Insurance for a foreign worker
Health insurance for working foreigners.
Any foreigner coming to Poland or another Schengen country to work must have valid health insurance. This is a necessary condition, both to ensure access to medical care and in the context of legalizing their stay. This applies both to employees working under a contract of employment, commission, as well as those running a business. Insurance for a foreigner working in Poland is not only an administrative requirement, but also a real health and financial protection.
Who must have health insurance?
Under current regulations, people legally employed in Poland are usually covered by the public health insurance system of the National Health Fund. This applies to employees, contractors, people running their own business whether registered as unemployed.Â
However, there is still a group of foreigners who are not automatically covered - for example, those working under a contract for work, awaiting a decision on a work permit or just beginning their stay in Poland. For them, the recommended and often required solution is to purchase private health insurance.
Formal requirements for working foreigners
Every foreigner staying in Poland must have a appropriate documents to legalize his stay - including passport, visa, residence permit and work permit. During the inspection, you may also be required to show proof of funds and health insurance. The minimum amount of insurance for a Schengen visa policy is €30,000 and must cover the full period of stay in Poland.
When is work legal?
Legal employment of a foreigner in Poland is possible only after meeting certain conditions. A person from abroad must have:
The employer also has responsibilities - it must submit the relevant documents to the office i report the employee to ZUS.
It is worth knowing that amendment of 2022 regulations simplified many of the procedures involved in hiring foreigners. Among other things, the need to provide proof of residence and source of income has been abolished, and instead a salary of no less than the minimum is required. In addition, priority in processing applications is given to employers engaged in activities of strategic importance to the national economy.
Social security for foreigners - what do you need to know?
Under Polish law, all employees - regardless of nationality - who perform work for a Polish entity on Polish territory are subject to social security. This includes pension and disability insurance. Other groups, such as clergy, people on parental leave or those engaged in non-agricultural business activities, are also compulsorily covered.
An employer who employs a foreigner has a the obligation to pay social security contributions to the Social Insurance Institution (ZUS) - Their amount depends on the gross salary of the employee.
Private health insurance - for whom?
Private health insurance is recommended primarily for those not automatically covered by the National Health Service - that is, people on contract for work, freelancers, temporarily unemployed or just awaiting residency and employment documents. Such a policy gives access to private medical care and meets the formal requirements required by authorities and consulates. Insurance can be purchased for any period - From 1 month to as long as 36 months.
Buy a policy online now - it only takes a few minutes, and peace of mind for the entire period of work in Poland!
If you are among those who plan to study in Poland, check out the insurance for foreign student.
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