polish language course or preparatory courses for studying in Polish, as well as members of religious orders, alumni of clerical and theological seminaries, postulants, novices, or junior monks of religious orders or their equivalents, persons undergoing an adaptation internship.
2.2 The obligations of the insured arising from signing the agreement
2.3 The voluntary health insurance agreement may be terminated:
2.5 Rights of the insured person arising from the agreement: A person who has signed a voluntary insurance, together with their family members, become entitled to health benefits on the date specified in the agreement; this right expires on the date of agreement termination or after a month of perpetual default in covering the contributions.
2.6 Insurance document entitling to healthcare services: The agreement, together with evidence of paid contribution for the previous month, constitute the evidence of insurance for the person with voluntary health insurance and their family members. Please note that application forms (ZUS ZZA, ZUS ZCNA) submitted to ZUS constitute an integral part of the agreement. Please keep one copy of the agreement.
3. The contribution rate for a voluntary health insurance in 2019.
The contribution rate for voluntary health insurance in 2019 amounts to 9% of the contribution assessment basis.
2019 |
January, February, March |
April, May, June |
July, August, September |
October, November, December |
Contribution assessment basis for voluntary health insurance |
PLN 5,071.41 |
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Contribution rate for voluntary health insurance |
PLN 456.43 |
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Contribution basis for foreign students |
PLN 620.00 |
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Contribution rate for foreign students |
PLN 55.80 |
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The contribution for voluntary health service is to be paid to the ZUS account.
4. Additional charge rate
A person who has signed for voluntary insurance, and who had experienced an interruption to their health insurance coverage is obliged to pay a one-time fee for the non-contributory period. Its rate depends on the length of the period in which the person was not covered by health insurance.
2019 |
January, February, March |
April, May, June |
July, August, September |
October, November, December |
20 % of the contribution assessment basis for the persons with 3 months -1 year interruption to health insurance |
PLN 1,014.28 |
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50 % of the contribution assessment basis for the persons with a year up to 2 years interruption to health insurance |
PLN 2,535.71 |
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100 % of the contribution assessment basis for the persons with a 2- 5- year interruption to health insurance |
PLN 5,071.41 |
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150 % of the contribution assessment basis for the persons with a 5-1- year interruption to health insurance |
PLN 7,607.12 |
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200 % of the contribution assessment basis for the persons with over 10-year interruption to health insurance |
PLN 10,142.82 |
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An additional charge is paid before signing the agreement to the Voivodeship Branch of the NFZ account given on the agreement form.
In justified circumstances, at the request of the person concerned, NFZ may withdraw from charge or spread the payment into monthly instalments (maximum 12 instalments). The fee for persons with a break in health insurance lasting from three months to one year cannot be spread into instalments.
In order to withdraw from the charge, NFZ should be provided with documentary evidence for:
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