Poradniki i praktyczne informacje dotyczące: obowiązek ubezpieczenia, w tym „Czy cudzoziemiec musi mieć ubezpieczenie zdrowotne w Polsce? Przepisy 2025”.
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
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.
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
Under Polish law, any person from outside the European Union who stays in Poland for more than 3 months is required to have valid health insurance. This is a formal requirement when applying for a visa or a temporary residence permit.
Polish Polish Polish
English
Ukrainian
Spanish
Turkish
Russian
Vietnamese
Indonesian Polish Polish Polish English
Ukrainian
Spanish
Turkish
Russian
Vietnamese
Indonesian