Insurance for Foreigners in Poland – What Documents Are Required in 2025?

Why is insurance documentation so important?

In 2025, every foreign national residing in Poland must have valid health insurance. This is one of the basic requirements for obtaining legal residency—without a current policy, an application for a visa, a residence card, or a work permit may be rejected. In addition to simply having a policy, it is also crucial to have the documentation prepared correctly. Insurance for a foreigner It must be provided in the form of a document that confirms the scope of coverage, the term of the policy, and the identity of the insured.

What documents are required when applying for a residence card?

When applying for a temporary or permanent residence permit, a foreign national must submit: – a copy of the insurance policy, – the original for inspection, – a translation of the document into Polish (if the policy was issued abroad), – a certificate confirming payment of the premium. These are the standard requirements for insurance associated with a residence card, failure to meet which may result in the application being rejected. You can find more information about the official requirements here:   Health Insurance and the Residence Card – Key Formalities

What information should be included on the policy?

Correctly issued Health Insurance for Foreigners in Poland It should include: – the insured person’s personal information (first name, last name, date of birth), – the policy’s term (e.g., from January 1, 2025, to December 31, 2025), – coverage limit (minimum 30,000 EUR), – scope of coverage—outpatient care, inpatient care, medical transport, – the policy issuer’s details and signature. Officials verify this information very carefully. Even a minor error can delay the process.

What kind of insurance should you choose when applying for a visa?

When applying for a Type D national visa or a Schengen visa, you need insurance coverage for the entire duration of your stay that meets EU requirements. In this situation, the best option is Travel Insurance for Foreigners, which includes the required coverage for treatment and protection. Check out the available options here:   Health insurance for foreigners

Is proof of premium payment required?

Yes—regardless of whether we're talking about a private Health Insurance for Foreigners, Whether it is voluntary insurance through the National Health Fund (NFZ), proof of premium payment is required. For a private insurance policy, this will be a bank transfer confirmation or an invoice. In the case of the NFZ, a foreign national must present: – a signed contract with the NFZ, – proof of payment of the first premium, – confirmation of legal residence.

What about people who switch insurance providers?

If a foreign national changes insurance companies, it is important to: – maintain continuous coverage (there must be no gap!), – report the new policy to the authorities (e.g., while waiting for a residence permit decision), – present a current document and proof of payment of the new premium. This is especially important when renewing a residence permit or in the event of an inspection.

Does the documentation need to be translated?

If the policy was issued by a foreign insurer, the documentation must be translated into Polish by a certified translator. Only then will the office accept it Insurance for Foreigners in Poland as valid. The exception is policies issued by companies based in Poland or offering service in Polish.

Where should I keep my insurance documents?

It is recommended that foreign nationals always carry the following with them: – a copy of their insurance policy, – proof of premium payment, – the insurer’s emergency contact number. This is particularly important in emergency situations—such as during a hospital visit, a check on the legality of your stay, or when submitting a new application.

Are documents checked for children?

Yes—if the residence permit application is also being filed for a child, you must provide a separate insurance policy or include the child under a parent’s insurance coverage. In both cases, you must attach all required documentation. The authorities require that Health Insurance for Foreigners It applied to all family members—even infants.

What are the consequences of not having insurance documents?

Failure to provide the required documents may result in: – rejection of the visa or residence permit application, – the need to resubmit the application, – an administrative fine, – the risk of having to cover medical expenses under 100%. To avoid this, it’s a good idea to take advantage of offers designed specifically for foreign nationals, such as:.   Health Insurance for Foreigners – What Should You Know Before Coming to Poland?