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Free Poland Health Care - Paying minimal to no Zus


BritboyByd 7 | 37
15 Jul 2012  #1
Just moved to Poland from Uk. Currently work remotely as have a limited company in the UK. Is there a way to get free healthcare or pay minimal zus?

Eg would I get covered by paying national insurance in the UK, or long-term travel insurance?

At the moment, I was quoted near 900zl a month, to cover myself, wife and child. Which is very expensive.

BritboyByd
dtaylor5632 18 | 2,007
15 Jul 2012  #2
Eg would I get covered by paying national insurance in the UK, or long-term travel insurance?

National insurance doesn't cover you while you are abroad. Not sure about long-term travel insurance.

At the moment, I was quoted near 900zl a month, to cover myself, wife and child. Which is very expensive.

For me that is quite cheap and you are going to be in Poland for a long time then I would be taking this. As even just a check up at a private doctor(gp) can cost up to 120z per appointment.
OP BritboyByd 7 | 37
16 Jul 2012  #3
thats nearly £200. wow.

What about being self-employed here? Would the Zus contributions be less then?
delphiandomine 84 | 17,703
16 Jul 2012  #4
thats nearly £200. wow.

That's peanuts for health coverage for an entire family.

What about being self-employed here? Would the Zus contributions be less then?

400zl for the first 2 years per month, then up to nearly 1000zl.

Or your wife could simply get a job in which she pays ZUS. Family members then are covered too under the NFZ system.
milky 13 | 1,657
16 Jul 2012  #5
That's peanuts for health coverage for an entire family.

Nearly half your Wages!!!
In UK

If i earn £750 per month how much tax and national insurance would i pay?what would my take home pay be?
With a monthly income of £750, you will have a monthly income tax of £42.08 and a National Insurance of £30.07. Your take home pay will be £677.85.

Read more
kgbanswers.co.uk/if-i-earn-750-per-month-how-much-tax-and-national-insurance-would-i-paywhat-would-my-take-home-pay-be/15637301#ixzz20mxk6vSU

so 6 times higher in Poland,,Peanuts??

I earn £1841 gross per month. How much tax and national insurance should i pay on this?
If you earn £1841 per month, you will have to pay £64:07 in tax and £35.18 in national insurance. Total deductions are £99.25.

Read more
kgbanswers.co.uk/i-earn-1841-gross-per-month-how-much-tax-and-national-insurance-should-i-pay-on-this/11390715#ixzz20mwb0ddm

Eg would I get covered by paying national insurance in the UK,

if you are a UK Company in Poland,paying tax and NI in UK,,you won't need Zus.
dtaylor5632 18 | 2,007
16 Jul 2012  #6
He does not have a Uk company in Poland though.
OP BritboyByd 7 | 37
16 Jul 2012  #7
if you are a UK Company in Poland,paying tax and NI in UK,,you won't need Zus.

Can you explain that? As I have a uk ltd company, registered in the uk, how would i then make in registered in poland to become zus-free? Would I have to open a 2nd company for poland?
jon357 63 | 14,341
16 Jul 2012  #8
I wouldn't think he can explain it because it isn't true. The EU health card that you can get as a UK National Insurance payer only covers emergencies.
milky 13 | 1,657
16 Jul 2012  #9
I wouldn't think he can explain it because it isn't true.

What's not true? if your company remain in UK tax system??

UK National Insurance payer only covers emergencies.?
teflcat 5 | 1,032
16 Jul 2012  #10
At the moment, I was quoted near 900zl a month, to cover myself, wife and child. Which is very expensive.

It's expensive until you break a bone or get some nasty disease. Then you'll be glad of it.
I had a CAT brain scan six years ago. How much would that have cost in, e.g. the U.S., or privately here in Poland?
dtaylor5632 18 | 2,007
16 Jul 2012  #11
What's not true? if your company remain in UK tax system??

You are missing a big big point. His company doesn't pay tax in Poland. Hence why he is looking for private medical insurance. Unless he gets a job or his wife gets a job in Poland then he isn't covered for any treatment unless he pays for it privately. He is only covered for emergency treatment "IF" he applied for his EU healthcare card.
InWroclaw 89 | 1,915
16 Jul 2012  #12
And yet a Polish person living in the UK has to pay the total sum of £0 to gain UK non emergency NHS treatment? Seems very unfair, does it not?
jon357 63 | 14,341
16 Jul 2012  #13
UK National Insurance payer only covers emergencies.?

Yes.
dtaylor5632 18 | 2,007
16 Jul 2012  #14
And yet a Polish person living in the UK has to pay the total sum of £0 to gain UK non emergency NHS treatment? Seems very unfair, does it not?

If they are living in the UK and contribute to NI then yes. If they are visiting the UK on holiday and don't pay NI then they are entitled to emergency treatment only.

Milky I cant respond to your PM as ur message box is full ;)
InWroclaw 89 | 1,915
16 Jul 2012  #15
If they are living in the UK and contribute to NI then yes. If they are visiting the UK on holiday and don't pay NI then they are entitled to emergency treatment only.

I very much doubt anyone is expected to pay NI there - certainly doesn't correspond to what I hear from Poles in the UK.

They merely have to prove they are ordinarily resident, and in practice, it was a free for all and may still be...
dailymail.co.uk/health/article-2151048/Hospital-clamps-health-tourism-demanding-patients-prove-living-lawfully-Britain-handing-free-NHS-treatment.html

In fact, someone has even thoughtfully produced a video informing Polish people in the UK how to use the NHS



The NHS has had to find more money to pay for Polish children born in the UK
news.bbc.co.uk/2/hi/7215624.stm
(in Poland, maternity care is not always free to Brits with Polish spouses)

In fact, Poles have even been encourtaged to come over to the UK just for free abortions on the NHS
telegraph.co.uk/news/worldnews/europe/poland/7441990/Polish-women-encouraged-to-come-to-UK-for-free-abortions-on-NHS.html

So don't give me that "only if they pay UK NI" nonsense, even if you yourself believe it.
dtaylor5632 18 | 2,007
16 Jul 2012  #16
I very much doubt anyone is expected to pay NI there - certainly doesn't correspond to what I hear from Poles in the UK.

In they work, NI contributions are paid. If they are on the welfare system, again there NI contributions are paid.

They merely have to prove they are ordinarily resident, and in practice, it was a free for all and may still be..

I generally stop taking notice of anything anyone says when they start using the dailyshitrag as a source of facts.

The NHS has had to find more money to pay for Polish children born in the UK

And so it should. If the child in born in the UK then it is entitled to healthcare unless the parents are not resident in the UK until a decision is made about the parents legality to reside in the UK. Same as any other child born within the UK.

In fact, Poles have even been encourtaged to come over to the UK just for free abortions on the NHS

Which they are entitled to get in Poland too under strict circumstances.

So don't give me that "only if they pay UK NI" nonsense, even if you yourself believe it.

And please, don't start spouting whatever crap you read in whatever paper. Outside the normal rules for UK residents you are entitled to free healthcare if you intend to live permanently in the UK or if you're entitled to reside legally in the UK on a permanent basis. All hospitals will ask for either your passport or home office approval form. Even while you are residing in the UK but have not received your approval for residence in the UK by the home office, you are NOT entitled to basic healthcare. You can of course apply to your local GP's office as a temporary resident but that is at the practices' discretion and often gets turned down.

Again, I don't know what the papers "say" I only know what the rules are within my profession, there are some loopholes I guess but its the same with everything.

And this also is my opinion on healthcare in Poland. Unless you are paying zuz or contributing to taxes, then quite frankly you should not be entitled to basic healthcare paid for by the state. That's the risk you take when living abroad. Hence why private medical insurance is the best form of covering yourself if you are not going to pay into zuz. Take your chance if you want, but the day when you become seriously ill and find that you dont have the huge amounts of money to cover hospital bills, because if you think that by becoming a resident of Poland that you are still entitled to "nip back home for treatment" you will have a big surprise when you go back.

Anyway, I'm bored now. It's my day off work and I'm talking about work, bleh zzzz
Wroclaw Boy
16 Jul 2012  #17
And yet a Polish person living in the UK has to pay the total sum of £0 to gain UK non emergency NHS treatment? Seems very unfair, does it not?

They are also eligible for straight of the plane, boat or mates car for Child benefit, housing benefit, tax credits and job seekers allowance.

The mind really does boggle.

Further more those in such situations that are seeking advice are immediately directed towards such benefit agencies by local UK Polish speaking companies....with translators in the benefit centers on hand to deal with their claims. In essence they come here and start claiming - free UK tax payers money straight away. Its that simple.....bloody marvelous.
strzyga 2 | 993
16 Jul 2012  #18
What about being self-employed here? Would the Zus contributions be less then?400zl for the first 2 years per month, then up to nearly 1000zl.

That's the full package, complete with sick leave salary and old age pension contributions. If you're not employed full time or registered as self-employed then you can buy just the health insurance part, which is about 200-300 zł a month.
teflcat 5 | 1,032
16 Jul 2012  #19
If you're not employed full time or registered as self-employed then you can buy just the health insurance part, which is about 200-300 zł a month.

That sounds like the OP's question has been answered.
dtaylor5632 18 | 2,007
16 Jul 2012  #20
And we can call this thread done and dusted.
teflcat 5 | 1,032
16 Jul 2012  #21
Yeah, like the truck driver thread should have been, on the first page. We wish.
InWroclaw 89 | 1,915
16 Jul 2012  #22
They are also eligible for straight of the plane

I know,

It's a very inequal system - there' 1 of us here for every however many hundred Poles there are in the UK and we are not afforded the same health privileges.

I am not suggesting Poles should have their health privileges curtailed in the UK, but I am suggesting Brits should get the same rights in Poland, ie free NFZ treatment and check ups just as Poles get in the UK. "NI number"? LOL!
wawa_marek 1 | 129
16 Jul 2012  #23
if you are a UK Company in Poland,paying tax and NI in UK,,you won't need Zus.

Yes. There are many people in Poland searching for fake employment in UK, Lituania or some other country to avoid ZUS.
There are also accountants and lawyers in the UK offering such servises called "optymalizacja ZUS". This is one of them:

ksiegowyuk.co.uk/usugi/optymalizacja-zus
dtaylor5632 18 | 2,007
16 Jul 2012  #24
I am not suggesting Poles should have their health privileges curtailed in the UK, but I am suggesting Brits should get the same rights in Poland, ie free NFZ treatment and check ups just as Poles get in the UK. "NI number"? LOL!

Brits can if they are paying their zuz. Most decent employers will also provide them with a free medical check up before commencing employment.
I dunno what the problem is. If you want to access healthcare in Poland then pay into the system and boom, you get it. If for whatever reason you don't want to pay then go private. Simples.
dtaylor5632 18 | 2,007
16 Jul 2012  #26
*bangs head against the wall*

Poles LIVING in the UK.... I.E permanently residing. Read what you have just quoted from pam first...."

All you need to do to register is fill in a form, although you will need a NI number first.

I dunno about the case Harry talks about but I'm guessing she might not have been registered as a resident of Poland. If not the book should be thrown at the hospital.

Once again since this is about Poland... Pay your zuz contributions...no problem.

*someone pass me a ******* vodka pronto
InWroclaw 89 | 1,915
16 Jul 2012  #27
Poles LIVING in the UK.... I.E permanently residing. Read what you have just quoted from pam first...."

Quite apart from the fact that Poles who are not living in the UK do indeed get foc routine treatments (in the UK) or certainly did in the recent past, I was in any case talking about Britons LIVING in Poland.

I assume from your ready approach to head banging that you're in the UK where you'll get X-rayed at no charge to yourself, unlike a Briton who bangs their head and then develops headaches some days afterwards and has to pay the Polish health service for what a Pole will get free in Britain straight off the plane. Similarly, if your vodka drinking leads to a liver problem, you can relax in the UK if you're a Pole. Not so as a Briton in Poland where you need to have ZUSsed yourself and know the rules inside out.
dtaylor5632 18 | 2,007
16 Jul 2012  #28
I assume from your ready approach to head banging that you're in the UK where you'll get X-rayed at no charge to yourself, unlike a Briton who bangs their head and then develops headaches some days afterwards and has to pay the Polish health service for what a Pole will get free in Britain straight off the plane.

I got my healthcare in Poland almost straight after I got off the plane and later in my many years in Poland when I didn't pay zuz I paid for my own healthcare because I couldn't get it in normal circumstances. And once again no Pole just jumping off a plane will get treatment as they would need to provide a copy of their permanent residence, their NI card ect. Anyone no matter why they are in the UK will be able to step into an A and E unit and be examined, if they are NOT permanently residing in the UK they will be charged for any further treatment if the injury/illness is deemed not an emergency. The SAME as in Poland.

Anyway, this topic has been debated hundreds of times on these forums before and it comes down to the same point over and over.

In Poland if you want full access to healthcare, then register to be permanently residing there, pay your contributions towards state ect and you will be able to get the treatment you need.... or just go private and pay.

In the UK if you want full access to healthcare then register with the home office as a permanent resident, pay your NI contributions and you will get the treatment you need... or go private and pay.
wawa_marek 1 | 129
17 Jul 2012  #29
dtaylor5632, InWroclaw read my above post.

Why dont you check at EU websites and download the document:

ec.europa.eu/employment_social/empl_portal/SSRinEU/Your%20social%20security%20rights%20in%20Poland_en.pdf
InWroclaw 89 | 1,915
17 Jul 2012  #30
Any Briton reading this thread in the UK can just ask any Polish person in a major town how they registered and got free treatment at a UK GP surgery. Don't take my word for it - ask real Polish people there.

Then ask yourself why Britons here are not given the same free healthcare despite the fact there is a fraction of us in Poland compared to how many Poles are in the UK. It is very inequal.


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