Student NNW insurance
You check benefits and eligible cost reimbursements after events covered by the contract, for example those related to injury, treatment, rehabilitation or hospitalisation.
9 PZU Edukacja options →Information and marketing material.
Student insurance · 2026/2027
Student insurance 2026/2027 – NNW, liability, placements and NFZ.
“Student insurance” can mean several different things. NNW concerns the consequences of covered accidents affecting the student, liability cover concerns responsibility for a covered loss, and NFZ health insurance concerns entitlement to publicly funded healthcare. These solutions do not replace one another.
9 NNW options
PLN 48–680 NNW only / year
PLN 53–708 NNW + liability / year
The insurer is PZU SA.This page compares information and available paths; the detailed scope of cover is determined by the product documents.
International student in Poland
Can an international student studying in Poland be covered by PZU Edukacja?
Yes, if they meet the product eligibility conditions. Polish citizenship is not stated in the current terms and conditions as an eligibility requirement. However, under the definition of the insured person, on the date the insurance contract is concluded the person must have their permanent place of residence in Poland and meet the other product eligibility conditions.
The terms and conditions do not separately define “permanent place of residence”. In Polish law, Article 25 of the Civil Code is the reference point for the meaning of place of residence: it is the locality where a person lives with the intention of staying permanently. This should not be automatically equated with citizenship or a registered address (zameldowanie).
If you are staying in Poland only temporarily and your permanent place of residence may remain abroad, it is worth confirming eligibility before purchasing.
Current PZU Edukacja terms and source documents → · gov.pl (Polish) – place of residence under Article 25 of the Civil Code ↗
What are you looking for?
One phrase, four different needs.
Student liability
It concerns liability for a loss caused to a third party where the contract conditions are met. In the student offer, liability cover is presented together with NNW.
Compare NNW + liability →NFZ health insurance
It concerns entitlement to healthcare financed from public funds. It is a different system from voluntary NNW or liability cover.
Check the NFZ rules ↗Insurance for placements
There is no single insurance requirement for every placement. A university or placement organiser may specify the required cover, for example NNW or liability insurance.
What to check before a placement →NNW vs liability vs NFZ
Three concepts that should not be confused.
The distinction matters especially when a university or placement provider asks for “insurance” without specifying what type.
| What you compare | Student NNW | Student liability | Health insurance / NFZ |
|---|---|---|---|
| Main function | Benefits and eligible cost reimbursements after specified events affecting the student. | Liability protection for a covered loss caused to a third party. | Entitlement to healthcare financed from public funds. |
| Who it concerns | The insured student. | The student in relation to a third party when the conditions for liability are met. | A person registered for health insurance. |
| Does it replace the others? | It does not replace liability cover or NFZ. | It does not replace NNW or NFZ. | It is not an NNW or liability insurance policy. |
| For placements | Check whether the organiser requires NNW and what scope is accepted. | Check whether the organiser requires liability cover and what type and liability limit are accepted. | This is a separate formal issue related to entitlement to healthcare. |
PZU Edukacja · student · 2026/2027
If you are looking for NNW or NNW + liability cover, you can compare 9 specific options straight away.
The product page shows NNW sums from PLN 15,000 to PLN 200,000, premiums, treatment and rehabilitation limits and liability parameters. No option is automatically labelled as “best”.
NNW onlyPLN 48–680 / year
NNW + liabilityPLN 53–708 / year
NNW sum insuredPLN 15,000–200,000
Liability limitPLN 10,000–100,000
Is student NNW compulsory?
As a rule, student NNW is voluntary.
The Polish Financial Ombudsman states that student NNW is not compulsory insurance. However, a particular university, placement organiser or host institution may require specific insurance. Check the requirements of the particular activity before purchasing.
Sources: Polish Financial Ombudsman ↗ · gov.pl – example of an NNW requirement for placements ↗
Medical student
Clinical placements may have additional requirements.
Medical institutions and universities may require specific documents and scopes of cover. The PZU Edukacja terms also describe benefits related to occupational exposure to infectious material for persons specified in the terms where the relevant cover is included in the contract. Do not assume that every option automatically meets the requirements of a particular institution.
Check medical placementsFAQ
Common questions about student insurance.
What insurance does a student need?
It depends on the need. NNW concerns the consequences of covered accidents affecting the student, liability cover concerns responsibility for a covered loss caused to a third party, and NFZ concerns entitlement to healthcare. For placements, also check the requirements of the university or organiser.
Is student NNW compulsory?
As a rule, no. A specific activity, placement or its organiser may nevertheless require particular insurance.
Does a student have to buy NNW offered by the university?
There is no general rule requiring the purchase of a specific university offer. If the policy is intended to satisfy a placement or activity requirement, check whether the independently selected cover meets the organiser’s requirements.
Does NNW replace NFZ health insurance?
No. Voluntary NNW and health insurance under the NFZ system serve different purposes.
How much does PZU student NNW cost in 2026/2027?
In the current PZU Edukacja table, NNW on its own costs PLN 48–680 per year, while corresponding NNW + liability options cost PLN 53–708 per year.
Can a student buy the policy independently?
Yes, if the conditions of the relevant offer are met. On PolisaEdukacja.pl, student NNW on its own can lead to the next online purchase step, while NNW + liability requires an offer to be prepared for the specified school or university.
Do you know what you need now?