Guides for foreigners who live, work, or study in Poland: what health insurance is required for a visa and a residence card, what the policy covers, and how much it costs. You can purchase medical expense insurance online at insurance for a foreign national.
The Border Guard requires that a foreign national’s health insurance in Poland be valid for the entire duration of their declared stay. This means that the policy must cover exactly the period specified by the foreign national during a border check or in their visa application. If a foreign national p
The KL (medical expenses) policy, intended for foreigners applying for a visa or a residence card, is insurance designed specifically to meet the requirements for legalizing their stay in Poland. It must meet specific requirements set by the provincial office and the consulate—otherwise, the document will be rejected.
Below are some practical tips on how to choose an insurance policy that will be accepted by government agencies and will also provide you with peace of mind and protection during your stay in Poland.
You can find the basic insurance options that meet the agency's requirements here: KL Insurance for Foreigners for Visas and Residence Cards
For stays longer than 3 months, a foreign national is required to provide proof to the authorities that he or she has insurance coverage for medical treatment, hospitalization, and repatriation. The insurance must be valid for the entire duration of the stay, and its coverage must meet the requirements of the provincial office.
Below is a complete explanation of the requirements, the differences between policies, and what type of insurance is necessary for the authorities to approve a visa application.
Polish regulations clearly state that any person from outside the European Union residing in Poland must have valid health insurance for their residence permit that covers medical expenses in the event of a sudden illness, accident, or hospitalization. The purpose of this requirement is to ensure that
Poland, like most European Union countries, requires foreigners to have health insurance. This is not only a formal requirement when applying for a visa or a residence permit, but above all a means of protecting one’s health and finances. Without insurance, even a routine visit to the doctor
The Polish healthcare system is based on the National Health Fund (NFZ), which finances medical treatment for people with health insurance. For Polish citizens, premiums are automatically deducted from their pay, but the situation is different for foreigners. To benefit
The first few days in Poland are a time of intense adjustment—opening a bank account, finding an apartment, or starting a job or studies. Amid this flurry of activities, many people put off dealing with health insurance until later. That’s a big mistake. Without a valid policy, a foreigner does not have access to
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