The most suitable insurance policies, which meet the requirements for both a visa and a residence card, are available here: KL Insurance for Foreigners for Visas and Residence Cards
Below is a detailed explanation of how such a policy works and what you can expect in practice.
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.
Below, we explain how it works, who is eligible for the National Health Fund (NFZ) and who is not, what the differences are between private and public insurance, and when a private policy is the only option.
You can find the basic insurance options that meet the agency's requirements here: KL Insurance for Foreigners for Visas and Residence Cards
The price of an insurance policy for foreigners is not fixed—it varies depending on the terms of the specific offer. The most important factors are: length of stay (short-term Schengen stay vs. long-term stay), the insured person’s age, and scope of coverage (medical expenses, hospitalization, repatriation, accident insurance), s
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.
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