Healthcare
NFZ public health insurance vs EHIC for EU citizens, and why freelancers on umowa o dzieło may not be insured in Poland.
EHIC/EKUZ vs registering with NFZ: what actually covers you as an EU citizen
Your EHIC card covers short stays and emergencies — it isn't a substitute for registering with NFZ once you're actually living and working in Poland. Here's the difference.
Got a letter or message from NFZ? What it usually means
NFZ contacts patients about queue position, insurance status and referrals — rarely anything urgent, but the wording can be confusing if you don't already know the system. Here's how to read the most common ones.
NFZ for freelancers: why "umowa o dzieło" doesn't insure you
If your only income is from an umowa o dzieło, you may not be covered by public healthcare at all — a gap that catches a lot of freelancers and part-time workers by surprise.