Insurance

A PhD student who is:

• an employee,
• a member of an agricultural cooperative,
• a member of a supervisory board receiving remuneration for performing the function,
• a person granted various training and social benefits,

shall be a subject to a compulsory social security insurance on the grounds of all the above titles regardless of the amount of the scholarship.

When being subject to a compulsory security insurance other than one of those mentioned above, a PhD student receiving the doctoral scholarship in the amount lower than the minimum salary shall be covered by the social security insurance on the grounds of both titles.

The social security insurance is voluntary when a PhD student receiving the doctoral scholarship is at the same covered by a disability pension insurance.

The doctoral scholarship amount constitutes the basis for the social security contribution rate.

Social security contributions are co-financed by the PhD student (insured person) and the University (contribution payer) as follows:

• pension insurance contribution is financed in equal parts by the insured person and the contribution payer (9.76% of the base rate each)
• disability insurance contribution is financed by the insured person (1.5% of the base rate) and the contribution payer (6.5% of the base rate)
• accident insurance contribution is fully financed by the contribution payer (in the amount of percentage rate set for particular payer)
• sickness insurance contribution is fully financed by the insured person (2.45% of the base rate).

PhD students are entitled to health insurance, with the exception of those subject to another compulsory health insurance or reported for the insurance as family members.

Family members include:

• an own child,
• a child of the spouse,
• an adopted child,
• a grandchild, an unrelated child under one’s guardianship or an unrelated child within
  a foster family or an orphanage,

before they are 18 or, at the latest, 26 if they are in full-time education at school, a teacher training centre, a university or a doctoral school, or without restrictions of age in case of those with significant degree of disability,

• a spouse (Art. 5 sec. 3 of the social insurance system regulations).

PhD students under the age of 26 or those with significant degree of disability regardless of age, shall be reported for the health insurance as a family member of an insured person.

However, if the PhD student is not reported as a family member of an insured person, he is entitled to the health insurance as a PhD student. The insurance coverage shall be effective from the day of the submission of the statement confirming that the person is not subject to another compulsory health insurance and not earlier than on the day of the commencement of the first semester of education. The insurance coverage shall cease on the day of the completion of the education at a doctoral school or on the day of the removal from the PhD students list. The PhD student is reported for the health insurance by the entity conducting a doctoral school (contribution payer).

The health insurance contribution is paid by the contribution payer, which is the entity conducting a doctoral school, e.g. University, and financed from the State budget.

Please note: The right to health care for students who completed education at a doctoral school ceases after 4 months from the day of the completion of the education or of the removal from the list of the PhD students.

Insured person data change

Data given to ZUS (Social Insurance Institution) shall be correct and up-to-date. If it is not correct or it has changed, it is necessary to inform about the fact the PhD Students Office within 2 days from the date the changes took place.

The data is changed from the day of the previous insurance document submission.

In the event of the change concerning a surname, a PESEL number or an address, it is necessary to submit the ZUS ZUA form.

If the change applies to the insurance title, type or commencement date, it is necessary to submit both the ZUS ZWUA form as well as the ZUS ZUA form.

Additional accident insurance

PhD student may also purchase the additional accident insurance. The cost of the accident insurance in the 2024/2025 academic year is PLN 60 and it amounts to PLN 65 500. The insurance is effective from October 1, 2024 to September 30, 2025, or from the next day of the payment. The insurance is voluntary. The amount of PLN 60 is automatically deducted from the first doctoral scholarship in a given academic year unless the PhD student submits a declaration to quit the insurance before the first scholarship payment.

Current information on the insurance can be found:

https://www.ca.pw.edu.pl/Kwestor/Dzial-Plac/Ubezpieczenia/Ubezpieczenie-NNW

If a PhD student suffers an accident to be compensated, it is necessary to collect relevant medical records. After finishing treatment, one shall report the damage by filling in a proper form to the WUT Finance Department (Lena Murawska-Riedel, room 417, Gmach Biurowy, ul. Noakowskiego 18/20).

In case of any questions contact dod@pw.edu.pl