Health cover for a married couple in Poland

@Firefly
a heart surgery will be more like 9000-34000 (depending on how serious it is) according to an article from 2014 ...
They will also provably charge you for every day in hospital.
But if it is not much to you, why would I care?

You are kidding, right?

I'm not sure who you are addressing ...

Partner receiving part pension.


Now kaprys, you would be a great spokesperson for the insurance industry.. what percentage of people in poland undergo heart surgery, the only reason Poland and that includes most countries have problems with the hospital system, is that beds are taken up by people who have illnesses associated with excess alcohol, use of drugs (domestic violent and injuries as a result of motor car accidents) have poor diets and no exercise. You are told to insure your house because it might get burnt down and you would be left with nothing, true but what are the odds.. what the insurance companies don't tell you is that most fires start by personal negligence like not maintaining a fireplace or leaving candles unattended, Lets talk about flood damage.. simple solution don't buy near a flood prone area. Don't buy where the crime rate is high.. the list could go on. I'm sure if you told somebody 40 years ago to take out insurance he would tell you its a scam.. We have all been brainwashed by the fear of the impossible, we never the less will continue to feed the insurance companies.

I have previously noted - the only way to prove or disprove our opinions/theories is to wait and see what happens to people in certain situations.

It is widely accepted and everyone who has ever been ill or needed a procedure realizes that if you have the money you will have it done as soon as possible.

If you do not have the money you may have to wait 12 to 18 months for a hip replacement and that is only when you are entitled to have it done through NFZ. Otherwise you will suffer.

@Firefly
Well, I'm afraid heart disease is common, especially among people of a certain age. It's the main cause of death here in Poland.

There are other diseases that require long treatment or surgeries.
It is none of my business if you want to pay health insurance or not - I would if that was the only choice.
I gave you other advice concerning medical cover so don't make look as if I wanted to make you spend your precious money.
Glad your partner got part pension - that should cover her medical care.

Heart disease is the most common form of death in most countries, the problem is that most poles don't bother getting there health checked until its too late, most people require some sort of blood pressure tablets by the time they reach 60....you be careful, to answer your previous question is 40,000zl a lot to pay if you needed major heart surgery, the short answer is No, keep in mind with public cover there may be a waiting period, which reminds me, are abortions legal in Poland, answer Yes, but there is a 12 month waiting period...you probably heard this before. It beggars belief when I see the lifestyle of some poles, smoking, drinking and so much fatty food, and of course no exercise..

I have seen people with such a lifestyle in several countries.
Aren't we getting too philosophical?
You know what your options are. Nobody is trying to force you to do anything. It's your call.

@Firefly

If you are young and get hit with a large medical bill, you can recover financially. Retirees generally can't do much to replenish their savings account. Once they are wiped out financially, they usually stay that way until they die. Retiring without as good health insurance as you can get is a very foolish move for a retiree unless they have super abundant savings. Rifling though the dumpster behind Biedronka for outdated throwaways is no way to spend your retirement.

Best advice: If you cannot afford to retire comfortably, then don't retire until you can. Work two jobs if necessary. And someone quibbling over a lousy 70 pound health insurance policy is very, very far from retiring comfortably, in Poland or elsewhere.

could somebody please clarify rules re health insurance, nfz.. my partner receives the age pension, which means I have full access to NFZ, do I receive a plastic card or do I need to show the letter my partner received which states I can use the NFZ system, ta