Type of insurance
Is NNW required, liability cover, both, or another document?
Information and marketing material.
Student placements · 2026/2027
Student placement insurance 2026/2027 – NNW and liability: what should you check?
There is no single identical insurance requirement for every placement. A university, company or host institution may require NNW, liability cover, or a specific scope of cover and document. Check the organiser’s requirements first, then choose the insurance.
9/9 liability options include placements10 000–PLN 100 000 liability sum53–PLN 708 NNW + liability / year
The insurer is PZU SA.This page explains what to check before a placement; the detailed scope of cover is determined by the product documents.
International student
A placement in Poland does not replace the residence requirement in the terms and conditions.
If you are an international student studying in Poland, PZU Edukacja may cover you if you meet the product eligibility conditions, including the requirement that on the date the insurance contract is concluded you have your permanent place of residence in Poland. Separately, check the requirements of your university and placement provider.
9 options · NNW + liability
Choose NNW + liability for your placement. Compare cover and premiums.
All 9 options include the placement-related liability extension shown in the table. Choose an option, then enter your institution and contact details below. We will check whether its cover meets the placement requirements.
Choose one of 9 NNW + liability options to see the premium and details.
Key NNW parameters
- Benefit for 1% permanent impairment
- PLN 150
- Reimbursement of treatment costs
- up to 1,PLN 500
- including rehabilitation
- up to PLN 750
- Daily hospital benefit after an insured event
- PLN 100/day
Liability sum
10,PLN 000
Difference compared with NNW only
+PLN 5 / year
The basic scope shown in the table includes tort liability in private life and damage caused through gross negligence, subject to the liability terms.
The broadest territorial extension shown for this option
No additional territorial extension shown in the table
How liability cover expands
The following points show the thresholds from which each element appears in the PZU table.
- 01Placementsin all 9 options
- 02Rented propertyfrom Option 4
- 03EU + IS/NO/CHfrom Option 6
- 04Worldwide excluding USA/Canadafrom Option 7
- 05WorldwideOptions 8 and 9
Premiums and details are based on the PZU Edukacja 2026/2027 table. The NNW + liability offer is prepared for the named school or university. Cover, premium and placement requirements must be confirmed before purchasing. Product documents (Polish) →
Selected NNW + liability option
Enter your institution and contact details to request the appropriate NNW + liability offer.
Choose an option above, then enter your school or university and your email address (phone optional). We will check the placement requirements and prepare an offer for your institution.
Your selection
NNW Liability Premium
Checklist
Before buying insurance for a placement, check these 6 points.
A common mistake is to buy insurance simply because its name includes “student” or “placement”, without checking the requirements of the specific host institution.
Placement scope
Does the insurance need to cover losses or accidents arising during placements away from the university premises?
Sum / limit
Has the organiser specified a minimum NNW sum insured or liability sum?
Period of cover
Does the insurance need to cover the whole academic year or only the placement dates?
Territory
For placements abroad, check the country and the required territorial scope.
Proof document
Check which document must be provided to the university or placement host.
PZU Edukacja · NNW + liability
What does the current PZU table show for students?
In the 2026/2027 table, the liability extension concerning placements away from school or university premises is indicated for all 9 options. This does not mean automatic liability for every loss; application depends on the circumstances, the applicable liability OWU and the provisions of the selected option.
Open student documents (Polish) →Placements in the liability tableOptions 1–9
Liability sum10 000–PLN 100 000
Total NNW + liability premiumPLN 53–708 / year
Rented propertyfrom Option 4
NNW or liability?
During placements these two types of insurance address different risks.
| Student NNW | Student liability cover | |
|---|---|---|
| When the issue concerns... | the student who has suffered a covered accident | a third party or their property, where the student has covered liability |
| Example situation | A student is injured during a placement. | During a placement, the student causes a loss for which they may be liable. |
| What to check | NNW scope, sum insured, limits and exclusions. | Type of liability cover, liability sum, placement extension and exclusions. |
Medical placements
A student of medicine, nursing, physiotherapy or another medical field should check the host institution’s requirements particularly carefully.
Some institutions require trainees to provide documents confirming NNW and liability cover, and the required scope may be set by the university or host organisation. The PZU Edukacja OWU also describe benefits related to occupational exposure to infectious material for persons specified in the terms, if that scope is included in the contract.
Do not assume that every NNW + liability policy automatically meets the requirements of clinical placements. Compare the institution’s requirements with the documents for the specific option first.
Example placement requirements may include both NNW and liability cover. Check the rules of your university and host institution.
How should you read these examples?
The scenarios help distinguish NNW from liability cover, but they do not determine whether the insurer is liable.
Each case is assessed under the concluded contract, the applicable OWU, documentation and the actual circumstances of the event.
Injury during a placement
A student falls while carrying out tasks and is injured. The NNW scope and the conditions for the relevant benefit need to be checked.
Damage to someone else’s property
During a placement, damage is caused to a third party’s property. The student’s liability, the scope of liability cover, exclusions and the placement extension all matter.
Clinical placement
A student begins training at a medical facility. They should first check the facility’s formal requirements and whether the selected contract includes the required scope.
The requirement is not universal
The placement organiser may set its own insurance requirements.
For example, Poland’s Ministry of Health indicates current NNW as a condition for its student placements, while other organisations may require liability cover or both types of insurance. Always check the rules of the specific organiser.
Example: student placements at Poland’s Ministry of Health ↗ · Polish Financial Ombudsman – NNW for students ↗
FAQ
Questions to check before starting a placement.
Does a student on placement have to have NNW?
There is no single requirement for every placement. A specific organiser may, however, require NNW, so check the rules of your university and placement provider.
Is liability insurance required for a placement?
It depends on the requirements of the university, company or host institution. Some require liability cover, others NNW, and some require both documents.
Does PZU Edukacja offer liability cover that includes placements?
In the table of NNW + liability options for students, the extension concerning placements away from school or university premises is indicated for all 9 options. Detailed conditions are set out in the liability documents.
How much does PZU NNW + liability cost for a student?
In the current 2026/2027 table, the corresponding NNW + liability options cost from PLN 53 to PLN 708 per year.
What is the liability sum for student liability cover?
In the presented options it ranges from PLN 10,000 to PLN 100,000 depending on the selected option.
Should a medical student buy the first NNW + liability policy they find?
No. For medical placements, compare the requirements of the university and host institution with the scope of the specific contract, including any requirements for liability cover, NNW and risks specific to clinical placements.