Queues and waiting times in the public system (NFZ) remain the main reason why people living in Poland buy private medical insurance. Since 2018, when we first covered this topic, the market hasn’t changed conceptually, but prices and package contents have moved noticeably. Here’s the 2026 update.

Why people choose private healthcare

Anyone who pays contributions to NFZ, the National Health Fund, has equal access to public healthcare, but waiting times for a non-urgent specialist appointment or elective surgery can stretch to several months, sometimes a year. The reason lies in the funding model: clinics contracted with NFZ are obliged to perform a limited number of procedures per month, and if you’re patient number 21 against a limit of 20, your appointment gets pushed to a later date.

That’s why private healthcare in Poland stopped being a luxury a long time ago. The market has kept growing at double-digit rates for over a decade, and private packages are now offered by most large employers as part of the benefits package.

The three biggest players

As in the original version of this article, the three main players in Poland’s private medical insurance market haven’t changed:

  • Medicover
  • Luxmed
  • Enel-Med

Other companies are also present on the market (Signal Iduna, PZU Zdrowie, Allianz Zdrowie, and others), but this trio has historically shaped the main competition by number of clinics and subscribers.

Approximate 2026 prices

Prices for medical packages change regularly and depend on age, region, and whether you buy the package individually or through an employer (corporate packages are usually much cheaper). The figures below are approximate, as of mid-2026, for a basic individual package for one adult.

Based on the companies’ public price lists, a basic individual package (GP, paediatrician visits, basic tests) costs in 2026 roughly:

  • Luxmed: from approx. 90-150 PLN/month depending on the payment plan (annual prepayment is usually cheaper than monthly);
  • Medicover: from approx. 95-130 PLN/month (Standard / Standard+);
  • Enel-Med: from approx. 90-100 PLN/month (Basic Package).

Extended packages with access to specialists (dermatologist, gynaecologist, ophthalmologist) cost noticeably more, from several hundred to over a thousand zloty a month, depending on the scope of services. For exact current prices and package contents, check the companies’ official websites, as rates are revised regularly.

Giving birth in a private clinic

Pregnancy care and childbirth in private clinics are covered in detail in our separate article, “Giving Birth in Poland”, which includes 2026-updated benchmarks for maternity package prices at all three companies.

If your employer doesn’t provide a package

Not everyone has an employer offering a corporate package. This is especially relevant for those working in Poland as a JDG/B2B contractor: a sole proprietor is formally their own employer, which means arranging medical coverage is entirely up to them.

A JDG entrepreneur has two main options: pay contributions to NFZ as usual (for most tax forms, this is part of the mandatory ZUS contributions), or additionally buy a private package for faster access to doctors. Alternatively, voluntary NFZ insurance is available (approx. 830 PLN/month as of early 2026) for those with no other basis for coverage.

This is another practical detail worth considering when choosing between an employment contract and running your own business, especially in light of the PIP 2026 reform, which tightened controls on B2B contracts that disguise what is actually an employment relationship. Under an employment contract, an employee often gets a medical package from the employer, whereas a B2B contractor usually has to buy one themselves.

FAQ

How much does a basic private healthcare package cost in 2026? Roughly 90 to 150 PLN a month for a basic individual package, depending on the company and payment terms. Check the chosen company’s website for the exact price.

Can I have both NFZ and private insurance at the same time? Yes, this is common practice: most people with a private package still pay NFZ contributions (via an employer or ZUS), and use private insurance for faster access to specialists.

Who is responsible for medical insurance if I work through my own company (B2B)? You are: as a sole proprietor, you pay your own ZUS/NFZ contributions and decide whether to additionally buy a private package.

Bibliography and Legal Basis

  • Act of 27 August 2004 on Healthcare Services Financed from Public Funds: the legal basis of the NFZ system.
  • Official price lists of Luxmed, Medicover and Enel-Med (checked in mid-2026).

Author: MojaFirma team.

*This article uses public information that the listed medical companies provide themselves. Prices are approximate and may vary depending on individual conditions, so we recommend confirming them directly with the chosen company. If you have questions about medical insurance while working in Poland as an employee or as an entrepreneur, feel free to book a free consultation with our team.*