In short
- Contribution: 9% of the base — at least 844.38 zł a month in Q4 2026.
- Foreign students and PhD students: 55.80 zł a month.
- Additional fee for a gap: from 1,876.41 zł (3–12 months) to 18,764.10 zł (over 10 years).
- You sign the contract at an NFZ branch; a residence document is required.
Who can insure voluntarily
Anyone living in Poland not covered by compulsory insurance: a foreigner with a residence card, national visa or permit, a student, or a person without work.
How to sign the contract
- Apply at the NFZ branch for your place of residence (in Wrocław — Lower Silesian NFZ branch).
- Pay the additional fee if it applies.
- Register with ZUS (form ZUS ZZA) and pay the contribution monthly by the 15th.
- Add family members with form ZUS ZCNA.
When a private policy is better
If you mainly need insurance for a residence card and NFZ with the additional fee is expensive, a private medical policy may be cheaper. We'll compare both.
NFZ additional fee for a gap in insurance (Q4 2026)
| Gap in insurance | Additional fee (at least) |
|---|---|
| 3 months to 1 year | 1,876.41 zł |
| 1 to 2 years | 4,691.03 zł |
| 2 to 5 years | 9,382.05 zł |
| 5 to 10 years | 14,073.08 zł |
| Over 10 years | 18,764.10 zł |
Source: nfz.gov.pl; base 9,382.05 zł — Statistics Poland (GUS) notice of 20.10.2026.