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NNW PZU Edukacja · student · 2026/2027
PZU NNW for students 2026/2027 – 9 options, including liability cover.
Compare 9 options for students and post-secondary school pupils. You can check NNW on its own or the corresponding NNW + personal liability option.
For students and post-secondary school pupils – up to age 26.
International student?
Before purchasing, check the permanent-residence requirement in Poland.
PZU Edukacja may also cover an international student. Polish citizenship is not stated in the current terms and conditions as a requirement, but on the date the insurance contract is concluded the insured person must have their permanent place of residence in Poland and meet the other product eligibility conditions.
If you are studying in Poland temporarily or are unsure how this condition applies to your situation, read the explanation before purchasing.
Price and placements
How much does PZU Edukacja student accident insurance cost in 2026/2027?
PZU student accident insurance in the current offer starts at PLN 48 per year. The table contains 9 proposals. Accident insurance alone costs PLN 48–680 per year, while the corresponding accident + liability proposals cost PLN 53–708 per year.
The accident insurance sum ranges from PLN 15,000 to PLN 200,000. After choosing accident insurance only, you can continue the online purchase in UBEstrefa.
The liability table for all 9 proposals also lists placements outside the school or university premises. The scope and application of liability cover follow the applicable documents.
Data source: PZU Edukacja 2026/2027 accident and accident + liability tables for students. Check the source documents (Polish) →
Student insurance 2026/2027
Accident insurance, liability insurance and NFZ are three different things.
If you search for “student insurance”, first determine what you actually need. This page compares PZU Edukacja accident insurance and the corresponding accident + liability proposals. NFZ health coverage concerns entitlement to healthcare services and is not replaced by accident insurance.
Two different types of cover
Simply put: NNW concerns you, while liability cover concerns your responsibility for an insured loss.
NNW
The presented options include specified benefits and reimbursements related, among other things, to the consequences of insured accidents, treatment, rehabilitation, hospitalisation and assistance.
Personal liability insurance
In the PZU table, the basic scope concerns civil liability arising from private-life activities or property used for those activities, where there is a legal obligation to compensate for damage caused by a tort.
The occurrence of a loss does not automatically mean that liability insurance will pay. Liability depends on the terms of the contract.
Everyday life
Student life includes placements, renting, sport and travel.
For liability cover, the liability limit and the extensions shown for a given option matter – including placements, rented property and the territorial scope.
9 options · two views
First choose the NNW sum insured. Then decide whether you want to add liability cover.
These are two separate decisions. After choosing the sum insured, you will see the premium and can then switch to the NNW + liability view.
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
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 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
Student liability cover
Further liability extensions also change between the options.
They are shown in the table for all 9 options. The full conditions of this extension are set out in the relevant liability insurance terms and any applicable deviating provisions. Check what to verify before your placement →
It appears from Option 4. This is worth checking if you use a rented room or flat.
From Option 6, the table shows a European extension; Option 7 shows worldwide cover excluding the USA and Canada, while Options 8 and 9 show worldwide cover.
When the event concerns you
NNW covers insured accidents outside the university as well.
The presented options cover insured accidents at and outside school or university, including during holidays and abroad. Assistance is provided in Poland.
Permanent impairment and bodily injuries
The benefit for each 1% of permanent impairment ranges from PLN 150 to PLN 2,000 depending on the option.
Treatment and rehabilitation
Treatment limits range from PLN 1,500 to PLN 20,000, including rehabilitation limits from PLN 750 to PLN 10,000.
Hospitalisation
The daily hospital benefit after an insured event is indicated from the first day, provided the hospital stay lasts at least 2 days.
Assistance in Poland
Among other things: rehabilitation, nursing care, psychological support, delivery of medicines, and consultation or transport, within the applicable limits.
If an insured accident happens during a school trip or a trip organised by the university, the benefits specified earlier in the table are increased by 50%.
Important for sports activity
Are you over 20 and practising competitive sport?
The OWU indicates an exclusion for competitive sport practised by insured persons over 20, as well as professional sport and high-risk sports.
Check the sport conditions (Polish)Good to know
NNW and liability insurance have different rules and limits.
Two routes after your choice
NNW on its own can be purchased online. NNW + liability requires an offer to be prepared for a specific school or university.
After choosing NNW only, you will proceed to UBEstrefa, where your selected option will already be selected. You can still compare it with the other options.
You provide the school or university and your contact details. A dedicated offer is prepared for that institution, and you then receive the appropriate UBEstrefa link.
Simply going to UBEstrefa or submitting the form does not create any obligation to buy.
Back to comparison ↑Student · NNW + liability
Provide your school or university. I will prepare the appropriate link to the offer with liability cover.
Student NNW + liability offers are prepared for a specific school or university. Choose the option and scope first, then provide your institution and email address in the form (phone number optional).
Contact regarding offer preparationContact
Do you have a question about liability cover, a limit or a document?
If you need clarification of a specific provision, you can send an email. Formal distributor information is available separately.
Formal information (Polish) →What is the difference between NNW and student liability cover?
NNW concerns specified events and consequences affecting the insured person. Liability cover concerns legal responsibility for an insured loss caused to a third party.
Can I choose NNW only?
Yes. The offer for students and post-secondary school pupils includes 9 separate NNW options.
Is student NNW compulsory?
As a rule, student NNW is voluntary. However, a university, placement organiser or the rules for a particular activity may require specific insurance.
Do I have to buy the NNW offered by the university?
There is no general rule requiring you to buy a specific offer from the university. If the policy is meant to satisfy a placement or other activity requirement, check the required scope and document.
Does NNW replace NFZ health insurance?
No. Voluntary NNW and health insurance in the NFZ system serve different purposes. See the comparison of NNW, liability cover and NFZ →
Can a student buy NNW independently?
Yes, if they meet the conditions of the given offer. On PolisaEdukacja.pl, student NNW on its own can lead to the next step of the online purchase.
Does NNW work outside the university?
The presented options cover insured accidents outside school or university, during holidays and abroad. Assistance is provided in Poland.
How does purchase work for a student?
NNW on its own can lead directly to UBEstrefa with your selected option already selected. For NNW + liability, you first provide the school or university so that a dedicated offer and the appropriate link can be prepared for that institution.
Do all liability options include placements?
Yes. In the PZU table, placements outside the school or university premises are indicated for all nine options. Detailed conditions are set out in the liability insurance documents. See the placement checklist →
NNW or NNW + liability?