State-Backed InsurerLargest Polish Insurance GroupNational Network

PZU Zdrowie

by PZU SA

★★★☆☆3.8(5,610 reviews)

PZU Zdrowie is the health insurance arm of PZU SA, Poland's largest insurance group with state majority ownership. It provides private health cover across Poland through a broad network of contracted clinics and hospitals, particularly strong for corporate group health schemes.

Monthly Premium

PLN 120 - PLN 450

Deductible

PLN 0

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✓Dental

✗Vision

✗Mental Health

✓Maternity

✗Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓State-backed financial stability
✓Broad national network
✓Trusted domestic brand

Cons

✗Digital experience lags behind Medicover
✗Premium plans can be expensive

Editorial Review

“PZU Zdrowie's state-backed financial solidity and nationwide reach make it the most reliably available private health option across all of Poland's regions — including areas where Medicover and LUX MED have fewer clinics.”

— PZU.pl official product; EnglishWizards Poland Healthcare 2025