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.
KL insurance, or medical expense insurance, is one of the most important forms of health coverage that a foreigner should have while staying in Poland. It is a policy that guarantees coverage of expenses related to a sudden illness, accident, or hospitalization
Voluntary health insurance for foreigners is a solution intended for people who do not have access to mandatory health insurance in Poland—for example, those who are not employed, do not run a business, and are not family members of a person insured through the National Health Fund (NFZ). In 2025
Every foreign national applying to legalize their stay in Poland must meet certain formal requirements—one of the most important is having valid health insurance. In 2025, the regulations leave no room for doubt: a lack of insurance means the application will be rejected
Polish law clearly stipulates that foreigners staying in the Republic of Poland must, in many cases, have valid health insurance. This applies both to people entering Poland on a visa and to those planning a longer stay related to
If you are coming to Poland for a short period—for example, for tourism, business, to visit friends or family, or to attend cultural events—KL travel insurance for foreigners is the right choice for you. This type of policy covers:
Every foreign national staying in Poland on the basis of a visa, a temporary residence permit, or a permanent residence permit must have valid health insurance. Without it, you will not be able to obtain a residence card, and in the event of an accident, you will be responsible for covering the cost of medical treatment. It is mandatory to have
Lack of insurance may not only make it difficult to receive medical treatment, but also prevent you from obtaining a residence permit. In Poland, foreign nationals have several options: they can enroll in voluntary health insurance through the National Health Fund (NFZ), purchase a private insurance policy, or buy KL health insurance for a visa or residence card.
Polish law requires that every foreign national applying for a residence permit have health insurance for the residence permit. This document confirms that, if necessary, the foreign national will have access to an appropriate level of medical care without placing a burden on the budget
Under Polish law, legal access to public health care is possible only upon presentation of valid proof of insurance coverage. For foreign nationals, this means they must purchase an appropriate insurance policy that meets the requirements of government agencies, consulates, and the National Health Fund (NFZ). Lack of such coverage
In this article, we explain how the Polish healthcare system works for foreigners and how to ensure a smooth start from your very first day in Poland—without stress, bureaucratic hurdles, or excessive costs.
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